Guides
How to read the product before you buy it.
These notes are general. They are not advice for your policy, and they do not promise a result.
Before a motor renewal
The premium in rupees moves with the insured declared value, the no-claim bonus, and any add-on such as zero depreciation. A lower IDV reduces the premium and also reduces what you receive if the vehicle is a total loss. Ask for the rupee difference before you drop an add-on.
Waiting periods in health cover
Many health policies pay for an accident sooner than they pay for an illness you already have. Initial waiting periods, specific-disease waits and pre-existing waits are different clocks. Ask which clock applies to each person on the proposal, and which hospitals near Sakchi are on the cashless list.
What a SIP estimate is
The calculator on the SIP page assumes one annual rate, every year, with no gap in contributions. If that rate does not happen, the rupee result will not happen either. Use it to see the shape of a monthly habit, then discuss the scheme document before you invest.