Health Insurance Free from Room Caps, Co-Pays, and Fine-Print Traps.
Medical inflation runs above 14% annually in India. A single critical surgery can exhaust years of personal savings. Trueways benchmarks 30+ top IRDAI health insurers to structure comprehensive covers with single private AC room eligibility, 0% co-payment, and dedicated 24/7 cashless hospitalization claim support.
- Zero Room Rent Capping — Protects Against Proportionate Deductions
- 100% Cashless Settlement Across 10,000+ Accredited Hospitals
- Portability Assistance: Switch Insurers Without Losing Waiting Credits
Compare Health Covers
Unbiased plan evaluation · Free policy audit
0%
Mandatory Co-Pay Across Network
No Cap
Single Private AC Room Standard
10,000+
Cashless Hospital Network
48 Hrs
Pre-Auth Portability Desk Window
THE TRUEWAYS FILTER
What We Insist on Before Recommending Any Policy
Zero Room Rent Capping
The Danger: A 1% room cap forces proportionate deduction penalties across doctor visits, OT charges, and surgical bills.Our Standard: We only recommend policies offering at least a Single Private AC Room with no financial sub-limit.
0% Mandatory Co-Payment
The Danger: A 20% co-pay forces you to fund ₹2 Lakhs out-of-pocket on every ₹10 Lakh medical bill.Our Standard: Zero co-payment across all networked hospital tiers and age slabs wherever commercially feasible.
Medical Consumables Protection
The Danger: Standard hospital bills include non-payable items like gloves, syringes, and PPE kits (often 10%–15% of the total bill).Our Standard: We add a Consumable Shield rider so out-of-pocket hospital deductions drop to near zero.
COVERAGE TYPES
Structured Covers for Every Family Stage
Dedicated Personal Sum Insured
Clean coverage without sharing limits with family members. Ideal for working professionals wanting independent health cushions.
One Shared Umbrella Cover
Cost-effective shared sum insured for self, spouse, and dependent children with automatic restoration of cover on exhaustion.
Age 60+ Tailored Care
Specialized policies designed for older parents featuring shorter waiting periods on hypertension, diabetes, and joint replacements.
Carry Forward Your Credits
Transition from restrictive group or old individual policies to a modern plan with full transfer of accumulated pre-existing disease credits.
How to Secure ₹25 Lakhs Cover for Half the Price
Buying a single ₹25 Lakh base health cover from a private insurer can be costly. Trueways utilizes a two-tier strategy combining a modest base policy with a high-deductible Super Top-Up.
- Tier 1 (Base Plan): ₹5 Lakhs sum insured covers everyday illnesses and minor surgeries.
- Tier 2 (Super Top-Up): ₹20 Lakhs cover with a ₹5 Lakh deductible handles critical, high-cost hospitalizations.
- The Savings: Cuts total annual premium costs by 40% to 55% compared to a single large base policy.
Annual Premium Benchmark (Age 32, Family of 3)
- Single Base Cover (₹25 Lakhs): ~₹24,000 / year
- Trueways Strategy (₹5L Base + ₹20L Super Top-Up): ~₹13,500 / year
- Net Annual Savings: ₹10,500 every single year
- Protection Level: Identical ₹25 Lakhs Cashless Cover
Health Insurance & Premium Estimator
Select your family composition, eldest member's age, and desired protection to calculate clean premium estimates free from room-rent caps and mandatory co-pays.
LIFETIME CLAIMS DESK
What Happens When Hospitalization Occurs
Step 01: Pre-Admission Intimation:
Notify the Trueways claims desk 48 hours prior to planned hospitalizations (or within 24 hours for emergency admissions).
Step 02: Cashless Pre-Authorization:
We coordinate with the hospital TPA counter and insurer claims team to ensure initial pre-authorization approval.
Step 03: Query & Dispute Resolution:
If the insurer seeks additional medical justifications or bill clarifications, our desk coordinates directly with the hospital.
Step 04: Final Settlement & Discharge:
Final approval letter is processed smoothly so your family walks out of the hospital with zero billing stress.
PROTECT YOUR FAMILY'S HEALTHCARE
Audit Your Existing Health Policy Today.
Book a 20-minute consultation with a Trueways health insurance specialist. We will uncover hidden room rent sub-limits and co-pays at ₹0 cost.