Protect Your Health.
Secure Your Future.
Smart health insurance plans tailored for you and your family.
What is SFS Policy?
With rising medical inflation, a single hospitalization can deplete years of savings. SFS Policy is designed to provide you with a robust financial safety net when you need it most. Our flagship plan offers comprehensive coverage for a wide range of medical expenses, including inpatient hospitalization, day-care procedures, and critical illness treatments.
Beyond just hospital bills, we provide flexibility with pre-designed add-ons, unlimited doctor consultations, advanced diagnostic testing, and emergency ambulance services. At SFS, we believe in proactive wellness, ensuring your family health is secured without the burden of financial stress.
Financial Solutions for Every Need
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What's included and what's not?
Self-inflicted injuries or attempted suicide.
Injuries caused by war, nuclear weapons or radioactivity.
Treatment of obesity or cosmetic surgeries.
Non-medical expenses like gloves, nebulizers, etc.
Specified Disease Exclusions
- Cataract and age-related eye ailments
- Internal & external hernia
- Hysterectomy for Menorrhagia or Fibromyoma
- Osteoarthritis and Osteoporosis
Top reasons to choose SFS Insurance
Comprehensive Benefits
Cashless Hospitalization
Get treated at 8500+ network hospitals without paying a single rupee upfront.
No Claim Bonus
Enjoy up to 50% increase in your sum insured for every claim-free year.
OPD Coverage
Direct reimbursement for doctor consultations, pharmacy, and diagnostic tests.
Maternity Benefits
Comprehensive cover for pregnancy-related expenses and newborn vaccinations.
Free Health Checkups
Annual comprehensive health checkups for all family members included at no extra cost.
Tax Savings
Save up to ₹75,000 in taxes every year under Section 80D of the Income Tax Act.
More Than Just A Policy
We've combined technology with human empathy to redefine health insurance for the modern Indian family.
Fast Claim Processing
Experience the industry's quickest turnaround time for all your medical reimbursements.
AI-Powered Approvals
Our proprietary AI engine approves cashless requests within minutes, eliminating long waits.
Dedicated Support Team
Get a personal health concierge to guide you through admission, treatment, and discharge.
Transparent Policies
Zero hidden clauses or confusing jargon. We tell you exactly what is covered and what isn't.
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Loved By Thousands Of Families
Frequently Asked Questions
What is health insurance and why do I need it?
Health insurance helps cover medical expenses and protects you from high hospital costs.
What does this policy actually cover?
It covers hospitalization, treatments, doctor consultations, and selected medical expenses.
What is not covered in this insurance?
Pre-existing conditions (initial period), cosmetic treatments, and non-medical expenses are usually excluded.
How do I make a claim?
You can make a claim through cashless hospitals or submit bills for reimbursement.
How long does it take to get claim approval?
Most claims are processed within a few hours for cashless and a few days for reimbursement.
Is cashless treatment available in hospitals?
Yes, you can avail cashless treatment at our network hospitals.
How much premium do I need to pay?
Premium depends on your age, coverage amount, and selected plan.
Can I pay monthly instead of yearly?
Yes, flexible payment options like monthly and yearly are available.
Are there any hidden charges?
No, all charges are clearly mentioned upfront with full transparency.
Can I include my family in one plan?
Yes, family floater plans allow coverage for multiple members under one policy.
Is there any age limit to buy insurance?
Most plans are available for individuals from young adults to senior citizens.
How fast can I get my policy after applying?
Your policy can be issued within minutes after successful verification.
Can I talk to someone before buying?
Yes, you can connect with our experts via call or WhatsApp anytime.
Will someone help me during hospital admission?
Yes, our support team assists you throughout the hospitalization process.