Frequently Asked Questions

Do you offer free consultations to new customers?

Free consultations are offered to every new customers. We value our customers so much that we want them to be 100% sure of what  benefits they are going to get by associating with us.

Why do I need to buy insurance?

Life is full of uncertainties. We face various risks in our day to day life including risks to our life, health, property and so on. Insurance is a financial tool specially created to reduce the financial impact of unforeseen events and create financial security.

Will my No Claim Bonus get migrated if I want to change my insurance company?

Yes, you can avail of the NCB facility if you change the insurer on renewal. You would have to produce proof of the NCB earned by way of renewal notice from the current insurer. Alternately, you can produce your original, expiring policy along with a certification that you have lodged no claims on the expiring policy. For this the proof can be in the form of a renewal notice or a letter confirming the NCB entitlement from the previous insurer.

What are the documents that are required to be submitted for a Motor Insurance claim?

The following documents are required to be submitted. Duly filled in claim form, RC copy of the vehicle, Original estimate of loss, Original repair invoice and payment receipt. In case cashless facility is availed, only repair invoice would need to be submitted and FIR, if required. For theft claims, the keys are to be submitted. Theft claims would also require non-traceable certificate to be submitted.

What is cashless facility?

Insurance companies have tie-up arrangements with several hospitals all over the country as part of their network.  Under a health insurance policy offering cashless facility, a policyholder can take treatment in any of the network hospitals without having to pay the hospital bills as the payment is made to the hospital directly by the Third Party Administrator, on behalf of the insurance company.  Cashless facility, however, is not available if you take treatment in a hospital that is not in the network.

What are special medical reports required to be submitted in Life insurance?

In case of certain proposals, depending upon the age of entry, age at maturity, sum assured, family history and personal history, special medical reports may be necessary for consideration of a risk. E.g. if the proposer is overweight, special reports like Electro Cardiogram, Glucose Tolerance test etc could be required, while for underweight proposers, X-ray of the chest and lungs with reports could be required.

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