Professional Health Insurance Solutions Tailored for You

Health Insurance Consultancy tailored to your unique needs. Secure your future with confidence.

Comprehensive Health Insurance Solutions

Health Insurance: Customized plans that secure your well-being.

Modern Home

Family Health Insurance

Give your loved ones the care they deserve health protection with plans designed for every stage of life. From hospital care to preventive services, we've got you covered. Our experts guide you to affordable, reliable family health insurance plans. 

A family health insurance plan (often called a “family floater”) provides a shared sum insured for all members—typically you, your spouse, children, and sometimes parents.
Instead of each person having their own coverage, everyone uses the same pool of money.

Financial Documents

Maternity Insurance Plan


Plan ahead for life’s most precious moments with comprehensive maternity coverage.  Maternity health insurance is a type of policy (or add-on to a regular health plan) that covers pregnancy-related expenses, including delivery and newborn care. It helps reduce the high costs associated with childbirth and medical care before and after delivery. Make your parenthood journey smoother with affordable maternity insurance.  From prenatal to postnatal care, we help you find the best plans for a safe and stress-free journey.


Business Meeting

Pre-Existing (ABCD rider)

Specialized insurance plans for senior citizens and people with specific conditions like (Asthama, Blood pressure, Cholesterol, Diabetes).coverage designed for lifestyle disease.

Cardiac care insurance plan - protection for heart related conditions. ABCD rider is an add-on to your base health insurance policy that provides coverage for medical expenses related to pre-existing illnesses. It ensures that your past medical history doesn’t become a financial burden in the future.


Personal Finance

Travel Insurance Plan

Travel Smart. Travel Safe. Travel Worry-Free.  

Travel Insurance is a comprehensive policy that protects you from unforeseen events while traveling—such as medical emergencies, trip cancellations, lost baggage, or flight delays.


It’s your safety net when things don’t go as planned.

Debt Management

Group Health Insurance

Healthy Employees. Stronger Business.

Your employees are your greatest asset. With our Group Health Insurance Plan, you can protect their and their health while building a happier, more productive workplace.  It ensures that your team has access to quality healthcare without financial stress.

Financial Planning

Top-Up  Plans


Stay Connected. Stay in Control


A Top-Up Plan is an additional health insurance cover that activates once your medical expenses exceed a specified limit (known as the deductible).

It helps you enhance your existing health coverage without significantly increasing your premium.  

Financial Planning

Health Insurance Renewals

Keep Your Coverage Active. Stay Protected Always.

Your health is your most valuable asset, and uninterrupted coverage is key. Renewing your health insurance ensures that you and your family continue to enjoy financial protection against medical emergencies—without any gaps.

Avoid policy lapse and stay protected at all times. We recommend renewing your policy at least 7–10 days before the expiry date to avoid last-minute issues and ensure seamless continuation.


Financial Planning

Insurance
 Claims

Fast. Transparent. Hassle-Free.

Filing a health insurance claim shouldn’t be stressful. Our streamlined claims process ensures that you get financial support quickly when you need it the most so you can focus on recovery, not paperwork.


Claims can be cashless (direct settlement at network hospitals) or reimbursement (refund for expenses already paid).

It helps you enhance your existing health coverage without significantly increasing your premium.  

Financial Planning

Health insurance on easy EMI

Healthcare expenses are unpredictable. Quality healthcare shouldn’t be delayed due to budget constraints. You can secure your health now without worrying about a big one-time payment. Buying health insurance is now simpler and more affordable with our easy EMI facility. Instead of paying the full premium upfront, you can split it into convenient monthly payments—making financial planning easier while staying protected and get full policy benefits from day one.


About Health Policy Guru

Hi, I’m Harika Santosh
I started my journey in the health insurance industry in August 2012 with a simple mission to help families stay financially safe during medical emergencies. I began working as a health insurance advisor with Niva Bupa and Star Health Insurance, from day one, it was not just about selling policies it was about supporting people when they needed it the most. Building Trust, One Family at a Time. Over the years, we’ve helped hundreds of happy customers:
✔️ Choosing the right health insurance
✔️ Supporting during claim settlements
✔️ Upgrading to better policies as their needs changed
As our experience grew, we partnered with more trusted insurers like:
 
Care Health Insurance
 
HDFC ERGO Health Insurance
 
Manipal Cigna Health Insurance

We didn’t stop at individuals. We started providing Group Health Insurance for companies from small start ups with 7 employees to organizations with 300+ employees. Because every employee deserves protection.

The Turning Point – COVID-19 (2020)
When the COVID-19 pandemic hit, everything changed.
People had questions:
“What is health insurance?
“Where should I buy it?
“Which policy is best for me?
There was confusion, fear and urgency. 
That’s when we stepped forward by spreading awareness through YouTube. We started creating YouTube videos to:
✔️ Explain health insurance in simple language
✔️ Guide people on how to choose the right policy
✔️ Create awareness when it mattered the most
The response was overwhelming ❤️People trusted us. Every recommendation was personalized because every health case is different.

Today, we proudly present Health Policy Guru

A platform built to guide, support, and protect every individual and family. We are not just agents, we are your Health Insurance Experts.
🎯 Our Promise
✔️ Honest guidance
✔️ Best policy based on your needs
✔️ End-to-end claim support
✔️ Long-term relationship & trust

“Health emergencies are unpredictable But your financial protection doesn’t have to be.”

Let the Health Policy Guru guide you.
Find Your Perfect Plan

Our Simple 3-Step Process

We make securing your health policy straightforward and stress-free.

Consultation & Assessment

We start by understanding your requirement & medical history and what you're looking to achieve.

Solution & Application

Based on your needs, we identify the best options and guide you through the best suitable health policy for you.

Approval &
 Closing

We work diligently through the application filling and ensure smooth, timely issuance of the policy.

What Our Clients Say

Don't just take our word for it. Hear from individuals, our happy satisfied customers with Health Policy.

Given me best product from the industry without effecting my continuity and seniority at best price.

Client Avatar
Shaik Shavalli D
Local Guide 

Good knowledge on health insurance.... Can be customize as per the redquirement....

Client Avatar
Ashok kumar kodumuri
Local Guide

Excellent service!The agent explained the health policy clearly and helped us choose the best plan 

Client Avatar
Venkatesh mulakala

Ready to Discuss About Your Health Insurance Policy

Contact us today for a personalized consultation. We're here to help you every step of the way.

Send Us a Message

width="100%" height="100%" style="border:0;" allowfullscreen="" loading="lazy" referrerpolicy="no-referrer-when-downgrade" title="Apex Financial Solutions Office Location">

Our Office

Map Pin IconSri Harsha residency, 2, Padma Nagar Phase II Ln, Chinthal, Quthbullapur, Hyderabad, Telangana 500054

Phone Icon090007 86666

Mail Icon [email protected]

Clock Icon Mon - Sun: 9:00 AM -10:00 PM