Every tier carries 20-minute cashless approval, the 60-day free look and a named advisor on WhatsApp. What changes is how high the sum insured goes and how little you pay when something actually happens.
The legally required minimum, done properly, with none of the usual gaps.
billed monthly · cancel anytime
The full guardianship stack — bundled cover, 12-month PED wait, premium locked for three years.
billed monthly · cancel anytime
Concierge-grade cover for larger families, jewellery, property and worldwide travel.
billed monthly · cancel anytime
No asterisks that lead somewhere else. If it's in the column, it's in the policy wording.
| Benefit | Essential | Signature | Sovereign |
|---|---|---|---|
| Sum insured | ₹5 lakh | ₹25 lakh | ₹1 crore |
| Monthly premium | ₹499 | ₹1,299 | ₹2,999 |
| Deductible | ₹5,000 | ₹2,500 | ₹0 |
| Reducing deductible | ₹1,500/yr to ₹7,500 | ₹1,500/yr to ₹7,500 | Not needed |
| Cashless pre-authorisation | 20 minutes | 20 minutes | 10 minutes |
| Reimbursement decision | 48 hours | 48 hours | 24 hours |
| Missed-deadline credit | ₹2,500 | ₹2,500 | ₹5,000 |
| Multi-policy discount | Up to 18% | Up to 27% | Up to 27% |
| Pre-existing disease wait | 24 months | 12 months | 12 months |
| Room rent limit | No cap | No cap | Any room, suite included |
| Co-payment | Zero | Zero | Zero |
| Restoration of sum insured | Once a year | Unlimited | Unlimited |
| No-claim bonus | 15%/yr to 100% | 25%/yr to 200% | 25%/yr to 200% |
| Day-care procedures | 400+ | All | All |
| Maternity & newborn | — | ₹75,000 after 24 months | ₹2 lakh after 12 months |
| OPD, dental & vision | — | ₹15,000 a year | ₹50,000 a year |
| Annual health check | Basic panel | Full panel | Full body + specialist |
| Motor zero-dep & NCB protect | Paid add-on | Included | Included |
| Overseas treatment | — | ₹2 crore | ₹8 crore |
| Air ambulance | — | ₹5 lakh | Unlimited |
| Premium lock | 12 months | 36 months | 36 months |
| Advisor access | Named advisor | Named advisor on WhatsApp | Advisor + dedicated assessor |
| Free-look period | 60 days | 60 days | 60 days |
| Tax benefit | 80D | 80D + 80C | 80D + 80C |
Premiums inclusive of 18% GST. Sums insured shown are the maximum available and vary by age band, city tier and underwriting outcome. Waiting periods and sub-limits apply as per the policy wording.
Most insurers let you keep only the largest discount. We apply all of them, to a 41% total floor.
Two policies earn 18%, three earn 23%, four or more earn the full 27%. Applied automatically on the next cycle.
up to −27%
3% for every claim-free year, to a maximum of 15%. Motor glass and roadside never reset the counter.
up to −15%
Opt in for 90 days. Score above 80 and the credit becomes permanent — it never drops, even if you stop sharing data.
up to −22%
Hit 8,000 steps a day, complete your annual check, or log a gym membership. Verified from your phone, not a form.
up to −12%
Add parents, in-laws or a child under 25, or join through a participating employer or housing society.
up to −9%
Settle the year's premium up front and two months are on us — the equivalent of a 16.7% credit.
−16.7%
Add-ons are month to month. Attach one for a monsoon, a pregnancy or a renovation, drop it when it's over, and never pay a fresh underwriting fee.
Send us the quote you already have. If we can't beat it on both premium and cover, we'll tell you plainly and point you to whoever can.
