INSURANCE
Health, life and term, accident, motor and business insurance — what each one does, what it does not, and how claims work. Explained simply, with a team you can call.
Pays hospital bills for you, your family or your parents.
Good to know: Check the room-rent limit, co-payment, waiting periods and sub-limits — these decide how much of a bill is actually paid.
Protects your family's income if you are not there.
Good to know: Term cover is usually sized to 10–15 times yearly income plus loans. Try the term cover calculator for your own numbers.
Money if an accident causes death, disability or loss of income.
Good to know: Health insurance pays the hospital; accident cover pays you. Many families need both.
Your vehicle, home, shop and travel.
Good to know: Third-party motor insurance is compulsory by law. Own-damage cover protects your own vehicle.
For business owners and their employees.
Good to know: Group cover through an employer usually ends when the job ends — a personal policy stays with you.
Most problems start on the proposal form, long before the claim.
Illnesses, medicines, past surgeries, smoking and alcohol habits. A missing or wrong answer can cancel a claim years later.
Room rent, co-payment, disease-wise sub-limits and waiting periods decide how much of a bill is paid.
A lapsed health policy can mean losing the waiting periods you have already served.
A correct nominee and contact details make life and accident claims faster for your family.
The insurer decides and settles the claim as per policy terms. Our team helps you with the process.
Tell the insurer (and us, on 097253 53500) before a planned admission, or as soon as possible in an emergency.
At a network hospital, ask for cashless. Otherwise pay, keep every bill and claim later.
Claim form, ID, policy copy, discharge summary, bills, reports and prescriptions — complete and legible.
Reply quickly to any query from the insurer until the claim is settled.
It depends on your city, family size and ages. Our health cover calculator gives a simple guide. Medical costs rise every year, so review your cover every few years.
Employer cover usually ends when you leave the job, and it may not be enough for the whole family. A personal policy keeps your cover and waiting-period benefits with you.
Always declare it. Many plans cover pre-existing diseases after a waiting period. Not declaring a health condition is one of the most common reasons claims get rejected.
Yes. Health policies can be ported at renewal, and waiting periods already served are carried over as per IRDAI rules. Apply before the renewal date.
After you receive a new policy, you get a free-look period (usually 30 days for most policies) to read it and return it if it does not suit you, as per the policy terms.
First write to the insurer's grievance cell. If it is not resolved, you can approach IRDAI's Bima Bharosa portal or the Insurance Ombudsman.
Have questions about a policy you already have, or about the cover your family may need? Share your number and our team will call you to explain — no charge, no pressure.
Or WhatsApp us on 097253 53500Our team will call you soon — Monday to Saturday, 9 am to 6 pm.
Want to talk now? WhatsApp usInsurance is the subject matter of solicitation. For more details on risk factors, terms and conditions, please read the sales brochure and policy wording carefully before concluding a sale. Claims are settled by the insurance company as per policy terms and conditions. Content on this page is for general education.
