Individual plans
A separate policy per person. Simple, and the sensible choice where one family member has a health history that would otherwise push up everyone's premium.
Health insurance
The one policy that protects everything else you have built
A single serious hospitalisation can wipe out years of patient investing. Health cover is not an expense competing with your SIP — it is what makes the SIP safe to continue.
Why this matters
Medical costs rise faster than almost anything else you budget for
Healthcare inflation in India has consistently run well ahead of general inflation. The sum insured that felt generous when you bought the policy quietly becomes inadequate as the years pass — and by the time you notice, a pre-existing condition may have made upgrading harder or costlier.
Meanwhile, employer group cover ends the day the job does. Relying on it alone is the most common gap we find when we review a new client's file.
What we do differently. We read the policy wording with you before
you buy — room rent limits, disease-wise sub-limits, waiting periods, co-payment
clauses and the restoration benefit. These are the clauses that decide whether a claim
is paid in full, and almost nobody reads them at the time of purchase.
The five clauses that decide your claim
- Room rent limit — cap your room category and the hospital's whole bill may be proportionately reduced, not just the room charge.
- Waiting periods — pre-existing conditions and specific illnesses are typically excluded for an initial period. Know yours.
- Sub-limits — some policies cap the payout for named procedures regardless of your total sum insured.
- Co-payment — a fixed share of every claim you pay yourself, common in senior citizen plans.
- Restoration benefit — whether your cover refills if it is exhausted mid-year, and under what conditions.
What we help you with
Choosing the right shape of cover
Different situations call for genuinely different structures — not just different sums insured.
Family floater
One sum insured shared across the family. Usually cheaper per head — but if two members are hospitalised in the same year, the cover has to stretch. We size it with that in mind.
Senior citizen plans
Cover for parents, where entry age limits, co-payment clauses and pre-existing disease waiting periods matter far more than the headline premium.
Super top-up cover
The most cost-effective way to go from a modest sum insured to a large one. It sits above a deductible, so the premium stays low while your worst-case protection rises sharply.
Critical illness cover
A lump sum paid on diagnosis of a listed condition, regardless of hospital bills. It replaces lost income during treatment — which ordinary health cover does not do.
Renewals & reminders
We track your renewal dates so cover never lapses, and handle the paperwork each year. If porting to another insurer would genuinely serve you better, we will say so plainly — and make sure your accumulated waiting periods are protected in the move.
When it counts
We are there at claim time
Buying the policy is the easy part. The measure of an advisor is what happens when you are standing at a hospital admission desk.
Before admission
Call us first. We confirm whether the hospital is in your insurer's cashless network and what pre-authorisation is needed.
During the stay
We help chase the pre-authorisation approval and flag anything in the bill that your policy will not cover, before it becomes a surprise.
Filing the claim
Documentation is where most claims are delayed. We tell you exactly what to collect and in what form, whether cashless or reimbursement.
If it is rejected
We help you understand the stated reason, and where the rejection is not justified, take it up through the insurer's grievance process.
Questions we get asked
Straight answers
How much cover does my family actually need?
There is no single right answer, but a useful starting test is whether your cover would absorb a serious multi-day hospitalisation at the private hospital you would actually go to, in your city, today — not five years ago. For most families in and around Kolkata that means a meaningfully larger figure than the ₹3–5 lakh policies bought a decade ago. We work it out against real local hospital costs and your budget, and often reach the number through a modest base policy plus a super top-up rather than one expensive plan.
I already have cover from my employer. Is that enough?
It is a useful supplement, not a foundation. Group cover typically ends when you leave, retire, or are asked to leave — usually at the age when buying fresh cover is hardest and most expensive. It is also generally smaller than it looks once room-rent and sub-limit clauses apply. We recommend holding a personal policy alongside it, started as early as possible so the waiting periods are already behind you.
I have a pre-existing condition. Can I still get cover?
In most cases yes, though the condition will typically carry a waiting period before it is covered, and the premium may be loaded. Declare everything honestly at the proposal stage. A non-disclosure discovered at claim time is the single most common reason a genuine claim is refused — the short-term saving is never worth it.
What does this cost me as your client?
Nothing above the premium set by the insurer. Premiums for a given policy are filed with the regulator and are the same whether you buy through us, through an aggregator website, or direct. Where we are appointed on the policy we receive commission from the insurer, which is already built into that premium.
Should I buy health insurance or invest that money instead?
Insurance first, and it is not close. A self-funded medical emergency is paid out of your invested capital at exactly the moment markets may be down — you sell low, and the goal that money was meant for disappears. Premiums are a small, known cost that removes a large, unknown one.
How our insurance business is licensed.
Health insurance is arranged by Mahua Chaudhuri, an IRDAI-licensed
individual insurance agent and a Director of Wealthino Ventures Private Limited
(IRDAI agent licence no. [ LICENCE NUMBER ]). Policies are placed with
HDFC ERGO General Insurance Company Limited (intermediary code 201904505470)
and [ OTHER INSURERS ]. Wealthino Ventures Private Limited is registered with AMFI as a
mutual fund distributor (ARN-361120); it is not an insurance company and does not
itself underwrite or issue policies. Insurance is a subject matter of solicitation.
Not sure if your current policy is any good?
Send us the policy document. We will read the fine print and tell you plainly where the gaps are — whether or not you buy anything from us.