Because Illness Arrives Unannounced.

Medical inflation in India is rising at double the rate of general inflation. A single hospitalization can wipe out years of hard-earned savings.

At Samota, we believe health insurance is the first line of defense for your wealth. We don’t just sell you a policy; we analyze your family’s medical history and needs to recommend a plan that actually pays when you need it. No hidden surprises, just guaranteed support.

Our “Claims-First” Philosophy

1. No “Hidden Clause” Surprises:
Room rent limits? Co-pay? Waiting periods? We decode the fine print for you before you sign, ensuring you know exactly what is covered and what isn’t.

2. The Right Sum Insured:
A ₹5 Lakh cover might have been enough 10 years ago, but not today. We help you calculate the right coverage amount based on current medical costs in your city.

3. 24/7 Claim Assistance:
During a medical emergency, you shouldn’t be fighting with customer care. We act as your dedicated support team, handling cashless approvals and reimbursement paperwork.

Comprehensive Care for Every Stage of Life

1. Family Floater Plans:
One premium, coverage for all. A cost-effective way to insure your spouse, children, and yourself under a single umbrella limit. Ideal for young families looking for maximum value.

2. Senior Citizen Health Plans:
Healthcare needs change with age. We offer specialized plans for parents and seniors that cover age-related ailments, offer shorter waiting periods, and include annual health check-ups.”

3. Critical Illness Coverage:
Standard policies may not cover the high costs of treating life-threatening conditions like Cancer, Heart Stroke, or Kidney Failure. This add-on provides a lump-sum payout to cover treatment and lost income.

4. Top-Up & Super Top-Up Plans:
Already have corporate insurance? It might not be enough. A Super Top-Up plan is a super-affordable way to increase your coverage (e.g., up to ₹25 Lakhs) once your base policy limit is exhausted.