Either Buy the Right Health Insurance
or Don't Buy any at all

Because a weak or half-baked plan is no protection at all. At NYVO, we don't sell you “any” policy — we help you find the right one. Your family's health isn't a bet. It's a responsibility.

Let's Be Honest

We're not here to bore you with why health insurance is important. It is important — and you already know that.

Here are 10 solid reads from India's most trusted sources that explain why health insurance is a need of the hour — not a luxury.

At NYVO, our focus isn't to remind you why health insurance matters — it's to ensure you buy the right one that truly protects your family when it counts.

Health Insurance Buying Checklist

Before choosing a health insurance plan, evaluate both insurer-related and policy-related aspects carefully. This ensures you get reliable protection that actually works when needed.

Hospital Network

  • Choose insurers with wide cashless networks in your city.
  • Strong network quality prevents claim delays and reduces out-of-pocket payments.

Claim Settlement Ratio

  • % of claims approved by the insurer.
  • Prefer a 3-year average around 95% for consistency.

Complaint Ratio per 10,000 Claims

  • Number of complaints raised per 10,000 claims.
  • 20+ is a red flag — indicates poor service or disputes.

Must-Have Policy Features

No Copayment

  • Avoid policies that make you pay 10-30% of every claim.
  • Choose 0% copay unless mandatory due to age/health.

No Room Rent Restrictions

  • Room rent caps trigger proportionate deductions.
  • Prefer no room rent limit or a single private room.

Disease Sub-Limits

  • Sub-limits reduce your usable cover.
  • Choose policies with no major disease-wise sub-limits.

Pre & Post-Hospitalization Cover

  • Covers tests, consultations, and medicines before/after hospitalization.
  • Minimum: 60 days pre + 120 days post.

Restoration Benefit

  • Restores full sum insured after a claim.
  • Prefer 100%+ restoration for related & unrelated illnesses.

Good-to-Have Features

Coverage for Daycare Treatments

  • Many treatments take <24 hours today.
  • Ensure the plan covers all modern daycare procedures.

No-Claim Bonus (NCB)

  • Coverage increases every claim-free year.
  • Prefer NCB that grows 50-100%.
Ensure NCB doesn't drop drastically after one claim.

Free Annual Health Check-ups

  • Supports preventive care.
  • Prefer full-body checkups annually.

Coverage for Consumables

  • Covers gloves, syringes, PPE kits, bandages.
  • These form 5-10% of hospital bills.

Domiciliary Treatment

  • Covers treatment at home.
  • Includes nursing, equipment, and medical costs.