Term Life
Protection for dependants if the insured dies during the covered term. Match the sum assured to income needs and liabilities.
Home02 / PROTECT
For your family.
For your business.
For what matters.
Insurance starts with understanding the risk. We help you review the cover, important conditions and the questions to ask before you decide.
PERSONAL / RETAILProtection for
Protection for
everyday life.
Life savings plans
Endowment and ULIP options combine life cover with savings or investment features. Understand charges, guarantees and surrender terms.
Health
Individual and family-floater options for eligible medical expenses. Compare scope, limits and conditions alongside the sum insured.
Critical Illness
A defined benefit for specified illnesses meeting the policy definition. It serves a different purpose from hospital-expense cover.
Personal Accident
Cover for specified accidental death and disability events. Review the benefit schedule and occupational conditions.
Travel
Protection for specified medical and travel-related events. Match it to your destination, dates, activities and exclusions.
Motor
Car and two-wheeler cover for the chosen scope of liability and own damage. Check IDV, add-ons, deductibles and usage.
Home
Protection for the building, contents or both, against specified risks. Check insured values and the property description.
BUSINESS / COMMERCIALCover built around
Cover built around
the way you work.
Group Health
Employee mediclaim structured around the covered group. Review benefits, member data, limits and servicing needs.
Group Accident / Term
Group personal accident or life protection for eligible members. Check categories, benefits and the covered period.
Fire & Property
Cover for specified damage to property and business assets. Use appropriate values and check perils, locations and conditions.
Marine Cargo / Transit
Protection for goods on covered journeys. Check cargo descriptions, transit scope, valuation and packing conditions.
Liability
Public, product, professional indemnity and D&O requirements. Review insured activities, limits, exclusions and reporting conditions.
Engineering
CAR/EAR, machinery breakdown and related project or equipment risks. Match the cover to the asset, work and insurance period.
Commercial Package
Combined protection for shops and commercial establishments. Review each selected section and its limits separately.
Cyber
Cover for specified cyber incidents and related liabilities. Check security requirements, exclusions and incident-response arrangements.
A CLEAR WAY FORWARDBefore you buy
Before you buy
any policy.
- 01
Sum insured / sum assured
Check the cover amount and valuation basis. It is a policy limit, not an assured payment for every event.
- 02
Premium & policy term
Understand what you pay, when payment is due and when the cover starts and ends.
- 03
What is covered
Read the benefits, insured people or assets, activities, locations and territorial scope.
- 04
What is not covered
Read exclusions alongside endorsements and optional covers. Ask for written clarification if the scope is unclear.
- 05
Conditions & limits
Review deductibles/excess and sub-limits. Product-specific examples include health waiting periods and room limits, or motor IDV.
- 06
Claim process & documents
Know how to notify a claim, protect evidence and find the applicable requirements and deadlines.
- 07
Review and continuation rights
Check any applicable free-look period, renewability, portability or cancellation rights. Availability and rules depend on the product.
Some terms apply only to specific products — we’ll flag what matters for your cover.
FAMILIAR NAMES. INFORMED CHOICES.Explore insurers.
Explore insurers.
Understand your options.
LLIC
HLHDFC Life
IPLICICI Prudential Life
SLSBI Life
AMLAxis Max Life
TATata AIA
BLBajaj Life
KLKotak Life
SHStar Health
CHCare Health
NBNiva Bupa
HEHDFC ERGO
ILICICI Lombard
BGBajaj General
TATata AIG
NIANew India AssuranceLogos are the property of their respective owners; shown for insurer identification. Product availability and servicing arrangements depend on the insurer. No endorsement implied.
YOUR QUESTIONS, EXPLAINEDQuestions before you buy.
Questions before you buy.
Clear answers.
5 questions shown
Can you review a policy I already have?
Yes. Bring the schedule, wording and endorsements. We help identify what to check against your present needs.
Do you only work with health insurance?
No. We discuss a broad range of personal and business insurance requirements, including property, marine, engineering, liability and employee benefits.
Why do asset values matter?
The insured value and valuation basis can affect the amount payable. Review values, locations and the applicable underinsurance or average clause in your policy.
What should I do when a claim becomes difficult?
Keep the insurer’s written response, full policy and a dated timeline. We start with a document-led review.
Can I compare only the premium?
Compare the cover, limits, exclusions and servicing requirements as well. Similar prices do not mean identical protection.
START WITH YOUR REQUIREMENTLet’s understand