Protection structured around real-world risk.
Comprehensive medical protection with zero room-rent capping, cashless hospital networks, and Section 80D tax savings.
GITVISHA · RISK ADVISORYCommercial and personal risks rarely follow idealized assumptions. These are the critical financial pitfalls, claim traps, and operational vulnerabilities that proper policy structuring actively mitigates.
Selecting a policy with a 1% sum insured room rent cap and being admitted to a single private room during treatment.
Failing to disclose historic hypertension, thyroid disorders, or diabetes during policy proposal.
Surgeries where disposable items (gloves, PPE kits, surgical tapes, syringes, cotton) are billed as non-admissible items.
These are discussion points, not a promise that every risk is covered. Final cover depends on policy wording and insurer acceptance.
In-patient hospitalization including room rent, ICU, and surgery fees
Pre-hospitalization (up to 60 days) and post-hospitalization (up to 180 days)
500+ daycare treatments, road/air ambulance, and modern procedures
Restoration benefits, AYUSH in-patient care, and annual health check-ups
The right structure starts with understanding your assets, operations, people and contractual responsibilities.
Compare more than price. Review limits, deductibles, exclusions and policy conditions.
Room rent limits and proportional deduction terms
Pre-existing disease (PED) and specific illness waiting periods
Co-payment clauses, network hospital density, and consumable riders
Need more clarity? Send us your requirement and our team can help explore the next step.
Ask our teamEmployer group policies end immediately upon job switch, layoff, or retirement. Corporate sum insured is often low with room rent caps. Personal health insurance ensures lifelong continuity and builds accumulated No Claim Bonus (NCB).
In a Cashless claim at a network hospital, the insurer/TPA settles admissible medical bills directly with the hospital. In a Reimbursement claim, you settle bills upon discharge and submit original records for reimbursement.
You can claim tax deductions up to Rs 25,000 for self, spouse, and children (or Rs 50,000 if senior citizen), plus up to Rs 50,000 for senior citizen parents, totaling up to Rs 1,00,000 per financial year.
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