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IRDAI Certified Coverage

Protect Your
Family's Health
& Future

Comprehensive health insurance plans starting at ₹399/month — cashless treatment at 10,000+ hospitals, zero paperwork, and 99% claim settlement.

10,000+ Cashless Hospitals 99% Claim Settlement Plans from ₹399/mo 48hr Claim Process
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10,000+ Families Protected Join thousands of happy VCULP clients
Instant Policy
Issued in 5 mins
Health Insurance
Personalised for you & your family
Coverage Amount ₹5 Lakh
Cashless Hospitalisation
10,000+ network hospitals across India
Family Floater Option
Cover entire family under one plan
No Claim Bonus
Coverage grows up to 50% for every claim-free year
Pre & Post Hospitalisation
60 days before & 90 days after covered
99% Claims Settled
Hassle-free process
Why Health Insurance?

Smart Protection for Your Health, Wealth & Family

Health insurance is not just a policy — it protects you from rising medical costs, gives tax savings, secures your family, and ensures stress-free cashless treatment when you need it most.

Medical Bills Coverage

Hospitalisation, surgeries, medicines, and emergency expenses can be expensive. Health insurance helps reduce this financial burden.

Tax Benefits

Save tax under applicable sections while also building a financial safety net for your healthcare expenses.

Family Protection

Cover your spouse, children, and parents under one plan and make sure your loved ones stay financially protected.

Cashless Claims

Get treatment at network hospitals without arranging cash upfront, making the entire claim process faster and smoother.

What's Covered?

Coverage That Supports You at Every Critical Moment

A strong health insurance plan helps you manage planned treatments, unexpected emergencies, hospital stays, and recovery expenses — all without putting pressure on your savings.

Hospitalisation Expenses

Room rent, ICU charges, surgeries, nursing, and treatment-related costs.

Pre & Post Treatment

Doctor consultations, diagnostics, and medicines before and after hospitalisation.

Emergency Care

Quick support during accidents, emergency admissions, and critical situations.

Plan Highlights

Included Benefits

Active Coverage
Cashless Hospitalisation
Access treatment at network hospitals with minimal upfront payment.
Family Floater Cover
One policy can protect your spouse, children, and dependent parents.
No Claim Bonus
Increase coverage over time when no claims are made during the policy year.
Day Care Procedures
Coverage for selected treatments that do not require 24-hour admission.
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Our Plans

Choose the Right Plan for Every Life Stage

Whether you need personal protection, family-wide coverage, or senior-focused healthcare support, we offer plans designed for every need and budget.

Popular for Young Professionals

Individual Plan

Ideal for individuals who want personal health coverage with flexible sum insured options and affordable premiums.

Starting from
₹399/month
Personalised medical coverage
Cashless hospitalisation
Pre & post hospitalisation cover
No claim bonus benefits
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Best Value
Recommended for Families

Family Floater

One smart plan that covers your spouse, children, and dependent parents under a single sum insured.

Starting from
₹799/month
One plan for entire family
Higher coverage options
Child & spouse inclusion
Better premium efficiency
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Specially for 60+ Age Group

Senior Citizen

Designed for elderly members with coverage for age-related health conditions, hospitalisation, and ongoing care.

Starting from
₹1,299/month
Senior-focused benefits
Coverage for age-related care
Annual health check-up options
Smooth claims assistance
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How Claim Process Works

Simple Steps for a Hassle-Free Claim

From hospital admission to final settlement, our guided process helps you handle claims quickly, smoothly, and with complete peace of mind.

01

Inform Us Immediately

Once hospitalisation is planned or happens in an emergency, notify the insurer or support team as early as possible.

02

Choose Network Hospital

Visit a cashless network hospital for smoother processing, or keep all bills and records ready for reimbursement claims.

03

Submit Documents

Share admission papers, treatment records, discharge summary, bills, and identity documents required for claim approval.

04

Claim Review & Settlement

After verification, the claim is settled directly with the hospital in cashless cases or reimbursed to you as per policy terms.

Start Your Claim Get Claim Assistance
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