Health Insurance - Finora Financial Solutions

Complete Medical Security with Zero Room Sub-Limits and 24/7 Claim Concierge

10,000+ Cashless Hospitals

Tax Deductions Up to ₹75,000 Sec 80D

Why Finora Advisory

Complete Medical Security with Zero Room Sub-Limits and 24/7 Claim Concierge

A single medical hospitalization can wipe out years of disciplined savings. Finora helps you navigate fine print, waiting periods, and room rent caps to structure healthcare protection with instant cashless approvals at top hospitals across India.

Zero Room Rent Restrictions

Admit into private single rooms or deluxe suites without proportionate deduction penalties.

Automatic Sum Insured Restoration

100% refill of your policy cover for unrelated hospitalizations within the same year.

Pre & Post Hospitalization

Covers diagnostic tests, scans, and medications 60 days prior and up to 180 days post discharge.

24/7 Hospital Claim Concierge

Our desk directly contacts the TPA to ensure cashless authorization within 60 minutes.

Portfolio & Offerings

Tailored Solutions Under Health Insurance

Explore curated policies customized to your exact family lifecycles, health risks, and asset profiles, backed by 18 premier insurers and rapid claims settlement.

Complete Family Shield

Family Floater Health Insurance

One umbrella policy covering self, spouse, and children with shared high sum insured and maternity benefits.

Covers up to 2 adults + 4 children
Restoration of sum insured on exhaustion
Daycare treatments and AYUSH hospitalization included

Zero Room Rent Capping Apply Now

Ages 60 and Above

Senior Citizen Health Insurance

Specialized healthcare coverage for elderly parents with reduced pre-existing disease waiting periods and home nursing care.

OPD and annual master health checkups included
Reduced waiting periods for diabetes & hypertension
Organ donor and ambulance coverage

Reduced Waiting Period Apply Now

High Value ₹1 Crore Cover

Super Top-Up Health Shield

Dramatically expand your existing employer or basic policy to ₹50L or ₹1 Crore cover at a fraction of standard premiums.

₹1 Crore health shield starting from ₹4,500/year
Applies over deductible threshold
Zero copayment across network hospitals

High Cover, Low Premium Apply Now

Seamless Workflow

How We Deliver Results

A structured progression from human life value assessment to digital policy issuance and lifetime claim concierge.

Step 01

Healthcare Risk Evaluation

Evaluating family medical history, network hospital proximity, and coverage needs.

Health Audit

Step 02

Policy Comparison

Comparing exclusions, pre-existing disease waiting periods, and restore features.

Network Comparison

Step 03

Instant Proposal Issuance

Paperless online medical declaration with instant policy PDF generation.

Instant Digital Policy

Step 04

Lifetime Claims Concierge

Dedicated 24/7 hospital liaison for cashless pre-authorization and discharge.

Cashless Concierge

100% Confidential Rapid Issuance

Need Policy Guidance?

Our certified specialists evaluate your risk profile.

Audit Risk

Standard Checklist

Required Documentation

Digital Verification Available

Government Photo ID Proof (Aadhaar Card, Passport, or PAN)
Recent Passport Size Photographs of all insured family members
Past Medical Treatment Records & Discharge Summaries (If declaring past ailments)
Proof of Existing Health Insurance (In case of porting policy with bonus retention)
Bank Account Details for direct claim settlement payouts

Underwriting guidelines vary depending on age, sum assured, medical history, and insurer policy norms.

Got Questions?

Frequently Asked Questions

Policies with room rent caps (e.g., 1% of sum insured) trigger "proportionate deduction," forcing you to pay a high percentage of doctor fees, surgery costs, and ICU charges from your own pocket. Finora exclusively recommends zero room rent cap plans.

Standard retail policies standardly carry a 24 to 36 month waiting period for declared pre-existing diseases. However, we have partner insurers offering waiting-period reduction riders down to 1 year.

You notify our Claim Concierge desk upon admission. We coordinate directly with the hospital TPA desk, verify all billing documentation, and expedite cashless pre-authorization within 60 minutes.

You can claim up to ₹25,000 for self, spouse, and children, plus an additional ₹25,000 (or ₹50,000 if senior citizens) for parents, allowing total annual tax deductions up to ₹75,000 to ₹1,00,000.

Protect Your Savings Against Medical Emergencies with 10,000+ Cashless Hospitals