Optima Select
HDFC Ergo
- Coverage starting
- ₹5 lakh
- Premium starting
- ₹524/month*
Health Insurance
Protect the people you love with the right health cover.
A wide range of plans across every major insurer, matched to your family and your budget — with the fine print read before you sign, not after a claim.
- Individual plans
- Family floater plans
- Senior citizen plans
- Critical illness cover
- Personal accident plans
Plans we recommend often
Multiple brands. One honest shortlist.
A starting point, not a prescription — always matched to your family before anything is bought.
ReAssure 3.0 Elite
Niva Bupa
- Coverage starting
- ₹5 lakh
- Premium starting
- ₹498/month*
Activ One Max
Aditya Birla
- Coverage starting
- ₹5 lakh
- Premium starting
- ₹490/month*
*Indicative premiums. Yours depends on age, city and health profile — we’ll quote it in minutes, free.
5 mistakes people make while buyingWaiting periods, explained
Get a free quote today and find the right plan for your family's healthcare needs.
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Why Conflux
Why families choose Conflux for health cover
A person, not an algorithm
Your family, history and budget discussed on a call — not run through a match score.
Every major insurer
We compare across brands and tell you honestly which plan fits — and which doesn't.
10,000+ cashless hospitals
We confirm your actual neighbourhood hospital is on the list before you buy.
500+ claims assisted
We stay on for renewals and claims — the part that matters after the paperwork.
Real scenarios
Real families. Real decisions.
Anonymised, but the kind of conversation we have every week — and where it landed.
Couple in their early 30s, first policy
- Both salaried, covered only through employers
- Planning a family in 2–3 years
We recommended: ₹10 lakh family floater with maternity rider
Why this fits
- Maternity waiting period starts now, not when they need it
- Own cover survives every job switch
Parents + one child, upgrading old cover
- ₹3 lakh policy bought in 2015, never revised
- Worried about room-rent deductions
We recommended: ₹15 lakh floater, no room-rent cap, restore benefit
Why this fits
- Old sum insured wouldn't survive one metro hospitalisation
- Waiting-period credit carried over by porting correctly
Son insuring parents, both over 60
- Father has controlled diabetes
- Wants cashless at their usual hospital
We recommended: Separate senior-citizen plans with Day-1 PED option
Why this fits
- Individual covers stop one parent's claim shrinking the other's
- Their neighbourhood hospital confirmed on the network first
Points to note
Before & after buying health insurance
The checks that decide whether a claim gets paid — worth five minutes now.
Before buying
Disclose everything — medical history, smoking, drinking. Full disclosure now beats a rejected claim later.
Get the sum insured right: at least ₹10 lakh per adult; ₹15–25 lakh if you're in a metro.
Know your waiting periods — 30 days initially, 1–2 years for specific procedures, up to 4 for pre-existing diseases.
Check for room rent caps, co-pay and sub-limits — the three clauses that quietly shrink a payout.
Confirm coverage you'll actually use: OPD, maternity, day-care procedures.
Make sure your neighbourhood hospital is on the cashless network list.
Check the insurer, not just the plan — claim settlement ratio above 95% is a good sign.
After buying
Verify the policy document: name, phone, email, address and plan details — errors surface at claim time.
Check that your pre-existing diseases are actually mentioned in the policy document.
Porting from another insurer? The inception date should be of the ported policy, so your waiting-period credit carries over.
Use the 15–30 day free-look period to re-read everything — you can still cancel for a full refund.
Never miss a renewal past the grace period — a lapse restarts every waiting period from zero.
What clients say
Rated 4.9★ on Google by 150+ families
“I had a really wonderful experience with Sankalp Sengar sir from Conflux IMF LLP while choosing health insurance for my family.”
Mayank JhaGoogle review “I recently got my term insurance done through Conflux Limited, and I'm really happy with the experience. Sankalp ji and Krishna ji were extremely helpful throughout the entire process.”
pruthu chandanGoogle review “I had an excellent experience with the Beshak advisory team from Conflux, especially Amit and Krishna from Sankalp's team.”
Mohan GrandhiGoogle review “I had a very smooth experience with Conflux IMF LLP for my health insurance claim settlement. The entire process was handled efficiently and both pre and post hospitalization claims were approved completely without any hassle.”
Nehali SurveGoogle review “What truly stood out was his transparency, patience, and the genuine effort he put into understanding our pre-existing conditions (PEDs) in detail.”
Shawn SunnyGoogle review “Honest and detailed guidance given on all questions I had about taking life insurance. The best part is that the initial call is free, they provide you with all the details and then do not constantly call you and pressure you into purchasing a policy.”
aditya nairGoogle review “Working with Animesh and Rahul was a very smooth and reassuring experience. They patiently explained all the family floater policy options, clarified the coverage details, and helped me choose a plan that perfectly suited my family’s needs and budget.”
sumit ranjanGoogle review “From understanding my requirements, choosing the right insurer to support on any claims, they have been thorough and very good. Sankalp and team were patient with all my queries across all stages.”
Aditya KGoogle review “The team was never pushy at all and never forced me to pick a particular health insurance policy. It made the whole process comfortable.”
Samir DeshmukhGoogle review “Special thanks to Animesh for his constant support and quick response throughout the process. He was very helpful, professional, and ensured everything was handled efficiently.”
Sravani ReddyGoogle review
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