Because Good Health Deserves More Than Fine Print

Ever tried reading a health policy brochure? Feels like rocket science, right? That’s where InsurDeck steps in. We don’t push ‘big covers’ or add-ons. Instead, we ask what really matters—your family, your stage of life, your worries about hospital bills.

From ageing parents to maternity care to employee protection—we shape coverage around your story.No cookie-cutter plans. No jargon. Just clarity you can trust, so when life surprises you, your insurance doesn’t.

Covering your family’s health, from grandparents to little ones

Helping you prepare for life’s milestones, like maternity and newborn care

Tailoring plans that protect you without stretching your budget

Why Choose Us?

Insurance can feel like a maze, but with InsurDeck, you’re never lost. We don’t sell plans; we guide, explain, and help you pick what truly fits your life. From the first call to claiming support, we’re on your side—always transparent, always personal.

100% Advisor-Led Guidance, Never Pushy

No Hidden Commissions. Only Honest Help

Support Through Every Step, Including Claims

Get Your Qoute Today!

Why Health Insurance Matters?

Health is unpredictable, but peace of mind doesn’t have to be. InsurDeck helps you navigate options that actually protect you and your loved ones—without confusing jargon or unnecessary add-ons. Because the right cover is about your life, not someone else’s targets

Protect Your Family, From Kids to Elders

Cover Life’s Milestones, From Maternity to Major Illness

Stress-Free Claims Support When You Need It Most

Get a Free Consultation

Choose the Right Health Shield

Whether you just want the basics, family protection, or complete peace of mind — here’s how different plans stack up

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Basic Coverage

Budget-Friendly Protection

Cashless Hospitals- Limited

OPD/Daycare: Not Covered

Maternity: Not Covered

Pre/Post Hospitalization: 5 / 10 Days

Room Type: Shared Room

Hospitalization Cover: Up to ₹3L

Get Free Consultation

Mid-Tier Coverage

Balanced Cover for Families

Cashless Hospitals: Medium Network

OPD/Daycare: Few Procedures

Maternity: Limited

Pre/Post Hospitalization: 30 / 60 Days

Room Type: Single AC Room

Hospitalization Cover: ₹5–10L

Get Free Consultation

Comprehensive Coverage

Peace of Mind, Zero Compromise

Cashless Hospitals: Wide Network

OPD/Daycare: Wide Coverage

Maternity: Full

Pre/Post Hospitalization: 60 / 90+ Days

Room Type: Private Room / No Cap

Hospitalization Cover: ₹15L+

Get Free Consultation

Find The Plan That Fits Your Life

Individual and Family Plans

Whether you’re a young professional starting out or a parent safeguarding your kids, we help you choose health insurance that covers hospital bills, treatments, and emergencies—without burning a hole in your pocket.

Short term Insurance

Between jobs? Traveling abroad? Or waiting for a company policy to kick in? Short-term health plans bridge the gap, ensuring you’re never left uncovered during life’s in-between moments

Medicare Solutions

Senior citizens often face higher premiums and limited choices. At InsurDeck, we guide retirees and elders towards plans that cover hospitalisation, medicines, and long-term care—so you can focus on living fully;

Group & Employer Plans

For businesses big and small, employee health benefits aren’t just perks—they’re trust builders. We help organisations design group health plans that balance affordability with real care, keeping teams protected and motivated

Dental & Vision Add ons

Most health policies in India skip dental and eye care. We help you add these essential covers to your main health plan, so a toothache or eye treatment doesn’t turn into an expensive surprise

Ready for Health Coverage That Fits Your Life?

Rising medical costs don’t have to keep you awake at night. With InsurDeck, you get clear, personalized health insurance guidance—so your family stays protected, and you stay stress-free. Let’s find the right plan for you, together.

Book My Free Health Cover Call

Chat with Us on WhatsApp

Health Cover: What No One Tells You

“How much health insurance is enough?” is the most common and most important question we hear at InsurDeck.

The truth: there’s no one-size-fits-all answer – it depends on where you live, your family size, and your health risks.

Here’s what you should know before deciding:

Medical inflation in India is 12–14% yearly. A ₹5 lakh policy bought 5 years ago may already feel too small today.
In metros (Delhi, Mumbai, Bangalore, Chennai, Hyderabad), a single cardiac surgery can cost ₹6–10 lakh.
In Tier-2 & Tier-3 cities, ₹5–10 lakh cover is usually enough for a family.
Families with senior parents should aim for higher coverage + super top-ups, since age-linked hospitalization costs are higher.
For young nuclear families, ₹10–15 lakh (base + top-up) gives peace of mind without burning the budget.

💡 Think of health insurance like an umbrella. In light rain, a small one works. But when the storm hits (major hospitalization), a small umbrella leaves you drenched.

👉 At InsurDeck, we help you calculate the right coverage for your city, family size, and budget, so you don’t overpay or stay underinsured.

WhatsApp us your city & family size – we’ll suggest the right cover

“Should I disclose my diabetes, BP, or thyroid condition when buying health insurance?” — this is the second most common worry we hear at InsurDeck.

The truth: always disclose.

Here’s what you should know before deciding:

If you hide a pre-existing illness, insurers in India can legally reject claims (IRDAI allows it).

Pre-existing conditions usually have a 2–4 year waiting period before they’re covered.

Once the waiting period is over, these illnesses are covered just like any other.

Some insurers now offer reduced waiting periods if you pay a slightly higher premium.

Being honest upfront avoids disputes and protects your family when it matters most.

💡 Think of disclosure like telling a doctor your full history. If you hide it, the wrong treatment may follow.

👉 At InsurDeck, we review your health details and match you with insurers who are more friendly towards pre-existing conditions.

📦 “IRDAI Rule: No insurer can deny coverage for a pre-existing condition beyond 4 years.”

Unsure about your health history? WhatsApp us – we’ll guide what to declare

“Why can’t I claim immediately after buying a policy?” — this is the third biggest confusion we clear up at InsurDeck.

The truth: health insurance in India comes with waiting periods before certain benefits kick in.

Here’s what you should know before deciding:

Initial Waiting Period: 30 days from policy start (except for accidents, which are covered from Day 1).

Specific Illness Waiting: Some conditions (like hernia, gallstones, cataract) have a 1–2 year wait.

Pre-Existing Illness Waiting: Usually 2–4 years before coverage begins.

Maternity Cover: Typically 2–3 years waiting period unless in special policies.

After the wait is over, you can claim like normal — insurers can’t deny forever (IRDAI rule).

💡 Think of waiting periods like a new SIM card — you get the number immediately, but special benefits (data packs, free calls) activate only after a few recharges.

👉 At InsurDeck, we compare policies to help you pick ones with shorter waiting times, so you’re not left unprotected when you need it most.

📦 “IRDAI Fact: No insurer can exclude a pre-existing condition for more than 4 years.”

Want to know your waiting period? Send us your policy on WhatsApp – we’ll decode it

“What does my policy not cover?” — this is one of the biggest surprises people face during claims, and one of the first things we explain at InsurDeck.

The truth: every health policy in India has exclusions — treatments that won’t be paid for, no matter which insurer you choose.

Here’s what you should know before deciding:

Cosmetic treatments (plastic surgery, weight-loss surgery) are usually not covered.

Dental treatments are excluded unless they are accident-related.

Infertility treatments (IVF, surrogacy, etc.) are not part of standard plans.

Illnesses from alcohol/drug abuse are excluded.

First-year exclusions: Some policies won’t cover certain diseases (like piles or fistula) in the first year.

💡 Think of exclusions like “terms & conditions” on a phone EMI plan — you should know them upfront to avoid hidden shocks.

👉 At InsurDeck, we go through the fine print for you and highlight exclusions clearly, so you’re never caught off guard during a claim.

📦 IRDAI Rule: All exclusions must be mentioned clearly in your policy document. If not stated, they can’t be applied later

Not sure what your policy excludes? WhatsApp us your policy PDF – we’ll decode it for free

“When I’m admitted to a hospital, will I have to pay upfront?” — this is the biggest worry people share with us at InsurDeck.

The truth: in India, you can claim in two ways:

Cashless Claim → If the hospital is in your insurer’s network, bills are settled directly between insurer and hospital. You just pay non-medical costs (like food, attendant charges).

Reimbursement Claim → If hospital isn’t on the network, you pay first, then submit bills for repayment. Insurers must settle these within 30 days (as per IRDAI rules).

💡 Think of it like ATM withdrawals: using your bank’s ATM (cashless) is instant and free, but using another bank’s ATM (reimbursement) means you pay first and get charged before settlement.

👉 At InsurDeck, we help you check hospital networks in advance so you can plan for cashless admission without stress.

📦 “Did You Know? If your cashless claim is denied, you can still file for reimbursement.”

Want to check cashless hospitals near you? WhatsApp us your area & insurer.

“Does health insurance save tax?” — this is a bonus benefit many people don’t fully use, and we explain it often at InsurDeck.

Under Section 80D of the Income Tax Act, you can claim deductions on the premiums you pay. Here’s how it really works:

Up to ₹25,000 for yourself, spouse & kids.

Extra ₹25,000 if you also insure your parents (below 60).

Extra ₹50,000 if your parents are senior citizens.
👉 Maximum savings = ₹75,000 per year.

🔹 Preventive Health Check-up: Up to ₹5,000 allowed within these limits every year. Even simple blood tests or annual health checks count.

🔹 HUF (Hindu Undivided Family): Also eligible for deduction on premiums paid for family members.

📊 Quick Example:

You (35 yrs) + spouse + kids → Premium ₹20,000

Parents (65 yrs) → Premium ₹40,000
✅ You can claim: ₹20,000 + ₹40,000 = ₹60,000 deduction.

💡 Think of it as a “refund” — you’re protecting your family and lowering your tax bill at the same time.

👉 At InsurDeck, we help you structure your policy smartly so you don’t miss out on these savings.

📦 Quick Tip: Pay premiums via bank/UPI/card only. Cash payments don’t qualify for 80D.

Speak to an Advisor to structure your policy + tax savings smartly

One of the least understood but most important clauses in health insurance is the room rent limit.

Why it matters:

Your room choice decides how much the insurance company pays for everything else. If your policy allows only a ₹5,000/day room, but you pick a ₹10,000/day deluxe room, the insurer may apply “proportionate deduction.”

👉 That means not just the extra rent, but even surgery, doctor fees, ICU charges — all get cut down proportionately.

🔎 Example:

Policy room rent cap: ₹5,000/day

You choose: ₹10,000/day

Total hospital bill: ₹4,00,000

Insurance pays only 50% = ₹2,00,000 (because you exceeded room eligibility).

This catches most people by surprise.

✅ How to avoid it:

Prefer “No Room Rent Limit” policies (common in higher sum insured).

Or check if your policy allows “Single Private AC Room” without cap.

If capped, pick rooms within your limit.

💡 Think of it like a train ticket. A Sleeper ticket won’t let you sit in AC class. If you move, you pay extra. Similarly, your insurance ticket has “class restrictions.”

👉 At InsurDeck, we decode these hidden clauses upfront so you don’t face shocks at claim time.

📦 Did You Know?
Even if you can afford a higher room, your insurance won’t — unless your policy allows it.

Chat on WhatsApp to know if your policy has hidden room caps

When choosing health insurance, most people focus only on premiums. But the real test of an insurer is: Do they actually pay claims?

That’s where the Claim Settlement Ratio (CSR) comes in.

CSR = (Claims paid ÷ Claims received) × 100

Published yearly by IRDAI for every insurer.

🔎 Example:

Insurer A: CSR = 98% → Out of 100 claims, 98 paid.

Insurer B: CSR = 85% → Out of 100 claims, 15 rejected/delayed.

But here’s the catch 👇

High CSR ≠ guarantee of YOUR claim.

It shows how “customer-friendly” the insurer generally is.

Look also at Claim Processing Speed (TAT). Some insurers pay fast, some drag for months.

💡 Think of CSR like a cricket batting average. A batsman with 55 avg is more reliable than one with 20 — but it doesn’t mean he’ll score in every single match.

👉 At InsurDeck, we help you read CSR reports + claim speed data, so you know which insurer is actually dependable at crunch time.

📦 IRDAI Fact: CSR is updated every year in IRDAI’s annual report — it’s public data, not marketing.

Send us your policy — we’ll tell you the claim ratio & speed in 2 mins on WhatsApp

Most people feel stuck with their health insurer — even if service is poor or premiums keep rising. But IRDAI gives you a way out: Portability Rights.

👉 Portability means: You can switch your health policy from one insurer to another without losing benefits like:

Waiting period credit (for pre-existing diseases).

No-claim bonuses carried forward.

Continuity benefits (so you don’t start from scratch).

🔎 Example:

You bought Policy A in 2019, served 3 years waiting for pre-existing diabetes.

In 2022, you shift to Policy B (another insurer).

Those 3 years are counted — you won’t wait again for diabetes cover.

But there are rules 👇

Portability allowed only at renewal, not mid-term.

You must apply 45–60 days before expiry.

The new insurer has the right to underwrite (accept/reject) based on your health.

Premium may change if you choose higher coverage or new features.

💡 Think of it like changing jobs. You carry your experience & benefits to the next employer — you don’t start as a fresher again.

👉 At InsurDeck, we decode the fine print and handle the paperwork so your switch is smooth — no hidden shocks, no loss of benefits.

📦 Quick Tip: Apply 45 days before renewal — not at the last minute.

Thinking of switching insurers? Let InsurDeck check if you’ll keep your benefits

Every health insurance looks attractive on paper — until a claim gets rejected.

The most common reason? Exclusions — conditions and treatments your policy does not cover.

Here are the big ones to watch out for in India:

First 30 days: No claims allowed except accidents.

Pre-existing diseases: Covered only after waiting period (2–4 years typically).

Specific conditions: Hernia, cataract, knee replacement often have separate waiting periods.

Lifestyle-related issues: Alcohol/drug-related treatments usually excluded.

Cosmetic & non-medical: Plastic surgery, dental (unless accident), routine check-ups not covered.

Alternative treatments (AYUSH): Covered only in select plans & hospitals.

War, nuclear, self-harm: Never covered.

🔎 Example:
A client once had a knee replacement rejected because it fell under the “2-year condition-specific waiting period.” They didn’t know — until we explained it.

💡 Think of exclusions like the “Terms & Conditions” of a sale. You can’t return a product after 10 days if the store policy says 7. Similarly, insurers set limits.

👉 At InsurDeck, we decode exclusions upfront, so you’re never shocked at claim time.

📦 Did You Know?

IRDAI requires all insurers to clearly disclose exclusions in your policy document — but it’s often buried in 30+ pages of fine print.

Confused by fine print? Share your policy with InsurDeck — we’ll highlight the exclusions for free

Health Insurance Questions
We Hear Every Day

How much health cover do I really need?

Most families either under-insure or overpay. At InsurDeck, we calculate the right cover for your city, family, and budget — so you’re never left holding a tiny umbrella in a storm.

What about pre-existing diseases? Will insurers reject me?

Pre-existing conditions don’t mean rejection — but there may be waiting periods or higher premiums. We help you choose insurers known for fair acceptance and show how to disclose conditions honestly without losing your chance at cover.

How do top-up and super top-up plans really work?

These are smart hacks to boost cover at low cost. But most people misunderstand deductibles. We explain it in plain language (no insurance jargon) and suggest when to add them to your base plan.

Is my corporate health cover enough?

Many believe office insurance is enough, but in reality, it ends if you leave the job or retire. InsurDeck helps you combine corporate cover with your personal plan so you’re never left exposed during a job switch or after 60.

How do I know which hospitals are cashless under my plan?

A plan is only as good as its cashless hospital network. At InsurDeck, we map the network hospitals in your city before recommending a plan, so you don’t face bill shocks at the hospital desk.

Do I really get tax benefits under Section 80D?

Yes — you can claim ₹25,000–₹1,00,000 in deductions depending on family and senior cover. But the real value is not tax saving, it’s financial protection. We’ll guide you to maximize both.

Should I buy a family floater or individual plan?

Families often struggle here. Floaters work well for young families, but if you have elderly parents, individual cover may be smarter. We at InsurDeck guide you on how to mix and match for maximum peace of mind.

Can I switch my existing policy to another insurer?

Yes — portability is allowed under IRDAI rules, and you won’t lose your waiting period benefits if done right. InsurDeck helps with smooth portability without messy paperwork.

Will my premium keep rising every year?

Yes, but not randomly. Increases are linked to age bands, medical inflation, and insurer pricing cycles. At InsurDeck, we plan cover in a way that keeps your future premiums predictable and manageable.

Because Good Health Deserves More Than Fine Print

Tell us your story—let’s shape the right cover together.

Why Choose Us?

Why Health Insurance Matters?

Choose the Right Health Shield

Basic Coverage

Budget-Friendly Protection

Cashless Hospitals- Limited

OPD/Daycare: Not Covered

Maternity: Not Covered

Pre/Post Hospitalization: 5 / 10 Days

Room Type: Shared Room

Hospitalization Cover: Up to ₹3L

Mid-Tier Coverage

Balanced Cover for Families

Cashless Hospitals: Medium Network

OPD/Daycare: Few Procedures

Maternity: Limited

Pre/Post Hospitalization: 30 / 60 Days

Room Type: Single AC Room

Hospitalization Cover: ₹5–10L

Comprehensive Coverage

Peace of Mind, Zero Compromise

Cashless Hospitals: Wide Network

OPD/Daycare: Wide Coverage

Maternity: Full

Pre/Post Hospitalization: 60 / 90+ Days

Room Type: Private Room / No Cap

Hospitalization Cover: ₹15L+

Find The Plan That Fits Your Life

Individual and Family Plans

Short term Insurance

Medicare Solutions

Group & Employer Plans

Dental & Vision Add ons

Ready for Health Coverage That Fits Your Life?

Health Cover: What No One Tells You

Health Insurance Questions We Hear Every Day

How much health cover do I really need?

What about pre-existing diseases? Will insurers reject me?

How do top-up and super top-up plans really work?

Is my corporate health cover enough?

How do I know which hospitals are cashless under my plan?

Do I really get tax benefits under Section 80D?

Should I buy a family floater or individual plan?

Can I switch my existing policy to another insurer?

Will my premium keep rising every year?

Health Insurance Questions
We Hear Every Day