Health Insurance, Life Insurance, and Travel Insurance plans designed to give you peace of mind — including coverage for pre-existing conditions. Affordable plans, transparent coverage, and dedicated support every step of the way.
Every year, millions of families face unexpected medical emergencies and financial hardships. The right insurance policy acts as a safety net — keeping your loved ones protected when it matters most.
Healthcare costs increase 14% annually. Without medical insurance, a single hospitalization can drain your life savings. Our plans cover everything from routine checkups to critical surgeries.
Life insurance ensures your family's financial stability even in your absence. Cover mortgages, education costs, and daily expenses so your loved ones never face uncertainty.
Insurance premiums qualify for tax deductions. Many policies also serve as investment vehicles, building cash value over time while keeping you protected.
Premiums are lowest when you're young and healthy. Waiting increases costs and risks being denied coverage due to pre-existing conditions. Act now for the best rates.
From everyday illnesses to major pre-existing conditions, choose the Care Health plan that fits your life stage and health profile — backed by our advisors every step of the way.
Entry age 18 – 99 years, available at a low premium — senior citizens are also eligible for cover.
No waiting period on the conditions above — coverage is available immediately, with treatment eligible from day 31.
Comprehensive protection with instant coverage for a wide range of pre-existing conditions.
Instant coverage on the conditions above — treatment is eligible from day 31 under Care Supreme.
Designed for major and multiple pre-existing diseases, including spinal cord problems, lung diseases, cancer, stroke, liver infection, and kidney disorders.
Offered with a waiting period or permanent exclusions, depending on your medical reports.
Built for customers with a history of heart-related conditions such as bypass surgery, valve replacement, stent placement, angioplasty, or angiogram.
Offered with a waiting period based on underwriting of your medical reports.
Our most value-for-money plan — ideal if you're looking for solid coverage on an affordable premium.
Global protection with cashless treatment worldwide, plus reimbursement for treatments taken abroad.
Special Benefit: Customers aged 75 – 99 years can get coverage without co-pay and sub-limits.
Claim Your 7% Discount NowWe provide travel policies for all countries, with or without pre-existing diseases — and no waiting period under our New Explore plan.
Here's why a life insurance policy deserves a place in your financial plan.
If something unfortunate happens to the head of the family, your nominee receives a lump sum to cover living costs, loans, and goals — without financial stress.
Life insurance ensures your family can keep working toward their dreams, even in your absence.
Outstanding home loan, car loan, or credit card debt? The payout clears them so your family doesn't inherit the burden.
Get ₹1 Crore in coverage for a small annual premium by buying while you are young and healthy—it is far cheaper than trying to save that amount yourself.
Death claims are covered under Section 10(10D), which makes the payout completely tax-free.
Endowment, ULIP, and money-back plans combine protection with savings — you get maturity benefits if you outlive the term.
Fund your child's education, your daughter's marriage, or your retirement — without touching other investments.
Knowing your family is secure lets you take career risks, invest, and live without constant "what if" anxiety.
Add accidental death cover, critical illness, or a waiver of premium for a small extra cost to plug any gaps.
"Life insurance isn't an expense — it's the cost of keeping your family's life unchanged if you're not around."
Every family's needs are different. Let our advisors help you choose the right life insurance coverage for your situation.
Enquire NowBoth types of insurance serve different purposes. Here's a quick comparison to help you understand which coverage you need — or why you might need both.
| Feature | Health Insurance | Life Insurance |
|---|---|---|
| Purpose | Covers medical & healthcare expenses | Provides financial support to beneficiaries |
| When It Pays | When you need medical treatment | Upon death or policy maturity |
| Coverage Duration | Annual (renewable each year) | Term-based or lifetime |
| Who Benefits | You & covered family members | Your nominated beneficiaries |
| Cash Value | No cash value component | Whole & Universal policies build cash value |
| Tax Benefits | Premiums may be tax-deductible | Death benefit is generally tax-free |
| Best For | Anyone who wants health protection | Breadwinners, parents, mortgage holders |
Not sure which one you need? Most financial advisors recommend having both health and life insurance for complete protection.
Talk to a Health Planner Expert — It's FreeShare your basic details and insurance preferences using our simple form below. Takes less than 2 minutes.
Our licensed advisor will reach out within 24 hours with a personalized quote and expert recommendations.
Choose your plan, complete simple paperwork, and you're protected. Coverage can start as early as the next day.
"When my husband was diagnosed with a critical illness, our medical insurance covered every penny of his treatment. We didn't have to worry about finances during the most difficult time of our lives. Thank you, Policy4U."
"I got my term life insurance policy at 28 — the premiums were incredibly low. It gives me peace of mind knowing my kids' education and our home are protected no matter what. The process was seamless."
"As a small business owner, I needed both medical and life insurance. Policy4U's advisor helped me find the perfect combination within my budget. Claims are processed fast and their support team is exceptional."
Health insurance covers your healthcare costs — doctor visits, hospitalization, prescriptions, and surgeries — while you're alive. Life insurance provides a lump-sum payout to your beneficiaries (family) when you pass away, helping them maintain their financial stability. Ideally, you should have both for complete protection.
Yes! Under our Ultimate Care and Care Supreme plans, conditions like asthma, blood pressure, cholesterol, diabetes, and obesity are covered immediately, with treatment eligible from day 31. Major conditions (cancer, stroke, kidney or liver disorders) and heart-related conditions are covered under Care Freedom and Care Heart, subject to a waiting period or exclusions based on your medical reports.
A common rule of thumb is 10-15 times your annual income. However, the right amount depends on your debts (mortgage, loans), number of dependents, future education costs, and your family's lifestyle needs. Our advisors will help you calculate the exact amount during your free consultation.
Standard exclusions include cosmetic surgery, experimental treatments, self-inflicted injuries, and injuries from extreme sports (unless riders are added). Specific exclusions vary by plan. Our Basic plan doesn't cover dental/vision, while our Elite plan covers almost everything including international treatment.
Medical insurance can be activated within 24-48 hours after application approval. Term life insurance typically takes 1-2 weeks as it may require a medical exam. Our simplified issue policies (no medical exam) can be approved in as little as 48 hours.
Yes. All our policies come with a 30-day free-look period where you can cancel for a full refund. After that, you can cancel anytime. For life insurance policies with cash value, you'll receive the accumulated cash value upon surrender.
Absolutely! There's no cost and no obligation. Our licensed advisors will review your needs, provide personalized recommendations, and give you a detailed quote — all completely free. You only pay if you decide to purchase a policy.
Get an exclusive 7% discount when you buy through Policy4U
Fill out the form and one of our licensed insurance advisors will contact you within 24 hours with a personalized quote — absolutely free, no obligations.
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Email us: contact@policy4u.in