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Hi, I’m PolicyPal, your insurance bot.

I’ve got answers for you in plain, simple English, 24/7

Are there any pet health insurance policies?

What are PEDs?

How to renew my policy?

What is a cashless claim?

What is difference between term and health plans?

What is a reimbursement claim?

Are there any maternity plans?

What is a senior citizen policy?

What is a network hospital?

What is a waiting period?

How to file a claim?

Are there any pet health insurance policies?

What are PEDs?

How to renew my policy?

What is a cashless claim?

What is difference between term and health plans?

What is a reimbursement claim?

Are there any maternity plans?

What is a senior citizen policy?

What is a network hospital?

What is a waiting period?

How to file a claim?

Are there any pet health insurance policies?

What are PEDs?

How to renew my policy?

What is a cashless claim?

What is difference between term and health plans?

What is a reimbursement claim?

Are there any maternity plans?

What is a senior citizen policy?

What is a network hospital?

What is a waiting period?

How to file a claim?

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Questions answered based on common insurance scenarios in India

Before you Buy

I already have a company (employer) health policy — should I still buy my own plan?

Yes — employer plans can change or end when you switch jobs, and you don’t control the coverage. With your own policy, you choose the benefits, sum insured, and features, and the cover stays with you for life.

How do I know how much health insurance coverage I actually need?

Pick a cover that fits your city and stage of life — larger covers (₹20L+) are better for metros and older ages, while younger families in smaller cities can start lower (₹5L+) and scale up. Your lifestyle, hospital preferences, and family medical history also help decide the right amount.

What’s the right age to buy health insurance?

The earlier you buy, the better — when you're healthy, you get more plan options at lower prices, and your waiting periods finish well before you need the cover.

I already have a company (employer) health policy — should I still buy my own plan?

How do I know how much health insurance coverage I actually need?

What’s the right age to buy health insurance?

The earlier you buy, the better — when you're healthy, you get more plan options at lower prices, and your waiting periods finish well before you need the cover.

Is a family floater better than individual policies?

Family floaters offer strong value when all members are young and healthy, giving you better prices and wider plan options. For families with medical conditions, individual policies often work better. An unbiased advisor can help you strike the right balance.

Should I buy term insurance even if I have no dependents right now?

Term insurance exists to protect your future income. So even without dependents today, buying early helps you lock in affordable premiums and guarantees that when you do have responsibilities — family, loans, or financial goals — your income is already secured.

After you Buy

How do I make a cashless claim?

Share your health card at a network hospital — the insurer handles the bill directly.

What documents are required for a cashless hospitalization?

For a cashless claim, you need to submit your health insurance card, photo ID proof, and a duly filled pre-authorization form provided by the hospital.These documents allow the insurer to verify your policy details and approve the treatment without upfront payment.