Disclaimer

Life Insurance

  • At the time of insurance please reveal accurate details of other insurance policies, any PEDs (Pre-Existing Diseases), smoking/non-smoking, and financial documents as asked.
  • Please let your nominee know about the life insurance policies you have taken and contact details of the advisor for claim procedure.
  • At the time of claim, we will follow up with all procedures required from the company with the nominee and do the needful.
  • We will not be liable and will not shell out any expenses/claim amount from our own pocket in case a claim is rejected, delayed, or partially settled. We will however do all the follow-up required.
  • Client is required to go through all the terms and conditions of the policy carefully.
  • Client has a free-look period of 15 days where he can cancel the policy if he is not fine with the terms.

Health Insurance

  • Reveal accurate details of any PEDs, past surgeries, medications, smoking/alcohol habits to the insurance company.
  • You will get a tele-medical call after purchasing the policy. Please mention all details accurately.
  • We will not be liable if a claim is rejected or partially settled. The most common reason for rejection is information not revealed about a PED by the client at the time of purchase.
  • In some cases, the company may opt for reimbursement even if admitted to a cashless hospital (e.g., day care). You must make payments and initiate reimbursement.
  • Don't get admitted just because you have medical insurance. The company may reject the claim if the illness could be treated at home. A doctor's recommendation letter for hospitalization is essential.
  • Intimate your advisor in advance of any planned admissions or immediately during emergencies.

Travel Insurance

  • Reveal accurate details of any PEDs and past surgeries.
  • For Indian travellers availing travel insurance, the exit and entry point should be in India.
  • For timely settlement, exit and entry stamps in passport must be submitted. Claims will be delayed or cancelled if the client extends their stay beyond the insurance end date.

General Insurance (Vehicle/Marine/Property/SME)

  • Client is required to mention all details and submit all documents as requested (e.g., valuation). Not furnishing required details may affect the claim procedure.
  • We will not be liable for rejected or delayed claims, but will provide full follow-up support.