Think about what one serious hospital stay in a good private hospital in your city would actually cost, because that is the bill health insurance exists to absorb. A family floater plan that covers you, your partner, and kids under one sum insured is the common starting point, and many founders add a low-cost super top-up to lift the total cover for a big event without paying much more. Buy it while you are young and healthy so pre-existing-condition waiting periods are behind you before you need them. Read what is excluded, the room-rent limits, and the waiting periods, since these decide whether a claim actually pays. Premiums qualify for a deduction under the tax rules, but limits and rules change, so confirm the current position with a CA. This is general education, not advice on a specific policy or cover amount.
A curated summary to orient you, not advice. The resources below are the real value.
2 hand-picked resources, 2 India-specific, 2 link-checked. Pick how you want to dig in.
Why we picked it What a health policy actually covers and how to read one, so a founder can hold cover independent of the company rather than relying on it.
From ClearTax by ClearTax
Open cleartax.in →Why we picked it The free, India-first grounding in what to do with cash once you have it: goals, allocation, SIPs, and not losing it to fees.
From Zerodha Varsity by Zerodha Varsity
Open zerodha.com →
