We place cover with multiple insurers instead of selling one company's plan — so you see real premiums, real exclusions and real waiting periods before you decide.
*Indicative figures. The final premium, limit and terms depend on the insurer or issuer, your profile and your credit score.
Insurance is sold to most people once and never reviewed again. The policy that suited a single 28-year-old is rarely the one a married 38-year-old with two children and a home loan needs, yet the renewal goes out on auto-debit every year regardless.
We work the other way round. We start from what would actually go wrong for you — a hospital admission, a lost earner, a fire in the shop — and place cover against that with the insurer whose terms fit, not the one paying the best commission. Health, term life, motor, home, travel and business cover, all in one conversation.
We compare premiums and exclusions across insurers side by side rather than quoting a single company.
Waiting periods, room-rent caps and sub-limits explained before you pay, not discovered at claim time.
Most health and motor policies are issued the same working day once papers are in.
A policy is only worth what it pays. We handle the paperwork and follow the file through settlement.
Tell us the details below and an advisor calls you back within 24 working hours with the insurers you qualify for.
Cover type, who is being insured and the sum you have in mind.
Your profile goes to multiple insurers instead of one quote being pushed at you.
Premium, exclusions and waiting periods, disclosed before you commit.
Papers handled for you, and we stay on the file at claim time.
In a metro, ₹10 lakh is a sensible floor for a family of four and ₹20–25 lakh is comfortable. A single cardiac procedure in a good private hospital can run past ₹5 lakh, and a top-up policy above a base cover is far cheaper than buying the whole sum insured outright.
Most health policies pay nothing for the first 30 days except accidents, make you wait two to four years for pre-existing conditions, and have specific waits for things like cataract or hernia. It cannot be avoided, but it does not restart if you port your policy correctly — which is exactly why porting is worth doing properly rather than starting fresh.
That is the point of it. Term cover buys a very large sum for a small premium precisely because most people do not claim. A 32-year-old can often get ₹1 crore of cover for a few hundred rupees a week. Investment-linked policies bundle poor returns with thin cover; keep the two separate.
Sometimes it genuinely is, and we will tell you so. What the cheapest online quote usually strips out is the add-on that matters at claim time — zero depreciation, engine protect, return to invoice. We price the cover you would actually want to have, then compare.
Most rejections come down to something not declared at proposal stage, so we are careful at that end first. If a claim is repudiated we take it up with the insurer's grievance cell and, if needed, help you file with the Insurance Ombudsman. That service does not cost you anything extra.
Up to ₹20 Lakhs. Quick approvals for salaried & self-employed.
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