Vida Masters
Health Insurance

Cover that thinks ahead, from regular check-ups to disease-specific plans.

From a young family's first floater policy to specialised cancer or cardiac care, we place health cover across India's leading insurers, with Star Health at the heart of the practice.

Star HealthHDFC ErgoICICI LombardBajaj Allianz
01

Individual Health Insurance

Standalone health cover for a single person. Pays for hospitalisation, day-care procedures, and pre/post-hospitalisation costs. Sum insured options from ₹3 lakh to ₹1 crore.

Ideal for

Salaried professionals and single earners under 45.

Key features

  • Cashless treatment at 10,000+ network hospitals
  • Pre-hospitalisation (60 days) and post-hospitalisation (90 days) cover
  • No-claim bonus increases sum insured each renewal-free year
  • Tax benefit under Section 80D
02

Family Floater

One policy, one premium, shared cover across spouse, children, and optionally parents. Cost-effective for young families where no one expects major claims simultaneously.

Ideal for

Young families with 2-5 members and broadly healthy parents.

Key features

  • Single sum insured shared across all family members
  • Lower premium per person than buying individual policies
  • Add or remove members at renewal
  • Newborns covered from day one (most plans)
03

Senior Citizen Health Insurance

Dedicated plans for ages 60+, with shorter waiting periods for pre-existing conditions and built-in features like domiciliary hospitalisation and AYUSH treatment.

Ideal for

Parents and grandparents over 60, especially if no group cover exists.

Key features

  • Entry age up to 75-80 years, depending on insurer
  • Lower pre-existing disease waiting period (1-2 years vs typical 3-4)
  • Co-payment options to keep premiums affordable
  • Domiciliary hospitalisation and home care covered
04

Top-Up & Super Top-Up

Boost an existing health policy's sum insured at a fraction of the standalone premium. Top-up triggers per claim above a deductible; super top-up triggers on cumulative annual claims.

Ideal for

Anyone with a base policy who wants higher cover without doubling premium.

Key features

  • Significantly cheaper than upgrading your base sum insured
  • Super top-up aggregates claims across the year
  • Useful alongside corporate group cover
  • Sum insured options up to ₹95 lakh+
05

Cardiac Care Plan

Disease-specific cover for those with existing heart conditions or strong family history. Covers angioplasty, bypass surgery, valve replacement, and ongoing cardiac care.

Ideal for

Individuals with diagnosed heart conditions or hereditary cardiac risk.

Key features

  • Covers post-cardiac-event patients with prior approval
  • Includes diagnostics, drugs, and follow-up consultations
  • Lower waiting period for cardiac procedures
  • Lifetime renewability
06

Diabetes Safe Plan

Tailored for diagnosed type 1 or type 2 diabetics. Covers diabetes-related complications and routine hospitalisation, with day-one cover for diabetes itself in many plans.

Ideal for

Type 1 or type 2 diabetics declined by standard health plans.

Key features

  • Day-one cover for diabetes and complications (most plans)
  • Annual health check-ups included
  • Covers insulin and diabetes-related drugs in-hospital
  • Renewable lifelong
07

Cancer Care Plan

Defined-benefit and indemnity plans for cancer patients and high-risk individuals. Pays lump sum on diagnosis (defined-benefit) or covers actual treatment cost (indemnity).

Ideal for

Those with family history of cancer or wanting dedicated cancer cover.

Key features

  • Lump-sum payout on cancer diagnosis (defined-benefit plans)
  • Covers chemotherapy, radiotherapy, surgery, targeted therapy
  • Premium waiver after first diagnosis (most plans)
  • International treatment options on select plans
08

Personal Accident

Cover for accidental death, permanent disability, and temporary total disability. Pays lump sums or weekly compensation regardless of any hospitalisation policy.

Ideal for

Anyone, especially commuters, two-wheeler users, and self-employed earners.

Key features

  • Lump sum on accidental death (typically 100% of sum insured)
  • Partial and total disability cover
  • Weekly compensation for temporary disability
  • Affordable premiums (often ₹1,000-3,000 per year)
09

Travel Insurance

Single-trip and multi-trip plans for domestic and international travel. Covers medical emergencies abroad, trip cancellation, baggage loss, and passport replacement.

Ideal for

Leisure and business travellers, students, and Schengen visa applicants.

Key features

  • Emergency medical cover up to $500,000 abroad
  • Trip cancellation and interruption cover
  • Lost or delayed baggage compensation
  • Schengen-compliant cover for European travel
10

Group Health Insurance

Employer-sponsored cover for staff and their dependents. Often cheaper per head than individual plans, with simpler underwriting and no waiting periods.

Ideal for

MSMEs, startups, and growing teams wanting to offer health benefits.

Key features

  • Cover from 7 employees upwards (varies by insurer)
  • Pre-existing diseases covered from day one (most plans)
  • Maternity benefit add-on available
  • Wellness programs and on-site health camps

Not sure which plan?

Let's shortlist the right health cover for you.

A 20-minute conversation with our team is usually enough to narrow down two or three plans worth comparing. No obligation, no pressure.

Talk to our team