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A modern platform built exclusively for professionals who want transparent, ethical & expert-driven health insurance guidance.

Zero Confusion, 100% Clarity

Clear comparisons, unbiased suggestions & complete transparency.

Expert-Led Insurance Advice

Certified advisors who guide you based on your health needs.

24×7 Claim Support

Real humans, real answers — anytime you need us.

Trusted by Doctors & Families

Reliable protection backed by India's leading insurers.

Get Your Free Quote

Key Features of Health Insurance

Cashless Hospitalisation

Get treatment at network hospitals without paying upfront.

Pre & Post Hospitalisation

Covers tests, scans, consultations before and after hospitalisation.

Hospitalisation Cover

Room rent, ICU, surgery, and doctor fees covered.

High Sum Insured

Comprehensive coverage ₹5L- till unlimited sum insured.

AYUSH Coverage

Coverage for Ayurveda, Homeopathy, Unani and Yoga.

Pre-existing Diseases

Conditions become covered after the waiting period.

100% Restoration

Coverage automatically refills for future claims.

Ambulance Cover

Ambulance expenses covered during medical emergencies.

No Claim Bonus

Sum insured increases every claim-free year.

Maternity Add-on

Optional cover for delivery and newborn protection.

Annual Check-up

Get yearly preventive check-ups included.

Day-care Treatment

Dialysis, chemo, and cataract covered without admission.

Modern Treatment

Robotic surgeries and advanced procedures covered.

Home Care Treatment

Treatments at home under supervision.

CoverNow — Benefits of Buying Health
Insurance Online

Smart | Transparent | Fast

Instant Policy Issuance

Buy your policy in minutes without paperwork.
Your health coverage starts immediately after payment and proposal approval.

Complete Transparency

Compare coverage, exclusions, waiting periods, premiums & benefits — all clearly visible online.
No hidden charges, no forced selling.

Easy Comparison of Multiple Plans

View benefits, premiums, add-ons, hospital networks & features side-by-side.
Choose what truly fits your family’s needs.

Secure Digital Payments (EMI Available)

Pay through UPI, card, net banking, or EMI.
Instant receipts + auto policy download.

24×7 Access to Policy Documents

Your policy, endorsements, and claim history stay saved in your
CoverNow dashboard — accessible anywhere, anytime.

Faster & Hassle-Free Claim Support

Submit documents online, track claim status in real time, and get
dedicated support without visiting branches.

Zero Paperwork — 100% Digital Process

E-KYC, E-sign, online proposal form, soft-copy policy —
no physical signatures or courier delays.

Smart Recommendations Based on Your Needs

CoverNow suggests the best plan using:
Age • Health profile • Family size • Budget • Existing coverage
So you never overpay or stay underinsured.

Exclusive Online Discounts & Offers

Get online-only pricing, multi-year discounts, NCB benefits, and
instant coupons — only via digital purchase.

No Agent Dependency

You control every step — policy purchase, renewal, claim submission & tracking.
Zero pressure, zero confusion.

Know Claim Settlement Process

Inform Us or Hospital

Tell your CoverNow Manager or the hospital TPA desk. We guide you from the first minute.

Hospital Sends the Pre-Auth Form

Hospital shares treatment details with insurer. We ensure documents are accurate for quick approval.

Insurer Approves the Request

We continuously follow up so approval comes faster and treatment starts without payment.

Your Treatment Continues Smoothly

We coordinate with the hospital for reports, queries, and updates.

Insurer Pays the Hospital

After discharge, the insurer settles the approved bill directly with the hospital.

Cashless vs Reimbursement Comparison
Feature Cashless Reimbursement
Hospital Network • Network hospitals only Any hospital
Payment No upfront payment • Pay first, claim later
Pre-approval • Required Not required
Settlement Time Instant • 15–30 days
Documentation • Minimal • Comprehensive
Convenience • High • Moderate
Emergencies • Best for planned • Best for urgent
Claim Process • Hospital handles • You handle

Why Do Health Insurance Claims Get Rejected?

Stay informed. Avoid mistakes. Ensure your claim is always approved.

Non-Disclosure of Medical History

Hiding or forgetting to mention pre-existing diseases leads to rejection.

Claim within Waiting Period

Illnesses treated before waiting period completion aren't covered.

Treatment Not Covered

Some treatments are outside coverage (Policy Exclusions).

Lapsed or Inactive Policy

If premium is not paid on time, insurer cannot honor claims.

Incomplete Documents

Missing bills or original reports often delay or reject claims.

Incorrect Information

Mismatch in name, age, or diagnosis details can cause rejection.

Non-Network Hospital

Cashless claims are usually only approved in network hospitals.

Delay in Intimation

Insurers require claim intimation within 24-48 hours of hospitalization.

How to Avoid Claim Rejection

Follow these best practices for hassle-free claim settlement

Declare all medical history honestly

Don’t delay claim submission

Understand your exclusions & limits

Keep all original bills and reports

Choose plans with No Room Rent Cap

Prefer cashless hospitals for seamless approval

Always check network hospitals before admission

Inform the insurer within 24 hours of hospitalisation

Get a Plan with Zero Claim Rejections

Transparent coverage
No hidden limits
Fastest claim assistance

Frequently Asked Questions (FAQ)

BASICS, PREMIUM & TAX BENEFITS

Health insurance protects you financially by covering hospitalisation, treatment, surgery, and medical expenses as per the plan you choose.
Healthcare costs are rising sharply. A good policy prevents sudden medical bills from affecting your savings and ensures access to quality treatment.
Everyone — individuals, couples, families, senior citizens, and even young adults starting their career.
The maximum amount your insurer will pay for medical expenses in a policy year.
₹10–25 lakh for a family of 3–4 is considered ideal in metro and non-metro cities.
Individual: Covers one person. Family Floater: One sum insured shared by all family members.
Yes. You can own multiple policies and claim from them as per IRDAI rules.
Cosmetic surgery, infertility treatment, experimental treatment, and illnesses during waiting periods.
You get 15 days to review your policy and cancel it if you are not satisfied.
Yes, but refunds depend on the policy terms and the unused tenure.
Age, city, sum insured, medical history, type of plan, and add-ons affect premium.
Premiums increase due to age brackets, rising healthcare inflation, and insurer underwriting.
Yes. Most insurers offer multiple payment modes.
Discounts on premium + protection from yearly price hikes.
The premium amount is proportionally divided across three years under Section 80D.
You can retry the payment. If the amount is deducted but the policy is not issued, it is automatically refunded.
A refund is available only during the free-look period.
The extra amount is automatically refunded within 5–7 working days.
Yes, at the time of renewal.
Yes, insurers and banks now offer EMI options for higher premium plans.

Customer Feedbacks

Dr. Yashwant Jotiram Mahale

Dhule, Maharashtra

Initially, I was unsure about a few policy terms, but the team took time to explain everything patiently. Now I feel reassured knowing my family is well covered.

Ajinkya Ashok Patil

Kolhapur, Maharashtra

The claim process took a few days, but it was transparent. I received the reimbursement without any unnecessary hassle.

Swati Bansal

Varanasi, Uttar Pradesh

I compared multiple insurers before choosing this one. The guidance was clear, premiums are reasonable, and the service team is responsive.

Dr. Rakesh Kumar

Noida, Uttar Pradesh

There was some delay in claim approval, but the support team kept me informed throughout. The claim was finally settled smoothly.

Harish Kumar

Gurgaon, Haryana

Good customer service. Every clause was explained clearly. I feel confident recommending them to others.

Rajesh Saini

Kurukshetra, Haryana

There was some confusion initially with cashless approval at the hospital, but the company resolved it quickly.

Harsha D N

Bangalore, Karnataka

The policy options were explained in detail. I appreciated the transparency throughout the process.

Dr. Santosh R Naik

Mandya, Karnataka

Claim settlement took a bit longer than expected, but the communication was honest and the issue was resolved properly.

Rajesh Chand Arya

Amritsar, Punjab

I had several doubts about coverage, but the team clarified everything patiently. Overall, a smooth experience.

Dr. P. D. Gargi

Punjab

The cashless facility worked well. I didn’t have to worry about payments during hospitalization.

Sweta Mhalshekar

North Goa

The service is prompt. I faced a small issue with documentation, but the team guided me step by step.

Dr. Mhalshekar

Goa

Good brand presence in Goa and a helpful support team.

Pazhiyadathu Varughese Thomas

Alappuzha, Kerala

The paperwork initially felt a bit heavy, but once everything was submitted, the claim was processed fairly.

Nikhil Dileep

Pathanamthitta, Kerala

The benefits were explained clearly. I trust them for my family’s healthcare needs.

Harsheshkumar M. Dave

Bharuch, Gujarat

Premiums are competitive, and the service team explained the policy clearly.

Mitesh Kanjibhai Raj

Ahmedabad, Gujarat

Excellent customer support. They even followed up after the claim settlement.

Dr. Prateek Arora

New Delhi

I had a few questions about exclusions, and the team explained everything clearly. Good overall service.

Sat Paul Sharma

Delhi

Communication was transparent throughout the process. I felt supported at every step.

Siddhartha Sankar Konwar

Dibrugarh, Assam

I’m happy with the service. The policy terms were explained in simple language.

Bhaskarjyoti Deka

Assam

The staff ensured the entire process went smoothly.

Mrs. Sridharan Anushri

Chennai, Tamil Nadu

A helpful team that explained all benefits clearly.

Dr. Prodip Bhattacharjee

Tamil Nadu

There was a minor documentation issue, but it was resolved quickly.

Pavneet Singh Khurana

Ganganagar, Rajasthan

Good service with a transparent process.

Priyanka Soni

Jaipur, Rajasthan

I was concerned about exclusions initially, but the team clarified everything. The experience felt trustworthy.

Dr. Kankan Chattopadhyay

Kolkata, West Bengal

The policy explanation was detailed. I feel confident about my coverage.

Intekhab Aslam

West Bengal

Reliable service and a fair process.

Gaurav Patodia

Dhanbad, Jharkhand

Good service. The policy was explained clearly and in detail.

Lt. Col. Archana Singh

Jharkhand

The support during an emergency was very helpful. I felt reassured.

Satyen Dhanraj Gyani

Durg, Chhattisgarh

I was initially confused about the procedure, but the support team guided me well.

Adya Singhrol

Chhattisgarh

Reliable service. I feel secure with this policy.

Sharath Chandra Kaushik

Hyderabad, Telangana

Good brand presence and clear explanation of policy terms.

Dr. Navuluri Padmavathi

Telangana

The communication was transparent and supportive.

Hitesh Gupta

Jammu, J&K

Helpful staff and clear policy explanations.

Monika Joshi

Jammu & Kashmir

I trust this brand when it comes to my family’s health.