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Health Insurance

Health Insurance — Sparrowmint Wealth Management Consultancy

Cover the treatment, not just the bill.

Sparrowmint compares individual, family and senior citizen health plans across India's leading insurers, then stays on for the part that matters most — helping you file and settle the claim.

No cost for the first conversation · Advice before product
100+Families guided
24×7Claim support
How it works

Four terms worth knowing before you buy

Health insurance is a simple trade once the vocabulary is clear: you pay a small, known amount regularly so you're not exposed to a large, unknown one later.

Premium

The fixed amount you pay monthly or annually to keep your policy active and your family covered.

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Deductible

The portion of a claim you pay yourself before the insurer's coverage begins for that policy year.

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Copay & coinsurance

Your share of a specific bill — a fixed fee for a consultation, or a percentage of a hospital charge.

Coverage

What's actually paid for: hospitalisation, surgery, consultations, medicines, and often dental or vision.

Plan types

Eight ways to structure your cover

Every household needs a different mix. We walk through each option against your family size, age and existing cover before recommending anything.

01Individual health plans+

A single policy built around one person's sum insured — straightforward, and easy to size precisely to their needs.

02Family floater plans+

One sum insured shared across the policyholder, spouse, and dependent children or parents. Any family member can claim up to the shared limit, which usually works out more cost-effective than separate policies.

03Critical illness plans+

Pays out the full sum insured on diagnosis of a covered major illness, as a lump sum you can direct toward treatment, income loss, or any other pressing cost.

04Top-up plans+

Extends an existing sum insured at a low added premium. A deductible applies per claim, and anything above it is paid — useful if your current cover feels just slightly short.

05Super top-up plans+

Works like a top-up, but the deductible applies to your total claims across the year rather than each claim individually — better protection if multiple smaller claims are likely.

06Senior citizen plans+

Designed for individuals aged 61 and above, with cover and premiums calibrated for that stage of life.

07Hospital cash plans+

Pays a fixed daily allowance for each day of hospitalisation, up to a set number of days — a cushion for incidental costs your main policy doesn't itemise.

08Disease-specific plans+

Indemnity or fixed-benefit cover built around named conditions — diabetes, cancer, cardiac care, dengue and similar — for households where one risk carries more weight than the rest.

Why Sparrowmint

What working with us actually looks like

Time saved upfront

One conversation gets you quotes across insurers, instead of separate calls with separate agents.

Side-by-side comparison

Premiums, exclusions and claim ratios laid out together, so the trade-offs are visible before you decide.

A genuine range of options

Access to plans across India's major insurers, not a shortlist limited to one company's products.

Support around the clock

Questions and claims don't wait for office hours. Neither does the team you're speaking with.

Cover that starts immediately

Policy documentation is issued promptly, with your data handled securely throughout.

An eye on better pricing

We flag applicable discounts and reviews at renewal, rather than leaving it for you to notice.

STEP 01

We listen

Family size, age, existing cover and budget — the conversation that shapes everything after it.

STEP 02

We compare

Shortlisted plans across insurers, weighed on premium, exclusions and claim experience.

STEP 03

You decide

A clear recommendation, not a pitch — the choice, and the reasoning behind it, stay with you.

STEP 04

We stay on

Through renewals, policy reviews, and claims — support doesn't end at the sale.

Ready to put a health plan behind your family?

The consultation is free — we'll map out your options before you commit to anything.


Partnered With

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