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From health and term life to motor and ULIP investment plans β Dhandho Marwadi brings you 35+ top insurance companies at your fingertips, with zero bias advisory.
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Greatest Wealth
Medical emergencies don't give you a heads-up. A good health insurance policy ensures you never have to choose between your savings and your health. Get covered today β compare 35+ plans and choose what fits you best.
- Sum insured: βΉ3L to βΉ1 Crore
- Cashless at 10,000+ hospitals
- Pre-existing disease cover after waiting period
- Annual health check-up included
- No claim bonus up to 50%
- Cover entire family in one policy
- Sum insured: βΉ5L to βΉ2 Crore
- Maternity and newborn cover available
- Mental health hospitalisation covered
- Restoration benefit if sum insured exhausted
- High sum insured at low premium
- Activates after deductible is met
- Covers hospitalisation beyond base plan
- Ideal for βΉ10L+ total coverage need
- Can be combined with any base plan
For a family of 4 in a metro city, a minimum of βΉ10β15 Lakhs is recommended given current medical inflation. Single individuals should have at least βΉ5 Lakhs. With a super top-up, you can get βΉ20L+ coverage at affordable premiums.
Yes β most health insurance policies cover pre-existing diseases after a waiting period of 2β4 years depending on the insurer. Some plans offer reduced waiting periods as a feature. Critical illness riders pay on diagnosis, independent of pre-existing status.
Typically: Aadhaar or PAN card, recent photograph, and for older applicants or high sum insured, a pre-policy health check-up. For family floater, you'll need ID proof for all members being covered.
At a network hospital, show your health insurance card at the TPA/insurance desk. The hospital raises a pre-authorisation request. Once approved, the insurer settles directly with the hospital β you only pay for non-covered items if any.
Future Today
Term insurance is the purest and most affordable form of life insurance. It gives your family a large financial safety net at the lowest possible cost β so the people who depend on you are never left without support.
Term insurance provides pure life cover β there is no maturity benefit if you survive. Endowment/traditional policies combine insurance with savings, but at a significantly higher premium for lower cover. For maximum protection at lowest cost, term insurance is always recommended.
The earlier the better. Premiums are lowest at younger ages and get locked in for the full tenure. Ideally buy between 25β35 years of age when you first have financial dependants or take on liabilities like a home loan.
For younger applicants and lower sum insured (typically under βΉ50 Lakhs), many insurers offer no-medical-test policies. For higher cover or older applicants, a basic health check-up including blood test and ECG may be required.
Yes, NRIs can buy term insurance in India. The application process is similar, but documentation requirements include passport, visa, foreign address proof and NRE/NRO bank account details. Premiums may be slightly higher for certain high-risk countries of residence.
You've Worked Hard For
Your car, your home, your business, your travel β every asset you've built deserves protection. General insurance covers all non-life risks, ensuring that one unexpected event doesn't wipe out years of hard work.
- Covers third party injury / death
- Covers third party property damage
- Legally mandatory for all vehicles
- Lowest premium option
- Does NOT cover your own vehicle
- Own damage cover β accidents, fire
- Theft and total loss protection
- Natural calamity cover
- Third party liability included
- Zero depreciation add-on available
- Zero depreciation β full claim payout
- Roadside assistance 24Γ7
- Engine protection cover
- Return to invoice on total loss
- Key replacement cover
Yes β at minimum, third-party motor insurance is mandatory under the Motor Vehicles Act for all vehicles on Indian roads, even if rarely used. Driving without valid insurance attracts a fine and legal liability for any third-party damage.
Home insurance covers the physical structure of your home against fire, flood, earthquake, storm and explosion. Contents policies also cover furniture, electronics, jewellery and valuables. Some policies also include liability cover for domestic accidents.
While not mandatory, domestic travel insurance is highly recommended for emergencies β covering accidental hospitalisation, trip cancellation, and baggage loss. For international travel, it is essential as medical treatment abroad can cost βΉ5L+ per incident.
Market-Linked Growth
ULIPs are the only financial product in India that combine life insurance protection with equity/debt market-linked investment β all in one single plan. Pay one premium, get life cover AND build wealth simultaneously.
During the 5-year lock-in, if you stop paying premiums, the policy may lapse or be converted to a paid-up policy. After the lock-in, you may be allowed to discontinue payments while the fund value continues to be invested. Always consult your advisor before stopping premiums.
Both approaches have merit. ULIPs are better for investors who value simplicity, built-in life cover, fund switching without capital gains tax, and the discipline of a lock-in. Separate mutual fund + term may offer more flexibility and potentially lower costs for sophisticated investors. Speak to our advisor for a personalised recommendation.
Most ULIPs start at βΉ12,000ββΉ24,000 per year (βΉ1,000ββΉ2,000 per month). Premium amounts and the resulting sum assured vary by insurer and product. Higher premiums generate a larger fund corpus and typically higher life cover.
Yes β most ULIPs offer free fund switching multiple times a year between available fund options (equity, balanced, debt, liquid). This lets you manage your asset allocation actively based on market conditions, age, or risk appetite β all without tax implications.
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