View and download policies, proposal forms, detailed wordings, network hospital list etc.
See escalation matrix, send service requests, track progress, get acknowledgements etc.
Intimate claim, fill claim form, share documents, track status, get reminders etc.
Buy cost-effective health insurance that protects your entire family Health insurance is a must buy because health care costs are rapidly rising as is incidence of hospitalization. Buying this insurance early and selecting thoughtfully ensures that waiting periods get done fast and the insurance can remain with you lifelong
Get pure risk life insurance that pays a large benefit if you die prematurely Term is the most cost-effective way to buy life insurance. It can also be bought as a keyman insurance to cover your company’s key executives. In that case the premiums are paid by the company and the death benefit also goes to it.
Buy mandatory third party cover as well as carefully selected extensions A well designed motor insurance will cover for the most likely accidents. For example, tyre bursts in expensive cars or engine seizures. Similarly it is possible to get zero depreciation covers that pay replacement cost of damaged parts
Cost effective travel insurances that are accepted by visa authorities Travel insurance that is customized for the countries that you visit and the duration of your travel. If selected carefully some insurances also cover emergency treatment due to pre-existing diseases upto certain limits.
Protect your home from damage and burglary Home insurance pays repair costs if your house is damaged by fire, earthquake, storms, flooding and riots. Burglary and theft can also be covered. The costs paid by the insurer depend upon the kind of insurance you buy and the deductible. Choose carefully.
Individual insurances are easy to buy with minimal documentation. The main work required is in the initial selection of the insurance. However, once the initial purchase is made, the insurances are meant to be kept for life.
You will get several renewal reminders from the insurer and your intermediary. The renewal rates are generally standardized and require no negotiation. It’s important not to allow a break because then you lose continuity benefits.
Most individual insurances offer several add-ons and riders. These can be useful to make your insurance more comprehensive. For example, a waiver of premium is useful for term insurance; critical illness riders are good to add on in the health or term insurance.
There can be a 50% difference between the highest and lowest priced individual insurances. Select carefully to get the best products. This is a long term decision so chose carefully.
The insurances are easy to buy and store. Keep a soft copy with you. Renewal processes are also streamlined as most insurers offer online renewal facilities.
Claim settlement is faster and more effective if you work with an intermediary. Insurers have a clearly specified claim process. The insurance regulator has clear guidelines that encourage insurers to pay claims in a timely manner. Grievance processes are also well laid out.
We have specialized underwriters and tie-ups with international experts.
We work with all insurers to get you the best options- both in terms of price and features.
Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.
We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.
We will advice you on risk management best practices.
See all your contracts renewal information in one place. Place service requests on PAM.