We must explain to you how all seds this mistakens idea denouncing pleasures and praising account.
A health insurance plan is a contract where an insurance company agrees to pay your medical bills in case of illness, injury, hospitalization, or surgery. In return, you pay a small yearly premium. That’s the simple part.
But choosing the right health insurance plan? That’s where most people make mistakes.
There are dozens of plans in the market. Some cover only hospitalization, some also offer OPD, maternity, critical illness, or even annual health checkups. Some charge hidden co-payments. Others have low claim approval rates. Most people either buy the cheapest one or go with whatever their agent suggests, and they regret it later during an emergency.
At CallMyCA, our mission is simple — to help you understand what you’re buying and to match you with a health insurance plan that covers what matters to you, at every life stage. Whether you are single, married, have parents, children, or pre-existing conditions, we guide you personally with zero bias.
We make it simple, honest, and human.
Plans with low co-pay, no hidden clauses, and smooth cashless approval.
We help you choose a plan with an adequate sum insured and room rent limits.
Young professional? Planning a baby? Elderly parents? We match the plan accordingly.
Extend your coverage smartly without paying a huge premium.
We help you plan early and choose policies with the right waiting period.
If a medical emergency happens, we’re there to help with documentation and claim processing.
We ensure your preferred hospitals are part of your insurer's network.
Health needs change — we check your plan every year and advise if you need to upgrade.
Dedication under Section 80D of Income Tax — up to Rs. 75,000 depending on your family structure.
Minimum coverage should be Rs. 5–10 lakh per person in metro cities, due to rising hospitalization costs. For a family floater, start with Rs. 10–15 lakh. You can also take a Rs. 5L base policy and add a Rs. 20L top-up for affordability.
If you’re single or a couple, a floater policy covering both is more cost-effective. But if family members are older (60+), it's safer to take separate individual policies due to higher risk and usage.
Yes, but usually after a waiting period of 2 to 4 years. Some insurers now offer shorter waiting periods. We help you choose a plan based on your medical history so you don’t get caught off guard.
Most standard plans don’t cover OPD or dental. However, some modern plans do offer limited OPD, mental health, or dental consultation benefits. We’ll help you choose if you specifically want these extras.
Yes! Many policies limit the type of hospital room you can use. A policy with a 1% sum insured cap on room rent can create huge out-of-pocket expenses. We guide you to plans with no room rent capping.
These are hospitals that tie up with your insurer to provide cashless admission and treatment. No need to pay first and claim later. We check your city’s best hospitals and ensure they’re covered.
Co-pay means you bear a part of the cost (e.g., 20% of every bill). Sub-limits are caps on room rent, surgery type, or disease treatment. We help you avoid policies with harsh co-pays and sub-limits.
Yes! Under Section 80D:
Some plans offer maternity coverage after 2–4 years of continuous premiums. Covers delivery + newborn expenses. We help young couples plan with the right timing.
IRDAI allows portability of health insurance. If you're unhappy with your insurer or benefits, we help you port to a better one, while protecting your existing benefits and waiting periods.
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