Plan protection for your family, health and income by understanding what a policy covers and what it excludes.
Review dependants, outstanding loans, household expenses, existing cover and employer benefits. Insurance needs vary by family circumstances. The aim is to address a financial shortfall following an insured event, within the policy terms.
Term insurance provides life cover for a specified period, subject to underwriting and policy conditions. Compare sum assured, duration, premiums, exclusions and claim requirements. Do not assume a standard term policy builds an investment corpus.
Compare individual and family-floater options, hospital networks, room limits, co-payments, deductibles and exclusions. Read waiting periods and pre-existing disease provisions in the current policy documents before purchasing.
Provide accurate health, occupation and other requested information. Read the proposal, policy schedule and customer information sheet; confirm nominee details and renewal obligations. A low premium alone does not establish that a policy fits your needs.
Before buying, verify the insurer and the intermediary's authority, product availability and compensation disclosures. Discuss a needs assessment with our team and confirm the authorised channel for any policy purchase. Coverage and claim decisions depend on the insurer and policy contract.
Learn more: IRDAI: health insurance information.
Talk to Investo Experts about your goals, questions and the terms applicable to the product or service you are considering.
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