Tailored Health Insurance Planning by IRDA-Certified Advisors
Protect your health and wealth with absolute confidence. We provide highly customized plans at reasonable premiums, designed to pay out seamlessly when you need them most.
72+
Lives covered
₹7+
Crores cover
₹27+
Lakhs Premiums saved
100%
Policy continuity
Why We Are the Trusted Choice for Medical Insurance Planning
Certified Advice You Can Trust
Chosen Because It Pays. Every Time.
Plans Designed Around Your Needs
Maximum Protection, Optimized Costs
Connect, Collaborate, & Create Limitless Opportunities.
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Embrace Innovation, Adapt Quickly, and Lead with Confidence.
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Meet Anuj Kesarwani
Anuj Kesarwani is the founder of Zenith Finserve, with over a decade of experience in comprehensive financial management.
His expertise spans financial planning, retirement planning, cash flow management, investments, loans, insurance, tax, and estate planning, helping individuals make smarter, well-rounded financial decisions.
He holds globally recognized certifications, including Certified Financial Planner (CFP) and Chartered Trust and Estate Planner™ (CTEP™), reflecting his deep commitment to professional excellence.
Anuj’s insights and perspectives have been featured in leading financial publications such as Moneycontrol, Economic Times, The Fynprint and Outlook Money, making him a trusted voice in the industry.
18 Health Insurance Myths That Could Leave You and Your Family Exposed
Health insurance is enough for me.
Health insurance covers risks against medical emergencies. Depending on your life stage, you may also need life, critical illness, or accident cover.
Employer-provided health insurance is sufficient for me.
It is usually not. Employer cover ends when you change jobs or retire and is rarely enough to protect your long-term health issues. It has restrictions and clauses as per which you also need to pay some part at the time of claim.
If I buy health insurance early, I never need to review it.
You do. As your health, age, income, location, and family responsibilities change, your health insurance must evolve.
All health insurance policies are the same so I will buy the low premium policy.
Generally no. A cheaper policy may come with poor claim service, restrictive clauses, or a financially weak insurance company.
Health insurance claims are mostly rejected.
That’s not the case. Most claims are settled when the policy is suitable, disclosures are honest, and the insurance company is reliable.
Health insurance planning is only for older people.
No. Health insurance is easier to buy when you are young and healthy. Waiting often reduces options.
I do not need health insurance if I have no dependants.
You may still need health insurance as health insurance policy protects your savings and investments.
I can buy health insurance anytime I want.
Not necessarily. Health conditions or age can raise premiums or lead to policy rejection. Early planning keeps options open.
Medical tests may need to increase in premium or policy rejection.
No. Medical tests protect you. They reduce future claim disputes and ensure fair pricing.
Disclosing health issues lead to rejection.
Not necessarily. Non-disclosure is the bigger risk. Honest disclosure improves claim certainty.
Riders are unnecessary add-ons.
No. Some riders add meaningful protection at a reasonable cost.
Health insurance planning ends after buying a policy.
No. Life events like marriage, or family expansion require timely updates to your cover.
Health insurance claim settlement depends on luck.
No. Successful claims depend on the right insurance company, right policy, and correct disclosures.
Online health insurance policies are always better.
Not always. Online health insurance policies may be sometimes a little cheaper, but expert guidance helps ensure correct cover, application, disclosures, and claim support.
health insurance is mainly a tax-saving tool.
No. Tax benefits are a bonus. Protection should always come first.
Higher health insurance cover is better.
No. Adequate cover matters more than the size of cover. The cover should be as per your health situation, age, and life stage.
Health insurance is too complicated and best avoided.
It only feels complicated. With a structured process and proper advice, it becomes simple and effective.
High claim settlement ratio is enough to trust a health insurance company.
It helps, but it is not enough. Exclusions, servicing quality, and claim processes matter just as much.
Term life insurance is too complicated and best avoided.
It only feels complicated. With a structured process and proper advice, it becomes simple and effective.
Pathway to your Zenith
We understand your needs, create a customised plan, put the plan into action, and keep reviewing it as life changes.
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What Our Client Says About Our Services
Anjali Jaiswal
Yogita Tiwari
Purnima Mistry
Pranal Patankar
Experience Unbiased, Family-First Health Insurance Advisory
| Aspect | Zenith Finserve | Others |
|---|---|---|
| Approach | Advice-led and needs-based | Product-led and price-focused |
| Primary Focus | Claim experience and suitability | Quick purchase |
| Insurance Company Selection | Shortlisted after deep research | Limited to tied-up companies |
| Claim Settlement Focus | Looks at claim quality and reliability | Only headline ratios shown |
| Policy Review Depth | Screens for exclusions and hidden clauses | Many clauses overlooked |
| Cover Amount Advice | Helps decide the right cover size | Often generic suggestions |
| Personalisation | Tailored to age, health, habits, and family history | Mostly one-size-fits-all |
| Pre-existing Conditions Handling | Evaluated carefully before suggestion | Often overlooked causing issues in claim settlement |
Answering Your Most Common Questions
Why do I need health insurance?
Health insurance protects your family’s savings and investments if something unexpected happens to any member of your family.
Proper planning ensures the cover is adequate, affordable, and reliable at the time of claim.
When is the right time to buy health insurance?
The best time to buy health insurance is when you are young and healthy.
Premiums are lower, options are wider, and approvals are easier.
Can I buy health insurance online on my own?
Yes, you can. But choosing the right cover, insurance company, and policy features needs careful guidance to avoid costly mistakes.
Your savings and investments could be at stake.
Should all the family members have health insurance?
Yes. If any member of the family faces health issues, it could drain family savings and investments so all the family members should have health insurance..
Yes, you can. But choosing the right cover, insurance company, and policy features needs careful guidance to avoid costly mistakes.
Your savings and investments could be at stake.
Will health insurance affect my taxes?
Tax benefits exist, but they should never drive the decision. Protection always comes first.
How does inflation affect health insurance planning?
Health care costs rise over time. In India, medical inflation rate is almost double of normal inflation.
We consider inflation and keep reviewing the adequacy of your cover so that it remains meaningful in the future.
Can I increase my health insurance cover later?
Yes, though it may come at an additional cost and fresh waiting periods for the extra cover amount.
What if I already have a health insurance policy?
We review your policy based on your adequacy of cover and suitability.
And guide you if you need to continue the same or change it.
Are health insurance riders really useful or just extra costs?
Some riders add valuable protection at a reasonable cost. We suggest only those that strengthen your safety net.
What happens to my health insurance if I change jobs or cities?
Your personal health insurance stays with you. This is why individual policies are more reliable than employer cover.
What if I miss a health insurance premium payment?
Most health insurance policies offer a grace period. We guide you on revival options to avoid losing coverage.
What if my health insurance company changes policy terms in the future?
Once issued, your health insurance policy terms generally remain the same. That said, we need to keep a check when they do change. We do that as part of our annual review.
Do health insurance claims actually get settled?
Yes, most claims are settled when disclosures are honest and the insurance company is strong. We prioritise claim certainty over just buying a policy.
How do you ensure the insurance company will pay claims in the future?
We evaluate solvency, financial strength, claim settlement practices, and service quality before suggesting any insurance company.
Who should be the nominee in my health insurance policy?
Someone who can actually receive and manage the claim amount should be the nominee in your health insurance policy.
What support does Zenith Finserve provide during a health insurance claim?
We guide your family through the claim process. Our role is to reduce stress during a difficult time.