Health Insurance · Joshi Investment

An Economic Shield For Your Family's Health

Health insurance is not just a safety net for medical emergencies — it is an economic shield that protects you and your family, enabling access to quality healthcare without touching your savings.

Cashless Treatment 0% GST On All Plans PED Cover Critical Illness Coverage

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Indian family protected under a glowing health insurance shield

Now Live

0% GST On Premiums

Cashless Healthcare Providers

0 Lakh+

Insurance Claims Settled

0×7

Claim & Customer Support

Healthcare protection concept with stethoscope and family

Safeguards Your
Savings

The Basics

What Is Health Insurance?

Health insurance is a contractual agreement between you and an insurance company, where the insurer covers your medical expenses in exchange for a premium. It safeguards your savings during medical emergencies or planned treatment.

A comprehensive policy covers much more than just the hospital bill — everything below is taken care of:

Surgeries Hospitalisation Day-Care Procedures Pre & Post-Hospitalisation Ambulance Charges ICU Charges

Good News · 2025

Get Health Insurance With No GST Now!

Starting 22 September 2025, GST is no longer applied to health insurance premiums — instantly lowering your premium cost by 18%, the previous GST rate on these plans.

For The Insured

Premiums become more affordable, lowering the overall cost of protecting your family.

For Insurance Companies

Streamlined billing and more families covered, thanks to lower effective premiums.

Before · 22 Sept 2025

Base Premium₹10,000

GST @ 18%+ ₹1,800

Total You Paid₹11,800

YOU SAVE ₹1,800 Now · 0% GST

Base Premium₹10,000

GST @ 0%+ ₹0

Total You Pay₹10,000

Illustrative example — the 18% saving applies to every new & renewal premium.

Choose Your Cover

Types Of Health Insurance Policies

Healthcare expenses in India rise every year — a policy is a need, not a preference. Here are the main types, so you can find the one that fits your family best.

Individual Health Insurance

Covers a single individual against clinical expenses — your own independent sum insured.

Perfect for young professionals

Family Floater Health Insurance

Covers your entire family under one sum insured — any member can use it during hospitalisation.

Perfect for growing families

Maternity Health Insurance

Covers childbirth expenses, prenatal & postnatal care, plus complete newborn baby cover.

Perfect for couples planning pregnancy

Senior Citizen Health Insurance

Designed for age 60+, with enhanced cover for age-related conditions, annual check-ups & no-claim bonuses.

Perfect for parents & elders 60+

Critical Illness Insurance

Specialised lump-sum payout on diagnosis of serious illnesses such as cancer, stroke or heart disease.

Perfect for added financial security

Top-up & Super Top-up

Boosts your sum insured at an affordable premium — super top-up protects across multiple claims.

Perfect for inflating medical costs