✅ What to Check Before Buying a Health Insurance Plan

1️⃣ Check the Hospital Network
See if your preferred hospitals offer cashless treatment.

2️⃣ Understand Room Rent Limit
Check if single private room is allowed — this affects your final bill.

3️⃣ Look at Waiting Periods
Check waiting time for pre-existing conditions, maternity, and specific illnesses.

4️⃣ Compare Claim Settlement Ratio
Choose insurers with high and fast claim settlement.

5️⃣ Check No-Claim Bonus (NCB)
A good plan increases your sum insured every claim-free year.

6️⃣ See What’s Not Covered (Exclusions)
Always read exclusions to avoid surprises at claim time.

7️⃣ Choose the Right Sum Insured
For metro cities, ₹10–25 lakh cover is usually recommended.

8️⃣ Check OPD, Day-Care & Modern Treatment Coverage
Make sure your policy covers today’s real expenses.

9️⃣ Look for Restoration Benefit
If your sum insured gets used, it gets restored automatically.

“Choose us for the right guidance, best coverage, fast claim support, and complete clarity before you buy your health insurance.”

For your safety, kindly disclose any pre-existing health conditions (PED) — it helps avoid claim issues later.”

⭐ Our Health Insurance Partners

We are associated with India’s most trusted health insurers to provide you the best coverage options, wide hospital networks, and fast claim support.

ICICI Lombard General Insurance

HDFC ERGO

Manipal Cigna Health Insurance

Care Health Insurance

Niva Bupa

Reliance Health Insurance

TATA AIG General Insurance

MOTOR INSURANCE

OUR MOTOR INSURANCE PARTNERS

• ICICI Lombard

• HDFC ERGO

• Tata AIG

• Bajaj Allianz

• Reliance General

• Royal Sundaram

• SBI General

• Digit Insurance

• IFFCO Tokio

• Future Generali

• United India Insurance

THINGS TO REMEMBER

• Check the IDV – Ensure the insured value is not too low.

• Compare Premiums – Choose value, not just the lowest price.

• Look at Add-Ons – Zero-Dep, Engine Protect, and RSA can save big later.

• Verify Network Garages – More cashless garages = easier claims.

• Check Claim Ratio – Prefer insurers with strong claim settlement history.

• Know What’s Not Covered – Read exclusions to avoid surprises.

• Choose the Right Plan – Third-party vs Comprehensive.

• Declare NCB Honestly – To avoid claim rejection.

• Share Accurate Details – Wrong info may lead to denied claims.

• Check Voluntary Deductible – Higher deductible = lower premium, but higher payout by you.

LIFE INSURANCE PRODUCTS

• Term Insurance Plans – High coverage at low premium for financial security.

• Endowment Plans – Insurance + guaranteed savings.

• Money-Back Plans – Periodic payouts during the policy term.

• Whole Life Insurance – Lifetime protection with wealth creation.

• ULIPs (Market-Linked Plans) – Insurance with investment growth.

• Child Education Plans – Secure your child’s future milestones.

• Retirement / Pension Plans – Guaranteed income for post-retirement life.

Proudly associated with

• Bajaj Allianz Life Insurance

• HDFC Life Insurance

• ICICI Prudential Life Insurance

• SBI Life Insurance

• Axis Max Life Insurance

LIFE INSURANCE

Trusted Insurance Experts

With over 16 years in insurance, we provide honest guidance and reliable coverage tailored to your needs.

Our Experience

Client Care

We’ve helped over 1,000 clients with 100% claim settlements, supporting you from start to finish.

Our Services

Honest Guidance, No Misleading Promises

Best Plans, Best Premiums, Best Service

Health Cover

Comprehensive health plans with expert claim support every step

Motor Insurance

Reliable motor policies protecting your vehicle and your journey

iinsure me made choosing my health plan simple and stress-free.

Abhishek Ghosh

Their support during my claim was honest and truly reassuring.

Vipul Mehta

★★★★★

★★★★★

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