Hospitalisation
Eligible inpatient medical expenses can be covered as per the selected plan and policy terms.
HEALTH INSURANCE • EXPERT ASSISTANCE
Protect your health.
Protect your savings.
Explore suitable health insurance options for yourself and your family with assistance from Zinon IMF Private Limited.
✓ Hospitalisation Cover
✓ Cashless Options*
✓ Family Protection
✓ Claim Assistance*
Compare options from multiple insurance partners • choose as per your needs
FREE QUOTE • NO PRESSURE
Get Your Free Quote
Share a few details and our team will contact you.
8+Insurance Partner Brands
3Languages Supported
12+Key Benefit Highlights
1Simple Quote Journey
UNDERSTAND YOUR COVER
Key Health Insurance Benefits
Coverage differs by policy. Always review the insurer's policy wording and Customer Information Sheet before purchase.
Pre & Post Hospitalisation
Some plans cover eligible expenses before admission and after discharge.
Day Care Procedures
Listed procedures may be covered even when a 24-hour hospital stay is not required.
Cashless Facility*
Cashless treatment may be available at eligible network hospitals, subject to authorisation.
Family Floater
One sum insured can cover multiple eligible family members under selected products.
Renewal Options
Many health policies offer renewal options subject to policy terms and conditions.
Restore / Reinstatement*
Some plans can restore the sum insured after specified usage, subject to terms.
Top-up Options
Top-up and super top-up products can add an extra layer of financial protection.
Tax Benefit*
Eligible premiums may qualify for tax benefits under applicable law.
Ambulance Cover*
Ambulance expenses may be covered up to limits specified by the selected plan.
Diagnostic Expenses*
Specified diagnostic expenses may be payable when linked to covered treatment.
Critical Illness Options*
Separate or add-on critical illness products may be available depending on the insurer.
CHOOSE WHAT FITS YOU
Explore Health Insurance Options
Different needs call for different products. Ask our team about suitable options.
COMPARE SMARTER
Compare Health Insurance Plans Across Companies
See representative plan highlights side-by-side, then ask Zinon IMF for a personalised comparison based on your age, family and coverage needs.
Popular Plans to Compare
Representative products shown for easy comparison. Product terms, pricing and eligibility can change.
| Feature | HHDFC ERGO Optima Secure |
CCare Health Care Supreme |
SStar Health Star Comprehensive |
TTATA AIG MediCare Premier |
IICICI Lombard Elevate |
|---|---|---|---|---|---|
| Sum insured / cover range | Broad options; see current quote | ₹5L – ₹1Cr (Care Supreme) | ₹5L – ₹1Cr | ₹5L – ₹3Cr (MediCare Premier) | ₹7.5L – Unlimited |
| Restore / recharge | ✓ Automatic restore | ✓ Unlimited automatic recharge | ✓ 100% restoration once/year | Plan-dependent | ✓ Unlimited reset |
| Room rent / ICU | ✓ No room rent capping up to SI | ✓ No sub-limits | As per policy terms | As per plan terms | As per policy terms |
| Pre / Post hospitalisation | 60 / 180 days | 60 / 180 days | 60 / 90 days | Plan-dependent | 90 / 180 days |
| Day care / AYUSH | ✓ Covered* | ✓ Covered* | ✓ Covered* | ✓ Available under plan terms | ✓ Covered* |
| Special highlights | 4X coverage concept; non-medical expense coverage* | Up to 7X coverage; no zone-based copayment* | PED buy-back option; maternity/newborn benefits* | Home care, global planned hospitalisation, OPD* | Flexible add-ons; 20% annual bonus can grow up to 100%* |
| Best suited to | High-value comprehensive cover | Feature-rich comprehensive cover | Individuals & families seeking broad cover | Enhanced cover with extra features | Customisable comprehensive cover |
| Company / Plan | Product Type | How it helps | Key point | Best suited to |
|---|---|---|---|---|
| Care Health Supreme Enhance | Super Top-up | Adds an extra layer over existing health cover. | Unlimited automatic recharge; deductible-based cover. | People wanting higher protection at a lower additional premium. |
| Star Health Super Surplus | Top-up / Super Top-up | Extends protection beyond the selected deductible. | Individual and floater options; Silver & Gold variants. | Individuals and families seeking extra protection. |
| HDFC ERGO | Top-up / Super Top-up options | Extra cover can be considered alongside a base health policy. | Current product, deductible and limits should be confirmed before purchase. | Customers looking to increase overall protection. |
| TATA AIG | Top-up options | Additional protection can complement a base health policy. | Current product terms and deductible should be confirmed before purchase. | Customers needing additional medical-cost protection. |
| ICICI Lombard | Top-up options | Can be used to consider higher overall health protection. | Current product availability and deductible should be confirmed before purchase. | Customers seeking a higher coverage cushion. |
Care Health — Supreme Enhance
Super Top-up- Extra layer over existing health cover*
- Unlimited automatic recharge*
- Deductible-based protection*
Star Health — Super Surplus
Top-up / Super Top-up- Extends protection beyond deductible*
- Individual and floater options*
- Silver & Gold variants*
HDFC ERGO — Top-up Options
Top-up- Additional protection alongside base cover*
- Current product terms to be confirmed*
TATA AIG — Top-up Options
Top-up- Additional protection alongside base cover*
- Current deductible and terms to be confirmed*
ICICI Lombard — Top-up Options
Top-up- Higher overall coverage cushion*
- Current product availability to be confirmed*
*Top-up availability, product names, deductibles, waiting periods, exclusions, limits and pricing vary by insurer and product. Verify the latest brochure/policy wording before purchase.
HDFC ERGO — Optima Secure
Comprehensive- 4X coverage concept*
- No room rent capping up to sum insured*
- 60 days pre / 180 days post hospitalisation*
- Automatic restore benefit*
Care Health — Care Supreme
Comprehensive / Family- Up to 7X coverage*
- Unlimited automatic recharge*
- No room rent or ICU sub-limits*
- 60 days pre / 180 days post hospitalisation*
Star Health — Star Comprehensive
Comprehensive / Family- 100% restoration once per policy year*
- PED buy-back optional cover*
- Maternity and newborn benefits*
- 60 days pre / 90 days post hospitalisation*
TATA AIG — MediCare Premier
Enhanced Cover- ₹5L–₹3Cr sum insured options*
- Home care treatment*
- Global planned hospitalisation and OPD options*
- Emergency air ambulance*
ICICI Lombard — Elevate
Comprehensive / Family- ₹7.5L to unlimited sum insured*
- Unlimited reset benefit*
- Flexible add-ons*
- 90 days pre / 180 days post hospitalisation*
*This is a high-level comparison for lead-generation purposes. Benefits, sub-limits, waiting periods, exclusions, add-ons, pricing, network and eligibility depend on the exact policy. Please verify the latest brochure/policy wording before purchase.
HOW IT WORKS
A Simple Journey to Better Protection
From enquiry to policy selection, our process is designed to be easy to understand.
01
Tell Us Your Need
Share your age, family members and preferred level of coverage.
02
Explore Options
Review suitable insurer and product options based on your requirements.
03
Choose & Apply
Complete the proposal and underwriting process with the selected insurer.
OUR PARTNERS
Our Partner Insurance Companies
Insurance brands represented here are shown using the logos supplied for this page.
Bajaj General Insurance
Care Health Insurance
Digit
HDFC ERGO General Insurance
IndusInd General Insurance
Niva Bupa Health Insurance
Tata AIG Insurance
ICICI Lombard
Partner/insurer availability, products and terms may change. Verify the current insurer product, policy wording, eligibility, exclusions and network status before purchase.
QUESTIONS, ANSWERED
Frequently Asked Questions
What is health insurance?
Health insurance is a contract under which the insurer provides specified financial protection for covered medical expenses, subject to the policy terms, limits, exclusions and conditions.
Can I cover my family?
Yes. Individual and family floater structures are available across the market. The suitable option depends on age, family members, health profile and budget.
What is a waiting period?
A waiting period is a specified time during which certain illnesses, treatments or pre-existing conditions may not be covered. It varies by product.
What is cashless treatment?
Where available, eligible treatment at a network hospital may be settled directly between the insurer/TPA and hospital, subject to pre-authorisation and policy terms.
Are maternity, OPD or dental benefits included?
Not in every plan. Such benefits depend on the specific product, optional covers and policy terms.
How is premium decided?
Premium can vary based on age, location, members, sum insured, product, medical disclosures, underwriting and insurer pricing.
Can Zinon IMF help with claims?
Where applicable, we can provide assistance and guidance during the claims process. The final claim decision is made by the insurer/TPA according to the policy terms.
How do I get started?
Submit the basic details in the quote form and our team can discuss suitable options and next steps.
GET STARTED TODAY
Ready to Protect Your Family?
Get assistance in comparing health insurance options based on your needs.