Family floater
One shared sum insured for a young household — simple and cost-efficient.
Health insurance
Hospital bills shouldn't decide your family's future.
The right health cover is not the plan with the longest brochure. It is the one structured around your family, your city and the clauses that decide what gets paid.
Family floaterIndividual coverSuper top-upCashless claims
In plain English
What health insurance actually does
Health insurance pays eligible medical costs in exchange for an annual premium. The important part is not only the sum insured: room limits, waiting periods, co-pays, sub-limits, restoration and hospital access decide how useful that number really is.
Individual plans
A separate pool for each person, often right for parents, seniors and existing conditions.
Super top-up
A large extra layer above a deductible, often the most efficient way to reach ₹50 lakh or more.
An honest fit check
Who this is for — and who should skip it
It fits when
You want lifelong cover independent of an employer. You want the fine print reviewed before you buy.
Consider another route when
You need a known treatment covered immediately despite a waiting period. You are looking for a guarantee that every expense will be paid.
Claims, handled
A named human owns the process end to end
One person, one number, from the first call to the final settlement. You stay with your family; we carry the paperwork and follow-ups.
- 01
Call your claim expert
One call starts everything — no forms, helpline queue or ticket number.
- 02
We verify the cover
Eligibility, limits, waiting periods and the right claim route, explained plainly.
- 03
We build and submit the file
Forms are pre-filled, documents checked and insurer queries answered.
- 04
Settled, then explained
Every approval and deduction is broken down. We contest what is unsupported.
Good questions
Questions, answered
Family floater or individual plans — which is better?
A floater is usually cheaper for young families. Individual plans suit families where one member is older or has health conditions, since one person's claims do not erode everyone's cover.
My employer already covers me — do I need my own policy?
Employer cover is real, but is often small and ends when your job does. A personal policy or super top-up stays yours across jobs and retirement.
Does health insurance cover everything from day one?
No. Accidents are typically covered immediately, while pre-existing conditions and specified illnesses have waiting periods. The exact wording varies by plan.
Is MITRA's advice really free?
Yes — consultations and claims support are free for you. Like all insurance intermediaries, we earn a standard commission from insurers when a policy is issued. Our advisors are measured on fit and claim outcomes, not sales targets.
What does claims support include?
A dedicated claim expert prepares and verifies your documents, coordinates with the hospital, insurer or TPA, resolves queries, and explains the final settlement in plain language. It is included for policies bought or ported through MITRA.
Can MITRA guarantee that my claim will be paid?
No intermediary can decide or guarantee a claim outcome. The insurer decides based on policy wording and the facts of the claim. MITRA makes sure your file is complete, follows up, contests unsupported deductions and escalates when valid grounds exist.
Free · Unbiased · No pressure
Talk it through with an expert
15 minutes, plain English, no pressure and no obligation.