Skip to main content
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.

50+FAQs
IRDAICompliant
Term+HealthBusiness
FreeGuidance

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.

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 50 Sawaal — Common SawaalQ1General Insurance kya hota hai — simple explanation? +Q2General Term insurance sabse pehle kyun lena chahiye? +Q3General Health insurance company/employer se milti hai —phir bhi personal leni chahiye? +Q4Issues Insurance premium waste hai — investment nahi — sachhai kya? +Q5Charges Kitna life insurance cover enough hai? +
Insurance 50 Sawaal par sabse zyada poochhe jaane wale sawaal.
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.

Insurance — India ke 200+ Sheharon Mein

ProWiderKart Pan-India mein active hai — metro se lekar chhote sheharon tak. Online process hone se koi bhi city se service milti hai — physical presence ki zarurat nahi.

🏙️ Tier 1 — Metro Cities
Mumbai
Delhi / NCR
Bangalore
Hyderabad
Chennai
Kolkata
Pune
Ahmedabad
Surat
Jaipur
🌆 Tier 2 — Major Cities
Lucknow
Chandigarh
Indore
Bhopal
Nagpur
Patna
Ranchi
Guwahati
Bhubaneswar
Amritsar
Ludhiana
Dehradun
Raipur
Agra
Varanasi
Meerut
Nashik
Rajkot
Coimbatore
Visakhapatnam
Madurai
Kanpur
Allahabad
Jodhpur
Kota
Udaipur
Vadodara
🏘️ Tier 3 — Growing Cities
Ajmer
Mathura
Aligarh
Gorakhpur
Bareilly
Moradabad
Jabalpur
Gwalior
Bikaner
Sikar
Hisar
Rohtak
Muzaffarpur
Darbhanga
Bhagalpur
Haridwar
Rishikesh
Shimla
Jammu
Mysore
Hubli
Tirupati
Warangal
Trichy
Nellore
Guntur
Belgaum
Kolhapur
Aurangabad
Solapur
Dhanbad
Jamshedpur
Bokaro
Gaya
Samastipur
Siliguri
Asansol
Durgapur
Cuttack
Rourkela
Berhampur
Sambalpur
🗺️ Tumhara Sheher List Mein Nahi? Hum Pan-India mein hain — poori list yahan nahi dikhaayi ja sakti. WhatsApp karo — confirm karenge. WhatsApp Karo ›

Free Insurance Guidance Lo

Sahi insurance plan chahiye — free mein guide karte hain.

  • Free jaankari
  • Sahi plan match
  • Premium compare
  • Claim support guidance
Direct WhatsApp Pe Baat Karein

🆓 Free Jaankari Form

Fill karo — 24 ghante mein WhatsApp pe reply milega*

💬 Get updates on WhatsApp

🔒 Aapka data industry-standard security ke saath hai. Sirf consultation ke liye use hoga. Koi spam nahi. Koi hidden charge nahi.

Kyun ProWiderKart pe Trust Karein?

🧠
Experience

Hum financial services industry mein actively kaam karte hain — merchant onboarding, loan facilitation, insurance aur DSA operations ka real-world experience hai.

🎓
Expertise

Payment gateway, loan, insurance, DSA — har vertical mein deep product knowledge. Sahi option identify karna hamari specialty hai.

🏛️
Authoritativeness

India ke Pan-India mein active operations. Growing network of individuals aur businesses ko guide kar rahe hain.

🔐
Trustworthiness

Transparent process, legally safe content, no hidden charges, no guaranteed claims — hum sach bolte hain. Data secure rakha jaata hai.

Free Jaankari Lo 📞

Naam aur number do — expert jald se jald WhatsApp karega. Bilkul FREE.

Zero spam · Free jaankari · +91 98332 16954

🔍 People Also Ask

Log Aksar Yeh Bhi Poochhte Hain

India bhar ke users dwara sabse zyaada poochhe gaye sawaal — honest jawab ke saath.

Tier 2/3 city mein insurance kaise lein — agent dhundna pad ta hai?
ProWiderKart Tier 2/3 mein online insurance jaankari 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.
📚 Glossary

Important Financial Terms — Hindi-English Mein Samjhein

Common terms jo aapko milte hain financial services mein — simple explanation ke saath.

EMI

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

CIBIL Score

Credit score 300-900. 750+ excellent maana jaata hai. Loan eligibility decide karta hai.

NBFC

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

DSA

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

IRDAI

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.

🇮🇳 Pan-India Promise · Pan-India Covered

Insurance Jaankari —
Har Sheher Mein Same Quality

Metro ho ya chhota sheher — ProWiderKart ki jaankari, support, aur process bilkul same hai. Tier 2 aur Tier 3 cities ke liye specifically digital-first design — koi physical office visit nahi, sab kuch WhatsApp aur online pe.

💬

WhatsApp-First Support

Zaroorat ke time WhatsApp pe seedha contact. Document submit karo, queries pucho, follow-up lo — sab phone pe. India ke har sheher ke liye perfect channel.

🗣️

Easy Communication

Hindi-English mix — exactly jaise aap baat karte hain. No corporate jargon, no fancy English. Sab clear, simple, samjhne mein easy.

📱

100% Digital Process

Online application, video KYC, e-sign, direct bank transfer — koi physical paperwork ya office visit zaroori nahi. Ghar baithe sab kuch.

🆓

Always Free Jaankari

Consultation, eligibility check, document guidance, application support — bilkul free. Hidden charges nahi. ProWiderKart provider se commission leta hai, aapse nahi.

Fast Process

Documents complete hone par typical timeline 3-14 working days. ProWiderKart har step pe active follow-up karta hai — delays minimize karne ke liye.

🔒

Transparent & Compliant

RBI/IRDAI regulated entities ke saath kaam karte hain. Sab terms clearly disclosed. Aapka data confidential, sirf consent par share. Long-term trust ke liye built.

Apne sheher se shuruwat karne ke liye
Aaj Hi WhatsApp Karein — Free Jaankari
💬 WhatsApp Karein — +91 98332 16954
📌 Quick Summary

Quick Summary — Insurance Jaankari Hindi-English Mein

ProWiderKart free insurance jaankari deta hai — term life, family health, critical illness, business insurance — saare types ke liye comparison aur guidance. Tier 2/3 family ke liye budget-friendly options aur metro families ke liye comprehensive cover suggestions.

💬 Free Insurance Jaankari Lein — WhatsApp Karein

Explore ProWiderKart

💰 Loans
🛡️ Insurance
💳 Payment Gateway
🏛️ Govt Schemes
📋 Compliance
🤝 Partner
🧮 Tools
📚 Resources
🏭 Deep-Dive Guides
ℹ️ About

🤝 Help a Friend — Share This

Someone you know might find this useful

ProWiderKart ek financial facilitation platform hai — direct lender, insurer ya payment processor nahi. Hum RBI/IRDAI-regulated institutions se connect karte hain. T&C applicable. Full Disclaimer

📢 Join Our WhatsApp Channel

Weekly loan tips, govt scheme updates, aur insurance guidance — bilkul free

JOIN US

Free updates • No spam • Kabhi bhi leave kar sakte ho

ProWiderKart Se Insurance vs Direct Apply

ProWiderKart Se Insurance vs Direct Apply
Feature ProWiderKart Direct/Agent
Insurers Compared IRDAI-regulated insurers 1-2 only
Jaankari Charge ₹0 — Free May vary
Claim Support ✅ Provided ⚠️ Limited
Premium Ki Tulna Found ✅ Market best ❌ Limited options
Digital Process ✅ WhatsApp-first ⚠️ Office visits
Insurance 50 Sawaal — ComparisonFeatureProWiderKartDirect/AgentInsurers ComparedIRDAI-regulated insurers1-2 onlyJaankari Charge₹0 — FreeMay varyClaim Support✅ Provided⚠️ LimitedPremium Ki Tulna Found✅ Market best❌ Limited optionsDigital Process✅ WhatsApp-first⚠️ Office visits
Insurance 50 Sawaal: tulna ek nazar mein.

Zaroori Jaankari

Regulatory sthiti. ProWiderKart IRDAI ke paas broker, agent, corporate agent ya web aggregator ke roop me registered nahi hai. Hum insurance ki solicitation, sale ya advice nahi karte — sirf jaankari dete hain aur aapki sahmati par aapko IRDAI-regulated licensed partner tak pahunchate hain. Quotation aur underwriting usi partner ka hota hai.

Aamdani aur fees. Aapse koi fee nahi li jaati. Aap partner ke saath aage badhte ho to hum partner se referral remuneration paate hain — isse aapka cost nahi badhta.

Udaharan aur guarantee. Is page ke udaharan kalpanik hain. Approval, eligibility, claim, rate ya premium ka koi vaada nahi — sab licensed partner ke discretion par. Poori regulatory jaankari · editorial policy.

Insurance Ke Naye Guide

Cover lene se pehle ye sawaal khud se poochne chahiye — har guide ek hi cheez saaf karta hai.

Saare Insurance Guides dekhein

Insurance — Poori Coverage

District aur ilaake ke hisaab se insurance ki jaankari.

Aksar pooche jane wale sawal

Insurance policy ke liye kya documents chahiye?

Aadhaar Card, PAN Card, recent photo, income proof aur medical history details. ProWiderKart har step pe guide karta hai.

Apne liye sahi health cover kaise chunein?

Sahi cover aapki family size, budget aur medical history par depend karta hai. ProWiderKart aapko IRDAI-regulated licensed partner tak pahunchata hai.

ProWiderKart insurance mein charge kya hai?

Bilkul free. No consultation fee, no jaankari charges. Hum insurance companies se commission earn karte hain, aapse nahi.

Claim kaise karte hain?

Cashless claim ke liye network hospital mein jaao. Reimbursement ke liye bills collect karo aur insurance company ko submit karo. ProWiderKart claim support bhi deta hai.

Insurance premium kitna hoga?

Age, sum assured, plan type aur medical history pe depend karta hai. Free quote ke liye WhatsApp karein +91 98332 16954.

Cover Se Judi Baat Mein Sabse Zyada Confusion Kahan Hai

Insurance ke baare mein sabse zyada confusion ek hi jagah se aata hai: log ye poochte hain ki kya cover hota hai, par ye nahi poochte ki kya cover nahi hota. Aur asli dikkat hamesha doosri list se aati hai. Har policy mein kuch cheezein bahar hoti hain, kuch par limit hoti hai, aur kuch ke liye intezaar karna padta hai. Ye teen cheezein claim ke waqt sabse zyada saamne aati hain. Meri seedhi salah: policy lene se pehle exclusions ki poori list padhiye, aur jo samajh na aaye wo likhit mein poochhiye. Ye pandrah minute ka kaam hai jo saalon baad sabse zyada kaam aata hai.

Do Aur Cheezein Jo Aksar Chhoot Jaati Hain

Pehli, claim ka process. Kaun sa number, kaun se documents, aur kitne din ke andar batana hai. Ye jaankari emergency mein dhoondhne ka waqt nahi milta, isliye pehle se ek jagah rakhni chahiye jahan ghar mein sabko pata ho. Doosri, nomination. Naam sahi hai ya nahi, aur sthiti badalne par update hua ya nahi. Aap khud sochiye, agar cover ho par ghar mein kisi ko uska pata hi na ho, to zaroorat ke waqt wo kaam aayega kya? Isi liye policy ki jaankari ghar mein baantna bhi utna hi zaroori hai. ProWiderKart ek facilitator hai.

Yahan Log Sabse Zyada Chook Jaate Hain

Content transparency: Yeh page Team ProWiderKart ne research karke likha aur review kiya hai · Last reviewed: · ProWiderKart sirf ek facilitator hai — hum khud loan, insurance ya payment gateway provide nahi karte; aapko RBI/IRDAI-regulated licensed partners tak pahunchate hain · +91 98332 16954 · info@prowiderkart.com · Humare baare mein · Contact
Free Connect