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By Team ProWiderKart · Updated · 5 min read
❓ Insurance FAQ

Insurance 50 Sawaal — Poore Jawab India

Term plan se CI tak, claim se premium tak — insurance ke sabhi sawaalon ke clear jawab. Ek jagah, simple Hindi mein.

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Insurance FAQ — Key Takeaways

Priority Order: Health insurance → Term life → Critical Illness → Business insurance. Golden Rule: Jab young ho tab lo, online lo, term + separate investment lo. Tax: 80C (life) + 80D (health) = upto ₹1.75L+ deduction. Claim: Full disclosure + timely intimation + complete docs = claim guaranteed. Free guidance ke liye WhatsApp karo.

50 SAWAAL

Insurance FAQ India — 50 Sabse Puch — 50 FAQs

Neeche diye gaye sab sawaalon ke jawab hain. Aur sawaal ho to WhatsApp karo — +91 98332 16954

Insurance = risk transfer. Aap premium pay karte ho → insurer agreed risk (death, illness, property damage) cover karta hai → loss hone pe compensation milta hai. Financial safety net.
Most affordable protection. Young age mein lock karo. Family ka financial future secure karo. Medical deterioration se pehle lo. Taxes bhi bachate ho. First financial product for any earning adult.
Corporate: job-linked, ends on separation, often inadequate (₹1-3L only). Personal: always yours, portable, adequate coverage. Both simultaneously maintain karo.
Partial sach. Term insurance = expense (but valuable expense like fire extinguisher). ULIP/endowment = investment but poor returns. Solution: term + separate mutual fund investment.
Income × 10-15 times. Plus: home loan + car loan outstanding. Plus: children's education + marriage goal. Plus: spouse dependency. Net of existing savings.
Minimum metro city: ₹10-25L family floater. Tier 2: ₹5-15L. Rule: annual family hospital bill × 10. Healthcare inflation 14%/year — review har 3-5 saal.
Check: IRDAI registered agent code. Insurer appointed. No upfront fees demanded. Transparent about product features including exclusions. Run from anyone guaranteeing returns on insurance.
Life: suicide (year 1), war. Health: cosmetic surgery, dental (usually), self-injury, alcoholism. CI: pre-existing conditions (waiting). All: fraud, non-disclosure.
Written complaint → insurer grievance cell. Not resolved: IRDAI Bima Bharosa portal. Then: Insurance Ombudsman (free, 30 days resolution). Consumer forum/court as last resort.
IRDAI regulated insurer pe — absolutely safe. Check: insurer name on IRDAI website, HTTPS website, no advance payment requests, physical address of company verifiable.
Insurance Regulatory and Development Authority of India. Sab insurers license deta hai. Consumer protection rules set karta hai. Ombudsman operate karta hai. Grievance portal run karta hai.
Nahi — insurance national product hai. Online buying + digital delivery = har jagah available. Network hospitals Tier 2-3 cities mein bhi growing. Rural: PM schemes available.
Haan — dono alag risks cover karte hain. Term: any cause of death. Accident: specifically accidental death + disability. ₹20/year PM Suraksha Bima (₹2L accident) — everyone should have.
Haan — nominee change/update: insurer branch ya online portal se. Koi charge nahi usually. Marriage, divorce, death of nominee — update zaroori hai. Periodically review karo.
Term: India-wide + some international cover. Health: mostly India-only. International coverage ke liye travel/expat insurance lo. Policy specific terms check karo.
Direct insurer: fixed premium (risk-based). Group insurance: negotiate possible. High sum assured + good health: better terms possible at underwriting. Riders: negotiate which ones really needed.
30 days after receiving policy document: cancel karo full refund milega (minus few deductions). Wrong product feel ho to turant free-look pe return karo.
Grace period (30 days annual/semi-annual, 15 days monthly) ke baad lapse. Lapsed policy: revival possible 2-5 years mein (medical + back premium + interest). Don't let policy lapse.
Revival option: within 2-5 years (policy dependent). Pay outstanding premium + interest + revival fee. Medical test may be required. Term insurance revival: standard process.
PED: policy purchase se pehle ki health condition. Waiting period (2-4 years) apply hoti hai PED pe. IRDAI 2024: max 3 year waiting period cap. Full disclosure mandatory.
Yes — insurance fraud: IPC 420 (cheating) + Insurance Act provisions. Prosecution, policy cancellation, blacklist. Never make false claims.
Family history: heart disease, cancer, diabetes. Sedentary lifestyle. Age 35+. Single income household. Any high-stress job. CI insurance income replacement provides when most needed.
IRDAI monitor karta hai solvency ratio. If closure: IRDAI another insurer ke saath merge karta hai policy portfolio. IRDAI guarantee fund: policyholder protection. India mein rarely happens.
Two lives covered (usually spouses) in one policy. First death pe claim. Survivor ke liye coverage ends (usually). Individual policies: more flexible, better claim clarity.
Increasing term plan. Health: higher SI, super top-up. CI: 5 yearly review. Premium may increase but coverage must match rising costs. Guaranteed insurability option (some plans).
Assignment: policy assign kar sakte ho (loan against, gift). Absolute assignment: complete transfer of ownership. IRDA forms + stamp duty. Policy transfer: insurer approval required.
Maternity, OPD, dental, vision (some plans), annual checkup, teleconsultation, wellness programs, mental health support. Employer negotiates — ask HR for complete benefits list.
Third Party Administrator: insurer + hospital ke beech mediator. Cashless authorization. Claim processing. Network hospital empanelment. TPA ID card = health insurance identity card.
Health: contribution clause — both insurers proportionate share dete hain. Life: multiple policies = full sum assured from each (no contribution). Declare all policies at claim time.
Senior health: specific senior citizen health plan (60-80+ age). Higher premium, existing coverage consider karo. Term: expensive at 60+, if no dependents skip. CI: still valuable if affordable.
Health insurance: same insurer → new insurer port kar sakte ho at renewal. Waiting period credit milta hai. NCB port hota hai. IRDAI right as policyholder. 45 days before renewal: port request.
PMJAY, PM Suraksha Bima, PM Jeevan Jyoti Bima — government subsidized. Jan Suraksha Schemes — low income support. Some NGOs facilitate insurance for marginalized communities.
Insurer branch ya online: duplicate policy request. FIR (if lost/stolen). Indemnity bond on stamp paper. Process: 7-15 working days. E-insurance account (NSDL/CDSL) se digital policy.
Insurance repository: NSDL Speede, CAMS FinServ, Karvy. All policies ek digital account mein. KYC once. Easy access. Claim notification. Government push for e-insurance adoption.
Low premium, small coverage for low-income. PM Suraksha Bima (₹20/year ₹2L accident). PM Jeevan Jyoti (₹436/year ₹2L life). PM Fasal Bima (agri). Jan Dhan account linked.
Premium receipt: payment proof. Claim pe insurer verify karta hai premiums paid. IT returns pe 80C/80D deduction ke liye. Original/digital copy preserve karo always.
Waiting period = fixed, can't skip. Plan karo: health insurance jab healthy ho lo (no PED or minimal PED). Term insurance: no major waiting period. Early buying = fewer complications.
Haan — travel insurance: trip cancellation, baggage loss, medical emergency abroad, flight delay. Regular health: India domestic only typically. International trip pe separate travel insurance mandatory.
IRDAI grievance portal. Insurer's grievance cell. Insurance Ombudsman. Consumer forum. Regulator takes agent misconduct seriously — formal complaint file karo.
GST: business insurance premium pe input tax credit claim kar sakte ho. Personal insurance: no GST refund. Business owners: insurance as business expense = tax deduction.
Mortgage Reducing Term Insurance (MRTA): loan amount reduce hone ke saath SI reduces. Standard term plan: fixed SI, nominee to full amount. Standard term plan more flexible — nominees choice.
Insurer: SMS/email reminder typically. Mobile calendar pe note karo (30 days pehle). Auto-renewal set karo (health plans online). ProWiderKart: free renewal reminder service bhi.
IRDAI mandates: agent disclose commission if asked. Ask karo — right hai aapka. Conflict of interest samjho. Sahi product recommend karna agent ki primary duty hai.
Life insurance pe loan: surrender value ke 85-90%. public sector ya private insurer branch se. CIBIL irrelevant. Health/term: no surrender value, no loan possible.
Term: no surrender value (nahi karna). Endowment: calculate first (surrender value vs continuing). ULIP: after 5-year lock-in if returns poor. Surrender: financial loss usually. Expert opinion lo.
Free insurance plan matching. Term, health, business, CI — sabhi categories. IRDAI regulated insurers. No agent pressure, no hidden charges. Claim guidance bhi. WhatsApp: +91 98332 16954.
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Tier 2/3 city mein insurance kaise lein — agent dhundna pad ta hai?
ProWiderKart Tier 2/3 mein online insurance advisory deta hai. Agent dhundne ki zaroorat nahi. WhatsApp pe baat karo, requirement bata do (family size, age, budget), free comparison aata hai, phir suitable plan select karke online apply ho jaata hai. Paperwork minimal, sab digital.
Family health insurance mein kitna cover lena chahiye — Tier 2 budget mein?
Family floater mein Tier 2/3 cities mein typically ₹5-10 lakh ka cover affordable aur sufficient hota hai. Metro cities mein ₹10-25 lakh recommended hota hai. Age, family size, existing health conditions, aur city ka medical cost dekh ke ProWiderKart specific suggestion deta hai — bilkul free.
Term life insurance ya regular life insurance — Tier 2/3 family ke liye konsa better?
Term insurance Tier 2/3 family ke liye almost always better hai. Premium kam, cover bahut zyada hota hai. Investment ke liye separate mutual fund/PPF/FD better hote hain. Insurance ka primary purpose protection hona chahiye, investment nahi.
Critical illness cover lena chahiye ya nahi?
Agar family history mein heart disease, diabetes, cancer hai — to highly recommended. Standalone critical illness plan ya health insurance ke saath rider dono options hain. Tier 2/3 cities mein advanced treatment ke liye metro mein jana padta hai — costly. Critical illness cover yeh financial burden uthata hai.
Claim time pe insurance company actually paise deti hai kya?
Haan, agar policy correctly chuna hai aur documents proper hain. Claim ratio important parameter hai — high ratio waali companies prefer karo. Pre-existing conditions disclose karna mandatory hai. ProWiderKart claim assistance bhi deta hai jab zaroorat ho — application se claim tak end-to-end support.
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EMI

Equated Monthly Installment — fixed monthly payment for loan repayment. Principal + interest ka combination.

CIBIL Score

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NBFC

Non-Banking Financial Company — RBI registered companies jo loans aur financial products deti hain.

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Direct Selling Agent — financial products ke liye authorized referral partner.

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Insurance Regulatory and Development Authority of India — insurance industry ka regulator.

Sum Assured

Insurance policy ka cover amount — claim time pe insured/nominee ko milta hai.

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