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Medkasinsurance.com • 99.4% Claim Settlement Ratio

Insurance made refreshingly simple.

Instant digital coverage for Health, Life, and Motor. Zero paperwork, zero commission bloat, and claims approved in 30 minutes.

Medical Coverage Amount ₹10 Lakhs
₹5 Lakhs ₹10 Lakhs ₹25 Lakhs ₹50 Lakhs
Starting Premium
₹899
per month • cancel anytime
  • 10,000+ Cashless Hospitals
  • 30-Min Cashless Approvals
  • Zero Room Rent Capping
Life Cover (Sum Assured) ₹1 Crore
₹50 Lakhs ₹1 Crore ₹1.5 Crore ₹2 Crore
Guaranteed Premium
₹640
per month • fixed for life of policy
  • Guaranteed Tax-Free Payout
  • Free Home Medical Checkup
  • Terminal Illness Acceleration
Vehicle Insured Value ₹10L Value
₹5L Value ₹10L Value ₹20L Value
Annual Comprehensive Plan
₹4,890
per year • includes Zero Depreciation
  • 7,500+ Cashless Garages
  • 24/7 Roadside Assistance
  • 15-Min Digital Video Survey

30-Minute Cashless

Direct hospital & garage pre-authorizations in under 30 minutes. No paying out of pocket and chasing reimbursements.

100% Digital & Instant

No agents, no spam calls, and no paper stacks. Your digital policy pack arrives straight to your WhatsApp and email in 60 seconds.

Zero Hidden Clauses

Enjoy full freedom with zero room-rent caps and transparent policy wording backed by our 99.4% claim settlement ratio.

Complete Protection Portfolio

Coverage Designed for Every Milestone

Explore what is included in Medkas Health, Life, and Motor insurance. Transparent benefits, zero hidden conditions, and direct digital settlement.

Medkas Health Insurance

Comprehensive medical protection for individual & family hospitalization, critical illness, and day care treatments.

Starting from
₹449 / mo

What is Covered

  • In-Patient Hospitalization 100% cover for room, ICU, nursing, doctor & surgeon charges
  • Zero Room Rent Capping Choose any private or deluxe suite without proportionate billing cuts
  • Pre & Post Hospitalization 60 days pre-admission and 180 days post-discharge medical bills
  • Day Care Treatments Over 150 procedures requiring <24 hrs (dialysis, cataract, chemo)
  • Annual Health Checkup Complimentary annual preventive body screening for insured members
  • Maternity & Newborn Normal & C-section delivery cover with newborn care from Day 1

Key Advantages

🏥
10,000+ Cashless Network

Direct cashless approvals at premier hospital networks nationwide.

⏱️
30-Min Pre-Authorization

Digital desk clears cashless admissions in under 30 minutes.

💰
Tax Deductions up to ₹75,000

Claim tax exemption under Section 80D for self, family & senior parents.

Ideal For: Individuals Married Couples Growing Families Senior Parents

Medkas Life & Term Insurance

Pure financial shield ensuring your family's future, children's education, and liabilities remain protected.

Starting from
₹390 / mo

What is Covered

  • Guaranteed Death Benefit 100% tax-free lump sum payout to beneficiaries upon policyholder demise
  • Terminal Illness Acceleration Up to 100% advance payout immediately upon serious clinical diagnosis
  • Return of Premium (ROP) Option Opt to get 100% of all paid premiums fully refunded at policy maturity
  • Accidental Death & Disability Additional 2x payout rider in case of unexpected fatal accident or loss of limbs
  • Locked-in Premium Rates Your premium rate never increases with age for terms up to 40 years
  • Waiver of Future Premiums All ongoing premiums waived if diagnosed with permanent disability

Key Advantages

🩺
Free Doorstep Health Checkup

Paramedic visits your home or office at your preferred time.

💰
100% Tax-Free Benefits

Deductions under 80C & full tax-free claim under Section 10(10D).

🤝
Dedicated Nominee Support

Assigned legal and claims officer assists your family with documentation.

Ideal For: Primary Breadwinners Parents with Young Children Home Loan Borrowers Self-Employed

Medkas Motor & Vehicle Insurance

Bumper-to-bumper protection for private cars and two-wheelers against collisions, theft, and third-party liabilities.

Starting from
₹799 / yr

What is Covered

  • Comprehensive Own Damage Accidental collisions, overturns, fire, lightning, riots, flood & theft
  • Zero Depreciation (Bumper to Bumper) 100% payout on fiberglass, plastic, rubber, and metal parts without age depreciation
  • Third-Party Legal Liability Mandatory statutory protection covering third-party injury, death, and property damage
  • 24/7 Roadside Assistance Flat tire replacement, emergency fuel delivery, battery jumpstart, and towing up to 50 km
  • Engine & Gearbox Protection Special cover against hydrostatic lock and water ingression during monsoon floods
  • NCB Retention Protection Protect your earned No Claim Bonus discount even after filing one accidental claim

Key Advantages

🔧
7,500+ Partner Workshops

Direct cashless repairs with genuine OEM manufacturer parts.

📱
15-Min Digital Video Survey

Upload accident photos or live stream for instant spot authorization.

🏷️
50% NCB Bonus Transfer

Bring over your existing discount from your previous motor insurance provider.

Ideal For: Private Car Owners Two-Wheeler & Scooters Electric Vehicles (EV) Commercial Fleets

Common Questions

Pre-authorization is issued within 30 minutes at all 10,000+ cashless hospitals and 7,500+ partner workshops across the country. Just show your digital card.

Yes! You can transfer up to 50% of your accumulated NCB from any previous insurer to your Medkas Motor policy with zero paperwork.

Yes. All pre-existing conditions (diabetes, hypertension, thyroid, etc.) are covered following standard waiting periods, with optional waiting period reduction riders available.

Health policies qualify for up to ₹75,000 tax deduction under Section 80D. Term life policies qualify under Section 80C, and all death payouts are 100% tax-free under Section 10(10D).

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