Insurance Solutions
Term, health and general cover sized to what your family would actually need — not to a target sum assured that sounds impressive.
Who this suits
Anyone with dependents, a home loan, or no cover at all yet. Also useful when reviewing an old policy that may no longer fit your situation.
What's included
- Term life cover, sized against income replacement and outstanding loans, not a round number
- Health insurance — individual and family floater — checked against your existing employer cover, if any
- General insurance: motor, home, travel and personal accident cover
- A comparison of premium versus cover across insurers, laid out side by side before you decide
How it works
Needs assessment
Income, outstanding loans and dependents mapped honestly, to size the cover — not to hit a round number.
Compare across insurers
Premium, cover, exclusions and claim settlement ratio laid out side by side.
Complete the proposal
Application form, disclosures, and medical tests where required by age or sum assured.
Policy issuance & review
Policy document delivered, nominee confirmed, and cover reviewed at each renewal or life event.
Frequently asked
Q.How do I file a claim?
Inform the insurer directly (we can assist with the paperwork), submit the claim form with supporting documents, and the insurer processes it as per policy terms and IRDAI timelines.
Q.Can I port an existing policy to a better one?
Health insurance is portable to another insurer without losing waiting-period credit, if applied for before renewal. Life insurance is generally not 'ported' the same way — a new term plan is taken alongside or instead.
Q.What is the free-look period?
Typically 15–30 days after receiving the policy document, during which you may return the policy for a refund (minus certain deductions) if the terms don't match what was explained.
Q.Does a pre-existing condition block a health policy?
Not necessarily — it may mean a waiting period or a loaded premium rather than outright rejection. This varies by insurer and condition.