Help & Answers
Frequently Asked Questions
Answers to common questions about Health Insurance, Life Insurance, Claims and Policies.
Health Insurance
Hospitalization coverage, cashless claims, family floaters, and waiting period queries.
Life Insurance
Term insurance vs endowment plans, nominee settlement, and maturity benefits.
Claims Assistance
Document collection, reimbursement timelines, pre-auth, and TPA coordination.
Policy & Portability
Switching providers, retaining waiting period credit, and policy endorsements.
Motor & Vehicle
Third-party vs comprehensive, zero depreciation cover, and No Claim Bonus (NCB).
General Advisory
Comparing quotes, tax deduction benefits under Section 80D, and agent advisory.
Health Insurance
Most health insurance policies cover hospitalisation expenses, pre and post-hospitalisation costs, day-care procedures, and ambulance charges, subject to the terms of your specific plan. Our advisors can walk you through what a particular policy includes.
Yes, family floater health insurance plans let you cover yourself, your spouse, children, and sometimes parents under a single sum insured, which can be more cost-effective than individual policies.
Life Insurance
Term insurance is a type of life insurance that provides pure risk cover for a fixed period at a lower premium, with no maturity benefit if the policyholder survives the term. Other life insurance plans may combine protection with savings or investment.
Claims
You can register your claim by contacting our claims team with your policy number and incident details. We will guide you through document collection, submission and follow-up until your claim is settled.
Typically you will need your policy document, ID proof, and event-specific documents such as hospital bills and discharge summary for health claims, or an FIR and repair estimate for motor claims. Requirements vary by insurer and claim type.
Policy
Yes, in many cases you can port your policy to a new insurer while retaining continuity benefits such as waiting period credit, subject to insurer terms and porting regulations.
General
Our advisors compare plans across coverage, premium, claim settlement track record and exclusions so you can choose coverage that genuinely fits your needs rather than just the lowest premium.
Still Have Questions?
Our insurance advisors in Coimbatore are ready to explain policy terms and guide your choice.