Already have insurance? Audit your policy for hidden room-rent sub-limits, pre-existing disease exclusions, inflation erosion, and coverage gaps.
Enter your current policy details below to run an instant parameter-based health check on your insurance protection.
Let a qualified Insurance Sales Person (ISP) at RakshaPoint IMF review your actual policy wording to eliminate sub-limits and optimize your premium.
If your policy has a 1% room rent cap (₹5,000 on a ₹5L cover) and you occupy a room costing ₹10,000/day, the insurer will deduct 50% from not just the room bill, but also from surgeon fees, OT charges, and diagnostic fees.
Traditional endowment or money-back policies provide an average life cover of only ₹5–10 Lakhs while charging heavy annual premiums of ₹30,000–₹50,000, leaving families drastically under-protected.
Check if your policy imposes 24 to 48 months waiting for joint replacement, hernia, cataract, or kidney stones. Porting to modern zero-waiting plans can preserve accrued waiting credits.
Send your policy document to an authorized ISP for an objective parameter-by-parameter audit.
Speak with an ISP Helpline: +91 90685 73723Transparent parameter-based policy guidance from qualified Insurance Sales Persons (ISPs) under IRDAI IMF regulations.