Life and Health Insurance
Protect your family's health and future, together.
Life and health insurance work together: health cover pays hospital bills, while life cover replaces your income if something happens to you. We review your family's needs and recommend the right mix of health, accident, term and savings plans, explained in plain words.
- Health cover
- ₹3 lakh to ₹1 crore+
- Life cover
- ₹25 lakh to ₹10 crore+
- Plans
- Individual, family, group
- Tax benefit
- Sec 80C, 80D and 10(10D)
Choose the life and health insurance that fits you
Not sure which one is right? Tell us your situation and we'll recommend the best fit.
Individual Health Insurance
Medical cover for one person, including hospitalisation and treatment expenses.
Family Floater Health Insurance
One shared sum insured that covers the whole family under a single policy.
Personal Accident Insurance
Financial support in case of accidental death, disability or injury.
Group Health Insurance
Employer-provided health cover for employees, often with cashless treatment.
Term & Whole Life Insurance
Pure protection plans that keep your dependants financially secure.
Endowment Plans
Life cover combined with long-term savings and a maturity benefit.
Money-Back Policy
Regular payouts during the policy term along with life cover.
ULIPs
Life cover plus market-linked investment for long-term wealth creation.
Child Plans
Savings and protection designed around your child's future milestones.
Why people choose our life and health insurance advice
- One advisor for your family's health and life cover
- Cashless treatment at network hospitals
- High life cover at low premiums with term plans
- Savings and investment options with life cover
- Help with medicals, proposal forms and claims
Know exactly what you're buying
We read the fine print for you and explain inclusions, exclusions and waiting periods in plain words.
- Hospitalisation, ICU and day-care treatment
- Accidental death and disability
- Life cover for dependants
- Maturity and savings benefits on endowment plans
- Tax benefits under 80C and 80D
- Families wanting complete protection
- Earning members with dependants
- Employers looking after their teams
- Parents planning for children's future
- Waiting periods for pre-existing illnesses
- Exclusions as per policy wording
- Non-disclosure of medical history can lead to claim rejection
- Early surrender of savings plans reduces benefits
Life and Health Insurance premium: what decides it?
Two people buying the same life and health insurance can pay very different premiums. Here is what insurers look at, and how to pay less without cutting the cover you need.
What it depends on
- Age of the person or vehicle being insured
- Sum insured or cover amount chosen
- Health, lifestyle and medical history (for life and health cover)
- Add-ons and riders selected
- Claim history and no-claim bonus (for motor and health)
- City or zone, occupation and policy term
How to pay a lower premium
- Buy early: premiums are lowest when you are young and healthy
- Choose the right cover, not the cheapest or the biggest
- Compare insurers on claim record and exclusions, not just price
- Pick only the add-ons you actually need
- Renew on time to keep your no-claim bonus and waiting-period credit
Documents required for Life and Health Insurance
Choose your applicant type to see the checklist. Keep self-attested copies ready; we'll collect and verify them for you.
Document Proof
8 items- Aadhaar Card
- PAN Card
- Voter Card
- Driving Licence
- Utility Bill (Electricity / Water)
- Passport
- Recent Photograph
- Medical Reports (if any existing illness)
Income Proof
4 items- Income Tax Return (2 yrs)
- Bank Statement (12 months)
- Current Salary Slip (if salaried)
- Form 16 (if salaried)
Document Proof
9 items- Utility Bill (Electricity / Water / Telephone)
- Bank Statement
- GST Certificate
- Udyam Certificate
- Aadhaar Card
- PAN Card
- Passport
- Recent Photograph
- Medical Reports (if any existing illness)
Income Proof
3 items- Income Tax Return (2 yrs)
- GSTR (3 yrs)
- Bank Statement (12 months)
Document Proof
8 items- Utility Bill (Electricity / Water)
- Bank Statement
- GST Certificate
- Company PAN Card
- MOA / AOA / COI
- Udyam Certificate
- Recent Photograph
- Medical Reports (if any existing illness)
Income Proof
5 items- Income Tax Return (2 yrs)
- GSTR (3 yrs)
- Bank Statement (12 months)
- Audited Balance Sheet (2 yrs)
- Complete Balance Sheet with Audit Report (3 yrs)
The exact list can vary by insurer and your profile. Not sure what applies to you? Our advisor will confirm in one call.
From first call to claim
Scroll through the steps to see what we do at each stage.
Expert tips before you buy
- 1Get health insurance and term cover first; savings plans come after.
- 2Keep your parents on a separate health policy so their claims don't exhaust family cover.
- 3Disclose every health condition honestly when you apply.
Life and Health Insurance: common questions
Talk to an expert today
Share a few details and we will call you back. The first consultation is free.
- Call us+91 92122 66375
- WhatsAppChat with an advisor
- Office hoursMon to Sat, 10:00 am to 7:00 pm
Request a call back
We usually respond the same working day.
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