Job loss income, hospital cash, and an OPD wallet for everyday doctor visits - plus accident and critical illness cover. All in one plan, from ₹2,499/year incl. GST.
Your regular hospitalisation policy kicks in only if you're admitted. Everything before that - doctor visits, tests, medicines - comes straight out of your pocket.
A single specialist consultation can cost ₹500-1,500. Add diagnostics and pharmacy, and routine care becomes expensive - with zero cover.
Most employer health policies only cover hospitalisation. The everyday stuff - check-ups, dental, vision - is left entirely to you.
Hospitalisation, job loss, or a critical diagnosis hits your finances and your health at the same time - with no buffer in between.
Kavach fills exactly this gap - job loss income, hospital cash, and an OPD wallet, plus accident and critical illness cover, in one honest plan starting at ₹2,499/year.
The three things people actually need protection for, bundled into one honest plan. No waiting period, no fine-print surprises.
If you face involuntary unemployment, Kavach pays you a monthly income for up to 3 months - a real cushion while you find your next role.
A fixed cash payout for every continuous hospitalisation of 5, 10, or 15 days - paid regardless of your actual hospital bill.
Cashless via Alyve QR for consultations, diagnostics, pharmacy, dental & vision - the costs your regular policy never touches.
Underwritten by GoDigit General Insurance. Real policy. Real IRDAI grievance redressal if something goes wrong.
Most health insurance protects you from your worst day. We cover the days that actually happen.
Every rupee disclosed before you pay. Sub-limits printed clearly. No surprises in the fine print.
Buy today, use tomorrow. Your OPD wallet and free AHC are active from day one - no conditions.
You buy directly. We save the intermediary fee. You get more coverage for less money.
Every plan backed by IRDAI-licensed insurers. Verifiable policy number. Real grievance redressal.
No medical tests. 2-minute KYC and you're covered. Policy on WhatsApp in 60 seconds.
The three protections people actually need - income if you lose your job, cash if you're hospitalised, and a wallet for everyday doctor visits.
Clear coverage, clearly explained. No fine-print ambushes.
90,000+ doctors. 14,000+ diagnostic centres. Cashless everywhere via Alyve QR.
No agents. No forms. No confusion. Simple protection for everyone.
Take the 30-second quiz or compare Kavach Pro and Kavach Lite directly - pick what fits your needs.
Review exactly what's included - OPD wallet, accident cover, critical illness, job-loss income - before you pay.
UPI, credit card, debit card, net banking, or EMI - secured checkout powered by Razorpay.
Policy document and activation confirmation land on WhatsApp within 60 seconds. Live from day one.
From ₹2,499/year incl. GST. Live from day one. Full refund in 15 days.
Kavach Pro and Kavach Lite - designed for every Indian who wants real primary care coverage. Compare benefits below and pay securely with Razorpay.
Kavach · Powered by Alyve Health · Protected by GoDigit Insurance · *T&C Apply
Kavach Pro & Kavach Lite - complete benefit breakdown.
Last updated: 30 June 2026
Kavach is a health membership plan offered by FinanceBuddha, in partnership with Alyve Health Private Limited (benefits administration) and underwritten by GoDigit General Insurance Limited. This policy explains what personal data we collect when you visit this website or purchase a Kavach plan, how we use it, and your rights over it.
When you take the plan-suggestion quiz, request a plan, or make a payment, we may collect:
We use your information to activate and administer your Kavach plan, to communicate policy documents and updates via WhatsApp, SMS, or email, to provide customer and claims support, and to recommend the right plan tier through the quiz tool. We do not sell your personal data to third parties.
To activate and service your plan, relevant details are shared with Alyve Health Private Limited (benefits administration and network access) and GoDigit General Insurance Limited (policy underwriting and claims). These partners are bound by their own privacy and confidentiality obligations under applicable law.
All data is transmitted over SSL-secured connections. Payment processing is handled entirely by Razorpay; we do not store or have access to your card, UPI PIN, or net-banking credentials at any point.
You may request access to, correction of, or deletion of your personal data by contacting our support team. You may also opt out of promotional communications at any time while retaining policy-related communications necessary for servicing your plan.
We may update this Privacy Policy from time to time. The "Last updated" date at the top of this page reflects the most recent revision. Continued use of this website or your Kavach plan after an update constitutes acceptance of the revised policy.
For privacy-related questions or requests, reach out through the concierge desk available in your Kavach plan, or via the contact details shared at the time of policy issuance.
Last updated: 30 June 2026
Kavach is a health membership plan made available by FinanceBuddha. Benefit administration, OPD wallet management, and the Alyve QR cashless network are operated by Alyve Health Private Limited. Personal accident, critical illness, hospital cash, and job-loss benefits are underwritten by GoDigit General Insurance Limited, a licensed general insurer regulated by the Insurance Regulatory and Development Authority of India (IRDAI).
Kavach is offered in two tiers - Kavach Lite (₹2,499/year incl. GST) and Kavach Pro (₹3,499/year incl. GST). Sub-limits, wallet amounts, and cover values for each tier are listed on the Coverage page and form part of these Terms. Prices are subject to change for new purchases; your purchased plan's pricing remains fixed for its annual term.
Your plan activates immediately upon successful payment confirmation. There is no waiting period for OPD benefits - consultations, diagnostics, pharmacy, and the annual health check-up are available from day one, subject to applicable sub-limits.
OPD benefits are redeemed cashlessly by scanning the Alyve QR code at a network doctor, diagnostic centre, or pharmacy, subject to a per-transaction limit and your plan's overall annual wallet. Usage outside the Alyve network is not eligible for cashless redemption.
These benefits are governed by the underlying insurance policy issued by GoDigit General Insurance Limited. Job-loss cover applies only to involuntary unemployment (e.g. employer-initiated termination or layoff) and explicitly excludes voluntary resignation. Critical illness cover is payable on confirmed diagnosis as defined in the policy wording. Claims are assessed and settled directly by the insurer as per policy terms.
You may cancel within 15 days of purchase for a full refund, provided no claim has been made and the OPD wallet remains largely unused, subject to insurer-specific free-look conditions. After 15 days, a pro-rated refund may be available for the unused portion of your plan term, less any benefits already availed.
Kavach does not cover, among other things:
A complete list of inclusions and exclusions is available in the policy wording issued at the time of activation, and on the Coverage page of this website.
For complaints relating to the underlying insurance policy, you may approach GoDigit General Insurance Limited's grievance redressal officer as per the contact details on your policy document, or escalate to IRDAI's Integrated Grievance Management System (IGMS) if unresolved. For benefit administration or OPD wallet issues, contact the Kavach concierge desk available within your plan.
We may revise these Terms from time to time to reflect changes in our offerings or applicable regulation. The "Last updated" date above reflects the most recent revision. Material changes affecting an active plan will be communicated to you directly.
These Terms are governed by the laws of India. Any disputes are subject to the jurisdiction of the competent courts in India, without prejudice to your statutory rights as a policyholder under IRDAI regulations.