Health
No room-rent cap, zero co-pay at every age, and pre-existing conditions covered after 12 months instead of three years.
From ₹510/mo
IRDAI registered · CRISIL AAA (Stable) · 12 lakh members
Insurance built to outlast everything you're protecting.
Health, motor, term life, home and travel — underwritten with wider cover, cashless approval in 20 minutes, and premiums below the market average. Every advantage below is written into the policy wording, not the advertisement.
20 minCashless approval
99.2%Claims settled
27%Bundle savings
4.9/5Member rating
Instant estimate
No contact details₹945
per family / month
Market average ₹1,476
₹6,368 less every year
Inclusive of 18% GST. Illustrative only — final premium depends on underwriting.
Line by line
Better terms, not just better ads
We benchmarked the fourteen terms members actually feel against the IRDAI-filed policy wordings of the five largest private insurers in India. Here is the honest delta.
| What you feel | Market average | Unesco Trust |
|---|---|---|
| Cashless pre-authorisation | 2–6 hours | 20 minutes, 24×7 |
| Discharge approval | 4–8 hours | 45 minutes |
| Reimbursement settlement | 12–21 days | 48 hours, or we credit ₹2,500 |
| Pre-existing disease waiting | 3 years | 12 months |
| Room rent limit | 1–2% of sum insured per day | No limit — single private AC room |
| Co-payment | 10–20% above age 60 | Zero, at every age |
| Sum insured restoration | Once a policy year | Unlimited, same illness included |
| Cashless hospital network | 8,000–10,000 | 14,200+ across 640 districts |
| Health no-claim bonus | 5–10% a year, caps at 50% | 25% a year, caps at 200% |
| Motor zero-depreciation | Paid add-on | Included from day one |
| Motor NCB after a claim | Lost entirely | Protected — one claim a year |
| Term life claim settlement | 98.6% | 99.4% |
| Free-look period | 30 days (IRDAI minimum) | 60 days, premium refunded in full |
| Advisor access | Call-centre queue | One named advisor, on WhatsApp |
Market average compiled from IRDAI-filed policy wordings, prospectuses and public disclosures of the five largest private insurers in India, reviewed every quarter.
Coverage lines
Eight ways to be unshakeable
Each line stands alone. Combined, they unlock the 27% guardianship discount and a single deductible across every claim arising from the same event.
Term Life
Up to ₹5 crore, issued in 10 minutes with no medical test below ₹1 crore. 99.4% claims settled.
From ₹499/mo
Motor
Zero-depreciation included, NCB protected after one claim, and 7,800 cashless garages nationwide.
From ₹401/mo
Home & Tenant
Bharat Griha Raksha with structure and contents on one cover, monsoon and flood damage included as standard.
From ₹99/mo
Guaranteed Savings
Locked-in returns with a 6.4% guaranteed IRR, 80C benefit, and loans against the policy from year two.
From ₹2,499/mo
Travel
₹4 crore of overseas medical cover, Schengen visa-compliant, with delay cover that starts at hour three.
From ₹449/trip
Pet
90% reimbursement with no annual cap, hereditary conditions covered, and only an 8-day waiting period.
From ₹349/mo
Small Business
Bharat Sookshma Udyam Suraksha with liability, cyber and business interruption on a single form.
From ₹899/mo
Membership
Three tiers. No hidden floors.
Every tier includes 20-minute cashless approval, the 60-day free look and a named advisor on WhatsApp. Higher tiers raise the sum insured and lower what you pay when something happens.
Monthly
Annual 2 months free
Essential
The legally required minimum, done properly, with none of the usual gaps.
₹499/mo
billed monthly · cancel anytime
- ₹5 lakh sum insured
- 20-minute cashless approval
- ₹5,000 deductible, reducing ₹1,500/yr
- No room-rent cap
- Named advisor on WhatsApp
- 60-day free look, full refund
Signature
The full guardianship stack — bundled cover, zero co-pay, premium locked for three years.
₹1299/mo
billed monthly · cancel anytime
- ₹25 lakh sum insured
- Everything in Essential, plus:
- 27% multi-policy discount
- PED waiting cut to 12 months
- Zero co-pay, unlimited restoration
- 36-month premium lock
- Motor zero-dep & NCB protect included
- One deductible per event, across lines
Sovereign
Concierge-grade cover for larger families, jewellery, property and worldwide travel.
₹2999/mo
billed monthly · cancel anytime
- ₹1 crore sum insured
- Everything in Signature, plus:
- Zero deductible on every claim
- Agreed-value jewellery & art
- Worldwide treatment, ₹8 crore overseas
- Annual full-body health check, free
- Dedicated claims assessor on call
- Air ambulance & home nursing
Premiums are illustrative starting figures for a standard risk profile, inclusive of 18% GST. See the full plan matrix →
The 48-hour promise
A claim is the only product we actually sell
Everything before the claim is paperwork. So we wrote our service standard into the policy: raise a reimbursement claim and you get a decision within 48 hours — or we credit ₹2,500 to your policy, automatically, without you asking.
99.2%
claim settlement ratio, last year
19 hrs
median decision time, all lines
-
Raise it on WhatsApp, or call your advisor
Photos, a voice note, or two minutes on the phone with the person whose name is on your policy. No IVR, no ticket number.
~4 minutes -
A licensed assessor takes ownership
Not a queue — a named assessor picks it up and tells you exactly what, if anything, is still needed.
Under 60 minutes -
Decision, in writing
Approved, partly approved, or declined with the specific policy clause cited. Every time.
Within 48 hours -
Money moves the same day
NEFT or IMPS to your registered account on approvals confirmed before 8pm IST. Cashless settles directly with the hospital.
Same day
12 lakhMembers protected
₹4,800 crClaims paid to date
640+Districts served
41KVerified reviews
Members
Judged on the worst day, not the first
"My father was admitted at 11pm. Cashless was approved before midnight and nobody at the desk asked me for a rupee. My old insurer once took nine hours for the same hospital."
"I moved health, car and term life across and my total came down 31% against my renewal quote. Then they locked the premium for three years."
"₹1.5 crore of term cover approved in nine minutes, no medical test, no agent visiting my house four times. I had been putting it off for years."
Questions
The fine print, in plain English
Three reasons. We sell direct rather than paying agent commission, our claims triage is automated right up to the point of decision rather than after it, and our book skews towards multi-line members whose loss ratios are materially lower. That structural advantage goes back to you as price and cover, not advertising spend.
₹2,500 is credited to your policy automatically within one working day of the deadline passing. You don't file anything and it doesn't affect the claim itself. The clock starts when your claim is submitted with the minimum documents listed in Schedule C, and pauses only when we are waiting on a third party such as a hospital's medical records department or a police FIR.
Yes. It applies the moment a second eligible policy goes live, and shows up on the next billing cycle without a call or a fresh quote. Two policies earn 18%, three earn 23%, four or more earn the full 27%. It stacks with claim-free, telematics and pay-annually credits rather than replacing them.
You can. Under IRDAI portability rules you may switch at renewal, and we handle the paperwork with your current insurer. Critically, every waiting period you have already served is carried over in full — including for pre-existing conditions — so you never restart the clock. Apply between 60 and 45 days before your renewal date and we'll do the rest.
On health, claims never increase your individual premium — we re-rate by age band and medical inflation only. On motor, your no-claim bonus is protected for one claim each year instead of being wiped out. And while your 36-month premium lock is running on Signature or Sovereign, nothing can change at all.
We publish the full exclusion list on the coverage page rather than burying it in a schedule you receive after paying. In short: anything intentional or fraudulent, ordinary wear and neglect, cosmetic treatment, undeclared commercial use of a private vehicle, and the standard war and nuclear exclusions. Maternity has a 24-month wait; pre-existing conditions are covered after 12 months.
Three minutes
Find out what you've been overpaying
No medical test for most cover, no documents to upload for a quote, and a named human on the other end from the first minute.