Article · 18 min read

Health Insurance for the Self-Employed in India

Ditto Insurance · Ditto Insurance (joinditto.in) Free Beginner India

This is the exact playbook for the moment your employer cover vanishes: it sizes a family floater at 10 to 25 lakh plus a super top-up, spells out that pre-existing waiting periods run up to 36 months by regulation (which is why you buy while still employed and healthy), and gives a 10-point selection checklist built for someone with no corporate backup. Written by advisors who sell no policy of their own.

  • Anchor on a 10 to 25 lakh base floater and layer a super top-up for the rare big claim, rather than one giant expensive base
  • Pre-existing-disease waiting periods run up to 36 months by regulation, so the earlier and healthier you buy, the sooner you are actually covered
  • A self-employed founder should weigh no room-rent cap, unlimited restoration, and a strong pan-India cashless network, because there is no HR desk to fix a rejected claim
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The question it answers

  1. How do I keep my health insurance and financial safety net after I quit my corporate job in India?

Read with it

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