About Us

The founder of Sivakumar. M defines an insurance company as a company that offers financial security, often known as insurance coverage, to people or businesses in exchange for recurrent premium payments. To safeguard against potential risks and losses, insurance companies provide a variety of insurance plans.

Here are some key points about insurance companies

  1. Types of Insurance: Insurance companies offer different types of insurance policies to cater to various needs. Common types of insurance include auto insurance, home insurance, life insurance, health insurance, business insurance, and more.
  2. Premiums:  To obtain insurance coverage, policyholders pay regular premiums to the insurance company. Premiums are typically based on factors such as the level of coverage, the risk profile of the insured, and the type of insurance policy.

  3. Underwriting: Insurance companies assess the risk associated with insuring a particular individual or entity through a process called underwriting. Underwriting involves evaluating factors such as age, health status, driving record, property condition, and other relevant information to determine the insurability and premium rates.

  4. Claims Handling: When a policyholder experiences a covered loss or event, they can file a claim with the insurance company. The insurance company then investigates the claim and, if approved, provides compensation or benefits according to the terms and conditions of the policy.

  5. Regulation: Insurance companies are regulated by government authorities to ensure fair practices and consumer protection. Regulations vary by country and jurisdiction.

  6. Financial Strength: It’s important to consider the financial stability and strength of an insurance company before purchasing a policy. Third-party rating agencies assess insurance companies’ financial health and assign ratings to help individuals make informed decisions.

  7. Customer Service: Insurance companies provide customer service to policyholders, including assistance with policy inquiries, claims processing, and general support. Some insurance companies offer online portals and mobile apps for convenient access to policy informations.

Product Releases and Updates

Revision in Premium - New India Floater Mediclaim Policy
Revision in Premium - New India Mediclaim Policy
New India Premier Mediclaim
New India Premier Mediclaim
New India Premier Mediclaim
Young India Digi Health Policy
Bhavishya Arogya Policy
Yuva Bharat Health Policy- Empowering Better Health
Yuva Bharat Health Policy- Empowering Better Health
Revision in Terms and Conditions of Health Insurance Policies
Instalment premium for Arogya Sanjeevani Policy
Overseas Travel Ease Policy (Business & Holiday) - Travel Spree, Hassle Free



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