Your family shouldn't worry
when they're already
worried enough.
One hospitalisation can erase years of savings. We find the right plan — and stay with you the moment you actually need to use it.
Three steps.
Zero confusion.
Most brokers hand you a quote and disappear. We're your point of contact from the first conversation to final settlement.
Tell us about your family
Ages, pre-existing conditions, budget — share what's relevant. No forms, no pressure. A real conversation over call, WhatsApp, or email.
We shortlist the best-fit plans
We dig into waiting periods, room rent limits, network hospitals, and NCB benefits across top insurers. You get a clear recommendation — not a list to decode yourself.
We stay with you through claims
When you're hospitalised, we step in to coordinate with the TPA. You focus on recovery. We handle the paperwork, follow-ups, and insurer escalations.
We handle the stress.
You focus on getting better.
Health insurance should feel like a safety net — not another source of anxiety. We make sure your claims move fast, paperwork is sorted, and someone always picks up your call.
Find your right plan
Not every family needs the same cover. We match you to the plan that actually fits.
Individual Plan
For salaried professionals and the self-employed who want solid, no-nonsense protection.
- Sum insured ₹3L–₹1Cr
- Cashless at 7,500+ hospitals
- Pre & post hospitalisation
- No-claim bonus up to 50%
Family Floater
One shared sum insured for your entire family. Everyone's covered, one premium.
- Cover spouse, kids & parents
- Sum insured floats across members
- Maternity cover available
- Restore benefit on exhaustion
Senior Citizen Plan
Designed for parents aged 60+. Built around the health realities of older adults.
- Entry age up to 75 years
- Pre-existing disease cover
- Domiciliary hospitalisation
- Monthly premium option
When things go wrong,
we don't disappear.
While insurers hold final authority on settlements, you shouldn't navigate their process alone. We act as your dedicated advocate — from admission to discharge.
Dedicated Assistance
The moment you're admitted, notify us. We immediately help you initiate the cashless request with the hospital's TPA desk.
Pre-Auth Tracking
We actively track your pre-authorisation status and follow up to minimise unnecessary delays.
Document Guidance
We walk your family through every required document so the claim file is complete and accurate before submission.
Settlement Escalation
If the insurer stalls post-discharge, we step in as your advocate and escalate proactively.
What every plan covers
No fine print surprises. Know exactly what you're buying.
Small habits.
Big difference.
The best claim is the one you never make.
Hydration
2 extra glasses of water daily can boost metabolism by 30%. Most Indians are chronically under-hydrated.
Deep Sleep
7–8 hours of sleep halves your risk of catching a cold and significantly reduces heart disease risk.
Daily Steps
7,000 steps a day cuts your mortality risk by up to 70%. No gym needed — just consistent movement.
Sugar Intake
Dropping one sugary drink per day prevents roughly 6–7 kg of weight gain over a single year.
Trusted by families
Real emergencies. Real outcomes.
"Policy Total helped me find a family floater that covered my parents' pre-existing conditions without insane premiums. Their support during my father's surgery was a genuine lifesaver.
"I was completely confused about waiting periods and room rent limits. They broke everything down clearly — no jargon, no agenda. Couldn't recommend them more.
"When my son was hospitalised for dengue, Policy Total coordinated the cashless approval directly with the hospital TPA. I didn't touch a single piece of paperwork.
Why Policy Total
Independent. Unbiased. Not owned by any insurer. Our only job is finding the right plan for your family.
Unbiased Comparisons
We compare waiting periods, room rent caps, and network hospitals across every major insurer.
Claim Support
During an emergency, we assist with the hospital TPA desk. You don't navigate it alone.
Renewal Reminders
We track your policy expiry and reach out in advance so you never lose your No-Claim Bonus.
Endorsement Help
Got married? New baby? We handle all paperwork so new members are seamlessly added.
Got Questions?
Frequently Asked
Questions.
Everything you need to know about your coverage, renewals, and claims.
What is a waiting period in health insurance?
What is cashless hospitalisation?
Can I cover my parents in a family floater?
What is a no-claim bonus (NCB)?
Is health insurance premium tax deductible?
Still have questions? Talk to an advisor
Your family deserves a plan
that actually works.
Doorstep service in Kolkata. We compare plans, answer every question honestly, and stay through claims — completely free of charge.
Mon–Sat 10am–8pm · +91 8777387006