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In cashless, the insurer pays an eligible bill directly to a network hospital. In reimbursement you pay first and claim back with documents.
A floater is usually cheaper but the sum insured is shared. Separate policies give each person a full cover amount, which can suit families with older members.
Often yes, with a waiting period or loading for that condition. Declare it honestly; we can help match you with suitable plans.
After 60 months of continuous cover with the same insurer, claims generally cannot be contested on grounds of non-disclosure except for fraud.
Hospitalisation due to infectious illnesses is generally covered as with any illness, subject to policy terms. Check for epidemic-specific clauses.
A plan that pays once your claim crosses a deductible. It is a low-cost way to increase total cover on top of a base policy.
Premiums may qualify for deduction under Section 80D under the old tax regime, within limits. Check current rules with a tax professional.
You can port at renewal. Waiting-period credits already served and bonus are generally carried to the extent of the earlier sum insured.
Yes. Every motor vehicle used on public roads must have at least third-party insurance under the Motor Vehicles Act.
Insured Declared Value is the vehicle’s market value for insurance and the maximum payout on total loss or theft.
A discount on your own-damage premium for each year without a claim. It belongs to you, not the vehicle, and can usually be transferred to a new vehicle.
It pays the full cost of replaced parts without deducting depreciation. It is usually available for newer vehicles.
Not always. It is required for theft, third-party injury, death or major damage, and may be requested in other cases.
Renew immediately. A break can lose the bonus and may need an inspection. Driving uninsured attracts a penalty.
Yes. You may switch and generally keep your no-claim bonus with proof.
Normal wear and tear, mechanical breakdown, driving under the influence, driving without a valid licence and consequential losses are typical exclusions.
A common rule of thumb is 10–15 times annual income, adjusted for loans, dependents and goals. Use the calculator for a personalised estimate.
Term gives high cover at low cost and pays only on death. Endowment gives lower cover but also a maturity amount.
A window after receiving your policy to review it and cancel for a refund, minus certain deductions. Check the exact period in your policy.
Yes, subject to the insurer’s financial underwriting norms, often linked to the earning spouse’s cover.
Most policies give a grace period (commonly 15 or 30 days). After that the policy may lapse, but can usually be revived within a stated period.
Death benefits are generally tax-free. Maturity proceeds may be exempt under Section 10(10D) subject to conditions. Verify the latest rules.
The person you name to receive the benefit. A nominee collects the money; legal heirs may have rights under succession law.
Some plans offer increase options at life events such as marriage or birth of a child. Otherwise you may buy additional cover.
Anyone whose income supports others, including loan repayments and children’s goals.
Think of it like a fire policy on your home: you pay for protection, not for a return. Return-of-premium variants exist but cost more.
It depends on age, health, smoking, term and cover. We provide personalised quotes from suitable insurers.
Both are possible. We can help you compare and complete the process in either way.
Cover ends after the grace period, and there is usually no payout since term plans have no surrender value in most cases.
Premiums may qualify for Section 80C (old regime) and death proceeds are generally tax-free under Section 10(10D). Verify current rules.
Yes. Premiums for women are often lower, and the Married Women’s Property Act option can protect proceeds for wife and children.
The percentage of claims an insurer paid out of those received in a year. Look at it alongside amount-based ratios and time taken.
Savings plans bundle life cover with guaranteed or bonus-linked benefits. Mutual funds are market-linked with no cover and higher potential variability.
Only components stated as guaranteed in the policy. Bonuses and ULIP values are not guaranteed.
Often after a lock-in or minimum period through partial withdrawal, loan or surrender, subject to terms.
Savings plans are meant for the long term, often 10 to 25 years. Choose a term matching your goal.
It may be exempt under Section 10(10D) subject to conditions, such as the premium-to-cover ratio and aggregate premium limits.
A five-year period during which units cannot be surrendered or withdrawn, except in specified cases.
Check the grace period, premium-paid-up options and revival possibilities.
Plans with waiver of premium and payouts timed to admission years are common; we can help you compare.
As early as possible. Starting in your 20s or 30s makes the required monthly amount far smaller.
NPS is a regulated contribution scheme with market-linked funds and an annuity requirement; insurance pension plans may offer guarantees and cover.
A series of regular payments from an insurer, usually for life, in exchange for a lump sum.
Annuity income is generally taxable. Some lump-sum components may be exempt; rules change, so verify.
Usually only in limited cases or with penalties. Pension products are designed to protect retirement money.
If a spouse depends on the income, it is worth considering despite the lower initial payment.
Combine annuities with growth investments or choose increasing annuities.
Many deferred plans give a death benefit during accumulation; it varies by product.