Services · Health Insurance
One bill should never
undo a decade.
You spend years compounding carefully. Then one hospitalization arrives uninvited, and medical costs rise faster than almost anything else you budget for. Health cover exists so the bill meets an insurer, never your portfolio.
Why it matters
A hospital bill is a health event. Paying it yourself is a portfolio event.
Without cover, the money comes from somewhere: a fund redeemed in a falling market, a deposit broken early, a goal quietly postponed. The real cost of an uninsured hospitalization is the compounding it interrupts.
2x
Medical inflation runs roughly double general inflation
Uninvited
Health events do not wait for markets to recover or goals to mature
Cashless
The right cover means the hospital talks to the insurer, not to your savings
The building blocks
Four blocks. One architecture.
Most households need a combination, not a single plan. We architect the stack to your family, your city and your stage of life.
One person, full cover
Individual Plan
A dedicated sum insured for each member. No sharing, no dilution: the cover you choose is the cover you hold.
For focused, personal protection
One cover, whole family
Family Floater
A single sum insured shared across the household. Efficient premiums while the family is young and claims are rare.
For young families starting out
Lump sum on diagnosis
Critical Illness
Pays the full benefit on diagnosis of listed conditions, independent of hospital bills. Income protection while you recover.
For the costs hospitals never bill
Amplify what you have
Top-Up & Super Top-Up
Layers of additional cover above a threshold, at a fraction of base-plan premiums. The economical route to a larger shield.
For sizing up without re-buying
Adequacy, audited
Covered is a number. Adequate is an audit.
Most families discover the gaps in their health cover inside a hospital lobby. We read the policy the way a claim will be read: clause by clause, before you ever need it.
Sum insured vs. real hospital costs
A cover bought five years ago meets today's hospital bill rarely. We size against current metro treatment costs, not yesterday's.
Room rent limits, read closely
A one percent room cap quietly proportions down the entire claim. We check the clauses that decide what you actually receive.
Restoration and no-claim benefits
Covers that refill after a claim, and grow when you stay healthy. Features that compound quietly in your favour.
Waiting periods and exclusions
Pre-existing conditions, specific ailments, maternity: every plan waits differently. We map the timelines before you need them.
When was your cover last audited?
Bring your existing policies. We will tell you what they actually pay, where the gaps hide, and whether your family needs more, or simply better.