Insurance advisory

Protect what matters most, with plans you can trust.

Your trust · Our growth

Health, life, motor, travel, business and home insurance under one advisory relationship. We curate, secure and settle claims with concierge-grade coordination, matched to your goals and disclosed before you commit.

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IRDAI Guided Assist

12+ Top partners

Dedicated Claim Desk

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Live Trust Network

Secure your family's milestones

Custom floater and critical illness portfolios.

Policies Issued

450+

Satisfied Clients

700+

Insurer Partners

12 National

Max CSR Settled

97%+ CSR

Trusted Insurance underwriting Partners (IRDAI Registered)

LIC of India 99.1% CSR

HDFC Life 98.5% CSR

ICICI Lombard 97.2% CSR

SBI Life 98.8% CSR

Tata AIA 99.0% CSR

Star Health 94.3% CSR

Niva Bupa 96.5% CSR

Aditya Birla Health 95.1% CSR

Max Life 99.3% CSR

Bajaj Allianz 96.2% CSR

New India Assurance 94.8% CSR

Reliance General 93.9% CSR

Coverage options

Sixteen covers, one safety net.

Health Insurance

Cashless hospital cover for the whole family

Cover against rising medical inflation with a curated health plan that protects the family against hospitalisation, day-care procedures and pre-existing conditions.

Starting ₹349/month

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Term Life Insurance

Pure protection cover at affordable premiums

A pure protection plan that secures your family financially in your absence, at a cost that fits a working household budget.

Starting ₹490/month

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Endowment Life Plans

Guaranteed returns with life cover

A blended plan that combines guaranteed additions with a life cover, so long-term financial milestones stay safe and disciplined.

Starting ₹1,200/month

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Car Insurance

Comprehensive motor cover with zero-dep add-ons

Comprehensive damage cover, third-party liability and zero-depreciation add-ons that protect your car against accident, theft and natural calamity.

Starting ₹2,099/year

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Two Wheeler Insurance

Quick digital renewal for bikes and scooters

A two-minute digital policy for your bike or scooter, with comprehensive third-party and own-damage cover bundled in.

Starting ₹538/year

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Travel Insurance

Worry-free cover for domestic and international trips

A travel companion that covers emergency medical evacuation, baggage loss, trip delays and passport loss — for both domestic and international journeys.

Starting ₹29/day

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Business Insurance

Risk cover for SMEs, shops and corporates

A risk-management plan for small businesses, retail shops and corporations, covering liability, asset loss and business interruption in one modular policy.

Starting ₹899/month

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Property & Home Insurance

Cover for building, structure and contents

A plan that insures the home building, structure and interior contents against theft, fire, natural disaster and short-circuit damage.

Starting ₹99/month

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Marine Cargo Insurance

Transit cover for road, rail, air and ocean

Transit protection for your goods across local roads, rails, air or ocean voyages, with comprehensive open-cover or specific-voyage options.

Starting Based on invoice value

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Fire & Special Perils

Fire cover for warehouses, factories and offices

A specialised fire hazard plan for warehouses, factories and offices, compliant with the Standard Fire and Special Perils (SFSP) policy structure.

Starting ₹350/month

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Group Health Plans

Custom health plans for associations and groups

A customisable group health plan for associations, family networks and cooperative groups, with favourable pricing and zero waiting on pre-existing diseases.

Starting ₹199/member/month

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Employee Benefit Insurance

Group health and term cover for teams

A group health and group term cover for your team, with corporate wellness, mental health support and a dedicated claims advisor for HR.

Starting ₹220/member/month

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Child Education Plans

Secure your child's higher education goal

A plan that secures your child's future university education costs, even if any unforeseen event occurs, with staged payouts at each milestone.

Starting ₹1,500/month

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Retirement Plans

Guaranteed lifelong regular pension

A plan that secures a guaranteed lifelong regular pension with steady index-matching compounding, joint-life cover and survival income.

Starting ₹2,500/month

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ULIP (Investment + Cover)

Equity growth coupled with life cover

A plan that pairs potential equity-market returns with high life cover assurance, structured to be EEE tax-efficient and low-cost.

Starting ₹2,000/month

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Senior Citizen Health Cover

Friendly cover for parents aged 60 to 80

A health cover designed for parents aged 60 to 80 years, with custom co-payment terms, free annual health check-ups and accelerated pre-existing cover.

Starting ₹890/month

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Why it matters

Protection is not optional, it is essential.

In India, a single critical medical admission can deplete years of household savings. Insurance is the ultimate wealth shield — protecting your family, your assets and your peace of mind.

Family Financial Security

Secure your family's lifestyle, your children's education, and your household goals against life's uncertainties.

Tax Savings

Deductions under Section 80D for health premiums (up to ₹50,000) and Section 80C for life insurance (up to ₹1.5 Lakh).

Medical Inflation Protection

Rising healthcare costs make cashless health coverage essential. Safeguard your savings during medical emergencies.

Medical cost inflation

Indian healthcare cost trajectory

Average hospital admission (2018) ₹2.8 Lakh

Today (post inflation) ₹6.4 Lakh +128%

Note: Relying solely on employer-provided coverage is risky. In career transitions or layoffs, you and your family are left exposed. A personal health layer ensures continuous protection.

Compare plans

Side-by-side, total transparency.

Compare leading health plans across premium, claim ratio, network and add-ons.

Highlight best CSR

Parameter	H HDFC Ergo Optima Restore Health Optima Secure	C Care Supreme Pro Supreme Value Plus	N Niva Bupa ReAssure 2.0 ReAssure Comprehensive	A ACKO Platinum Health Unlimited Cashless Shield
Monthly Premium	₹558 / month indicative · tax benefit under 80D	₹479 / month indicative · tax benefit under 80D	₹512 / month indicative · tax benefit under 80D	₹399 / month indicative · tax benefit under 80D
Claim Settlement Ratio	98.5% Top CSR IRDAI audit · FY 2024-25	95.2% IRDAI audit · FY 2024-25	96.8% IRDAI audit · FY 2024-25	97.4% IRDAI audit · FY 2024-25
Cashless Hospitals	11,000+ across India Cashless TPA desks nationwide	9,500+ across India Cashless TPA desks nationwide	10,000+ across India Cashless TPA desks nationwide	7,000+ modern hospitals Cashless TPA desks nationwide
Pre-existing Wait	3 years pre-existing	4 years pre-existing	3 years pre-existing	2 years pre-existing
Key Features	No room rent restriction 100% restoration of sum insured immediately In-hospital non-medical expenses included	5X No Claim Bonus accumulation OPD consultation refund support Unlimited automatic recharge of sum	Carry forward unused sum insured to next year Lock-in premium rate till first claim Zero copay option across age groups	Zero copayment entirely Pre and post hospitalisation up to 120 days Zero paperwork, fully digitised claims
Available Add-ons	Critical Illness RiderMaternity Cover OptionNo Claim Bonus Booster	OPD Care RiderGlobal Cover AdvantageReduction in PED waiting to 2 years	Hospital Cash BenefitSafeguard (non-payable items)Personal Accident Plus	Room Rent Upgrade BenefitTeleconsultation PlusConsumables cover pack
*Unbiased advisory support. No additional charge for our service.	Compare & quote	Compare & quote	Compare & quote	Compare & quote

HDFC Ergo Optima Restore

Health Optima Secure

Top CSR

Premium: ₹558 / month

CSR: 98.5%

Network: 11,000+ across India

Wait period: 3 years pre-existing

No room rent restriction
100% restoration of sum insured immediately

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Care Supreme Pro

Supreme Value Plus

Premium: ₹479 / month

CSR: 95.2%

Network: 9,500+ across India

Wait period: 4 years pre-existing

5X No Claim Bonus accumulation
OPD consultation refund support

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Niva Bupa ReAssure 2.0

ReAssure Comprehensive

Premium: ₹512 / month

CSR: 96.8%

Network: 10,000+ across India

Wait period: 3 years pre-existing

Carry forward unused sum insured to next year
Lock-in premium rate till first claim

Compare & quote

ACKO Platinum Health

Unlimited Cashless Shield

Premium: ₹399 / month

CSR: 97.4%

Network: 7,000+ modern hospitals

Wait period: 2 years pre-existing

Zero copayment entirely
Pre and post hospitalisation up to 120 days

Compare & quote

Premium & SIP tools

Know your premium, before you buy.

Slide the parameters to project an indicative premium or SIP outcome in real time — no math degree required.

Health Cover Calculator

Tax Saving · Sec 80D

Proposer age 30 years

18 yrs45 yrs70 yrs

Desired sum insured

Cover for

Estimated monthly premium

₹250/mo

Save ~₹900/yr under Section 80D

Recommended tier:₹10 Lakh

Cashless network:8,500+ local

Instant advisory call

Claims assistance

From admission to final settlement.

Admit Notification

Notify us within 24 hours of hospital admission. We coordinate directly with the TPA desk for cashless approvals.

Document Verification

We help compile medical reports, diagnostic sheets and estimate letters for a smooth claim submission.

Advisory Call

A quick call to the arthsaathi claims desk — our concierge-grade coordinators resolve hospital desk queries on your behalf.

Cashless Settlement

The insurer processes billing directly with the hospital. You walk out stress-free — we handle the rest.

24/7 cashless care line

Stuck at the hospital TPA admissions desk right now?

Our designated claims coordinator works directly with leading TPAs for zero-delay clearance.

Instant advisor hotline

+91 95637 20942

Client stories

Built on reliability, backed by results.

"During my mother's bypass surgery, the arthsaathi team coordinated directly with the insurer's TPA desk. The ₹6.8 Lakh claim was settled cashless before we even left the hospital. That kind of claims support is the reason we keep the family policy with them."

Verified Cashless hospitalisation — settled under 3 hours of discharge

Preeti Iyer

Kolkata·Health Insurance (Family Floater)

"I was confused between half a dozen term plans. They showed me a side-by-side comparison, walked me through the fine print, and helped me pick a cover that costs less than my monthly phone bill. The advisory was genuinely unbiased — no upsell, no pressure."

Verified Policy issuance — fast, paperless and zero follow-up calls

Kiran Chandra

Kharagpur·Term Life Cover (₹1.5 Cr sum insured)

"Our family health plan was expiring and we had no idea about porting options. They walked us through the entire process, saved us 18% on the premium and improved our coverage. We have trusted them for over 7 years now."

Verified Health plan porting — completed without a single gap in cover

Dev Kohli

Medinipur·Business Insurance (Shop + Stock)

Frequently asked questions

Common questions, clear answers.

Which insurance is best for my family?

A comprehensive health insurance plan with a sum insured of at least ₹10 Lakh, no room rent capping, and a restore benefit is a strong starting point. For the primary earner, a term life cover equal to 10 to 15 times their annual income secures the family against long-term financial dependence.

What is the Claim Settlement Ratio (CSR) and why does it matter?

The Claim Settlement Ratio is the percentage of claims an insurer has paid out against the total claims received in a financial year. An insurer with a CSR above 97% is generally considered highly trustworthy. We partner with Indian insurers who consistently report 97%+ CSR.

How much life insurance cover should I take?

Your term insurance sum insured should ideally be 10 to 15 times your current annual income. Add any outstanding loans (home loan, car loan, business debt) to the calculation so your family is unaffected in your absence.

Is cashless treatment available immediately, and how do I access it?

Yes — cashless treatment is available across 12,000+ network hospitals in India. During an emergency, present your cashless card at the TPA desk within 24 hours of admission. For planned surgeries, coordinate at least 48 hours in advance for zero-delay approvals.

What is a waiting period in health insurance?

A waiting period is the duration during which specific diseases or pre-existing conditions are not covered. Most policies have: 30 days initial (except accidents), 2 years for specific ailments like cataract or hernia, and 3 to 4 years for pre-existing diseases like diabetes or blood pressure. Some modern plans offer waiting-period reduction riders of 1 to 2 years.

Can senior citizens apply for health and life plans?

Yes. We work with senior citizen health policies designed for parents aged 60 to 80 years, with custom co-payment terms, home check-ups, no pre-medical test constraints under specific terms, and pre-existing medical condition cover.

How does the claim process work end to end?

Contact us immediately in the event of a claim. We help compile medical reports, diagnostic sheets and estimate letters, submit the claim to the insurer, track progress and follow up until settlement. Most health insurance claims are settled within 7 to 15 days of submission.

Is it better to buy insurance online or through an advisor?

Buying online may seem cheaper, but an advisor helps identify coverage gaps you might miss, handles claim documentation and ensures you are not underinsured. With arthsaathi, you pay the same premium as buying directly — our advisory service comes at no additional cost to you.

Get started

Take a step toward a financially secure future.

Call us at +91 95637 20942 or reach out below — every enquiry is answered within one business day.

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