Prime Policy Experts
Prime Policy Experts
Compare individual and family floater plans, critical illness covers and cashless hospital networks. Get the best cover for medical emergencies, hospitalization and preventive care.
Choose the policy that suits your needs — individual, family floater, critical illness or top-up plans.
Cover for a single insured person. Best if you want separate sum insured for each family member.
Single sum insured shared across family members — cost effective for families with lower expected claims.
Lump-sum payout on diagnosis of specified major illnesses (cancer, heart attack, stroke etc.).
Higher limits available at lower cost—kicks in after the deductible/threshold is exhausted.
Large network of cashless hospitals for easier claims and lower out-of-pocket spend.
Medical expenses before and after hospitalization covered as per policy terms.
Optional maternity cover and newborn care – usually available after waiting period.
Discount on renewal premium for each claim-free year — stackable up to limits.
Lump-sum on diagnosis of listed critical illnesses.
Daily cash benefit for every day of hospitalization.
Outpatient consultation, diagnostics and medicines covered under select plans.
Coverage for counseling and inpatient & outpatient psychiatric care (subject to T&C).
Follow these steps to ensure fast and smooth claim processing.
Inform insurer or TPA immediately via phone/app when hospitalization is planned or emergency occurs.
For cashless, get pre-authorization from insurer to use network hospital facilities.
Provide medical reports, bills, prescriptions and discharge summary (for reimbursement claims).
Insurer/TPA processes and settles claim as per policy terms. Follow up for any clarifications.
Waiting periods vary (commonly 2–4 years) for pre-existing conditions and certain treatments like maternity. Check the policy wording.
Pre-existing conditions are usually covered after a waiting period and subject to disclosure at the time of proposal.
Yes — policy portability between insurers is generally allowed; existing waiting periods and benefits may transfer. Follow the portability process and timelines.