Why Consider RakshaPoint IMF
We help consumers understand their insurance protection needs before they buy. Explore the 6 foundational pillars that make our guidance transparent, parameter-based, and regulated.
6 Pillars of Consumer-First Insurance Guidance
Designed to support transparent insurance guidance and provide factual clarity.
1. IRDAI-Registered IMF
Governed by strict statutory codes of conduct, capital adequacy, and regulatory compliance standards under the IRDAI (Registration of Insurance Marketing Firm) Regulations.
2. Qualified Insurance Sales Persons (ISPs)
You speak with authorized Insurance Sales Persons (ISPs) who have completed mandatory regulatory qualifications. We aim to avoid high-pressure sales practices and operate through qualified Insurance Sales Persons (ISPs).
3. Education & Need First
We believe policyholders should understand their estimated insurance gap before considering a policy. Our Insurance Gap Calculator and HLV tools provide transparent mathematical estimates.
4. Existing Policy Review
Already have insurance? We help audit older policies for room-rent terms, proportionate deductions, sum assured adequacy, and pre-existing disease waiting periods to optimize your coverage.
5. Claim Process Guidance
We assist families with hospital cashless pre-authorizations, death claim document checklists, and repudiation representations. We never make misleading claim settlement guarantees.
6. 4-Step Grievance Redressal
Transparent escalation matrix from our Designated Grievance Officer (Mrs. Ritika) to Principal Officer (Mr. Pushkal), the concerned insurer, and statutory escalation to IRDAI Bima Bharosa and Insurance Ombudsman.
Our Consumer Protection Commitment
Clear boundaries between transparent consumer guidance and statutory insurance terms.
What RakshaPoint Does
- Provides educational calculators to estimate your insurance gap.
- Compares policy features, room-rent terms, and exclusions within available insurer arrangements.
- Highlights waiting periods and sub-limits before you fill any proposal.
- Offers free existing policy checkups to detect coverage shortfalls.
- Provides step-by-step claim filing guidance and document checklists.
What We Do Not Promise
- We do not claim to represent every insurer in India unless formal arrangements exist.
- We do not guarantee 100% claim approval (claims are determined by insurers).
- We do not promise unrealistic investment returns on traditional policies.
- We do not pressure you with daily aggressive promotional calls.
- There is no charge for using our educational calculators or submitting an initial enquiry.
Know Your Insurance Need Before You Buy
Take 3 minutes to evaluate your family protection gap, or connect with a qualified Insurance Sales Person (ISP).