Claim Support
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✓Ombudsman escalation
✓₹2,40,000 recently settled
Protect your family's financial future
Medical Inflation is 14%.
Your Savings Won't Protect You.
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Transparent Advice
A
Plan ABest fit
₹12,400/yrB
Plan B
₹15,900/yrEnd-to-End Assistance
We stay hands-on from understanding your family's needs to getting your policy issued, and every step in between.
✓Understanding your family's needs
✓Help through the process
✓Policy issued
Talk to a real advisor
15+ years of insurance experience · IRDAI certified.
★★★★★2000+ families
What happens on the call
No sales pitch. Just clarity.
1
A free 30-min call
Talk to our IRDAI-certified advisors – real experts, not a call centre.
2
We compare 30+ insurers
We match the right cover to your family's needs and budget – no jargon.
3
An honest recommendation
Buy only if it's right for you. No pressure, no spam, ever.
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Medical Inflation Alert
Costs Rise 14% Every Year
While general inflation is 5–6%, medical costs double every 5 years. Here's what a ₹5L procedure costs over time:
| Year | Same Procedure Costs | Estimated Growth |
|---|---|---|
| 2025 | ₹5L | baseline |
| 2030 | ₹10L | 2x |
| 2035 | ₹20L | 4x |
| 2040 | ₹40L | 8x |
The cover that's enough today won't be in 10 years. We size your policy for the future, not just 2025.
Source: industry medical-inflation estimates.
Cost Breakdown
Real Hospital Bills
Actual claims data from Indian hospital networks (2025–2026).
| Disease | Tier 1 Cities (avg) | Tier 2 Cities (avg) | Tier 3 Cities (avg) |
|---|---|---|---|
| Heart Disease | ₹14–18L | ₹11–13L | ₹8–10L |
| Respiratory Disease | ₹22–28L | ₹17–20L | ₹12–15L |
| Kidney Disease | ₹13–17L | ₹10–12L | ₹7–9L |
| Diabetes (complications) | ₹17–22L | ₹13–16L | ₹10–12L |
| Cancer | ₹35–45L | ₹27–32L | ₹18–24L |
One hospitalisation can cost more than a year's savings. The right cover means you never pay it from your own pocket.
Quick Reference
How Much Cover Do You Need?
A simple starting point to help you decide. Our advisors will fine-tune this for your specific situation.
₹5 Lakhs
For Individuals
Young professionals or those just starting out. Basic coverage for common hospitalizations.
Most Popular
₹10 Lakhs
For Couples & Small Families
Growing families or couples planning ahead. Covers most treatments in Tier 2–3 cities.
₹25 Lakhs+
For Larger Families
Comprehensive protection for families. Covers major surgeries even in Tier 1 metro hospitals.
Strategic Approach
Myth vs Reality
"I have ₹10L in savings"
- If you spend ₹10L on one hospital bill, your savings evaporate completely in a few days.
- Medical costs rise 14% annually – next year your ₹10L covers much less treatment
- Savings should be kept for planned life goals, not for sudden unfortunate hospital bills.
Total risk: Your entire wealth
The Smart Alternative
- Buy a comprehensive personal health insurance cover
- Keep your ₹10L savings intact and growing for actual life goals
- If hospitalized, the insurance pays for the treatment; your wealth remains completely untouched.
Total peace: Guaranteed stability
Employment Risks
Corporate Coverage Limitations
Relying solely on company-provided insurance leaves you dangerously exposed to financial risk.
Disappears with your job
The day your ID card stops working — resignation, layoff, retirement — your coverage ends. There is no portability and no continuity.
Coverage not enough
Most corporate plans cap at ₹5 lakh, which doesn’t cover a serious hospitalisation in any tier-1 city.
Sub-limits & Co-pay
Aggressive room rent limits and disease sub-caps mean you end up paying heavily out of pocket.
Parents usually excluded
Most corporate plans no longer cover ageing parents, or charge a steep top-up for them.
Insurability risk later
If a chronic condition shows up while you’re on the corporate plan, you may struggle to buy a personal policy at acceptable terms.
Poor Claim Support
Employer’s TPA often de-prioritises complex or large claims; the insurer takes its cue from the corporate, not from you.
Worried a big hospital bill could wipe out your savings? Let's fix that in a free 30-minute call.
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Pricing Insight
The True Cost of
Neglecting Insurance
₹5–15L
Cost of ONE major hospitalization
Peace of mind
₹800/mo
Average premium
Real Stories
What Our Clients Say
"My parents’ health insurance was a maze I couldn’t navigate alone. NYVO made it simple – they understood my parents’ age, medical history and found the perfect plan."
Kritika Gattani
Founder, Opaque Studio
"I always found buying insurance overwhelming, but NYVO made it effortless. They guided me to the best Health and Term insurance for me and my family."
Tarun Daga
Chartered Accountant
"With a young family, getting health insurance right felt overwhelming. NYVO sat down with us, asked the right questions, and recommended a plan that covers everything."
Himanshu Mehta
Associate Director, JioStar
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