Twenty-six years advising families across Delhi NCR on health and life cover. Same catchment, same phone number, largely the same way of working.
He started in 1999, when a policy meant a physical file, a receipt book, and a conversation at somebody's dining table. Most of the industry has moved on from all three. He kept the third.
The work has not changed as much as the tooling suggests. A family still needs to know what would happen if the earning member stopped earning. Somebody still has to read the room-rent clause out loud. And when a claim is queried at eleven at night, somebody still has to answer the phone.
What he does is unremarkable and consistent: understand the household first, read whatever policies already exist before proposing anything new, name the weak spot in every option, and stay reachable afterwards. Where the right answer is to keep an existing policy and change nothing, that is what gets said — it happens more often than people expect.
Buying insurance online has been a genuine improvement. Prices are visible, comparison is possible, and nobody has to wait for an agent to be free on a Tuesday.
What did not come along with it is the part where somebody explains what a proportionate deduction is before you need to know. So this site is the explaining, written down: what cover is actually for, why the claim is the only part that counts, which add-ons are worth the money, and the fourteen mistakes that undo an otherwise good policy. All of it is free to read, and none of it requires talking to him.
If it turns out you want a second pair of eyes after that, the number is at the bottom of every page.
Steady guidance. No salesy fog.
Before anything is proposed, whatever you already hold gets read — waiting periods served, caps, riders quietly attached at renewal. Replacing a policy that has served three years of waiting periods is usually the wrong move, and it is worth saying so early.
Every plan has a weak spot. You hear it from him rather than finding it at discharge. Where nothing on offer is worth your premium, that gets said too.
Never pre-filled, never signed blank. Answers read back before signing, a copy kept on file. This is the single habit that prevents most contested claims.
Intimation, pre-authorisation follow-up, queries answered the same day, and escalation if it comes to that. No outcome is promised — but the file is complete and somebody is chasing it. What that involves →
Based in Vivek Vihar, East Delhi, and working across the city and the NCR belt — Shahdara, Preet Vihar, Laxmi Nagar, Mayur Vihar, Anand Vihar, Karkardooma, Dilshad Garden, Ghaziabad, Indirapuram, Vaishali, Vasundhara, Kaushambi, Noida and Greater Noida. Conversations happen at your home, at his desk, or over a call — whichever is less trouble. Hindi or English, whichever is easier.
A first conversation costs nothing and commits you to nothing. If the outcome is that you change nothing, that is a perfectly good outcome.