Your family shouldn't worry
when they're already
worried enough.
One hospitalisation can erase years of dedicated family savings. We track the right plans — and stay right with you the moment you actually need to use it.
Three steps.
Zero confusion.
Most automated brokers hand you an automated list and disappear. We act as your discrete architecture interface from the first conversation to final claim 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 act like a genuine capsule safety net — not another source of operational anxiety. We ensure your claims process accelerates, paperwork remains sorted, and someone always picked up your call thread.
Find your right plan
Not every family inheriting identical risk variables. We map your parameters to the discrete matrix 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 primary insurance carriers preserve final authorization metrics on settlements, your family should never cross their bureaucratic networks alone. We act as your primary discrete advocacy node.
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
Clear fine-print transparency parameters. Know your exact coverage layouts explicitly.
Small habits.
Big difference.
The absolute best medical claim is the one your family never encounters.
Hydration Metrics
2 extra glasses of water daily can boost metabolism by 30%. Most Indians run chronically under-hydrated profiles.
Deep Sleep Cycles
7–8 hours of sound sleep halves system vulnerability to common ailments and strengthens discrete recovery lines.
Daily Steps Tracking
7,000 baseline steps daily mitigates lifestyle layout risks by up to 70% with zero special gym configuration required.
Refined Sugar Drops
Dropping just one processed sugary beverage option daily shields your profile from 6–7 kg of annual load gains.
Trusted by families
Real medical emergencies. Verified system protection 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. Completely unbiased advisor structure. Our single directive path is pinpointing the absolute best framework parameters for your home.
Unbiased Comparisons
We map room rent caps, cashless hospital layers, and explicit waiting clauses across elite providers.
Claim Support
During real emergencies, we coordinate directly with TPA desks so your family avoids stress logs.
Renewal Reminders
We track expiration parameters well in advance to fully safeguard your accumulated No-Claim Bonus.
Endorsement Support
Welcoming a new child or update logistics? We manage all required documentation clean.
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?
Your family deserves a plan
that actually works.
Localized claim support framework. We compare top plans, answer variables honestly without scripts, and offer full doorstep claimant help completely free of additional charges.
Mon–Sat 10am–8pm · +91 8777387006