Cover-gap review for term, health, motor and business insurance with policy-term checks and claim-readiness guidance.
Insurance works only if the cover is adequate, the policy terms are understood and the family knows what to do at claim time. We review your existing cover, point out gaps and explain exclusions in plain language before you buy or renew.
We start by listing what you need to protect: income for dependants, hospitalisation costs, vehicles, property and business assets. We then compare it with what your policies actually cover, including sum insured, waiting periods, sub-limits, co-payment, room-rent caps and exclusions. A cheap premium with a low sub-limit can cost more at claim time, so the details matter.
We also explain the tax angle on premiums and maturity proceeds, how nominations should be set, and what documents a claim needs. Insurance is sold only by IRDAI-registered insurers and their registered intermediaries, and we do not claim that registration; we give an independent view of what to look for, and you buy from the insurer or a registered intermediary of your choice.
You may need it if any of these describe you.
We compare your cover to your liabilities and dependants.
Waiting periods, sub-limits, co-pay and exclusions are explained with examples.
We explain how premiums and proceeds are treated under the Income-tax Act.
A checklist of documents and steps so the family is not searching during a crisis.
We check that nominees and contact details are up to date.
We explain trade-offs and questions to ask, not a product push.
Pure protection for a fixed term; premiums are lower than savings-linked policies.
Individual, family floater and senior-citizen plans; check waiting periods and sub-limits.
Vehicle cover and accident protection; third-party cover is legally required for vehicles.
Fire, stock, marine, liability and key-person cover for businesses.
Review of endowment, ULIP and older policies to see what they really provide.
Keep these ready to avoid delays. Send scans or photos over WhatsApp - never share passwords or OTPs.
Plain-English notes. Always verify against the official notification.
| Section / rule / form | What it means |
|---|---|
| Insurance Act, 1938 and IRDAI regulations | Insurers and intermediaries are regulated by IRDAI; verify any intermediary's registration on irdai.gov.in. |
| Free-look period | IRDAI policyholder-protection rules give a free-look period, generally 15 days (30 days for distance-marketed policies), to review and cancel a new policy. |
| Section 80D (old regime) | Deduction for health insurance premiums and preventive check-ups under the old regime, within limits; not available under the new regime. |
| Section 80C and 10(10D) | Life premium deduction under old regime subject to conditions; maturity proceeds are exempt only when conditions in Section 10(10D) are met. |
| Disclosure and moratorium | Material facts must be disclosed accurately; IRDAI health-insurance rules limit how long after inception a claim can be contested on non-disclosure grounds. |
Statutory dates can be extended by notification - check the official portal before relying on them.
| Activity | Due date |
|---|---|
| Policy renewal | Before the due date on your policy; grace period as per policy terms |
| Tax-saving premium payment (old regime) | Within the financial year |
Plans from our Mutual Fund & Financial Services list. Government charges and GST are shown separately.
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
18% GST extra on professional fees
+ 2 more in this plan
| Feature | Financial Planning | SIP & Mutual Fund Guidance | Wealth Structuring | Insurance Advisory |
|---|---|---|---|---|
| Pricing model | Fixed fee | On enquiry | On enquiry | On enquiry |
| Written deliverable | Plan PDF | Summary note | Review report | Cover analysis |
| Goal mapping | Cover needs | |||
| Existing holdings review | Basic | Policies | ||
| Product distribution by us | ||||
| Review call | 1 call | Periodic | Half-yearly | Annual |
| Regulatory disclaimer |
We never mark up government payments.
On enquiry. A one-time cover review is priced at a fixed fee shared before we start.
No government fee for advisory work.
Premiums are paid to the insurer; we do not take commissions through this service. 18% GST applies on professional fees.
What you receive from us.
It depends on your income, loans, dependants' needs and existing assets. We estimate from your numbers instead of a fixed multiple.
Often not. It may end when you leave the job and may have low limits; a personal policy adds continuity.
They combine insurance and investment, usually with higher costs than a pure term plus separate investments. We explain the numbers so you can decide.
No. We provide independent guidance; you buy from the insurer or a registered intermediary.
Yes, if material facts were hidden, subject to IRDAI rules. Accurate disclosure at purchase prevents most disputes.
Under the old regime, health premiums under 80D and eligible life premiums under 80C may qualify; the new regime does not allow them.
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