Know Your Insurance Need Before You Buy
Estimate your insurance protection gap, compare key policy features, and receive transparent guidance from qualified Insurance Sales Persons (ISPs).
Which Insurance Protection Do You Need?
Understand how different policies protect your family, key parameters to compare, and how to avoid hidden coverage sub-limits.
Life & Income Protection
Pure term insurance covers your family's future living expenses, home loans, and children's higher education milestones in the event of an untimely demise.
- Human Life Value (HLV) calculation
- Nominee guidance
- Critical illness & waiver riders
Health & Mediclaim
Compare family floater and individual health insurance options, cashless hospital networks, room-rent terms, and Super Top-Up cost optimization.
- Room-rent terms and proportionate deduction clauses
- Pre-existing disease (PED) waiting periods
- Base + Super Top-up combination math
Motor & General Assets
Car, two-wheeler, and commercial property insurance with Insured Declared Value (IDV) calculations, Zero Depreciation add-on coverage, and fire/burglary protection.
- Understand IDV calculations and avoid under-insurance
- Understand Zero Depreciation add-on coverage conditions
- SME & Property Protection
How Much Insurance Do You Actually Need?
Many families may have less insurance cover than they actually need to protect their dependents from unexpected liabilities and living costs. Our Insurance Gap Calculator combines your household living costs, loans, milestone goals, and mediclaim to estimate your potential protection shortfall.
3-Minute Checkup
Evaluate Life Protection Gap + Health Mediclaim Buffer in one unified tool.
Already Have an Insurance Policy?
Policy terms can vary by product and policy year. Review important limits, exclusions and waiting periods before relying on your existing cover:
Request an ISP Policy Review
Connect with an authorized Insurance Sales Person (ISP) at RakshaPoint IMF for structured, parameter-based guidance within available insurer arrangements.
Why Consult an Insurance Marketing Firm (IMF)?
Understand the regulatory framework of an IRDAI-registered IMF and how available insurance options are evaluated clearly.
Policy Feature Comparison
Guidance is based on factual policy wordings, waiting periods, room-rent terms, and exclusions within available insurance arrangements.
Authorized ISPs
Insurance solicitation and consumer support are conducted strictly through authorized Insurance Sales Persons (ISPs) who meet applicable qualification and authorization requirements.
Insurance Calculators
Transparent tools - HLV, Term Needs, Health Cover, and Gap Calculators - help consumers estimate their coverage needs before deciding.
Claim Documentation Support
Assistance in understanding claim procedures, hospital cashless protocols, and structured grievance escalation up to the Insurance Ombudsman.
Essential Insurance Guides
Clear, plain-language guides to critical policy decisions and claim situations.
What can you do if an insurance claim is rejected?
Structured guidance to understand claim repudiation, submit a formal representation, and understand the Insurance Ombudsman process.
How can a nominee make a death claim?
Complete document checklist, death intimation workflow, beneficial nominee rights, and insurer claim settlement guidelines.
Why room rent sub-limits can increase out-of-pocket costs
Learn how proportionate deductions apply to doctor fees, ICU, and surgery charges when room rent limits are breached.
Frequently Asked Questions
Transparent answers regarding insurance needs, policy terms, and IMF regulatory procedures.