HDFC ERGO
2Xcover from day 1
Optima Secure+
Big family health cover that keeps growing
- ₹10 lakh to ₹2 crore cover, doubled from day one
- 100% of cover added every year, with no upper limit
- Cover restores unlimited times; room rent at actuals
Protection first
Insurance that protects what you are building
The right cover for your life, health, vehicle and business, explained simply, and support when you need to claim.
Featured plans · Health
Health, accident & travel plans
Plans our clients choose most from HDFC ERGO and ICICI Lombard. Tap Get a quote and we will compare the best option for your family, free.
ICICI Lombard
100%refill, unlimited times
Elevate
Smart health cover you can tailor
- ₹5 lakh to ₹3 crore cover, entry age up to 125
- Cover refills 100% unlimited times a year
- Diabetes & BP covered from day 31 (add-on)
ICICI Lombard
₹50 Lextra cover
Health Booster
Low-cost super top-up for extra cover
- Adds ₹5 lakh to ₹50 lakh above a ₹3–5 lakh deductible
- Works with your company or existing policy
- Lifelong renewal, tax benefit under 80D
ICICI Lombard
₹3 Crtop-up cover
Activate Booster
High super top-up with more features
- ₹10 lakh to ₹3 crore above your deductible
- Deductible falls 10% every renewal (add-on)
- Can become a full base policy at age 55–65
HDFC ERGO
₹5 Craccident cover
Koti Suraksha Personal Accident
Big accident cover at a nominal cost
- Accidental death & disability cover up to ₹5 crore
- Weekly income up to ₹1 lakh if you cannot work
- From ₹3,060 a year for ₹10 lakh cover
ICICI Lombard
Autoflight-delay payout
TripSecure+ Travel
Worry-free trips abroad
- For families, seniors, students, business & adventure travellers
- Medical emergencies, evacuation & dental, incl. life-threatening pre-existing conditions
- Automatic pay-out for flight or baggage delay; lost baggage & card fraud covered
Featured plans · Life
How much cover do I need?Term, savings & pension plans
Protect your family and build guaranteed income with HDFC Life and LIC.
HDFC Life
99.68%claims settled (FY25)
Click 2 Protect Supreme Plus
Term plan that grows with your life
- Increase cover on marriage, home loan & children
- Return of premium & extra accidental death cover options
- 15% lower premium for women; premium waiver options
LIC
₹5 Crlife cover
Yuva Term
Pure term cover from LIC for young earners
- Cover from ₹50 lakh to ₹5 crore, entry age 18–45
- Level or increasing cover; single, limited or regular pay
- Special rates for women and non-smokers
HDFC Life
Till 99guaranteed income option
Sanchay Plus
Guaranteed returns for your goals
- Guaranteed lump sum or regular income
- Income for 10–30 years or for life, with return of premiums
- Pay once option; defer income up to 10 years
LIC
10%of sum assured yearly
Bima Platinum
Guaranteed income with life cover
- Guaranteed Additions of ₹70 per ₹1,000 premium
- Regular income of 10% of sum assured every year
- Booster income of 70% of sum assured, plus life cover
LIC
Lifelong pension
Jeevan Dhara II
Guaranteed pension for life
- Pension rate locked in on day one, paid for life
- Start in 1 to 15 years; single or joint life
- Return of premium options; monthly to yearly payouts
Features are as per the insurers' published product information and may change. LIC plan benefits are guaranteed as per the sales brochure. Read the sales brochure and policy wording before buying.
Life Insurance
Make sure your family can keep their home, lifestyle and goals if you are not there.
- Term plans with high cover at low premiums
- Guaranteed income and savings plans
- Child plans and retirement pension plans
- Cover sized to your loans and goals
Health Insurance
One hospital stay can undo years of saving. Health insurance keeps your investments intact.
- Family floater and individual plans
- Plans for senior citizen parents
- Top-up and super top-up covers
- Cashless network hospital guidance
Motor Insurance
Comprehensive and third-party cover for cars and two-wheelers, with timely renewals.
- New policies and renewals
- Zero-depreciation and add-on covers
- No-claim bonus transfer
- Claim assistance
Business Insurance
Protect your shop, office, stock and key people so your business can keep going.
- Shop and office package policies
- Keyman insurance
- Group health and term cover for staff
- Fire, burglary and liability covers
Our licences
Insurers we represent
Our directors are IRDAI-licensed agents with these insurers. For other companies, we work through partner insurance intermediaries, so you can compare plans across the market.
| Agent | Type | Insurer | Agency code |
|---|---|---|---|
| Alok Kumar Sinha | Life | Life Insurance Corporation of India | 02174913 |
| Alok Kumar Sinha | General | ICICI Lombard General Insurance Co. Ltd. | ILG11539 |
| Swarn Shikha | Life | HDFC Life Insurance Company Ltd. | HDF 00908509 |
| Swarn Shikha | General | HDFC ERGO General Insurance Company Ltd. | HCG230403162755 |
| Swarn Shikha | Health | Star Health and Allied Insurance Co. Ltd. | BA0000232360 |
Insurance FAQs
Common questions
What is the difference between term and traditional life insurance?
Term insurance only pays if the insured dies during the term, so premiums are low and cover is high. Traditional plans combine insurance with savings, which means lower cover for a higher premium.
Should I buy health insurance if my employer covers me?
Yes. Employer cover ends when you leave the job, and is often too small for a family. A personal family floater gives continuous cover.
Will you help with claims?
Yes. We help you with documents, follow up with the insurer and stay with you until the claim is settled.
Insurance is the subject matter of solicitation. For details on benefits, exclusions, limitations and terms, read the sales brochure and policy wording carefully before concluding a sale. Insurance is offered through IRDAI-licensed agents Alok Kumar Sinha (IRDAI Licence No. 2539576) and Swarn Shikha, and partner insurance intermediaries.