Compare • Choose • Get Covered — in Minutes
Clear comparisons, unbiased suggestions & complete transparency.
Certified advisors who guide you based on your health needs.
Real humans, real answers — anytime you need us.
Reliable protection backed by India's leading insurers.
Get treatment at network hospitals without paying upfront.
Covers tests, scans, consultations before and after hospitalisation.
Room rent, ICU, surgery, and doctor fees covered.
Comprehensive coverage ₹5L- till unlimited sum insured.
Coverage for Ayurveda, Homeopathy, Unani and Yoga.
Conditions become covered after the waiting period.
Coverage automatically refills for future claims.
Ambulance expenses covered during medical emergencies.
Sum insured increases every claim-free year.
Optional cover for delivery and newborn protection.
Get yearly preventive check-ups included.
Dialysis, chemo, and cataract covered without admission.
Robotic surgeries and advanced procedures covered.
Treatments at home under supervision.
Smart | Transparent | Fast
Buy your policy in minutes without paperwork.
Your health coverage starts immediately after payment and proposal approval.
Compare coverage, exclusions, waiting periods, premiums & benefits — all clearly visible online.
No hidden charges, no forced selling.
View benefits, premiums, add-ons, hospital networks & features side-by-side.
Choose what truly fits your family’s needs.
Pay through UPI, card, net banking, or EMI.
Instant receipts + auto policy download.
Your policy, endorsements, and claim history stay saved in your
CoverNow dashboard — accessible anywhere, anytime.
Submit documents online, track claim status in real time, and get
dedicated support without visiting branches.
E-KYC, E-sign, online proposal form, soft-copy policy —
no physical signatures or courier delays.
CoverNow suggests the best plan using:
Age • Health profile • Family size • Budget • Existing coverage
So you never overpay or stay underinsured.
Get online-only pricing, multi-year discounts, NCB benefits, and
instant coupons — only via digital purchase.
You control every step — policy purchase, renewal, claim submission & tracking.
Zero pressure, zero confusion.
Tell your CoverNow Manager or the hospital TPA desk. We guide you from the first minute.
Hospital shares treatment details with insurer. We ensure documents are accurate for quick approval.
We continuously follow up so approval comes faster and treatment starts without payment.
We coordinate with the hospital for reports, queries, and updates.
After discharge, the insurer settles the approved bill directly with the hospital.
| 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 |
Stay informed. Avoid mistakes. Ensure your claim is always approved.
Hiding or forgetting to mention pre-existing diseases leads to rejection.
Illnesses treated before waiting period completion aren't covered.
Some treatments are outside coverage (Policy Exclusions).
If premium is not paid on time, insurer cannot honor claims.
Missing bills or original reports often delay or reject claims.
Mismatch in name, age, or diagnosis details can cause rejection.
Cashless claims are usually only approved in network hospitals.
Insurers require claim intimation within 24-48 hours of hospitalization.
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
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.
Kolhapur, Maharashtra
The claim process took a few days, but it was transparent. I received the reimbursement without any unnecessary hassle.
Varanasi, Uttar Pradesh
I compared multiple insurers before choosing this one. The guidance was clear, premiums are reasonable, and the service team is responsive.
Noida, Uttar Pradesh
There was some delay in claim approval, but the support team kept me informed throughout. The claim was finally settled smoothly.
Gurgaon, Haryana
Good customer service. Every clause was explained clearly. I feel confident recommending them to others.
Kurukshetra, Haryana
There was some confusion initially with cashless approval at the hospital, but the company resolved it quickly.
Bangalore, Karnataka
The policy options were explained in detail. I appreciated the transparency throughout the process.
Mandya, Karnataka
Claim settlement took a bit longer than expected, but the communication was honest and the issue was resolved properly.
Amritsar, Punjab
I had several doubts about coverage, but the team clarified everything patiently. Overall, a smooth experience.
Punjab
The cashless facility worked well. I didn’t have to worry about payments during hospitalization.
North Goa
The service is prompt. I faced a small issue with documentation, but the team guided me step by step.
Goa
Good brand presence in Goa and a helpful support team.
Alappuzha, Kerala
The paperwork initially felt a bit heavy, but once everything was submitted, the claim was processed fairly.
Pathanamthitta, Kerala
The benefits were explained clearly. I trust them for my family’s healthcare needs.
Bharuch, Gujarat
Premiums are competitive, and the service team explained the policy clearly.
Ahmedabad, Gujarat
Excellent customer support. They even followed up after the claim settlement.
New Delhi
I had a few questions about exclusions, and the team explained everything clearly. Good overall service.
Delhi
Communication was transparent throughout the process. I felt supported at every step.
Dibrugarh, Assam
I’m happy with the service. The policy terms were explained in simple language.
Assam
The staff ensured the entire process went smoothly.
Chennai, Tamil Nadu
A helpful team that explained all benefits clearly.
Tamil Nadu
There was a minor documentation issue, but it was resolved quickly.
Ganganagar, Rajasthan
Good service with a transparent process.
Jaipur, Rajasthan
I was concerned about exclusions initially, but the team clarified everything. The experience felt trustworthy.
Kolkata, West Bengal
The policy explanation was detailed. I feel confident about my coverage.
West Bengal
Reliable service and a fair process.
Dhanbad, Jharkhand
Good service. The policy was explained clearly and in detail.
Jharkhand
The support during an emergency was very helpful. I felt reassured.
Durg, Chhattisgarh
I was initially confused about the procedure, but the support team guided me well.
Chhattisgarh
Reliable service. I feel secure with this policy.
Hyderabad, Telangana
Good brand presence and clear explanation of policy terms.
Telangana
The communication was transparent and supportive.
Jammu, J&K
Helpful staff and clear policy explanations.
Jammu & Kashmir
I trust this brand when it comes to my family’s health.