The cashless desk at a hospital is a terrible place to learn how your policy works. A pre-auth delayed by three hours means your family pays a deposit. A room-rent clause missed at purchase can cut your claim by 40%. We exist so that none of this is news to you on that day.
Honest by default
We walk you through your shortlist's exclusions line by line — before you pay a rupee.
Our claim promise
At admission: we coordinate the cashless pre-auth with the hospital and TPA. During the stay: we answer TPA queries. At discharge: we review the bill for deductions. After: we follow up until settlement — and explain every rupee deducted, in writing.
Questions
Yes. Our office is in Connaught Place, and our advisors do home visits across Delhi NCR — including sitting with parents to explain their cover.
Yes — several insurers write senior-citizen plans. The trade-offs (co-pay, waiting periods, medical tests) matter more than the premium; we'll lay them out honestly.
A fixed window — commonly 2–4 years {{VERIFY}} — during which illnesses you already had aren't covered. Disclose everything at purchase; hidden PEDs are the top rejection reason.
Cashless, when the hospital is in-network. We check the network list for the hospitals you'd actually use before recommending any insurer.
Yes — one WhatsApp message and your advisor starts the pre-auth coordination, answers TPA queries, and chases approvals so your family can focus on the patient.
As a working rule for Delhi private hospitals: ₹10–15 lakh family floater as a base {{VERIFY with client}}, plus a super top-up for larger events. We'll size it to your family, not to a commission target.