Manage your profile, notification preferences, privacy controls, and access permissions in one place.
Update your name, contact number, email address, and preferred language (English / Hindi) for all communications.
Choose which alerts you receive — policy renewal reminders, claim status updates, and new advisory articles.
Set visibility of your policy documents and claim history. Enable two-factor authentication for extra security.
Review active sessions, revoke access from old devices, and manage linked accounts for seamless login.
Key terms and conditions that remove ambiguity from your policy documents.
The sum assured is the fixed amount your nominee receives if the policyholder passes away during the policy term. It is not adjusted for inflation or investment returns. For example, a ₹1 crore term plan pays exactly ₹1 crore, no more. We help you calculate the right sum based on your current income, outstanding loans, and family expenses — not a random round number.
No. Most health insurance policies impose a waiting period of 2 to 4 years for pre-existing conditions. During this period, any claim related to a disclosed or undisclosed pre-existing disease will be rejected. We advise clients to declare every condition honestly at the time of purchase and to keep records of all medical reports. After the waiting period, coverage applies as per the policy schedule.
Own damage covers repair or replacement costs for your vehicle due to accidents, theft, fire, or natural calamities. Third-party liability covers legal damages you are liable to pay for injury or property damage caused to another person or their vehicle. A comprehensive motor policy includes both. We recommend comprehensive cover for vehicles less than five years old, and at least third-party for older models to stay legally compliant.
Yes, but only if the illness is sudden and documented by a certified medical professional. Chronic conditions or planned treatments are excluded. The policy typically reimburses non-refundable expenses like flight tickets and hotel bookings. We advise clients to purchase travel insurance within 24 hours of booking the trip and to keep all medical certificates handy in case of cancellation.
If you miss the renewal date, your policy lapses. For motor insurance, driving without valid coverage is illegal and can lead to fines. For health and term plans, a lapse means losing accumulated benefits and no-claim bonuses. Some insurers offer a grace period of 15 to 30 days, but no claims are payable during that window. We send reminders 30 days before expiry and help you renew online to avoid gaps.
No. Reputable insurers do not deduct any fees for processing a claim. The settlement amount is paid in full as per the policy terms. However, if you use a third-party service for claim assistance, that service may charge a separate fee. Our advisory service does not charge any hidden fees — we help you file the claim directly with the insurer at no extra cost.
Explore our curated articles on insurance topics that matter to Indian professionals.