One Medical Emergency
Should Not Erase
Years Of Savings.
The right health cover protects your family’s financial future — not just their health. We help you choose individual and family floater plans that actually deliver when it matters most.
Why It Matters
Most Families Are Under-
Covered — And Don't Know It.
A single hospitalisation today can cost ₹3–10 lakhs in a private facility. Without adequate cover, that bill comes directly from your savings, your investments, or worse — a loan.
Employer Cover Is Not Enough
Group policies from employers typically cover ₹2–3 lakhs per year — well below the cost of a serious illness or surgery. And the cover disappears the moment you change jobs.
Parents Are Often Left Out
Most employer covers exclude parents. Individual policies for parents become expensive or difficult to get as they age. The earlier you cover them, the lower the premium — and the simpler the process.
Medical Inflation Is Rising Fast
Healthcare costs in India rise at 12–14% annually. A ₹5 lakh cover that feels adequate today may fall well short in five years. Your cover needs to grow with your family.
Who We Help
We Help You Find Cover
That Actually Covers.
Choosing a health insurance policy is not about picking the cheapest premium. It is about understanding what your family needs — and making sure the policy will pay when you need it to.
- We assess your current cover and identify gaps before recommending anything.
- We explain individual plans vs. family floaters in plain language — no jargon.
- We help you understand waiting periods, sub-limits, and exclusions before you sign.
- We stay with you — through renewals and if a claim arises, not just at purchase.
- We are a registered Insurance Distributor working with IRDAI-regulated insurers.
Two Ways to Build Your Education Corpus
Two Types of Cover.
One Clear Decision.
For most families, the choice comes down to two options. We help you understand which one suits your situation — before you commit.
Individual Health Plans
A separate policy for each family member with a dedicated sum insured. Ideal when one member has a specific health condition, or when you want the full cover available for each person without sharing.
- Dedicated sum insured per person — never shared
- Best for covering parents separately
- Full cover available even if other family members have claims
- Premiums based on individual age and health profile
Family Floater Plans
A single policy covering your entire family under one shared sum insured. More cost-effective for young, healthy families where major simultaneous claims are unlikely.
- One policy covers the entire family
- Premium is lower than separate individual policies
- Sum insured is shared across all covered members
- Suitable for families with young children and healthy adults
Our Philosophy
Insurance Is Not a Product.
It Is a Process.
At Thanki Wealth, we approach insurance the same way we approach everything else — with Process, Discipline, and Consistency.
Process
We follow a structured process — assess your current cover, understand your family's risk profile, identify gaps, and match you to a suitable policy. No shortcuts. No guesswork.
Discipline
Insurance discipline means renewing on time, reviewing your cover as your family grows, and never letting a policy lapse simply because the premium felt inconvenient that year.
Consistency
We stay consistent — with the families we serve and the process we follow. One relationship, one point of contact, year after year. That is how trust is built and maintained.
Who is This For
If Any of These Sounds
Like You, Let's Talk.
Whether your child is a newborn or a teenager — there is a structured SIP approach suited to your timeline. The right time to start is always sooner than it feels.
The Working Individual
You have employer cover but know it is not enough — and it disappears when you change jobs. You want a personal policy that stays with you regardless of where you work.
The Young Family
You have a spouse and young children and want one policy that covers everyone without four separate premiums. A well-chosen family floater can do exactly that.
The Caring Son or Daughter
Your parents are aging and your employer cover does not include them. You want a separate policy for them before any health condition makes it harder — or more expensive — to get cover.
Common Questions
Questions Families
Usually Ask Us.
My employer already gives me health cover. Do I still need a personal policy?
Employer cover is a benefit — not a guarantee. It covers you only while you are employed there, typically up to a limited sum, and disappears when you change jobs, go on a career break, or retire. A personal policy stays with you regardless of your employment status and ensures your family is never left uncovered at a critical moment.
What is the difference between an individual plan and a family floater?
An individual plan has a dedicated sum insured for each person — no sharing. A family floater has one shared sum insured for the entire family. For example, a ₹10 lakh family floater covers all four members, but if one person uses ₹7 lakhs in a claim, only ₹3 lakhs remains for others that year. We help you decide which structure suits your family's profile and risk.
How much cover does my family actually need?
It depends on your city, your family's health history, and the hospitals you prefer. As a starting point, a family of four in a mid-sized city should consider a minimum of ₹10–15 lakhs. We assess your specific situation and help you arrive at a cover amount that is neither excessive nor inadequate.
Can I cover my parents under my family floater policy?
Some family floater policies allow inclusion of parents, but many insurers either exclude them or charge significantly higher premiums due to age and health risk. In most cases, a separate individual policy for parents is more practical and cost-effective. We help you evaluate both options before making a decision.
Your Family Deserves Cover
That Actually Covers.
A short conversation is all it takes to know whether your current health cover is truly adequate — or if there are gaps that need to be addressed before they become a problem.