Shield Against 14% Medical Inflation
Medical treatment costs in India escalate faster than everyday inflation. A robust health policy prevents healthcare bills from depleting lifetime savings.
Gitvisha · Health & Wellness Advisory
Health Insurance.
Protection structured around medical inflation, with zero sub-limit surprises.
Medical expenses in India escalate at over 14% annually. Gitvisha helps you select transparent health insurance for individuals, families, and senior parents—featuring zero room-rent caps, 10,000+ cashless network hospitals, 100% restoration, and dedicated claim advocacy.
Zero Room-Rent CappingDaycare & AYUSH IncludedSec 80D Tax Benefits
Cashless Hospital Network
IRDAI-Accredited Healthcare Providers
10,000+
Network Hospitals
Pan-India Cashless Access
₹1 Crore
High Sum Insured
Super Top-Up Available
₹1,00,000
Tax Deduction
Section 80D Eligible
30 Mins
Pre-Auth Speed
Cashless Desk Clearance
Advisory Principle: We prioritize policies that eliminate room rent restrictions, co-payments, and disease-specific sub-limits so claims are paid in full.
Unbiased Health Advisory
The right health cover begins with an honest comparison.
Most health insurance buyers focus solely on the premium amount, only to discover at the hospital billing desk that room rent caps, co-payments, and consumables exclusions slashed their claim settlement by 40%.
What Gitvisha Benchmarks for You:
Zero Room Rent Capping: No proportional deductions on surgeon fees or ICU stays
Automatic 100% Restoration of Sum Insured upon exhaustion in a policy year
Consumables Cover: Reimbursing gloves, PPE kits, and surgical disposables in full
Waiting Period Comparison: 1 to 2-year waiting options for pre-existing diseases
Cashless Hospital Density: Verifying network hospitals in your immediate city and neighbourhood
Portability Review: Transition from corporate or legacy policies without losing accrued waiting credits
Need immediate consultation?
Speak directly with our senior health insurance advisors for policy reviews or claim advice.
info@gitvishainsurance.comThe Essentials
What is Health Insurance?
Health insurance is an indemnity contract between you and an IRDAI-licensed insurer. In exchange for an annual premium, the insurer pays or reimburses hospitalization and eligible medical expenses incurred due to sickness, surgery, or accidental injury. Understanding the fine print ensures that your protection performs when you need it most.
Look Beyond the Premium
The cheapest policy is often the most expensive at claim time. Sub-limits, co-payments, room-rent proportional cuts, and exclusion lists determine what you actually pay out of pocket.
The Room Rent Trap Warning
If a policy caps room rent at 1% of sum insured (e.g. ₹5,000/day on ₹5L cover) and you occupy a single private room costing ₹8,000/day, insurers proportionally slash 37.5% across the entire hospital bill—including doctor visits, surgeon fees, and ICU. Gitvisha helps you select policies with zero room-rent capping.
Section 45 IRDAI Disclosure Protection
Transparent disclosure of medical history during proposal ensures that under Section 45 moratorium rules, your policy cannot be questioned after 3 consecutive years of continuous coverage.
Why It Matters
Protection for Life's Most Critical Moments
A well-structured health insurance policy is not just a tax-saving instrument; it is the cornerstone of household financial stability.
Instant Cashless Hospitalization
Access emergency and planned medical treatment across 10,000+ accredited network hospitals with direct insurer pre-authorization and zero cash advance.
Tax Savings Under Section 80D
Save up to ₹75,000 to ₹1,00,000 annually on income tax by claiming premiums paid for self, spouse, children, and senior citizen parents.
Plans for Every Life Stage
Tailored Coverage Built Around Your Family Structure
Different stages of life present different health risks. Explore specialized plan structures configured for optimal benefits and cost efficiency.
Most Popular
Family Floater Health Insurance
Recommended Cover:₹15 Lakhs – ₹50 Lakhs
A single comprehensive policy with a shared sum insured covering self, spouse, and dependent children under one consolidated premium.
Best for: Nuclear & growing families seeking unified medical security
- Shared high sum insured across all family members
- Unlimited automatic restoration if sum insured exhausts
- Maternity and newborn cover options with early vaccination
- Single renewal date and simplified family claim management
Essential Base
Individual Health Insurance
Recommended Cover:₹10 Lakhs – ₹25 Lakhs
Dedicated, unshared sum insured reserved exclusively for one person, locking in lowest entry-age premiums and building substantial No Claim Bonus.
Best for: Young professionals, self-employed, and independent adults
- 100% dedicated sum insured not depleted by other family members
- Continuous No Claim Bonus (NCB) doubling cover over claim-free years
- Zero room-rent capping & comprehensive daycare surgery cover
- Independent tax deduction under Section 80D
Specialized Care
Senior Citizen Health Cover (60+ Yrs)
Recommended Cover:₹10 Lakhs – ₹25 Lakhs
Specially designed for parents aged 60 and above, addressing chronic illnesses, pre-existing ailments, and modern geriatric therapies.
Best for: Elderly parents needing dedicated medical attention and low waiting periods
- Lower waiting period for pre-existing diseases (1-2 years)#
- Co-pay optimization to maintain accessible annual premiums
- Home healthcare, dialysis, chemotherapy, and AYUSH coverage
- Tax deduction up to ₹50,000 under Section 80D for senior parents
# These are add-on benefits that can be availed by paying a slightly additional premium.
High-Value Buffer
Super Top-Up & Critical Illness Shield
Recommended Cover:₹25 Lakhs – ₹1 Crore
High-deductible coverage providing ₹25L to ₹1 Crore catastrophic protection at a fraction of regular base premium, plus lump-sum payout upon critical diagnosis.
Best for: Anyone looking for ₹1 Crore high-sum security atop an existing employer or retail policy
- Triggers automatically once cumulative claims cross threshold deductible
- Lump-sum compensation on diagnosis of 36+ listed critical illnesses
- Ultra-cost-effective enhancement to multiply catastrophic health protection with high-deductible security
- No sub-limits on organ donor expenses or ICU stays
Enterprise & SME
Group Health Mediclaim (GMC / Corporate)
Recommended Cover:₹3 Lakhs – ₹10 Lakhs
Employer-sponsored health plans with customized benefit schedules, immediate Day 1 pre-existing condition cover, and dedicated claims support.
Best for: Startups, corporate employers, and SME organizations
- Day 1 waiver on pre-existing diseases and specific 2-year waiting periods
- Maternity benefits with infant care from first day of birth
- Digital cashless e-cards and seamless HR employee census integration
- Custom room rent, OPD allowances, and corporate buffer options
What Is Covered
Comprehensive In-Patient & Daycare Benefits
Standard comprehensive health insurance includes wide-ranging medical expenses, subject to the policy terms and chosen sum insured.
In-Patient Hospitalization
Complete coverage for room rent, ICU charges, nursing expenses, surgeon fees, operation theatre costs, and medicines for stays exceeding 24 hours.
Pre & Post-Hospitalization
Reimbursement of diagnostic medical tests, doctor consultations, and medications up to 60 days before hospital admission and 180 days post-discharge.
500+ Daycare Treatments
Coverage for advanced surgeries and treatments requiring less than 24 hours of hospitalization due to medical technology, such as cataract, dialysis, and chemotherapy.
Road & Air Ambulance Cover
Emergency road ambulance transport expenses to the nearest hospital; select policies include air ambulance evacuation for critical life-threatening conditions.
AYUSH In-Patient Care
Hospitalization expenses incurred for recognized Ayurvedic, Yoga, Naturopathy, Unani, Siddha, and Homeopathic treatments in accredited government hospitals.
Modern & Robotic Procedures
Coverage for state-of-the-art modern medical treatments including robotic surgeries, balloon sinuplasty, oral chemotherapy, and stem cell therapy per IRDAI guidelines.
Policy Add-Ons & Riders
Fine-Tune Your Health Cover for Zero Out-of-Pocket Expenses
Add-on covers bridge standard policy gaps. Attaching the right riders ensures you never pay for consumables, lose accumulated bonuses, or run out of sum insured.
Automatic Unlimited Restoration
Recharges 100% of your sum insured automatically if exhausted during the policy year, ensuring coverage remains active for subsequent hospitalizations.
No Claim Bonus (NCB) Super Booster
Boosts your sum insured by 20% to 50% for every claim-free year, up to a maximum of 100%–200% additional cover without any increase in base premium.
Non-Medical Consumables Cover
Covers 60+ hospital non-medical items (gloves, PPE kits, surgical tapes, syringes, masks) that typically create 10% to 15% out-of-pocket bills.
Maternity & Newborn Shield
Covers normal and caesarean delivery expenses, pre/post-natal doctor consultations, and newborn baby coverage including vaccinations from Day 1.
Out-Patient Department (OPD) & Dental
Reimburses out-patient doctor consultations, prescribed clinic diagnostics, routine health tests, and emergency dental consultations.
Worldwide Emergency Hospitalization
Extends emergency medical hospitalization coverage while traveling internationally outside India, backed by global assistance networks.
What Is Not Covered
Understanding the Waiting Periods & Boundaries
Initial 30-Day Waiting Period
Illnesses or planned medical treatments are not covered during the first 30 days of a fresh policy. Accidental hospitalization is covered from Day 1 without waiting.
Pre-Existing Diseases (PED) Waiting Period
Pre-existing ailments (diabetes, hypertension, thyroid, cardiac conditions) require a waiting period of 12 to 36 months, depending on insurer terms, before claims are admissible.
Specific Illness 2-Year Waiting Clause
Standard elective treatments—such as cataract, hernia, kidney stones, piles, joint replacement, and ENT surgeries—have a mandatory 2-year waiting period under retail policies.
Permanent Non-Admissible Exclusions
Cosmetic surgeries, aesthetic procedures, weight loss/obesity treatments, self-inflicted injuries, substance abuse, and unproven experimental therapies are excluded.
*Note: Waiting periods and exclusions vary by insurer, entry age, and selected plan. Certain riders allow you to reduce the pre-existing disease waiting period from 3 years to 1 year. Always review policy terms prior to purchase.
Tax Optimization
Maximize Annual Tax Deductions Under Section 80D
Health insurance premiums paid for yourself, spouse, dependent children, and parents qualify for substantial deductions from your taxable income.
Scenario AUp to ₹50,000
Self, Family & Parents (< 60 Yrs)
- Self, Spouse & Children:₹25,000
- Parents (< 60 Years):₹25,000
- Total 80D Deduction:₹50,000 / yr
Scenario B (Popular)Up to ₹75,000
Self (< 60) + Senior Parents (60+)
- Self, Spouse & Children:₹25,000
- Senior Citizen Parents:₹50,000
- Total 80D Deduction:₹75,000 / yr
Scenario C (Senior Self)Up to ₹1,00,000
Senior Self (60+) + Senior Parents
- Senior Self & Spouse:₹50,000
- Senior Citizen Parents:₹50,000
- Total 80D Deduction:₹1,00,000 / yr
Preventive Health Check-Up Bonus: An additional deduction of up to ₹5,000 is permissible for annual health check-ups within the overall limits above.
Claims Guidance
The Cashless Claim Journey Made Effortless
A medical emergency is stressful enough. Gitvisha coordinates the communication with TPAs and hospital billing departments so your claim is processed transparently.
- 01
Intimate & Hospital Admission
Present your Gitvisha Cashless Card / Policy ID and photo ID at the hospital's Insurance/TPA desk upon planned or emergency admission.
- 02
Pre-Authorization Clearance
The hospital submits medical records to the insurer/TPA. Gitvisha's desk coordinates to secure initial cashless approval within 30 to 60 minutes.
- 03
Treatment & Hospital Stay
Receive necessary medical care. Our advisors verify room-rent category alignment to avoid proportional deduction penalties upon billing.
- 04
Cashless Bill Settlement
Upon discharge, the insurer settles admissible bills directly with the hospital. You only pay for personal non-medical items (unless consumables rider is attached).
Admitted to a Non-Network Hospital?
Don't worry. Reimbursement claims are fully supported: collect original discharge summaries, hospital itemized bills, payment receipts, and prescription slips. Gitvisha assists with dossier compilation and insurer follow-ups.
Partner Health Insurers
Access India's Highest Claim Settlement Insurers
We benchmark policy benefits, claim settlement ratios (CSR), and hospital network density across India's top general and standalone health insurance companies.
01#1
ICICI Lombard
Cashless Network
02#2
HDFC ERGO
Instant Pre-Auth
03#3
TATA AIG
Restoration Benefit
04#4
SBI General
Pan-India Network
05#5
Star Health
Specialized Mediclaim
06#6
IFFCO Tokio
Quick Settlement
07#7
Kotak Zurich
Comprehensive Cover
Why Gitvisha
Objective Advice. Relentless Claim Advocacy.
01
Tailored risk solutions
02
End-to-end policy support
03
Dedicated claims assistance
04
Transparent advisory
05
Corporate risk expertise
The Gitvisha Portability & Review Promise
Already have an active policy? Health insurance rules allow you to port your plan to a superior insurer without losing your accrued waiting period credits or accumulated No Claim Bonus. Gitvisha provides a complimentary policy review to identify whether you are paying for restrictive clauses or missing vital coverage riders.
Frequently Asked Questions
Clarity Before You Choose
Protect What Matters Most
Ready to safeguard your family's health and savings?
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