Know Your Policy
Your policy should make sense before you need to use it.
A policy document can run into dozens of pages, filled with definitions, conditions, exclusions, waiting periods, limits, and other details that are easy to overlook. Knowing your premium and sum insured is only part of knowing your insurance.
The bigger question is: Do you know what your policy actually says?
Check your policy for errors, get an expert opinion on your existing cover, analyse multiple policies together, or get help when something goes wrong. Find the right way to review your insurance, understand your options, and take the next step.
Know Policy
Get Grievance Help
Know Policy
Don't wait for a claim to discover what's in your policy.
Buying an insurance policy is only one part of being adequately protected. The more important question is whether you know what your existing policies actually cover, where their limitations lie, and how they fit together.
Your policy documents contain the details that shape your protection, from coverage and exclusions to waiting periods, limits, nominees and claim conditions. When you hold multiple policies, looking at them together can also reveal overlaps or gaps that may not be obvious if each policy is considered separately.
This section talks about the key ways of looking at your existing insurance. The aim is to give you a clearer picture of the protection already in place and the areas that may need closer attention.
Know Your Policy Hub
Your policy deserves more than a quick glance.
An insurance policy contains more than the premium and coverage amount. It also records personal details, nominee information, policy conditions, exclusions, waiting periods, sub-limits and other terms that can influence how your cover works when you need it.
Even small errors can create complications later. An incorrect name or date of birth, outdated nominee information, or an inaccurate health or lifestyle declaration may require correction. At the same time, a policy can appear comprehensive while containing exclusions or limits that affect specific claims.
Knowing your policy means having a clearer understanding of what is covered, what is limited, and what conditions apply. A policy review can help bring these details together and highlight areas that may need clarification.
Reviews can be carried out manually or with digital tools that summarise policy terms and flag potential inconsistencies. For more complex situations, an expert review can provide a broader perspective on coverage and potential gaps.
Expert Policy Review
Sometimes, you need an expert to look beyond the document.
An expert policy review looks beyond the premium and sum insured to examine the terms that determine how an insurance policy works in practice. It can bring attention to areas such as coverage, exclusions, waiting periods, sub-limits, deductibles, co-payments and claim conditions, helping make complex policy wording easier to understand.
This can be particularly useful when a policy has been held for several years, when multiple policies overlap, or when circumstances have changed through events such as marriage, a new child, a loan or a change in employment. A review can also provide a clearer picture of how employer-provided and personal insurance work together.
An expert assessment is different from a sales conversation. Its focus is the policy already in place and not on recommending a replacement product. For more complex situations, an independent professional can also assess whether the existing cover aligns with the household’s financial responsibilities and protection needs.
Portfolio Analysis
One policy may look fine. Your entire portfolio may tell a different story.
Having multiple insurance policies does not necessarily mean having complete protection. Policies purchased at different times may overlap in some areas and leave other financial risks insufficiently covered. A portfolio analysis brings these policies together to show how the overall protection works.
For life insurance, this can provide a broader view of cover in relation to income, dependants, outstanding liabilities and other financial responsibilities. For health insurance, it can combine personal, family and employer-provided cover to highlight potential gaps, overlaps or areas where protection may be limited.
Looking at policies collectively can also reveal how they complement one another. A base health policy and a super top-up, for example, may serve different roles. At the same time, employer-provided cover may supplement but may not replace personal insurance.
The result is a clearer picture of the protection already in place and where potential weaknesses may exist. A portfolio analysis can add further context when the portfolio involves multiple policies or more complex financial responsibilities.
Get Grievance Help
When something goes wrong, knowing where to go matters.
Insurance problems can take many forms. A claim may be rejected, a policy may contain an issue, a clause may be difficult to interpret, or you may simply be unsure about the right way to raise a concern. The appropriate response can also depend on the nature of the problem and where it sits within the insurance process.
This section highlights the different forms of support, from registering a complaint and finding the right guidance to getting personalised advice from an independent insurance professional. It also covers the people who provide that support, including advisors available for specific insurance concerns.
Register Complaint
Have an insurance problem? Start by putting it on record.
Register your insurance complaint and get help understanding what happened, where you stand, and what you can do next.
An expert can review your policy, the facts of your case, and the supporting documents to help identify the appropriate route. This may involve approaching your insurer’s grievance cell, using Bima Bharosa, or considering further escalation where appropriate.
The complaint is yours to raise. The guidance helps you understand how to raise it and navigate the process correctly.
Expert Help Hub
Not sure what kind of help you need? Start here.
Insurance questions rarely fit neatly into one category. You may have a policy you don’t understand, a claim that has been rejected, a possible mis-selling concern, or a decision you don’t want to make without an independent opinion.
Find guidance on policy reviews, claims, grievances, new policy decisions, documentation, renewals, and other common insurance concerns.
If you’re unsure where your situation fits, start here.
Book Consultation
Some questions are easier to answer when someone has your policy in front of them.
General information can explain how insurance works. It cannot tell you whether your policy has a particular gap, whether a claim rejection raises a concern, or what a specific clause means in your circumstances.
Book a consultation with an independent insurance advisor for personalised guidance based on your policy, documents, and situation. Start with a free 15-minute exploratory call, with paid sessions available when you need more detailed analysis.
Find an Advisor
The person advising you matters as much as the advice.
Insurance advice can influence your coverage, claims, finances, and long-term decisions. That makes the source of that advice important.
Find vetted, independent insurance advisors with experience across policy reviews, claims, grievances, mis-selling concerns, and insurance decisions. Browse by area of expertise and choose an advisor suited to the kind of help you need.
Become an Advisor
Your expertise can help others in their insurance decision.
Independent insurance advice depends on professionals who are willing to put expertise before sales.
If you are an IRDAI-licensed insurance professional with substantial experience and believe insurance advice should be clear, honest, and free from product pressure, you can apply to become an independent advisor.
There are no product targets or sales quotas. The focus is on helping people understand their policies, claims, grievances, and insurance decisions.