Frequently asked questions
Everything buyers ask us across the desk — with the boring bits made clear.
How are you paid? Will it cost me more than buying online?
No. The insurer pays us a commission fixed by IRDAI — your premium is the same whether you buy through us, direct or online. What changes is service: we do paperwork, medicals and claims for that same premium.
What are the waiting periods in health insurance? Does everything get covered from day one?
No. There are three layers: 30 days for any illness (except accident), 12–24 months for listed procedures like hernia, sinus or cataract, and 24–48 months for pre-existing illnesses. We table these side-by-side before you choose — no surprise at claim time.
Can you help with a claim even if I didn't buy the policy from you?
Yes — for a fee or we port the policy at renewal so future commissions fund the service. In 2025 we assisted 62 claims where the policy was bought elsewhere; 54 settled in TAT.
What documents do you need for a quote?
Five minutes on call: age, family structure, existing covers, monthly budget and one goal (child, home loan or parents' age). For a formal quote we need Aadhaar/PAN only at proposal stage, not before.
Do you do group cover for my startup or shop?
Yes. Group health from 7 employees and group personal accident from 10. We write group cover for a Koramangala cafe, a Peenya fabrication unit and a Whitefield SaaS — premium is rated on age mix and sum insured, not flat.
How do I know which insurer will actually pay my claim?
Look at three numbers: claim settlement ratio, persistency at 61 months and grievances per 10,000. We show you those three for every shortlisted plan — and we share our own TAT because that matters more than the brochure.
What if an insurer rejects my claim — can you escalate?
We draft the grievance to the insurer's grievance cell first (TAT 14 days). If unresolved, we prepare the ombudsman filing — we did 9 last year, 7 resolved in favour. We stay as your authorised representative.