Pillow

Built for Salaried India

Your employer covers you at work, who covers you for life?

Health or Life, we help you find the best personal cover.

A man sitting at home, considering his health cover

5 things HR didn’t tell you about your group health cover

Your cover ends with your job. A personal plan stays with you.

₹3-5L sum insured. We help you close the gap.

Sub-limits gut your claim. ₹8L hospital bill. ₹4.5L payout.

Parents are usually excluded.

Zero 80D tax benefit on premiums your employer pays.

Cover ends the day your job does. Resign, retire, get laid off, all the same.

₹3–5L sum insured. One ICU stay in a metro: ₹6–10L.

We compare plans from India’s top insurers

  • ManipalCigna Health Insurance
  • Go Digit General Insurance
  • Bajaj Allianz Life Insurance
  • PNB MetLife
  • Shriram Life Insurance
  • The New India Assurance
  • Aditya Birla Health
  • Niva Bupa Health Insurance
  • TATA AIA Life Insurance
  • HDFC Life
  • ICICI Prudential Life Insurance
  • Care Health Insurance
  • ICICI Lombard
  • HDFC ERGO

Know the risk, Plan the cover.

0%

Salaried Indians with no personal health cover

(Plum, 2025)

₹6–10L

Average ICU stay in a tier-1 hospital

0%

Annual medical inflation in India (CareEdge)

(CareEdge)

Why we do, What we do

Backed by India’s Top Investors

Why trust Pillow?

Zero Bias

Advice without incentives. We’re not tied to any one insurer. We evaluate policies across the market and recommend what fits your needs, not what pays us more.

Zero Spam

No pushy calls, No noise. Insurance shouldn’t feel like a sales pitch. Get clear, relevant guidance when you need it, without endless calls, messages, or unnecessary policy recommendations.

Certified Advisory

Expertise you can trust. Our advisors are certified to guide you through insurance decisions, helping you understand coverage, exclusions, premiums, and what actually works for you.

What we offer ?

We already done the hard work researching 200+ insurance products, so you get the best recommendation

Health Insurance

We analyze 80+ plans across 15 insurers to find the one that actually covers what you need.

A nurse going through a health policy with a client at homeKnow more

Term Life Insurance

1 crore cover starts at 550/month*, we help you decide cover that fully protects your family.

A couple reviewing a term cover illustration with a Pillow advisorKnow more

*Rs. 550/month is starting price for a 1 crore term life insurance for an 18 year-old, non-smoker, with no pre-existing diseases, cover upto 30 years of age, rounded off to nearest 10.

The GMC Trap

Most salaried Indians think their company cover is enough. It isn't.

Insurance Co. denies cover

The day you resign, retire, or get laid off, your GMC ends.

Sub-limits eat your payout

Room rent capped at ₹3–5K. Disease-wise sub-limits.

The sum insured is too small

Most GMCs offer a ₹3–5L family floater. A single ICU stay in Mumbai or Bengaluru can run ₹6–10L.

Personal cover starts from zero

After 40 if you catch an ailment getting cover is difficult.

You lose Section 80D

Employer-paid premiums aren't deductible under 80D in your name.

Parents are excluded

Most GMCs cover spouse + kids. Parents are an expensive add-on or excluded entirely.

Is your employer policy any good? Check Now.

We help you decode your employer cover

1

We decode your employer cover

We read your group policy line by line. Sum insured, sub-limits, exclusions, room rent caps. We tell you exactly what's missing and why it'll matter at claim time.

2

We suggest 3-4 best options

We shortlist plans that plug your specific GMC gaps. Super top-up, base policy, parents cover, critical illness. Honest trade-offs, no upselling.

3

We handle everything

Paperwork, onboarding, renewals, claims. One advisor. One number. As long as your cover runs.

Recommended plans

Personal Health

Continuity policy that travels with you.

₹15,000–35,000/yr for ₹10–25L

  • NCB accumulates
  • Works after retirement
  • Tax deductible under 80D

Super Top-up

Start Here

Stacks on your GMC. Activates after the deductible.

₹3,500–5,000/yr for ₹50L

  • Higher cover at lower cost
  • Survives job changes

Parents Cover

Highest urgency

For 55–75 cohort. Affordable covers, most needed.

₹25,000–60,000/yr for ₹10–20L

  • Annual health check up
  • Cashless network
  • Adult-children pay

Term Insurance

Loans, household expenses, kids education - all protected

₹4,000–8,000/yr for ₹25–50L

  • Lumpsum payout option
  • Monthly income option
  • Lumpsum + Monthly income option

Why Choose Pillow

Not all advice is equal.

Here's how Pillow compares to the alternatives you're probably considering.

FeaturesPillowAdvisoryOnline AggregatorsDIYDirect from insurer
Personalized 1-on-1 adviceYesNoNo
Unbiased recommendationsYesNoNo
Compare 40+ plansYesYesNo
Claims assistance for lifeYesNoNo
Expert reads the fine printYesNoNo
Annual policy reviewYesNoNo
100% free serviceYesYesYes

* Based on publicly available information and customer feedback. Updated February 2026.

Real Stories

Hear from people like you.

Every review is from a real person we've helped.

Finding a health insurance, and more importantly, settling on one, is never easy. On that very note, I want to take this moment to thank Yash Darekar and Pillow Insurance for helping me find a great health insurance plan. Yash Darekar, his continued support during the entire process was incredible! A special thanks to Sharan Hegde, and the team behind 1% club for their vision and continued support.

Piyush Anand

Piyush Anand

Healthcare Talent Acquisitionist.

Rated 5 out of 5

Thanks to Nihal Nichani and the 1% Club team! Finding the right health insurance for my family felt overwhelming as a layman, but Nihal Nichani made the process incredibly seamless. Nihal took the time to address all my queries, breaking down: • How health insurance actually functions and the core logic behind selection. • Critical metrics like popularity, claim settlement ratios, and network hospitals. • The strategic choice of beneficiaries and the real impact of add-ons/riders on premiums. What I appreciated most was his patience. Despite delays on my end and a shift in strategy following the Government's 0% GST announcement on health insurance, Nihal Nichani stayed the course. He adapted to the changes and guided me toward a superior option that I'm fully confident in. Thank you, Nihal Nichani, Pillow Insurance, Sharan Hegde, and the 1% Club for the stellar support!

Parthiban Krishnaswamy

Parthiban Krishnaswamy

Simulating the fluidic life

Rated 5 out of 5

I recently had the opportunity to work with 1% Club and Pillow Insurance for my family's insurance needs, and I must say the experience has been extremely reassuring. A special mention to Nihal Nichani, my insurance advisor, who took the time to deeply understand my family's needs, answered every question with patience, and provided clear, unbiased recommendations. This approach strongly reflects the vision of the 1% Club and Sharan Hegde to empower individuals to make smarter financial decisions with clarity and confidence. Highly recommend their services to anyone looking to secure their family's future with clarity and confidence.

Ujjawal Gupta

Ujjawal Gupta

Senior Backend Engineer | Building Future-Proof Backends | Java | Spring Boot...

Rated 5 out of 5

I had a fantastic experience working with Vrushtee Vaid at Pillow Insurance. She is incredibly professional, knowledgeable, and genuinely cares about finding the right fit for my scenario. She simplified the technical jargon and made sure I was well-informed every step of the way. Highly recommended for anyone needing end-to-end health insurance assistance!

Rana Pratap Reddy

Rana Pratap Reddy

CAE Engineer at AXISCADES. Deputed to CATERPILLAR Inc

Rated 5 out of 5

I recently had the opportunity to work with Payal Dere from Pillow Insurance / 1% Club, and I'm truly grateful for the experience. Navigating financial decisions, especially around insurance, can feel overwhelming, but it was made the process simple and approachable. All the concepts were clearly explained, patiently answered my questions, and helped me build a much stronger understanding of making informed financial choices. Thanks to her guidance, I now feel far more confident about my financial planning, particularly in the insurance space.

Nikhil Ravi

Nikhil Ravi

--

Rated 5 out of 5

I had a great experience working with Mayur Agrawal while choosing a health insurance plan for myself and my family. In a space where it's easy to feel overwhelmed with options, Mayur made the entire process simple and comfortable. One thing that really stood out was how well he listens. He took the time to understand our needs, concerns, and budget before suggesting anything. Unlike many advisors, he never pushed or forced a policy just to make a sale. Instead, he patiently explained the options and helped us choose the coverage that genuinely suited our family. His professionalism, transparency, and deep knowledge of the insurance space clearly show why he is one of the best in the field. If you're looking for someone trustworthy who truly prioritizes your needs, I highly recommend connecting with Mayur Agrawal. Thank you, Mayur Agrawal and Pillow Insurance, for helping us secure the right protection for our family!

Ritesh Agrawal

Ritesh Agrawal

Business Owner at Shri Ram Fruit Company

Rated 5 out of 5

Recently got my health insurance sorted, and I want to acknowledge Soumya for the support. He kept the process simple and clear. Broke down complex policy details into plain language. Helped compare options based on actual needs, not just pricing. Stayed responsive throughout and handled queries quickly. What stood out: • Clear explanation of coverage, exclusions, and claims • Honest guidance, no unnecessary upselling • Quick turnaround on documentation and issuance • Continued support even after policy purchase. If you are evaluating health insurance and want someone who focuses on clarity and trust, I recommend connecting with Soumya Ranjan Dash. Thank you again for the smooth experience.

Sargam D.

Sargam D.

Senior Security Consultant | Cyber Security | Ex KPMG

Rated 5 out of 5

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