Health Alpha
Protect What You’ve Built.
Independent Health Coverage Built for Your Independent Life
₹849/Month*
For Complete Individual Coverage. ✓ ₹10L Base + Unlimited Restoration + ₹1Cr Growth + Endless Sum Insured
Your Biggest Risk Right Now
🚨 Employer Insurance
You leave this job? Coverage ends. You change companies? Coverage ends. You start your own business? Coverage ends. You’re never protected.
💥 One Emergency Away
You’re not “young and invincible.” Accidents happen. Sudden illnesses happen. ₹50L medical bill = Your entire savings gone. Career derailed.
🔗 Dependence
No personal coverage = Health emergency = Parents / Friends pay. You’re earning but still cannot afford. That’s not independence.
Your Personal Health Fortress (Built to Last)
✅
₹10L Base Coverage
Hospital bills, surgeries, treatments—fully covered. From day 1. No waiting. No surprises. Your emergency is handled.
♻️
Unlimited Restoration
Use your ₹10L, it comes back. Use it again, it comes back. One year, multiple claims? All covered. Your protection never depletes.
📈
50% NCB (to 1000%)
Your ₹10L coverage grows to ₹1.10Cr in 20 healthy years. Your discipline compounds into unstoppable protection.
∞
Endless Sum Insured
That one catastrophic event? Unlimited backup. Cancer. Major accident. Rare disease. No amount too big. Coverage has no ceiling.
🔒
Yours Forever
Unlike employer insurance, this doesn’t disappear when you change jobs or start a business. This is YOURS. Lifetime. Portable. Guaranteed.
💪
You’re Never Dependent
Health emergency? You handle it. No waiting for parents to approve. No asking siblings for money. No family guilt. Complete autonomy.
Why Employer Coverage Isn’t Real Protection
| Situation | Employer Coverage | Your Personal Plan |
|---|---|---|
| Coverage Today | ✗ 2L to 5L | ✓ 10L + |
| You Change Jobs | ✗ Coverage Gone | ✓ Still Protected |
| You Start Your Own Business | ✗ No Coverage | ✓ Full Protection |
| You Get Laid Off | ✗ Immediate Loss | ✓ Keeps Growing |
| Coverage After 10 Healthy Years | Still ₹2-5L (employer decides) | ✓ ₹60L+ (YOU earned it) |
| You Leave Employment | ✗ Start From Zero | ✓ Keep Your NCB |
This is What Actually Happens
Scenario 1: Amit’s Career Move
Amit, 28, bought individual coverage at ₹849/month while at his IT job. Year 2: He got a better opportunity at another company. He took it. His employer coverage ended on day 1 of resignation.
✓ His personal plan? Still active
✓ His ₹10L coverage? Fully intact
✓ His NCB growth? Continuing
✓ New employer coverage? Bonus on top, but he’s already protected
✓ Real fear eliminated: Career move anxiety gone
Scenario 2: Priya’s Startup Dream
Priya, 31, quit her corporate job to start a business. No employer coverage. But she had bought personal coverage 4 years earlier at ₹849/month.
✓ Her coverage didn’t disappear with her job
✓ By Year 4, her ₹10L grew to ₹25L (NCB compounding)
✓ She’s building her startup with zero health insurance anxiety
✓ One medical emergency? ₹25L+ covered (from 4 years of discipline)
✓ Real outcome: Entrepreneurship without health-related bankruptcy risk
Scenario 3: Rohan’s Emergency (The One Thing Employer Coverage Can’t Protect)
Rohan, 29, had only employer coverage. Road accident. ₹18L emergency surgery needed. Company coverage limit: ₹5L. His out-of-pocket: ₹13L. His savings: Wiped. His career: Derailed by medical debt.
✗ What happened: Financial ruin from “being covered”
If Rohan had personal coverage at ₹849/month:
✓ His ₹10L base would have covered the full ₹18L (employer coverage was always inadequate anyway)
✓ His Endless Sum Insured would have kicked in for overflow
✓ His savings: Untouched
✓ His career: On track
Your Coverage Growth Timeline
Today (Year 0)
₹10L Coverage
You’re protected. One emergency at 28? ₹10L+ Unlimited restoration + Endless sum insured. Fully covered. Monthly cost: ₹849. Annual cost: ₹10,188.
Year 5
₹35L+ Coverage
Stay healthy for 5 years = Your coverage multiplies by 3.5x + Unlimited restoration + Endless sum insured. That’s your discipline compounding.
Year 10
₹60L+ Coverage
10 healthy years = ₹10L becomes ₹60L+ Unlimited restoration + Endless sum insured. You’re now financially unbreakable for any medical emergency.
Year 20
₹1.1Cr + Unlimited Backup
20 years of disciplined health = Complete invulnerability. ₹1.1Cr+ personal coverage + Unlimited restoration + Endless sum insured. You ARE in the safety net now.
4 Reasons to Buy TODAY (Not Tomorrow)
1
Time = Money
Every year you wait, you lose NCB growth. Buy at 28, get 22 years of compounding before 50. Buy at 35, get 15 years. That’s 7 years of growth lost forever.
2
Younger = Lower Health Risk
Premiums are priced on age/health. At 28, you’re in the best health category. Pre-existing conditions haven’t appeared yet. This rate is the lowest you’ll ever get.
3
Employer Coverage Has an Expiration
Job changes, layoffs, business ventures—employer coverage always ends. Personal coverage never does. Build it now while you’re earning.
4
The “I’ll Buy Later” Trap
“I’ll buy insurance when I’m 35” = Costs more, covers less, takes longer to compound. Every young professional who waits regrets it the moment crisis hits.
🏆
IRDA Approved
⭐
17000+ N/work Hospitals
✅
24/7 Claims Support
The Best Time to Buy Insurance Was Yesterday. The Second Best Time is Today.
You’re earning now. You’re independent now. Protect that independence. ₹849/month*. Lifetime coverage. Starting today.
✓ 2-minute application | ✓ Instant approval | ✓ Coverage starts immediately | ✓ No medical tests required*
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