Pure risk cover sized to your income and liabilities, at the lowest premium for the cover amount.
Individual and family floater plans, reviewed against your family's actual medical history and hospital preferences.
Two-wheeler, car and commercial vehicle cover, with support at claim time, not just at renewal.
Home and business asset protection, structured around what would actually be costly to replace.
| Feature | Basic Term Cover | Comprehensive Health Riders |
|---|---|---|
| Purpose | Income replacement for your family if you pass away | Extra financial cushion for major illness, hospitalisation or critical diagnosis |
| Premium | Lower — pure risk, no savings component | Moderate — added on top of a base health premium |
| Payout trigger | Death during policy term | Diagnosis, hospitalisation, or specific listed events, depending on rider |
| Best suited for | Anyone with dependents or an outstanding loan | Those wanting cover beyond standard hospitalisation, e.g. critical illness |
A common starting point is 10-15 times your annual income, but the right number also factors in outstanding loans, dependents' future expenses like education, and any existing cover you already hold. A quick cover calculator gives a more personalised estimate than a flat multiple.
Term insurance is pure risk cover — a large payout to your family if something happens to you, at a low premium. A ULIP combines insurance with market-linked investment, at a higher cost and lower cover per rupee. Most financial planners recommend keeping protection and investment separate.
Yes. Beyond helping you choose a policy, we assist local clients with claim intimation and documentation when a claim arises, and we review your policy annually to check that your cover still matches your situation.
We distribute life insurance (term plans), health insurance (individual and family floater), motor insurance for two-wheelers, cars and commercial vehicles, and general insurance for homes and businesses, sourced from multiple insurers rather than a single company.
Kaizen Financial Services