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.
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.
Deductible
The portion of a claim you pay yourself before the insurer's coverage begins for that policy year.
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.
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.
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.
We listen
Family size, age, existing cover and budget — the conversation that shapes everything after it.
We compare
Shortlisted plans across insurers, weighed on premium, exclusions and claim experience.
You decide
A clear recommendation, not a pitch — the choice, and the reasoning behind it, stay with you.
We stay on
Through renewals, policy reviews, and claims — support doesn't end at the sale.