Most people buy a policy they have never read, from someone they will never hear from again. This site is the other way round: read first, decide second, and know exactly who picks up the phone on the day you claim.
Steady guidance. No salesy fog. If a plan does not make sense in one plain sentence, it is not the right plan for you.
Almost everything else sold as insurance in India is an investment product wearing a policy jacket. Get these two right and the rest is optional.
A single hospital admission in NCR can undo a decade of saving. Health cover exists to stop a medical event from turning into a financial one — nothing more romantic than that.
Term cover is not for you. It is a substitute salary for the people who depend on yours, sized to their goals and your liabilities — not to whatever premium felt comfortable.
Written the way it gets explained across a table — no jargon left standing, no product pushed at the end.
Its whole job is to put you back where you stood before the loss. Not ahead of it. Once that clicks, half the market stops making sense — usefully so.
Read →Every year you pay for a promise. On exactly one day, that promise gets tested. Everything before it is preparation for that day.
Read →People spend weeks comparing riders they will never use and ten minutes on the room-rent clause that decides the payout. Here is the short list worth paying for.
Read →Almost none of them happen in the hospital. They happen years earlier, on the proposal form, in a blank left unfilled.
Read →Ask these of any advisor, any website, any bank relationship manager. The answers tell you more than the brochure ever will.
Read →A goal-based worksheet and a live estimator. Bring your own numbers; the arithmetic is done in front of you, not behind a form.
Open →A policy is a sentence written years in advance, to be read out on the worst week of your life. It should be worth reading now.
Who depends on you, what you owe, what you already hold, and what has been promised to you before. Most people already own something — often the wrong thing, sometimes the right thing badly understood.
Before anything new is discussed, whatever you already have is read properly — waiting periods served, room-rent conditions, riders quietly attached. Sometimes the answer is to keep it and top it up, not replace it.
Every policy has a weak spot. You will hear it from him rather than discover it at discharge. Where a plan is genuinely not worth the premium, that gets said too.
Proposal filled honestly and in front of you, a copy of everything kept on file, and the same phone number available when a claim needs intimating at eleven at night. More on how claim support works →
Twenty-six years in the same catchment means knowing which hospitals in East Delhi and Ghaziabad settle cashless smoothly, which ones need a reimbursement plan ready, and how NCR room tariffs interact with a room-rent cap. Meetings happen at your home, at his desk, or over a call — whichever is less trouble for you.
A floater of ₹10–25 lakh is the honest working range for a young family in NCR today, and higher if a parent is included. But the number is the least important part of the decision.
A ₹25 lakh policy with a 1% room-rent cap can pay you less than a clean ₹10 lakh policy, because a proportionate deduction applies across the entire bill, not just the room. Sum insured is the headline; the conditions attached to it decide the cheque. The checklist walks through both →
No. Premiums are filed with IRDAI by the insurer, and distribution cost sits inside that tariff whether or not a person is involved. Buying direct does not refund it to you.
What changes is who reads the wording before you sign, and who is reachable when a claim is queried at eleven at night. That is the whole difference — worth having, but it is not sold here as a favour.
Overwhelmingly, non-disclosure at the proposal stage — a condition, a past surgery, or a habit that never made it onto the form, often because an agent filled it in for speed.
The second big category is not rejection at all, but a partial payout that feels like one: room-rent limits, co-pay, and disease-wise sub-limits doing exactly what the wording always said they would. All fourteen reasons, with what to do instead →
Yes. IRDAI portability lets you move to another insurer at renewal and carry forward the waiting periods you have already served, pre-existing conditions included. Apply at least 30 days before your renewal date.
Two cautions: the new insurer still underwrites you afresh and can decline or load the premium, and credit carries only up to your existing sum insured — the increased portion starts its own clock. Never let the old policy lapse until the new one is issued in writing.
No obligation, no follow-up calls you did not ask for. If the right answer is to keep what you already have, that is a perfectly good outcome.