Health insurance typically covers hospitalization expenses, doctor fees, surgery costs, ambulance charges, and pre/post-hospitalization care. Many plans also cover daycare procedures, maternity, and preventive health checkups.

Yes, most health plans have a waiting period of 2-4 years for pre-existing diseases. However, some plans offer reduced waiting periods or coverage from day one at higher premiums.

Yes! Under Section 80D of the Income Tax Act, you can claim deduction up to ₹25,000 for yourself and family, and up to ₹50,000 if you're a senior citizen or paying for parents.

Term insurance provides coverage for a specific period (e.g., 20-30 years) at lower premiums. Whole life insurance covers you for your entire lifetime and includes an investment component with cash value accumulation.

A general rule is 10-15 times your annual income. Consider your debts, future expenses (children's education, marriage), and family's monthly needs. Our advisors can help calculate the right amount.

Most policies offer a grace period of 15-30 days to pay the premium. If not paid within this period, the policy may lapse. You can usually reinstate it within a certain timeframe by paying overdue premiums.

Third-party insurance covers only damages to other people or property. Comprehensive insurance covers both third-party liabilities AND damages to your own vehicle from accidents, theft, fire, natural disasters, etc.

NCB is a reward for not making any claims during the policy year. You can get up to 50% discount on your premium for claim-free years. NCB stays with you even if you switch insurers.

Yes, third-party insurance is mandatory under the Motor Vehicles Act. Driving without insurance can result in fines up to ₹2,000 and/or imprisonment. Comprehensive coverage is optional but highly recommended.

It depends on your business type. Common coverages include: Property Insurance, Liability Insurance, Business Interruption Insurance, Workers' Compensation, and Cyber Liability Insurance. We can assess your specific needs.

Yes, premiums paid for business insurance are generally tax-deductible as a business expense. Consult your tax advisor for specific deductions applicable to your business structure.

Costs vary based on business size, industry, location, number of employees, and coverage limits. Small businesses typically pay between ₹15,000-₹50,000 annually for basic coverage. Get a free quote from us!