It costs ₹2,190 more than the cheapest quote, Anchor General, and we think that is money well spent. Anchor caps room rent at ₹20,000 a day, so a ₹28,000 room at Kauvery Alwarpet would have the whole bill cut in proportion, and it makes you wait 48 months before the diabetes is covered. Nila has no room limit, restores the full ₹10 lakh once a year if you use it up, waits 36 months, and every Kauvery branch is cashless on its list.
Fine if you would use a government or budget hospital. Read the room-rent line first; it is the most common reason a health claim is paid short.
Only a 24-month wait on the diabetes, unlimited restore and the best claims record here. Worth the extra ₹4,160 a year if the diabetes is on insulin.
Everything an agent would rather you did not ask about, in one table. The three on our shortlist are marked.
| Insurer | Nila Health Family Floater Plus Our pick | Anchor General Family Care | Sunrise Assure Protect Family Shortlist | Kaveri General Arogya Family | Meridian Health Health Shield Shortlist |
|---|---|---|---|---|---|
| Annual premium family floater, incl. GST | ₹22,140 | ₹19,950 | ₹21,460 | ₹23,880 | ₹26,300 |
| Sum insured | ₹10 lakh | ₹10 lakh | ₹10 lakh | ₹10 lakh | ₹10 lakh |
| Room rent limit | No limit Any room, no proportionate deduction | ₹20,000 a night The whole bill is cut in proportion above it | Single private AC room Suites and deluxe rooms deducted | ₹10,000 a night The whole bill is cut in proportion above it | No limit Any room, no proportionate deduction |
| Wait on declared diabetes pre-existing disease | 36 months | 48 months | 36 months | 48 months | 24 months |
| Wait on specific illnesses cataract, hernia, joint replacement | 24 months | 24 months | 24 months | 24 months | 12 months |
| Cashless hospitals in Chennai | 312 | 204 | 291 | 268 | 348 |
| Kauvery Hospital cashless | Yes, all 3 branches | Reimbursement only | Yes, all 3 branches | Reimbursement only | Yes, all 3 branches |
| Claim settlement ratio IRDAI annual report, FY25 | 96.4% | 89.6% | 94.8% | 91.2% | 97.1% |
| No-claim bonus | 50% a year, up to 100% | 10% a year, up to 50% | 25% a year, up to 100% | 10% a year, up to 50% | 50% a year, up to 100% |
| Restore benefit | Once a year, full sum | Not included | Once a year, full sum | Once a year, full sum | Unlimited times a year |
They were generated on 5 September 2026 for the answers above and include 18% GST. The insurer sets the final figure after underwriting, and it can move with an exact date of birth, a pre-policy health check (usual above 45 or with a declared condition), and any add-ons such as maternity or OPD cover. If the final premium differs from this page by more than 5%, we tell you why before you pay.
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