Health
[Family floater, top-ups and super top-ups for [City] hospital costs.]
Watch for
- —[Room-rent cap and proportionate deduction]
- —[Pre-existing waiting period]
- —[Co-pay above a certain age]
We read the wording before you buy, tell you what is not covered, and handle the claim when it happens. As a licensed broker we place with [XX] insurers — and we will tell you when your existing policy is already the better one.
A rough indication of the life cover that would replace your income and clear your liabilities. This is arithmetic, not advice — the number changes once dependants, assets and existing policies are properly assessed.
Illustrative arithmetic using an income-replacement rule of thumb. Not a recommendation, quotation or financial advice. Your actual need depends on assets, dependants, health and goals — and premium depends on age, health and underwriting.
Brokers earn commission from insurers. That is how the industry works, and pretending otherwise is the problem. Here is what we earn on each line, so you can judge our advice knowing it.
Because commission varies between products, ask us directly whenever our recommendation happens to be the higher-paying one. We will show you the comparison.
We do not sell investment-linked policies as savings products. If you want investment, see a fee-only adviser.
[Family floater, top-ups and super top-ups for [City] hospital costs.]
[Pure protection. No maturity benefit — that is the point of it.]
[Own-damage and third-party, with the add-ons that actually pay out.]
[Group health, liability, property and marine for [X]–[XXX] employee firms.]
[One number, [XX] hours. We notify the insurer within the intimation window — missing it is a common rejection ground.]
[We tell you exactly which documents matter and check them before submission, not after a query.]
[Weekly follow-up with the TPA or surveyor, and we escalate when the file stalls.]
[We appeal, and if that fails we help you file with the Insurance Ombudsman. At no charge.]
“[A client quote about a claim that was handled — ideally one that was initially queried or rejected and then resolved. Specific beats glowing.]”
All claim statistics are placeholders and must be replaced with your own auditable figures. Past claim experience does not indicate how any future claim will be decided.
Anything else, call [PHONE] or email [EMAIL]. Our IRDAI licence number is [XXXXXX].
Message an adviser[Explain that premium is filed with IRDAI and does not change by channel, and that the broker commission comes out of the insurer's expense allowance. Say it plainly — people assume otherwise.]
[Yes — and explain why switching health cover restarts waiting periods, which usually makes staying put the right call. Naming the case where you earn nothing is the most persuasive thing on this page.]
[Non-disclosure at proposal stage. Explain what must be declared, why "the agent said it was fine" is no defence, and how you handle the proposal form differently.]
[Explain that it ends with the job, usually has low sum insured, and that waiting periods on a personal policy are best started early rather than at 45.]
[State your position on mixing insurance with investment, and what you recommend instead. If you do place these products, disclose that and explain when they genuinely fit.]
[Explain that the policy is yours and how servicing transfers, with no exit cost. Nothing about the policy changes.]
We read the wording — not the brochure — and come back with what is covered, what is excluded, and whether there is any reason to change. Often there is not.
Illustrative only — wire the form to your CRM and replicate this logic server-side.