Easier to understand
The exclusions read out loud, in plain language, before you sign anything, not after a claim is cut.
Free 30-minute review · No obligation
Health cover you actually understand, before you have to claim it.
Whether you need a new policy or want to know if your current one is enough, we'll help you make the right decision.
- Licensed IRDAI broker partner
- Costs you nothing
- No spam, ever
We compare across
Why Nauf exists
Why I started Nauf.
Save your photo as
assets/chahal-verma.jpg. It's already wired up and will appear here
Chahal Verma
Founder, Nauf Insurance
Most people don't think about health insurance until they need it. Unfortunately, that's usually the moment they discover the policy they bought isn't the protection they thought it was.
For me, this became deeply personal.
I live with a chronic autoimmune disease. This year alone I've spent over ₹20 lakh on treatment: infusions, medicines, hospital visits, tests. When I needed my health insurance the most, it covered none of it, because of an issue with my policy.
₹20 lakh+
spent on treatment in a single year, and not one rupee of it covered.
That's when I realised this isn't just my story. It's a problem faced by countless families across India.
We spend years building savings, investments and financial security. One serious illness can wipe out a lifetime of planning in a matter of months. Health insurance isn't just another financial product. It's the foundation that protects everything else you've worked so hard to build.
That's why I created Nauf Insurance.
Our mission is simple. Make health insurance:
Easier to choose
The right policy for your city, your family and your health history, compared on what they actually pay rather than on premium alone.
Easier to claim
Someone who knows your policy and is still reachable on the day it matters. That's the part everyone else disappears for.
Because when you're fighting for your health, the last thing you should have to fight is your insurance.
The fine print that matters
Four clauses that quietly decide what you get paid.
Nobody rejects a claim on the day you buy the policy. They cut it years later, at the worst possible moment, using a sentence you were never walked through. These are the four we check first.
Room rent capping
Many policies cap the daily room charge at 1–2% of the sum insured. Take a room above that limit, which is often unavoidable in a metro hospital, and the insurer applies proportionate deduction across the entire bill: surgeon's fees, ICU, medicines, everything. Not just the room.
What to look for: "no room rent capping" or "any room category".
Disease sub-limits
A ₹10 lakh policy can still cap a cataract at ₹40,000 or a knee replacement at ₹1.5 lakh, regardless of the actual bill. The headline cover looks generous; the specific procedure you need is quietly rationed.
What to look for: the sub-limit table, usually buried near the end of the wording.
Waiting periods
Pre-existing conditions typically wait 2–4 years. Specific illnesses such as hernia, cataract and joint replacement often have their own 2-year clock. Maternity commonly waits 2–4 years. Every one of them runs from the policy start date, not from when you first paid a premium elsewhere.
What to look for: whether porting preserves the waiting periods you've already served.
Co-pay
A 10% or 20% co-pay means you fund that share of every claim, forever. It's common on senior citizen plans and on cheaper policies where it's the reason the premium looked attractive. On a ₹8 lakh claim, a 20% co-pay is ₹1.6 lakh out of your pocket.
What to look for: whether the co-pay is mandatory or a voluntary discount you accepted.
How it works
Three steps. One call. No follow-up pressure.
Book a slot
Share a few basics and pick a time that suits you. Takes under a minute, and you'll get a confirmation straight away.
A 30-minute review
We go through the policy you already hold, line by line: sum insured, room rent limits, sub-limits, co-pay, waiting periods, network hospitals. We flag anything that would hurt at claim time. You ask whatever you want.
A plan you can act on
Keep it, top it up, or port it. You leave with a written summary and a clear answer. If you decide to buy, we help you through it via our licensed broker partner. If you don't, that's genuinely fine.
Common situations
One of these is probably you.
Four patterns that come up again and again in Indian households. They're illustrative profiles, not client stories. But if one of them describes your situation, the call is worth thirty minutes.
31
The policy the bank sold you
Bought in a bundle, never read
A ₹5 lakh health plan came attached to your home loan, or arrived via a relationship manager's call. You've paid the premium for four years, never claimed, and have never opened the policy wording.
What the review looks at: whether it carries a room rent cap or co-pay, how its network covers the hospitals near you, and whether porting to a better policy keeps the four years of waiting period you've already served.
34
New baby, old policy
Cover from a life you no longer live
You took a ₹5 lakh individual policy at 27 when you were single and healthy. There's now a partner and a newborn, you've moved to a metro, and the child was never formally added to the policy.
What the review looks at: what a paediatric admission actually costs against ₹5 lakh in your city, how to add the family without restarting every waiting period, and whether a floater or separate policies work out better.
29
Parents on your floater
Shared cover, unshared risk
You added both parents to your ₹10 lakh family floater because it seemed simpler and cheaper. The premium jumped, and one serious hospitalisation would exhaust the cover meant for everyone in the house.
What the review looks at: whether splitting them onto a separate senior plan costs less overall, what co-pay their age band triggers, and which insurers still write new senior cover at their age.
42
Only covered by the office
Protection that ends with the job
Your employer gives ₹5 lakh family health cover and you've never needed it, so you've never read it. You've also never held a personal policy, which means your waiting-period clock has never started.
What the review looks at: the room rent and co-pay conditions inside the group policy, what a metro hospitalisation actually costs against ₹5 lakh, and why starting a personal policy while you're healthy is the whole point.
These are illustrative profiles used to show what a review covers. They are not real clients and not testimonials. Any figures shown are examples, not quotes.
Questions
Health insurance, answered plainly.
Yes. There's no fee for the review, and nothing to pay whether or not you go on to buy anything. If you do buy a policy through us, we're compensated by the insurer through the standard, IRDAI-regulated commission built into every policy, the same one that's already priced in whether you use an advisor or not.
We advise. We don't underwrite anything and we're not an insurer. If you decide to go ahead, the policy is issued by the insurance company and placed through our licensed IRDAI broker partner. The licence details are in the footer of this page.
Practically: the call is advice, the purchase is a separate decision you make afterwards, in your own time.
Because it ends when the job does, and it usually ends at the moment you're least able to get fresh cover. Group policies are also typically ₹3–5 lakh, which doesn't stretch far against a metro hospital bill, and they frequently carry co-pay and room limits you've never seen.
There's a second, less obvious reason: waiting periods. If you buy your own policy while you're healthy and employed, you serve those years quietly in the background. If you wait until you need it, you start the clock from zero.
Usually not. A floater is priced on the eldest member, so adding a 62-year-old parent raises the premium for the entire family. And because the cover is shared, one significant hospitalisation can exhaust the pool that was meant to protect everyone.
A separate senior citizen policy for parents almost always works out better, even though the standalone premium looks higher on paper.
Generally yes. Diabetes, hypertension and thyroid conditions are all commonly insured. Expect a waiting period on that specific condition, sometimes a loading on the premium, and occasionally a permanent exclusion.
Declare everything. A condition you didn't mention is the cleanest possible ground for an insurer to reject a claim years later, and it can void the whole policy rather than just that one claim.
Yes, that's what portability is for. IRDAI rules let you move to another insurer at renewal and carry across the waiting periods you've already served. It has to be done in a specific window before renewal, and the new insurer still underwrites you.
It's genuinely worth doing if your current policy has a room rent cap or heavy sub-limits. It's also the single most common thing people don't realise they're allowed to do.
Cashless means the insurer settles directly with the hospital, so you don't pay upfront. It only works at hospitals in that insurer's network, which is why the network list near your home matters far more than it sounds.
Outside the network you pay first and claim reimbursement afterwards, with documentation and a wait. Worth checking which hospitals you'd realistically use before choosing an insurer.
Ideally the PDF of any existing policy. The policy schedule is enough, you don't need the full wording. Beyond that: the ages of everyone you want covered, the city you'd be treated in, and any medical history worth mentioning.
If you have none of that to hand, come anyway. We can work from a conversation.
Still unsure? Book the call and ask.
Find out what your policy would really pay.
Send us the policy schedule before the call and we'll have read the exclusions by the time we speak. Thirty minutes, no cost, no obligation, and no one calling you next week.
Book your free review