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Health Insurance

Medical costs shouldn't derail your savings. We help you choose individual or family floater health cover that actually works when you need it.

Overview

A single hospitalisation can undo years of careful saving. Health insurance protects your financial plan from that risk โ€” but only if the policy has adequate cover, the right hospital network, and terms that don't surprise you at claim time.

We compare plans across insurers on sum insured, waiting periods, room rent limits, and claim settlement track record, rather than just the lowest premium on offer.

Key Benefits

Why It Belongs In Your Plan

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Family Floater Options

A single policy covering your entire family, often more cost-effective than individual policies for each member.

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Cashless Network

We check hospital network coverage in and around Lucknow before recommending a plan.

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No-Claim Bonus

Understand how your sum insured can grow over claim-free years without extra premium.

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Senior Citizen Cover

Plans designed for older parents, accounting for pre-existing condition waiting periods.

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OPD & Add-on Riders

Optional riders for OPD, maternity or critical illness cover where relevant to your family's needs.

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Claims Support

We assist with claim documentation and coordination with the insurer when you actually need to use the policy.

How We Help You

01
Adequate Sum Insured We help you avoid the common trap of being under-insured relative to actual hospitalisation costs today.
02
Fine-Print Review Room rent capping, co-pay clauses and sub-limits are explained upfront, not discovered during a claim.
03
Family-Wide View We look at your whole family's health cover together, not policy by policy in isolation.

"When my father was hospitalised, the cashless claim AD Investments had set up for us made an already stressful time so much easier."

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Anjali Pandey
Software Engineer, Lucknow
Common Questions

Frequently Asked

What is a waiting period?
Most health policies have an initial waiting period (commonly 30 days, except accidents) before claims are admissible, plus longer waiting periods for specific illnesses and pre-existing conditions โ€” these vary by insurer and plan.
Is a family floater better than individual policies?
A family floater shares one sum insured across all members and is often cheaper, but if one member claims heavily in a year, less cover may remain for others โ€” the right choice depends on your family's health profile.
Does health insurance cover pre-existing diseases?
Most policies cover pre-existing diseases only after a specified waiting period (commonly 2โ€“4 years), which varies by insurer and plan.
Can I port my existing health policy to a new insurer?
Yes, IRDAI guidelines allow policy portability, letting you switch insurers while carrying forward accrued waiting period credit, subject to the process and timelines defined by regulation.

Book a Free Health Insurance

Talk to us for free. No commitments. We'll review your financial situation and show you exactly how to move forward โ€” step by step.

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Call Us +91 73790 08786
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WhatsApp Message us anytime
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Location Lucknow, Uttar Pradesh

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Disclaimer โ€” Insurance is the subject matter of solicitation. Please read the policy wording, prospectus, terms, conditions and exclusions carefully before concluding a sale. AD Investments acts as a referral / facilitator and is not an insurance company; final underwriting, pricing and claim decisions rest solely with the respective insurer.