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🆓Free Jaankari
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✅Transparent Process
🛡️ India ka Complete Insurance Guide
Insurance India — Term, Health, Motor, Business Sab Kuch Ek Jagah
Konsa insurance lena chahiye, kitna cover, kaunsi company, claim kaise karte hain — sab confusion yahan clear hoga. ProWiderKart free mein unbiased guidance deta hai — kisi ek company ka agent nahi hai.
Pure protection. High cover, affordable premium. Every earning member MUST have this. 10-15x annual income cover lo.
Must Have
🏥
Health Insurance
Family ko hospital bills se protect karo. Cashless treatment. Min 5-10L sum insured ab.
Must Have
🚗
Motor Insurance
Legally mandatory — TP at minimum. Comprehensive recommended. Annual renewal — NCB build karo.
Legally Required
❤️🩹
Critical Illness
Cancer, heart attack, stroke — lump sum milta hai. Health insurance ka additional layer. Highly recommended.
Additional Layer
Smart Decision
Term vs Life Insurance — Clear Comparison
Term vs Life Insurance — Clear Comparison
Factor
Term Insurance
Endowment / Whole Life
ULIP
Primary Goal
Pure Protection
Protection + Savings
Protection + Investment
Premium (1 Crore, 30 yr)
~₹10,000/yr
~₹50,000/yr
~₹30,000/yr
Sum Assured
High (1Cr+ affordable)
Limited
Moderate
Maturity Benefit
Nahi
Haan
Market-linked
Returns
Koi nahi
Low (4-6%)
Market-linked
Recommended For
Everyone ✅
Specific cases
Long-term (10+ yr)
Smart Formula: Term plan lo + difference SIP mein lagao = Same protection + Better returns. Ye financially more efficient hai endowment se. Ek 30-saal ka insaan 1 crore term plan ke liye ~Rs.10,000/year pay karta hai — same endowment Rs.50,000+/year.
Health Insurance
Health Insurance — 5 Zaroori Checks Before Buying
1
Claim Settlement Ratio
95%+ ratio wala insurer chunein. IRDAI annual report mein publicly available hai. Paise milna zaroori hai claim pe.
2
Network Hospitals
Apni city ke hospitals check karo. Nearest speciality hospitals included hone chahiye. Cashless ke liye network mandatory.
3
Sum Insured Adequacy
ab min 5-10L per member. Medical inflation 10-15%/yr hai. Super top-up se cost-effectively badhaao.
4
Waiting Period
Initial 30-90 days, specific disease 1-4 saal, pre-existing 1-4 saal. Pehle se carefully check karo aur samjho.
5
Sub-limits & Co-pay
Room rent limit, disease-wise limits, co-payment percentage — carefully check karo. Hidden restrictions claim mein surprise deti hain.
Claim Process
Insurance Claim Process — Emergency Mein Confusion Nahi
🏥 Cashless Health Claim
Network hospital mein jaao
TPA desk pe insurance card dikhao
Pre-authorization lo (2-4 hrs)
Treatment karo — approved amount
Discharge pe only non-covered amount pay karo
💰 Reimbursement Claim
Kisi bhi hospital mein treat ho
Sab bills, prescriptions save karo
Discharge ke baad claim form bharo
Documents submit karo (online ya courier)
7-30 days mein bank account mein settlement
💡 Pro Tip: Claim documents organized rakho — hospital bills, prescriptions, test reports, discharge summary. Organized documents = faster claim settlement. Digital copies bhi rakho backup ke liye.
Tax Benefits
Insurance se Tax Benefits — Section 80C aur 80D
Insurance se Tax Benefits — Section 80C aur 80D
Insurance Type
Tax Section
Maximum Deduction
Condition
Life / Term Insurance Premium
80C
₹1.5 Lakh (combined)
All income tax payers
Health Insurance (Self/Family)
80D
₹25,000
Non-senior citizens
Health Insurance (Senior Citizen)
80D
₹50,000
Age 60+
Parents' Health Insurance
80D
₹25,000 extra
Additional benefit
Life Insurance Maturity/Death Benefit
10(10D)
Tax-Free (conditions apply)
Check eligibility
Insurance Plan Chahiye?
Age, family size aur budget batao — suitable plan free mein guide karenge.
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 ›
E-E-A-T
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.
50 Insurance FAQ
Insurance — 50 Important Sawaalon Ke Jawab
Neeche diye gaye sab sawaalon ke jawab hain. Aur sawaal ho to WhatsApp karo — +91 98332 16954
Insurance India par sabse zyada poochhe jaane wale sawaal.
General
Insurance kya hota hai — simple explanation?
+
Insurance ek risk transfer agreement hai. Tum regular premium bharte ho — ek defined risk hone par company fixed compensation deti hai. Medical bill, accident, death, property damage — risk ke hisaab se product alag hota hai. Financial safety net hai.
General
Term insurance kya hota hai?
+
Term insurance pure protection policy hai — death benefit only. Agar insured person ki death policy period mein hoti hai to nominee ko sum assured milta hai. No maturity benefit. Sabse low premium mein highest coverage milti hai. Har earning member ko term insurance hona chahiye.
General
Health insurance kyon zaroori hai?
+
India mein medical inflation 10-15% per year hai. Ek bhi hospitalization Rs.50,000 se Rs.5 lakh+ ka ho sakta hai. Health insurance ye financial shock absorb karta hai. Cashless treatment network hospitals mein milta hai — cash nahi nikalna padta.
General
Term vs life insurance — konsa better hai?
+
Term: pure protection, bahut low premium, high cover, no maturity. Endowment/Whole Life: protection + savings combo, high premium, maturity benefit. Financial experts recommend: term plan lo (high cover, low premium) + separate investment. Term clearly better for protection goal.
Charges
Family health insurance mein kitna sum insured lena chahiye?
+
ab minimum 5-10 lakh per member. Metro cities mein 10-15 lakh. Medical inflation consider karo — cover har 5-7 saal upgrade karo. Super top-up se cost-effectively badha sakte ho coverage.
Issues
Insurance claim reject kyun hota hai?
+
Non-disclosure of medical history, claim during waiting period, policy lapse, excluded condition, incomplete documents — ye common reasons hain. Pehle se sab disclose karo — ek bhi fact chhupane se claim reject ho sakta hai.
Process
Health insurance cashless claim kaise karte hain?
+
Network hospital jaao → TPA desk pe insurance card dikhao → pre-authorization lo (2-4 ghante) → treatment karo → discharge ke waqt hospital insurer ko directly bill karta hai. Tum sirf non-covered ya co-pay amount pay karo.
General
Insurance premium kitni hoti hai — example?
+
30 saal, non-smoker: 1 crore term plan — Rs.8,000-12,000/year. Family floater 10L health: Rs.12,000-18,000/year. Motor insurance: car value ka 2-4% comprehensive. Exact premium age, health, location pe depend karta hai.
General
Pre-existing conditions health insurance mein cover hoti hain?
+
Haan — 1-4 saal waiting period ke baad. Disclosure pehle se karo — nahi karne se claim rejection guarantee hai. Portability option available hai — existing waiting period credit milta hai new insurer pe.
General
Motor insurance mandatory hai kya?
+
Haan — Third Party motor insurance India mein legally mandatory hai. Comprehensive additional hota hai — apna vehicle bhi cover karta hai. Comprehensive recommended hai bade damage protection ke liye.
General
Critical illness insurance kya hai?
+
Defined serious illness (cancer, heart attack, stroke, kidney failure) diagnose hone pe lump sum milta hai — hospitalization bills se alag. Income replacement, alternative treatment, lifestyle adjustment — kisi bhi use ke liye. Health insurance ke additional layer ke roop mein.
General
Business insurance kyun zaroori hai?
+
Ek fire, ek theft, ek lawsuit — business saalon ki mehnat ko affect kar sakta hai. Property insurance, liability insurance, key person insurance, workmen compensation — business continuity ke liye essential.
General
Insurance portability kya hoti hai?
+
Health insurance ek insurer se doosre mein shift karna — waiting period credit milta hai, no-claim bonus milta hai. Agar current insurer se unhappy ho ya better terms mil rahe hain to port karo. IRDAI ka guaranteed right hai.
General
ULIP kya hota hai — lena chahiye?
+
Unit Linked Insurance Plan — protection + market-linked investment. 10+ saal ke liye consider karo. Charges compare karo carefully — kuch ULIPs mein high charges hoti hain. Pure protection ke liye term better, pure investment ke liye mutual fund better.
Process
Insurance ka premium kam kaise karein?
+
Jawan umar mein lo, online plans lo, annual payment karo, non-smoker declare karo, sirf zaroori riders lo, super top-up use karo health ke liye. Ye tips 10-30% premium saving possible karte hain.
General
Group health insurance kya hai?
+
Company employees ko provide karta hai — HR benefit. Bulk coverage hone se sasta hota hai individual se. Company premium pay karti hai. Limitation: job jaane pe coverage khatam — personal policy bhi rakho parallel.
Process
Health insurance network hospitals kaise check karein?
+
Insurer ki official website ya app pe network hospital list milti hai. City aur pincode se search karo. Important hai check karna — especially local hospitals aur specialists ke liye. Cashless ke liye network hospital zaroori hai.
General
No-claim bonus kya hota hai?
+
Claim-free year ke baad sum insured ya premium mein discount — NCB (No Claim Bonus). Health insurance mein typically 5-50% NCB accumulate hoti hai. Portability mein NCB transfer hoti hai. Preserve karne ki koshish karo small claims avoid karke.
Eligibility
Insurance nominee kaun ho sakta hai?
+
Family member — spouse, children, parents. Minor nominee ke liye appointee zaroor register karo. Nominee update karo life events pe — marriage, children birth, etc. Nominee updated nahi hone pe claim process complicated ho sakti hai.
Process
Life insurance death claim process kya hai?
+
Insurer ko inform karo → death certificate, policy document, nominee ID proof submit karo → investigation 7-15 days → claim settlement account mein. Tax-free hai Section 10(10D) ke under. Nominee ne policy details pehle se jaanni chahiye.
Process
Insurance agent se online insurance kaise alag hai?
+
Online: cheaper (no agent commission), direct comparison, immediate issuance. Agent: guided process, claim support, complex queries explain karta hai. First-time buyers ke liye agent-assisted process better — long-term mein value milti hai.
General
Health insurance renewal kab karna chahiye?
+
Annual renewal hoti hai — due date se pehle renew karo. Late renewal pe grace period (30 days typically) milta hai lekin gap mein claim nahi hota. Auto-renewal setup karo — lapse avoid karo.
General
Term insurance riders kya hote hain?
+
Accidental death rider: accident mein extra sum assured. Critical illness rider: defined illness pe lump sum. Waiver of premium: disability pe future premiums waive. Carefully select karo — unnecessary riders premium badhate hain.
General
Health insurance aur mediclaim mein kya fark hai?
+
Mediclaim older term hai — typically basic indemnity hospitalization cover. Health insurance broader term hai — comprehensive plans, day-care, OPD, critical illness, etc. Modern health insurance much more comprehensive hai.
General
Insurance mein deductible kya hota hai?
+
Deductible wo amount hai jo tum khud pay karte ho per claim — uske upar insurer pay karta hai. High deductible = lower premium. Health insurance mein co-payment bhi similar concept hai — typically 10-20% tum pay karo.
General
Travel insurance kyun lena chahiye?
+
International travel mein medical emergency, trip cancellation, lost baggage, flight delay — ye sab cover hota hai. Relatively cheap — trip cost ka 1-3%. Some countries (Schengen visa) mein mandatory hai.
General
Home insurance kya cover karta hai?
+
Structure damage (fire, earthquake, flood) aur contents (furniture, electronics) — dono cover ho sakte hain. India mein home insurance adoption low hai — but highly recommended especially flood/earthquake prone areas mein.
General
Super top-up health plan kya hai?
+
Base plan ke upar extra coverage — deductible ke baad activate hoti hai. Example: 5L base + 15L super top-up (5L deductible ke saath) = effectively 20L cover at low combined cost. Smart aur affordable coverage expansion.
General
Insurance claim mein TPA kya hota hai?
+
TPA (Third Party Administrator) — insurer ki behalf pe hospital bills process karta hai. Network hospitals mein TPA desk hota hai. Claim form, pre-authorization, settlement — TPA handle karta hai. Cashless process TPA ke through hoti hai.
Process
Insurance se tax benefit kaise milta hai?
+
Section 80C: life insurance premium — 1.5L tak deduction. Section 80D: health insurance premium — 25K (self), 50K (senior citizens). Section 10(10D): life insurance maturity/death benefit tax-free. Term plan recommend karo for maximum tax + protection benefit.
General
Kya insurance premium tax-deductible hai?
+
Haan — health insurance premium Section 80D ke under deductible hai. Self/spouse/children: 25K. Parents: additional 25K (50K agar senior citizen). Life insurance premium Section 80C mein — overall 1.5L limit mein.
Process
Insurance company ka claim settlement ratio kaise check karein?
+
IRDAI annual report mein claim settlement ratio publicly available hai. 95%+ ratio consider karo health ke liye. Term ke liye 97%+ ideal. Company choose karne mein ye ek important factor hai — paise se zyada zaroori claim milna hai.
General
Insurance mein waiting period kya hoti hai?
+
Initial waiting period (30-90 days): koi bhi claim allowed nahi hota. Specific disease waiting period (1-4 saal): certain conditions cover nahi hoti pehle. Pre-existing disease waiting (1-4 saal): pehle se existing conditions. Carefully check karo before buying.
General
Health insurance mein room rent limit kya hoti hai?
+
Kuch policies mein daily room rent cap hoti hai — actual room rent se zyada claim nahi milti. Example: Rs.3,000/day limit pe Rs.5,000 room liya — Rs.2,000 khud pay karo aur proportional reduction bhi ho sakti hai related expenses mein.
General
Life insurance surrender karna chahiye?
+
Nahi — generally advisable nahi. Surrender mein significant loss hota hai especially early years mein. Loan against policy better option hai urgency mein. Paid-up policy option bhi hota hai — premium band karo, cover reduced level pe continue.
Partner
Insurance agent partner program kya hota hai?
+
Insurance refer karo aur commission kamao — term, health, motor. First year premium ka 20-35%+ commission milta hai. Renewal pe trail income bhi. ProWiderKart ke saath join karo — free registration, training milti hai.
General
Maternity insurance kya cover karta hai?
+
Delivery charges, pre/post natal care, newborn cover. Waiting period typically 2-4 saal hoti hai. Family planning se pehle plan karo — waiting period se pehle policy lo. Kuch corporate plans mein maternity cover included hota hai.
General
Insurance mein co-payment kya hoti hai?
+
Co-payment mein tum har claim ka ek fixed percentage khud pay karte ho. Example: 20% co-pay — Rs.1 lakh bill mein Rs.20,000 tum, Rs.80,000 insurer. Premium kam hoti hai co-pay option mein. Senior citizens ke policies mein common hai.
General
Agar insurer bankrupt ho jaaye to?
+
India mein IRDAI regulated insurers hain. IRDAI last resort protection deta hai — policy transfer hoti hai another insurer ya claim supported hoti hai. Additional protection: public sector life insurer (public sector insurer) pe trust kar sakte ho government guarantee ke liye.
General
Insurance policy mein free look period kya hai?
+
Policy milne ke 15 days (online 30 days) mein review karo. Agree nahi ho to return karo — refund milta hai pro-rata basis pe. Ek baar ye period khatam — regular terms apply. Carefully read karo pehle 30 days mein.
General
Health insurance mein OPD cover hota hai?
+
Some plans OPD (Outpatient Department) cover karte hain — doctor consultation, diagnostics without hospitalization. Extra premium lagti hai. Frequent doctor visits karte ho to OPD cover valuable hai. Typically ₹5,000-25,000 per year OPD limit.
Charges
Term insurance mein smoking pe kitna fark padta hai?
+
Smokers ke liye term premium 20-50% zyada hoti hai. Non-smoker declare karo agar truly non-smoker ho — ye tumhara right aur benefit hai. Smoking chhod di hai to kuch insurers non-smoker status update karte hain — inquire karo.
General
AYUSH treatment insurance mein cover hota hai?
+
Haan — most modern health insurance plans AYUSH (Ayurveda, Yoga, Unani, Siddha, Homeopathy) treatment cover karte hain — AYUSH hospital mein admit hone pe. Exact coverage details policy document mein check karo.
General
Insurance aur investment — dono ek saath ho sakte hain?
+
ULIP mein dono combine hoti hain — lekin separately karo experts recommend karte hain: term plan lo (pure protection) + mutual fund ya SIP karo (investment). Ye mathematically more efficient hota hai typically.
General
Senior citizen ke liye insurance lena mushkil kyun hai?
+
Age badhne ke saath risk badh jaata hai — isliye premium zyada hoti hai, loading charges lagte hain, aur kuch plans milte nahi. 60+ ke liye dedicated senior citizen health plans available hain. Jaldi lena better — jawan umar mein long-term policy lo.
Documents
Insurance claim ke liye documents kya chahiye?
+
Health: discharge summary, hospital bills, prescriptions, test reports, claim form. Death claim: death certificate, policy, nominee ID, FIR (accidental death). Motor: FIR (accident), RC, DL, repair estimates. Organized documents fast claim settlement ensure karte hain.
General
Insurance premium unpaid hone pe kya hota hai?
+
Grace period milta hai (30-31 days typically) — iss mein pay karo, policy live rehti hai. Grace period ke baad policy lapse ho jaati hai — coverage khatam. Reinstatement possible hai — health checkup lag sakta hai. Lapse avoid karo — auto-debit setup karo.
General
ProWiderKart se insurance guidance free hai?
+
Haan — consultation, plan comparison, claim process guidance sab free hai. ProWiderKart commission referral model pe kaam karta hai — tumse koi charge nahi. Unbiased guidance milti hai — kisi ek company ke pockets se nahi chlate.
General
Insurance review kab karna chahiye?
+
Annual review: premium check, coverage adequacy. Life events pe: marriage (spouse add karo), children birth (sum insured badhaao), income increase (term coverage review), promotion (group insurance check). Regular review ensures adequate protection throughout life.
Naam aur number do — expert jald se jald WhatsApp karega. Bilkul FREE.
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🔍 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.
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.
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.
Multiple Companies: Ek hi jagah pe IRDAI-regulated insurers ki comparison — bilkul free.
Tier 2/3 Specific: Apne sheher aur budget ke hisaab se sahi cover ki recommendation.
Claim Assistance: Application se claim tak end-to-end support — jab bhi zaroorat ho.
No Hidden Cost: Aapse koi fee nahi li jaati. Hum partner se referral remuneration paate hain, jisse aapki policy ya loan ka cost nahi badhta. Insurance company se commission, aapse nahi.
India me insurance products IRDAI-regulated insurers ke through offer kiye jaate hain. Main categories: Health insurance (medical expenses), Term insurance (pure life cover), Life insurance (with savings), Motor insurance (vehicle), aur Business insurance. Premium age, sum insured aur health condition ke base par calculate hota hai. Section 80D + 80C tax (subject to tax laws, consult CA) benefits available.
💰 Partner Earning Potential
Refer karke up to ₹10,000+ per loan disbursal, up to ₹5,000+ per insurance policy, ya up to ₹5,000+ per PG activation* earn kar sakte ho.
*Indicative amounts. Actual commission varies. Payable only on successful disbursement / issuance / activation. T&C applicable. No guaranteed income. Full details →
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.
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.
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 Chunne Ka Sahi Kram Kya Hai
Cover ke baare mein sabse badi galti kram ki hoti hai. Log aksar wo cheez pehle lete hain jiski baat sabse zyada hoti hai, na ki wo jiski zaroorat sabse pehle hai. Practical kram ye hai: pehle health cover, kyunki uska istemaal sabse aam hai aur bina uske ek admission poori bachat kha jaata hai. Uske baad term cover, agar ghar mein aap par log nirbhar hain. Uske baad aapke kaam ke saadhan ka cover, jaise gaadi ya dukaan. Aur uske baad baaki sab. Sach bolu to, jo log is kram mein chalte hain unka har rupaya sahi jagah lagta hai, aur jo ulta chalte hain unke paas cover to hota hai par galat wala.
Har Cover Mein Do Cheezein Zaroor Dekhein
Chahe aap koi bhi cover lein, do cheezein har baar dekhni chahiye. Pehli, kya cover nahi hota, matlab exclusions ki poori list, kyunki asli dikkat hamesha wahin se aati hai. Doosri, claim ka process, matlab kaun sa number, kaun se documents, aur kitne din ke andar batana hai. Aap khud sochiye, in do cheezon ke bina premium ki tulna kis kaam ki hai? Bilkul nahi. ProWiderKart ek facilitator hai aur IRDAI ke paas broker ya agent ke roop mein registered nahi hai. Hum sirf free jaankari dete hain aur IRDAI-registered partner tak pahunchate hain.
Yahan Log Sabse Zyada Chook Jaate Hain
Cover ka kram ulta rakhna, zaroorat ke hisaab se nahi.
Exclusions ki list kabhi na padhna.
Claim ka process pehle se na samajhna.
Nomination ki detail purani chhod dena.
Sirf premium dekh kar faisla lena.
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