Get cashless treatment at 10,000+ hospitals, zero paperwork, and a dedicated claim buddy for every hospitalisation.
100% free – no payment needed to see personalised quotes.
Example: 25-year-old, non-smoker, metro city.
Plans & pricing
Premium depends on age, city, and sum insured. These sample prices are for a 25-year-old, non-smoker living in a metro city.
Perfect for young individuals taking first cover.
Sum insured up to ₹3 lakh.
*Subject to underwriting. T&C apply.
Ideal for nuclear families of 2 adults + 1 child.
Family floater with ₹10 lakh sum insured.
Add parents, in-laws or extra children with a small top-up.
Premium benefits for bigger families & higher coverage.
Coverage up to ₹25 lakh, suitable for metros.
Best for salaried professionals & business owners.
Core benefits
Focus on getting better while we take care of the bills, paperwork and doctor co-ordination – all in one simple policy.
Get admitted with your e-card, and we settle bills directly with the hospital as per policy terms.
Diagnostic tests, medicines and follow-up visits covered for selected days before and after admission.
Day-care procedures that don’t need 24-hour stay and emergency ambulance costs are covered up to policy limits.
A real human guide from admission to discharge so you’re never confused at the billing desk.
Talk to top doctors over chat or video, without paying extra consultation fees.
Premiums paid are eligible for tax deductions as per current Income Tax laws, helping you save more.
Why 99rupeehealth
We combine strong insurer backing with a digital-first experience to give you simple, transparent and fast healthcare support.
| Feature | Starter (₹100/m) | Smart Family | Max Protect |
|---|---|---|---|
| Sum insured | ₹3 lakh | ₹10 lakh | ₹25 lakh |
| Cashless network hospitals | 5,000+ | 8,000+ | 10,000+ |
| No-claim bonus | ✓ up to 50% | ✓ up to 100% | ✓ up to 150% |
| Room rent sub-limit | ✗ capped category | ✓ up to single room | ✓ no sub-limits |
| Free health checkup | ✓ once every 2 years | ✓ every year | ✓ every year |
| Maternity & newborn cover | ✗ not included | ✓ after waiting period | ✓ enhanced limits |
| Teleconsults | ✓ limited | ✓ unlimited | ✓ unlimited + wellness |
| Ideal for | Young individuals | Growing families | High-income & big cities |
FAQ
Policy wording can be confusing – here are quick answers. Full terms and conditions will apply as per your chosen insurer.
₹100/month is a sample starting premium for a young, healthy individual in a metro city with a lower sum insured (for example, ₹3 lakh). Actual premiums depend on your age, city, medical history, and chosen coverage. Once you fill the quote form, we’ll show you accurate prices from multiple insurers.
Yes, most plans cover pre-existing diseases after a waiting period (usually 2–4 years). The exact duration depends on the insurer and plan you select. Our advisors will help you pick a plan that best matches your medical history.
At a network hospital, you simply share your e-card or policy details. The hospital sends a pre-authorisation request to the insurer. Our claim buddy coordinates with the hospital and insurer, so you focus on treatment while we handle approvals and billing as per policy terms.
Absolutely. You can buy separate senior citizen plans or include them in a family floater depending on their age and health. Premiums for older members are higher, but we’ll compare options so you get maximum value for money.
In many cases, policies are issued within a few minutes of successful payment and basic verification. For some ages and health conditions, a short medical test may be required, after which the policy is issued digitally.
Get a free quote
Share a few basic details. Our team will send you personalised quotes starting from as low as ₹100/month, with a clear comparison of benefits.
A licensed advisor will call you to understand your needs, explain complex terms in simple language, and help you choose the right plan.
99rupeehealth is a distribution platform. Policies are issued by IRDAI registered insurers. All terms & conditions as per insurer policy wording.