Health Insurance Services
Health insurance advice — individual and family floater cover, sum insured, waiting periods, room-rent limits and top-up plans.
- Estimate Cost
- ₹2,000 – ₹15,000
- Typical duration
- 3 days
Service overview
- Health insurance covers hospitalisation and medical expenses for you and your family, protecting your savings from rising healthcare costs
- Plans include individual and family floater covers, senior citizen policies, critical illness covers and top-up or super top-up plans
Who needs it? / When is it needed?
- Individuals and families without cover, or with only employer group cover.
- Parents and senior citizens needing dedicated protection.
- When you start a family, change jobs, retire or plan a top-up on existing cover.
What to expect from the WCP Professionals
- Assessment of family health needs, age profile and budget.
- Comparison of plans on room rent limits, waiting periods, co-pay, sub-limits and hospital networks.
- Guidance on riders such as maternity, OPD, critical illness and AYUSH cover.
- Help with proposal forms, medical disclosures, porting and claims.
Key deliverables
- Needs analysis and plan comparison sheet.
- Recommended policy with a feature summary.
- Issued policy with a cashless network and claim process guide.
Standard turnaround time
- Plan advice and comparison: 2–4 working days.
- Policy issuance: 1–7 days; up to 2–3 weeks if pre-policy medical tests are required.
Government fees, timelines & key outcomes
- No government fee; premium is paid to the insurer.
- Individual health insurance policies are exempt from GST from 22 September 2025.
- Premiums qualify for a deduction under Section 80D (old tax regime) within prescribed limits.
- Key outcome: cashless and reimbursement protection against medical costs.
Forms & filings involved
- Insurer proposal form with health declaration.
- Portability form, if moving from another insurer.
- Pre-policy medical tests, where the insurer asks for them.
Documents required
- PAN, Aadhaar and address proof.
- Age proof and photographs of all insured members.
- Medical history and reports for any existing conditions.
- Previous policy copy for portability or renewal.
What we need from you
- Full and honest disclosure of pre-existing illnesses and habits.
- Attending medical tests when required.
- Timely premium payment and nominee details.
Important conditions
- Pre-existing diseases and specified illnesses have waiting periods (up to 3 years for pre-existing conditions under current IRDAI rules).
- Non-disclosure can lead to claim rejection.
- Room rent caps, co-payments and sub-limits reduce the claim payable.
Additional information
- Renewal is generally available for life, and portability keeps waiting-period credit.
- A super top-up is a cost-effective way to raise cover.
- Related services: Insurance Claims Assistance, Insurance Renewal & Premium Management.
The estimated cost covers indicative professional fees only. Government fees, stamp duty and taxes are payable at actuals.
How it works
- 1. Raise a service enquiry describing your requirement.
- 2. A Relationship Manager reviews it and opens it for bidding.
- 3. Pay into escrow and assign the professional you select.
- 4. Track progress to completion, then accept and release payment.
Frequently asked questions
Family floater or individual policy?
Floaters suit young families; individual policies may suit older members to avoid one claim exhausting the cover.
What is a super top-up?
Extra cover that pays once total claims in a year cross a deductible, a low-cost way to raise cover.
Are pre-existing diseases covered?
Yes, after the waiting period, which is capped at three years under current IRDAI rules.
Is GST charged on health insurance?
Individual health insurance premiums are exempt from GST from 22 September 2025.