Term Life
HDFC Life
Term Shield Plus
βΉ1 Cr coverTo age 75Claim 99.4%
From βΉ489/moavailable
View details β
Kavach SecureLife Advisors
Licensed advice. Human care. Claims that close.
IRDAI-licensed advisors in Bengaluru since 2016 β we compare health, life, motor, home and business covers from India's leading insurers, finish paperwork in 48 hours, and stay with you till claim is settled.
2016
Licensed since
12
Partner insurers
9,400+
Families covered
94%
Claims assisted
Most chosen
Featured plans
Handpicked covers with best-in-class claim support and transparent exclusions.
Health
Star Health
Health First Family Floater
βΉ5β25 LakhNo room capRestore benefit
From βΉ14,880/yravailable
View details β
Home
ICICI Lombard
SecureHome Prime
Structure + contentsNat-cat coverRent loss
From βΉ6,240/yravailable
View details β
Motor
Bajaj Allianz
MotorCare Comprehensive
Zero-depEngine protectCashless 4,800+
From βΉ8,990/yravailable
View details β
Travel
Tata AIG
TravelSafe Global
Schengen OK$500k medicalBaggage delay
From βΉ1,890/tripavailable
View details β
Business
ICICI Lombard
BusinessGuard SME
Fire + burglaryLiabilityLoss of profit
From βΉ18,500/yravailable
View details β
Child / Savings
HDFC Life
Child Future Secure
Waiver of premium10β20 yrs4 fund options
From βΉ2,400/moavailable
View details β
Health
Star Health
SeniorCare Advantage
Entry 60β80Co-pay 20%Home care
From βΉ22,400/yrpopular
View details β
Partners
Insurers we work with
IRDAI-registered insurers, one advisory standard β no insurer pressure, only what fits you.
Why us
The Kavach standard
What every plan goes through before we recommend it to a family.
Side-by-side exclusions
No glossy Π±ΡΠΎchures only β we table benefits, sub-limits and permanent exclusions so you choose with eyes open.
Licensed advisors, not pushers
IRDAI-licensed since 2016. No target-driven sales β we map your risks first, then suggest 2β3 shortlisted covers.
48-hour paperwork
Proposals, medicals, insurer follow-ups and e-card β done in two working days. You get a checklist, not chasing.
Claim desk till settlement
We register, document and track daily β with written TAT and WhatsApp updates till the cheque or credit note lands.
How it works
From quote to claim in four steps
Buying insurance should feel like getting a safety net, not a maze.
Tell us what matters
Age, family, goals and budget β we map risks before we recommend.
Compare real covers
Side-by-side benefits, exclusions and premiums from insurers we trust.
Paperwork in 48 hours
Proposals, medicals and underwriting follow-ups β our team handles it.
Stay covered, claim easy
Policy in your inbox, claim help on WhatsApp, renewal reminders on time.
Cover types
Insurance for every life stage
From term to travel β pick the protection that fits your story.
Term Life
Pure protection for your family
βΉ1 crore from βΉ489/mo. Add critical-illness and waiver riders β high cover, low premium, 99%+ claim settlement.
Health
Hospital bills without panic
Family floater, senior and top-up. No room rent capping, restore and recharge benefits, 14,000+ cashless hospitals.
Motor
Zero-dep, engine, cashless
Comprehensive and third-party with add-ons that actually matter β no unwanted bundles.
Home & Property
Your house, contents and rent
Fire, theft, natural catastrophes and liability β rebuild value, not just market value.
Travel
Schengen-approved, $500k medical
Single, annual and student trips β medical, baggage, trip cancellation and passport loss.
Business & SME
Shop, office, factory protected
Fire, burglary, machinery breakdown, public liability and loss-of-profit under one renewal.
Claim support
We stay till claim is settled
Our service desk does not disappear after you pay premium.
Claim registration
We file with the insurer, get your claim number in 24 hours and share a document checklist.
Included freePortfolio review
Bring any 2 policies β we flag duplicate covers, missing riders and cheaper renewals in writing.
Free this weekRenewal watch
We track every renewal, negotiate at insurer and remind you 30, 15 and 3 days before expiry.
Auto-remindersWellness & add-ons
Annual health check-ups, telemedicine and NCB protection explained β only if they help you.
On requestFamily health concierge
Cashless hospital booking, pre-authorisation calls and discharge follow-ups β one WhatsApp message away.
Priority supportGrievance & ombudsman help
If an insurer delays, we draft the grievance and escort you to the ombudsman β at no extra cost.
End-to-end
Trust
What our clients say
Real stories from families we cover across Bengaluru and beyond.
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βOur daughter was hospitalised in Pune and Kavach got cashless approved in 3 hours at 11 pm. Mr. Rajesh stayed on call till discharge. That's service money can't buy.β
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βI thought one term plan was enough. Their review saved me βΉ18,000 a year by showing a duplicate rider and got me an extra βΉ50 lakh cover cheaper.β
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βFloodwater entered our ground-floor shop in Rajajinagar. Surveyor came next day, claim settled in 19 days. Kavach handled the photos, bills, everything.β
Journal
Insurance, explained simply
Guides, jargon-busters and claim stories β no hard sell, just clear guidance.
Term + critical illness rider: when the extra βΉ200 matters
Why a standalone term plan can leave a gap β and how a CI rider pays on diagnosis, not just death. With real claim timelines.
Health claim checklist: 7 documents insurers never tell you to keep
Pre-authorisation, discharge summary, pharmacy bills β keep these 7 and cashless rarely gets rejected.
Motor NCB: how not claiming for 3 years saves you βΉ9,000
No-claim bonus demystified β protect it, transfer it, and know when to claim anyway.