The Right Health Insurance , Not Just the Cheapest One
Most Indians choose a health plan based on premium alone. Then they get the claim rejected.
Healthcare costs in India are rising at 14% per year , double the rate of general inflation. A surgery that cost ₹3 lakh in 2018 costs ₹6 lakh today. Your ₹5 lakh cover from 2019? It now covers less than half a serious hospitalization.
At DealPlexus, we don't just compare prices. We match you with the right cover amount, the right insurer, and the right plan type , then we stand with you when you need to file a claim.
Annual healthcare inflation
Minimum recommended cover
Realistic cover for major illness
We Work for You. Not for the Insurer.
Every health insurance agent in India earns commission from the insurer they sell you. That means they have a financial reason to push certain products , not the right one for you. DealPlexus operates differently.
Multi-Insurer Access , Not a Single Insurer Agent.
Compare plans from 20+ insurers on a single platform. No allegiance to any single company. No hidden bias. Our recommendation is based on your medical history, city, family size, and risk profile , not on who pays us more.
Claims Support Advisory , Not Just Policy Issuance.
Most platforms disappear after you buy. We don't. Our claims support team guides you through documentation, hospital coordination, and dispute resolution , so your claim doesn't become a statistic. When you file a ₹12 lakh claim, we're in the loop.
Integrated Health Advisory , Not a Standalone Transaction.
Health insurance is specialized , it cannot be effectively bundled as an add-on to PMS, AIF, or wealth advisory. We treat health cover as a distinct category with dedicated advisors who understand medical underwriting, claims protocols, and policy exclusions , not as a cross-sell opportunity.
Dedicated Relationship Manager , Not a Call Center Rotation.
You speak to one advisor who knows your entire portfolio , not a different person every time you call. One point of contact. Full accountability. No "let me check with my team" delays.
IRDAI-Registered. Every Product. Every Advisor.
Every insurance product on DealPlexus is IRDAI-registered. Every advisor is trained and certified. No grey-market products. No mis-selling. We operate within the regulatory framework , and we still beat aggregators on service because we stay with you through claims.
Your ₹5 Lakh Cover Won't Survive a Single ICU Admission
Healthcare costs in India are rising at 14% per year , double the rate of general inflation. Your ₹5 lakh cover from 2019 now covers less than half a serious hospitalization.
Your ₹5 Lakh Cover Won't Survive a Single ICU Admission
Here's a scenario playing out across India right now:
A 42-year-old software professional in Bengaluru has a ₹5 lakh family floater , bought in 2017, renewed without review every year since. He pays ₹12,000 annually and feels “covered.”
Then his wife is diagnosed with early-stage breast cancer.
The bill: ₹18.6 lakh.
His insurer pays ₹4.8 lakh after sub-limits, co-pays, and room-rent deductions. He arranges the rest from savings and a personal loan at 18% interest.
This isn't an edge case. It's the median Indian health insurance outcome.
The 3 Failure Modes
Failure Mode 1 , Wrong Cover Amount
The average Indian family holds ₹5–7 lakh in health cover. The IRDAI’s own data shows average claim size in metros now exceeds ₹4.2 lakh per admission. One serious illness exhausts a ₹5L policy before discharge.
Failure Mode 2 , Wrong Plan Type
A generic individual plan may exclude maternity, have restrictive sub-limits on ICU room rent, or apply disease-wise caps that slash your effective cover by 60%. Reading the fine print at claim time is too late.
Failure Mode 3 , No Advisor at Claim Time
Platforms like Policybazaar are excellent aggregators for price discovery. But when you file a ₹12 lakh claim and the insurer raises a query, there is no advisor in the loop. You are on your own against the insurer’s claims team.
DealPlexus closes all three gaps.
5 Plan Types. Distinct Roles. One Coherent Strategy
Each health insurance plan type serves a different role in your protection strategy. The right choice depends on your family structure, age, existing conditions, and budget , which is exactly what our advisors determine with you.
Risk Level
Premium Range
₹6,000–₹18,000/year
Risk Level
Low–Moderate
Individual Health Insurance
Covers one person. Sum insured applies entirely to the insured individual , no sharing with family members. Available from ₹3L to ₹1 Cr sum insured. Full sum insured available per policy year, regardless of claims history.
Premium Range: ₹6,000–₹18,000/year for a 30-year-old (₹10L cover)
Waiting Period: 30 days initial, 2-4 years for pre-existing conditions
Best For: Salaried professionals, self-employed individuals, young adults
Key Advantage: Full sum insured dedicated to you , no sharing
Ideal if you have specific health conditions requiring dedicated cover, or you're single with no dependents.
Risk Level
Premium Range
₹14,000–₹32,000/year
Risk Level
Low–Moderate
Family Floater Insurance
One policy. One premium. Cover shared across all family members. Cost-effective for families where not all members claim in the same year. Many top plans restore the sum insured after a claim within the same year. Cover up to 6 family members under one plan. (Assuming primary insured aged 30–40 years, spouse of similar age, and 1–2 children below 18 years)
Premium Range: ₹14,000–₹32,000/year for a family of 4 (₹15L cover)
Waiting Period: 30 days initial, 2-4 years for pre-existing conditions
Best For: Married couples, nuclear families with children, parents under 60
Key Advantage: Restore benefit , sum insured reinstated after a claim
Most cost-effective for young families. One floater often beats multiple individual policies.
Risk Level
Premium Range
₹8,000–₹22,000/year
Risk Level
High
Critical Illness Insurance
Pays a lump sum on diagnosis of a covered critical illness , regardless of actual treatment cost. Not a reimbursement policy. Covers 30–64 critical illnesses depending on plan (cancer, heart attack, stroke, kidney failure, organ transplant). Complements your base health plan , not a replacement.
Premium Range: ₹8,000–₹22,000/year for a 40-year-old (₹25L cover)
Coverage: ₹10L to ₹1 Cr lump sum on diagnosis
Best For: Anyone with family history of cancer, cardiac disease, or diabetes
Key Advantage: Lump sum used for treatment, income replacement, or debt repayment
Cancer treatment averages ₹15–25 lakh. A ₹25L payout covers treatment AND protects your family from income disruption.
Risk Level
Premium Range
₹3,500–₹9,000/year
Risk Level
Low
Corporate Group Health Insurance (GMC)
Group Mediclaim (GMC) covers all employees under one master policy. Premiums are lower per head. Coverage is immediate , no waiting periods, no pre-existing disease exclusions from day one. Maternity covered (most group plans). Tax deductible as business expense.
Premium Range: ₹3,500–₹9,000 per employee per year (₹3L–₹5L cover)
Waiting Period: NONE , Pre-existing conditions covered from Day 1
Best For: Business owners, HR managers, startup founders, SME proprietors
Key Advantage: No waiting period. No individual medical underwriting. Maternity included
Retain and attract talent with a competitive benefits package. Tax deductible as business expense.
Risk Level
Premium Range
₹4,000–₹9,000/year
Risk Level
Low–Moderate
Super Top-Up Plans
Activates after your base cover (or deductible) is exhausted. Dramatically increases your effective coverage at a fraction of the cost of increasing your base sum insured. Works above your existing employer GMC or individual plan. ₹20L–₹50L additional cover for ₹4,000–₹9,000/year.
Premium Range: ₹4,000–₹9,000/year for ₹20L top-up (₹5L deductible)
Coverage: ₹20L–₹50L additional cover above your base policy
Best For: Anyone with existing base plan looking to increase cover affordably
Key Advantage: Aggregate deductible , one deductible per year, not per claim
The ideal bridge for the gap between employer cover and real-world costs. ₹6,800/year fills a ₹20L gap.
DealPlexus Provides Health Insurance With All Major Insurers
We work with 12+ IRDAI-registered health insurance companies. Compare plans, features, and premiums, all on one platform.
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All IRDAI-registered insurers. All plans compared on a level playing field.
Healthcare Inflation Reality Check
| Procedure | Cost in 2018 | Cost in 2026 | Your ₹5L Cover Today |
|---|---|---|---|
| Knee Replacement | ₹2.5L | ₹4.8L | Partial cover |
| Bypass Surgery | ₹4.5L | ₹8.5L | Exhausted + shortfall |
| Cancer (Stage 2) | ₹8L | ₹18L | Massive shortfall |
| ICU (14 days) | ₹3L | ₹6.2L | Barely adequate |
| Kidney Transplant | ₹7L | ₹14L | Less than half covered |
Source: FICCI Healthcare Report 2026, NHA Data
At 14% annual healthcare inflation, ₹10L in 2026 = ₹5L in 2021 purchasing power. Renewing without reviewing is a financial risk.
Claims Settlement Ratio , Know Before You Buy
Not all insurers settle claims equally. Here's what the IRDAI Annual Report 2023-24 shows for individual health claims:
Source: IRDAI Annual Report 2023-24. These figures represent individual health claims volume.
What the ratio doesn't tell you: Settlement ratio includes small claims that are always approved. For large claims above ₹5L, the picture is different , this is where insurer track record and claims support matter most.
The ₹10 Lakh Family Floater Test
Scenario: Family of 4, Bengaluru, one parent aged 42, one hospitalization for cardiac stent placement.
- Total hospital bill₹9.8 lakh
- Room rent sub-limit (1% of SI = ₹10,000/day, actual room: ₹14,000/day)₹1.6L deducted proportionally
- Pre-existing disease waiting period (year 2 of policy)Covered ✓
- Net payout from insurer₹7.4 lakh
- Out-of-pocket₹2.4 lakh
With a Super Top-Up of ₹20L added at ₹6,800/year:
Full cover. Zero out-of-pocket.
Without top-up
₹2.4 lakh
out-of-pocket expense
The difference between adequate and inadequate cover: ₹6,800 per year.
Tax Benefits Under Section 80D
₹25,000/year
Self + family (below 60)
₹50,000/year
Self + family + parents (below 60)
₹75,000/year
Self + family + parents (above 60)
A ₹75,000 deduction at 30% tax bracket = ₹22,500 in tax savings. Your health insurance premium effectively costs you 30% less.
Disclaimer: Section 80D tax benefits are available under the old tax regime. Investors opting for the new tax regime will not be eligible for these deductions. Tax implications may vary based on individual circumstances.
Your Next Step: A Health Insurance Review Built Around Your Family's Needs
A health insurance review is not a sales call. It is a 10-minute structured conversation that covers four simple steps.
Share your family details , ages, city, existing conditions, current cover if any
We run a cover adequacy analysis , recommended sum insured, plan type, insurer shortlist
You compare 3–5 plans , with our advisor explaining the differences in plain language
You decide. We execute. , We handle documentation, policy issuance, and onboarding
You leave with a clear, specific recommendation , not a brochure and a follow-up call.
Most people spend more time choosing a restaurant than choosing health insurance that will protect them against ₹20+ lakh medical emergencies. If after the review you decide not to proceed, you will have a significantly clearer picture of your coverage needs. That alone is worth the 10 minutes.
If you decide to proceed, onboarding is straightforward: plan selection, documentation, policy issuance, and ongoing claims support. Our team manages every step , from first conversation to policy issuance.
Health Insurance
Get the Right Health Insurance Cover in 10 Minutes
Individual · Family Floater · Critical Illness · Corporate GMC · Super Top-Up , Compare plans from 20+ IRDAI-registered insurers. Advisory-led. Claims supported.
Professionals
30,753+
Deals Managed
₹2,081 Cr+
Insurers
20+ IRDAI
Protect Your Family From Medical Inflation
Our advisors will help you find the right cover amount, the right plan type, and the right insurer , then we stand with you when you need to file a claim. Not a transaction. A long-term protection relationship.
IRDAI registered. Insurance is a subject matter of solicitation. All products are underwritten by respective IRDAI-registered insurers. Please read policy documents carefully.
DealPlexus , India's Financial Supermarket | Health Insurance · IRDAI Registered | Gurgaon HQ: 443, 4th Floor, Tower A2, Spaze iTech Park, Sohna Road, Gurgaon 122001 | support@dealplexus.com | +91 7428100654
DealPlexus | India's Financial Supermarket | IRDAI registered. Insurance is a subject matter of solicitation. All health insurance products are underwritten by respective IRDAI-registered insurers. Please read the policy documents carefully before investing.