ARTHUM
// 02 — Health Insurance

The cover you'll actually be glad you bought.

Hospital bills are now the single biggest reason Indian families slip back into debt. We help you pick a plan based on claim settlement ratios, room rent rules and what's actually excluded.

What we help with

  • Family floater vs individual policy decision
  • Right sum insured for your city and lifestyle (₹10L base + top-up framework)
  • Comparing insurers on claim settlement ratio, network hospitals and room-rent caps
  • Top-up and super top-up to scale cover cheaply
  • Pre-existing disease (PED) handling and waiting periods
  • Critical illness and personal accident add-ons
  • Senior citizen plans for parents
  • Portability from your existing insurer

How we choose

  1. Claim settlement ratio — last 3 years, not lifetime.
  2. Incurred claim ratio — is the insurer paying out enough to be sustainable?
  3. Room rent capping — capped policies trigger proportionate deductions.
  4. Sub-limits — disease-wise caps that quietly reduce your payout.
  5. Co-payment — common in senior citizen plans, sometimes hidden.
  6. Restoration benefit — full re-fill of sum insured in the same policy year.
  7. No-claim bonus — sum insured growth without extra premium.

Why most policies disappoint

Bought online for the lowest premium, no one explains room-rent capping or sub-limits, and the family finds out at the hospital billing desk. We make sure that never happens.

Insurance is a contract. The fine print is the contract.