# Health Insurance — Arthum Wealth Services

We help you pick health cover based on **claim settlement ratios, room-rent rules and what's actually excluded** — not the cheapest premium.

## What we help with
- Family floater vs individual decision
- Right sum insured for your city and lifestyle (₹10L base + top-up framework)
- Comparing insurers on claim settlement and incurred claim ratios
- Top-up and super top-up to scale cover cheaply
- PED (pre-existing disease) 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)
2. Incurred claim ratio
3. Room rent capping (or no cap)
4. Disease-wise sub-limits
5. Co-payment clauses
6. Restoration benefit
7. No-claim bonus structure

## 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.

*Insurance is the subject matter of solicitation.*