Hospital Network
Find out which hospitals are included in the insurer’s network and any applicable terms.
HEALTH INSURANCE
Health Cover Without The Confusion
The policy details matter. Understand the conditions that can affect your family’s care and claim experience.
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WHAT WE HELP YOU REVIEW
Look Beyond The Premium
Waiting Periods
Understand initial, condition-specific and pre-existing disease waiting periods.
Limits & Co-payments
Review room category limits, co-pay requirements, exclusions and sub-limits.
Renewal & Continuity
Understand renewal timelines, continuity benefits, and when portability may apply.
Cashless vs. Reimbursement
Know the differences in documentation, authorisation and claim settlement process.
Individual or Family Floater
Explore how sum insured and sharing across covered members can work.
Insurance shouldn't feel like fine print.
Choosing a health policy can be overwhelming. A feature that looks generous in an advertisement may still come with important terms and restrictions.
Healfino helps you ask more useful questions before purchasing, renewing or considering a change of cover.
Claims and cashless authorisation depend on the insurer and policy terms.