Health Insurance
Your health policy is the one you'll lean on at the worst possible moment. A review now means fewer surprises at the hospital desk.
What we look at in a health insurance policy
Most people buy a health policy once, often alongside a home loan or a new job, and then renew it every year without opening the document. Meanwhile, hospital costs move, the family grows, and the policy quietly stays the same. A Kavaach review looks at the policy you already have, what it would actually pay in a real claim, and whether it still fits the people it's meant to protect.
- Sum insured vs. real hospital costsIs the cover enough for a serious hospitalisation in the city you live in today, for the whole family on the policy?
- Waiting periods and what's still inside themPre-existing disease and specific-illness waiting periods, and whether a mid-term change would reset them.
- Room rent limits and proportionate deductionsA room-rent cap can shrink the entire claim, not just the room bill. We check whether yours has one and what it means.
- Sub-limits, co-pays and disease capsCaps on specific treatments, mandatory co-payments, and zone-based pricing that changes what you get back.
- Exclusions and consumablesWhat the policy won't pay for, and whether non-payable items like consumables are covered by a rider.
- Restoration, no-claim bonus and portabilityWhether your sum insured restores after a claim, how your cumulative bonus has grown, and what portability would and wouldn't carry over.
- Network hospitals near youWhether the hospitals you'd actually go to are in the cashless network of your insurer.
Cover that was right once, and drifted
Policies stay fixed; lives, cities and businesses don't. The gap between what you're covered for and what you'd actually need tends to open slowly and silently. A review measures it.
Illustrative only. These are conceptual examples of how cover can drift from need over time, not statistics, benchmarks or a prediction for any policy.
Choose how you want to handle Health Insurance
Both paths are complimentary and both end the same way: you decide.
Talk to your Kavaach Saathi
Share your policy on WhatsApp. A real person reviews it against what you actually need and walks you through the gaps, in plain language. No forms, no sales pitch.
- Send your policy document or a photo
- We review cover, exclusions, and fit
- You get clear insights and options
- You decide what to do next
Compare it yourself
Prefer doing it on your own? Use the Kavaach self-serve portal to compare and buy directly, at your own pace.
- Enter your mobile number
- Verify with the OTP you receive
- Compare plans on the dashboard and buy
Kavaach is not an insurer, broker or agent. A review is a second opinion on fit and coverage, not a recommendation to buy, switch or cancel. We do not guarantee premiums, savings or approval. Whatever path you pick, the decision stays with you.
Frequently asked questions
Do I need to change my health insurer for a review?
No. A review is about the policy you already have. Many reviews end with 'keep it, but add a top-up' or 'keep it, but fix the nominee'. Switching is one option among several, and it's your call.
What documents do you need?
Your policy document (PDF or photos of the schedule pages) and the name and age of the people covered. If you have a recent renewal notice, that helps too.
Will a review affect my no-claim bonus or waiting periods?
A review itself changes nothing about your policy. If you later decide to port or switch, we'll explain what carries over under IRDAI's portability rules and what doesn't, before you decide.
What is a top-up or super top-up, and do I need one?
A top-up adds cover above a deductible, usually at a much lower premium than raising the base sum insured. Whether it fits depends on your base policy and your family's needs; that's exactly what the review looks at.
How long does it take?
Most individual health reviews come back within one to two working days on WhatsApp.