Everything you need to know about choosing, buying and claiming health insurance with Swastik Financial.
General questions
No — we're an independent health insurance advisory. We help you compare, choose and buy the right plan from leading insurers like Care Health, Niva Bupa and Star Health, and we support you through claims. The policy itself is issued and underwritten by the insurer.
No. Our comparison, calculators, eligibility checks and guidance are completely free. You pay only the insurer's premium for the policy you choose.
Use our free calculator or eligibility checker, or simply message us on WhatsApp at +91 99302 84007. Share your age, city and who you want to cover, and we'll come back with exact premiums and the best-fit options.
We advise on flagship plans from Care Health Insurance, Niva Bupa Health Insurance and Star Health & Allied Insurance — covering individuals, couples, families, seniors and corporate groups.
Yes. Lifelong claim-side support is a core part of what we do — from paperwork to coordinating with the insurer, we stay with you well beyond the sale.
Choosing & buying
As a rule of thumb, higher in metros and for older members. Our coverage calculator gives an indicative figure based on your age, city and family size — but we'll fine-tune it with you based on your lifestyle and budget.
It's the time you must wait before certain conditions are covered. Typically there's an initial 30-day waiting period, a longer period for specified diseases, and up to 36 months for pre-existing diseases (PED). Some plans let you reduce PED waiting for an additional premium.
An individual plan gives each person their own sum insured; a family floater shares one sum insured across members and is usually more economical for younger families. We'll help you weigh both for your situation.
Yes. Several plans — like Star Health Assure — allow large family definitions including parents and parents-in-law. For seniors, we'll also look at co-payment and entry-age rules.
Plan-specific
Its base sum insured is Unlimited across all variants, with ReAssure Forever, Lock-the-Clock pricing and Borderless worldwide treatment on higher variants. It's ideal if you want a limitless safety net.
If you make no hospitalisation-related claim for 5 consecutive policy years, your first-year base premium is refunded — in every block of 5 claim-free years, subject to renewal. It's an optional benefit pre-added to the proposition.
Any unused base sum insured carries forward to the next year, accumulating up to 5X or 10X of your base cover — so your protection grows the longer you stay claim-free.
Yes, as optional covers — including delivery expenses, newborn cover, assisted reproduction and Women Care benefits. It's a strong choice for growing families.
ReAssure 3.0 and Star Super Star both offer an Unlimited sum insured option, while Star Health Assure goes up to ₹2 Crore and Care plans up to ₹1 Crore.
