Insurance
Nine lines of cover, arranged around what you actually stand to lose.
Every line of cover, in one place
Insurance is the least interesting part of a financial plan and the part that decides whether the rest of it survives. Each page below explains how that cover works in India — what it pays for, what it does not, and what to check in the wording before you sign.
Life Insurance
Protection that secures your family
Learn moreHealth Insurance
Cashless cover for medical costs
Learn moreMotor Insurance
Car, two-wheeler & commercial vehicles
Learn moreTravel Insurance
Medical, baggage & trip cover abroad
Learn moreHome Insurance
Your building, contents and valuables
Learn morePersonal Accident
Income cover if an accident disables you
Learn moreCritical Illness
A lump sum on diagnosis of a listed illness
Learn moreCyber Insurance
Online fraud, identity theft & extortion
Learn moreBusiness Insurance
Employees, premises, liability & goods
Learn moreThe order we would put them in
Not everything at once, and not everything for everyone. This is the order that protects the most for the least, for most households.
Health Insurance · First
Before anything else. A single hospitalisation can undo years of investing, and cover gets more expensive and more conditional every year you wait.
Read moreTerm Life Insurance · Second
If anyone relies on your income or your unpaid work. Adequate term cover is the cheapest, most powerful instrument most families will ever hold.
Read morePersonal Accident · Third
The gap between the other two: you survive, you cannot work, and neither health nor life insurance replaces the income.
Read moreCritical Illness · Fourth
A lump sum on diagnosis, for everything a hospital bill never captures — lost income, a caregiver’s lost income, and the long tail after discharge.
Read moreMotor, Home, Travel, Cyber · As applicable
Driven by what you own and what you do. Motor cover is compulsory. The others follow the asset — a home, a trip, a digital life.
Read moreBusiness Insurance · If you employ
People, premises, goods in transit and liability. Statutory obligations first, commercial covers around them.
Read moreWhat we do differently
Protection before accumulation
There is no point compounding a portfolio that a single uninsured event can liquidate. We size protection first, then invest what is left over — not the other way round.
The wording is the product
Brochures compare on price and headline numbers. Claims are settled on definitions, waiting periods, sub-limits and exclusions. We read those with you before you buy, not after you claim.
Cover sized to a liability, not to a round number
Every recommendation starts from a figure we can defend — outstanding loans, years of income to replace, the cost of rebuilding, the treatment you would actually seek.
No bundling by default
Protection and investment do not have to be bought together. Bundling is convenient and it usually means less cover per rupee. We secure the protection first and decide about the savings separately.
One adviser who knows the whole file
Insurance placed piecemeal produces gaps and duplication in equal measure. Held together, the covers can be checked against each other.
Commission disclosed
We are paid a commission by the insurer on anything we place. We tell you that plainly, before you commit.
Four questions worth answering first
Who depends on your income?
If anyone does, term life cover comes before almost everything else. If genuinely nobody does, it may not be needed at all — and we will say so.
What would a serious hospitalisation cost where you live?
The answer differs by several multiples between a metro and a smaller city. It should drive your sum insured rather than a default figure.
What could you not replace out of savings?
A home, a vehicle, a year of income, a business’s stock. Those are the things worth insuring. Small, affordable losses are usually cheaper to absorb than to insure.
What does your employer already give you?
Group health and group accident cover are real, and they end with the employment. Treat them as a supplement to your own policy, never as a replacement for it.
We would rather work through these with you in twenty minutes than issue a policy you did not need.
Let us look at what you already hold
Most people are over-insured in one place and uncovered in another. Send us what you have — we will tell you honestly where the gaps and the overlaps are, before recommending anything new.
- A senior advisor reviews your existing policies
- Gaps and duplication identified in writing
- Cover sized against liabilities, not against a target
- No cost and no obligation
Not sure which of these you actually need?
Insurance is worth buying only where the loss would be one you could not absorb. A short conversation is the fastest way to work out which of these nine that is true of for you.