india-health-insurance

What problem does it solve?

Health insurance planning for Indian families often struggles to balance base coverage, affordable premiums, and smart layering (base plan + super top-up + critical illness) across age groups and regulatory rules like 80D and portability.

Core Features & Use Cases

• 80D optimization and tax planning integration to maximize deductions while maintaining adequate coverage.
• 3-layer coverage strategy: base health insurance, super top-up, and critical illness to achieve ₹1-1.5 crore effective coverage.
• Parents' coverage planning across different age brackets, with senior citizen entry considerations and PED waiting periods.
• Corporate group cover awareness to avoid over-reliance on employer plans and ensure personal portability.
• IRDAI portability guidance to preserve benefits when switching insurers and capture waiting periods and NB/NBC rewards.
• Practical workflow: current coverage assessment, gap analysis, plan recommendations, and annual review.

Quick Start

Provide your current policy details to generate a 3-layer health insurance plan with base cover, super top-up, and critical illness recommendations.