Health Insurance
Health insurance helps protect savings against eligible medical and hospitalisation expenses. Novo helps individuals and families understand plan structures, limits and how different layers of cover can work together.
Protection for medical costsBuild health protection in layers, not in isolation.
A base health plan, family floater, critical illness cover and super top-up each solve a different problem. The right structure depends on your family, existing employer cover, budget and risk preference.
Hospitalisation protection
Cover for eligible inpatient treatment and related medical expenses, subject to policy terms.
Family structures
Individual or family floater arrangements depending on who needs to be covered.
Critical illness support
Benefit-based cover for specified serious illnesses can complement indemnity health insurance.
Top-up layers
Top-up and super top-up plans can add higher protection above a selected deductible.
Choose the role each plan should play.
Different health products address different types of financial exposure.
Individual Health Cover
Separate sum insured and underwriting for an individual member.
Family Floater
A shared sum insured used by covered family members.
Critical Illness
A defined benefit on diagnosis of specified illnesses, subject to policy wording.
Super Top-Up
Additional annual coverage above a selected aggregate deductible.
Senior Citizen Cover
Health insurance designed around older age groups and related underwriting needs.
Group Health
Employer-sponsored medical cover for employees and eligible dependants.
Look beyond the headline sum insured.
The practical value of a health plan depends on more than the premium.
Waiting periods
Review waiting periods for pre-existing diseases, specific treatments and maternity where relevant.
Room eligibility
Understand room rent or category limits and how they may affect admissible claims.
Co-pay & deductibles
Know what portion you may need to bear before or alongside insurer payment.
Network access
Consider hospital network, cashless availability and service process.
Sub-limits
Check treatment-specific limits, consumables or other restricted expense categories.
Renewability & age
Review entry age, lifetime renewability and how family changes are handled.
Understand the protection before you commit.
Insurance decisions are easier when the purpose, trade-offs, exclusions, terms and servicing process are clear.
Requirement
Clarify who or what needs protection and what cover is already in place.
Options
Identify relevant policy structures and insurer options worth comparing.
Terms
Focus on limits, exclusions, deductibles, waiting periods and policy wording.
Support
Stay connected for servicing and claims-related coordination after placement.
Discuss your health insurance needs
Tell us who needs cover, any existing policy or employer cover, and the kind of protection you are considering.
Discuss your health insurance needs
Share a few details and the relevant Novo team will contact you.