For individuals and families
Personal Insurance
Health, life, term and motor cover for you and your family, compared across insurers on terms as well as premium.
Health Insurance
Hospitalisation cover that behaves the way you expect at the counter.
Learn moreLife Insurance
Cover matched to what your family would actually need without you.
Learn moreMotor Insurance
Third party cover is the law. Own damage is what saves you money.
Learn moreTerm Insurance
The most cover per rupee, for the years it is actually needed.
Learn moreFamily Health Insurance
One sum insured, shared across the family - including parents.
Learn moreCar Insurance
Renew on time, at the right IDV, with add-ons worth paying for.
Learn moreTwo Wheeler Insurance
Bike and scooter cover, annual or long term.
Learn moreHow we choose a plan for you
Understand your situation
Family size, ages, existing cover, health history, loans and what you want protected.
Check the fine print
Waiting periods, room rent limits, co-pay, sub-limits and claim settlement record - the things that decide a claim.
Compare properly
Two plans at the same premium are rarely the same cover. We show you where they differ.
Renew on time
Reminders start 90 days out so continuity and waiting-period credit are never lost.
Claim with help
Cashless or reimbursement, we handle the paperwork with the insurer or TPA.
Frequently asked questions
Why use an insurance broker instead of buying direct?
A broker acts for you, not for one insurer. We approach several insurers for the same risk, compare the wordings as well as the premiums, and handle the claim on your behalf. Buying direct gives you one company's products and leaves the claim paperwork with you.
Does using a broker cost more?
No. Brokerage is paid by the insurer out of the premium and is regulated. The premium you pay is not higher for having used a broker, and a market comparison often lowers it.
Can you help with a policy I bought somewhere else?
Yes. We will review an existing policy and explain what it does and does not cover. We can also assist with a claim on a policy placed elsewhere, and take over servicing at the next renewal.
How long does a quotation take?
For standard personal cover, usually the same or the next working day. For a corporate programme it depends on how quickly the underwriting information is available - typically three to seven working days.
What happens if I claim?
Tell us as soon as the event happens. We confirm what the policy covers, list the documents needed, submit the claim, coordinate the surveyor or TPA, answer the insurer's queries and follow the file to settlement.
When should I start a renewal?
Ninety days before expiry for a corporate programme, thirty for personal cover. That is the point at which terms can still be negotiated. We send reminders at 90, 60, 30 and 15 days.
Not sure which plan actually fits?
Tell us who needs covering and what you hold today. We will compare it against the market and explain the difference.