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.
🏆
IRDA Approved
⭐
17000+ N/work Hospitals
✅
24/7 Claims Support
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.
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*