Age 18-65, Indian resident, basic medical fitness. Kuch insurers 70+ tak bhi dete hain.
Annual income ka 10-15 guna — ₹50 lakh se ₹2 crore typical range hai.
Retirement age tak — typically 20-30 saal. Longer term = better coverage years.
PAN, Aadhaar, income proof (ITR/salary slip), medical reports (agar required by insurer).
High sum assured ya specific age pe medical test mandatory hoti hai. Insurer arrange karta hai.
Nominee ka naam, relationship, percentage clearly fill karo. Ek se zyada nominee allowed.
Annual, semi-annual, quarterly, ya monthly — apni convenience ke hisaab se.
ProWiderKart free jaankari deta hai — kaunsa insurer behtar hai, premium comparison, documents checklist. T&C applicable.
Jaankari aur facilitation bilkul free hai — koi consultation ya referral fee nahi. ProWiderKart facilitator hai. T&C applicable.
Nahi — claim approval aur settlement IRDAI-regulated insurer ki sole discretion par hai. ProWiderKart sirf facilitate karta hai. T&C applicable.
Typically PAN, Aadhaar, aur specific documents jo insurer require kare. ProWiderKart complete checklist provide karta hai free jaankari mein.
Monday se Saturday, 10 AM se 7 PM. Urgent queries ke liye message karo — jald se jald respond karenge.
Mumbai based hain — but service pan-India digital aur WhatsApp ke through. Physical visit ki zarurat nahi.
Step 1: Coverage decide karo — annual income × 15 + liabilities. Step 2: Term decide karo — retirement age tak. Step 3: ProWiderKart se free comparison lo — multiple insurers mein available option. Step 4: Online form fill karo — basic details, health declaration. Step 5: Nominee details carefully fill karo. Step 6: Medical test schedule hoga (agar required by insurer). Step 7: Premium pay karo — policy document receive karo.
Sabse important step. Past illnesses, surgeries, family history, current medications — sab honestly disclose karo. Non-disclosure = claim rejection risk. Ek common mistake: Smoker ka non-smoker declare karna — caught hone pe policy void. Premium thodi zyada ho sakti hai honesty se — but claim guarantee hoti hai.
Insurer empanelled diagnostic center pe appointment milta hai. Tests: Blood test (sugar, cholesterol, kidney function), urine test, ECG, sometimes chest X-ray. High cover pe: Treadmill test, echo, additional tests. Fasting typically required. Cost insurer bharta hai. Results 3-5 working days mein — policy process aage badhti hai.
Free look period: 15-30 days (insurer pe depend) — iss period mein review karo. Terms se dissatisfied ho toh full refund with minor deductions. Policy document safely store karo — physical + digital copy. Nominee ko location batao. Annual premium payment reminder set karo — lapse mat hone do.
ProWiderKart IRDAI-regulated insurance companies ke saath kaam karta hai. Hum facilitator hain — direct insurer nahi. Yeh distinction important hai: Hum aapko sahi institution se connect karte hain, final decision unka hota hai.
Aapke liye kaunse options ho sakte hain: Aapki age, city, family size, budget ke hisaab se. Multiple insurer comparison: Ek insurer pe dependent nahi — options dete hain. Document checklist: Kya kya chahiye — pehle se tayyar raho. Claim process guidance: Agar claim karni ho toh kaise karein — step by step samjhate hain.
ProWiderKart ka model: Insurer commission deta hai — aapko koi charge nahi. Conflict of interest? Hum matching plan recommend karte hain — galat sale se long-term reputation damage hoti hai jo hum afford nahi kar sakte. Aapka interest aur hamara interest aligned hain.
Insurance Regulatory and Development Authority of India sabhi insurance companies ka regulator hai. IRDAI ensure karta hai companies financially sound hain, products fair hain, claims settle hoti hain. Complaint mechanism: igms.irda.gov.in. Bima Lokpal: Free dispute resolution service. Yeh safeguards aapke liye hain — use karo agar zarurat ho.
Insurance decisions confusing lag sakte hain — kaunsa plan, kitna cover, kaunsa insurer, kya documents. ProWiderKart free jaankari mein sab sawaalon ke jawab milte hain. Hum IRDAI-regulated insurers ke saath kaam karte hain — unbiased guidance dete hain aapki specific situation ke hisaab se.
Comparison karte hain multiple options mein se. Document checklist provide karte hain. Claim process explain karte hain. Post-purchase support bhi available hai. WhatsApp pe message karo — team jald se jald respond karti hai. Service bilkul free hai — hum insurer se commission earn karte hain, aapko koi charge nahi. ProWiderKart facilitator hai — direct insurer nahi. Final policy terms aur issuance IRDAI-regulated insurer ki discretion par hoti hai. T&C applicable.
ProWiderKart se free guidance lo — kaunsa plan sahi hai, premium kitna hoga, documents kya lagte hain. WhatsApp pe poochho.
Free Jaankari — WhatsAppService free hai. ProWiderKart facilitator hai — direct insurer nahi. Final approval IRDAI-regulated insurer ki discretion par. T&C applicable.
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| 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 |
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.
Cover lene se pehle ye sawaal khud se poochne chahiye — har guide ek hi cheez saaf karta hai.
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