Find answers to common questions about insurance consultancy, our
services, and how we can help you make informed insurance decisions.
An insurance consultancy provides unbiased advice to help you choose
the best insurance policy for your needs. Unlike insurance agents
who work for specific companies and earn commissions from policy
sales, consultants work for you. We compare policies across multiple
insurers, provide transparent recommendations, and focus on your
best interests—not sales targets.
We offer a free initial consultation to understand your insurance
needs. For individuals, our advisory services are typically free of
charge as we receive a commission from insurers when you purchase a
policy through us. For corporate clients and complex advisory
services, we may charge a consulting fee. We're always transparent
about our fees upfront—no hidden charges.
We provide consultancy across all major insurance types: Health
Insurance, Term Life Insurance, Motor Insurance (car/bike), Travel
Insurance, Fire & Property Insurance, Cyber Fraud Insurance,
Personal Accident Insurance, Group Health Insurance for corporates,
Commercial Property Insurance, and Liability Coverage. We also offer
wealth management and financial planning services.
During our consultation, we assess your family medical history,
current health status, age, budget, and specific requirements (like
maternity coverage, critical illness, pre-existing conditions). We
then compare policies from top insurers, explaining coverage limits,
exclusions, waiting periods, claim settlement ratios, and network
hospitals. Our goal is to find a policy that offers the best value
and protection for your unique situation.
Absolutely! We provide full claims assistance. We help you
understand the claims process, ensure all required documentation is
in order, liaise with the insurance company on your behalf, and
follow up until your claim is settled. Our support continues long
after you purchase a policy.
Yes, we are a licensed and registered insurance broker with the
Insurance Regulatory and Development Authority of India (IRDAI). Our
license number and registration details are available on request and
comply with all regulatory requirements.
Once you've chosen a policy and completed the necessary
documentation, most insurance policies can be issued within 24-48
hours. Health insurance policies with medical underwriting may take
7-15 days depending on the insurer's requirements. We expedite the
process wherever possible and keep you informed at every step.
Generally, you'll need: Identity proof (Aadhaar, PAN card,
Passport), Address proof, Age proof, Passport-size photographs, and
Income proof (for life insurance). For health insurance, medical
history may be required. For vehicle insurance, you'll need the
vehicle's RC book and previous policy documents. We'll provide a
complete checklist based on your specific policy requirements.
Yes! We can help you port your existing health insurance policy to a
different insurer without losing accumulated benefits. For other
insurance types, we'll review your current policy, identify better
alternatives, and guide you through the switching process at renewal
time to ensure continuous coverage.
Yes, we specialize in corporate insurance solutions including Group
Health Insurance, Group Term Life Insurance, Directors & Officers
Liability, Professional Indemnity, Fire Insurance for commercial
properties, and Workers' Compensation. We work with businesses of
all sizes—from startups to large enterprises.
Term life insurance provides pure life cover for a specific period
at affordable premiums. The coverage amount (sum assured) should
typically be 10-15 times your annual income to ensure your family's
financial security. We use the Human Life Value (HLV) calculation
method to determine the right coverage based on your income,
liabilities, dependents, and financial goals.
Cyber fraud insurance covers financial losses from online fraud,
phishing attacks, identity theft, social engineering scams, and
unauthorized transactions. With increasing digital transactions in
India, this coverage is becoming essential. It typically covers
losses up to ₹1-5 lakhs and includes legal assistance. If you
frequently use online banking, UPI, credit cards, or shop online,
this insurance provides valuable protection.
The claim settlement ratio (CSR) indicates the percentage of claims
an insurer has settled out of total claims received in a year. For
example, a 95% CSR means the insurer approved 95 out of every 100
claims. A higher CSR (above 90%) generally indicates better claim
settlement practices. However, we also consider claim settlement
time, customer reviews, and our own experience with the insurer when
recommending policies.
Yes, several insurers offer health insurance for senior citizens
with pre-existing conditions. However, these conditions typically
have a waiting period of 2-4 years before coverage begins. Some
policies offer coverage with specific exclusions or higher premiums.
We specialize in finding the best senior citizen health insurance
plans that accommodate pre-existing conditions with reasonable
terms.
Cashless claims allow you to receive treatment at network hospitals
without paying upfront—the insurer settles directly with the
hospital. Reimbursement claims require you to pay the hospital bills
first and then submit claims to the insurer for reimbursement.
Cashless is more convenient but limited to network hospitals. We
always recommend checking the network hospital list before
purchasing a policy.
Yes, personal accident insurance provides additional benefits that
life insurance doesn't cover, such as permanent total/partial
disability, temporary total disability (income replacement),
accidental medical expenses, and education support for children.
Since accidents can lead to disability rather than death, this
coverage is essential for comprehensive protection. It's also very
affordable—typically ₹500-2000 annually for ₹25-50 lakh coverage.
We recommend reviewing your insurance portfolio annually or after
major life events like marriage, childbirth, home purchase, job
change, or significant income increase. Healthcare inflation and
changing life circumstances may require increasing your coverage. We
provide complimentary annual policy reviews to all our clients to
ensure your coverage remains adequate and cost-effective.
Most policies offer a grace period of 15-30 days for premium
payment. If you miss this window, your policy may lapse. For term
insurance, you can revive the policy within 2-5 years by paying
pending premiums with interest and undergoing medical tests. For
health insurance, missing renewal means losing accumulated benefits
like no-claim bonus and pre-existing disease waiting period
completion. We send renewal reminders to help you avoid lapses.
Yes, though hazardous occupations (mining, aviation, armed forces,
offshore workers, etc.) may require higher premiums or specific
policy terms. Some insurers specialize in covering high-risk
professions. We'll assess your occupation, find suitable insurers,
and negotiate the best possible terms. Always disclose your
occupation accurately—non-disclosure can lead to claim rejection.