Protection made
personal.

Insurance acts as your primary financial safety net against life’s unpredictable emergencies—such as medical hospitalizations, sudden accidents, premature loss of an earning family member, or damage to your vehicle and business assets.

Instead of depleting your lifelong savings, emergency funds, or taking high-interest loans during a crisis, an appropriate insurance policy transfers that financial risk to the insurer—guaranteeing that your family’s health, lifestyle, and financial future remain secure.

While buying online via apps is possible, automated portals rarely highlight critical fine print—such as room-rent sub-limits, disease-specific waiting periods, proportional deductions, co-pay clauses, or vehicle depreciation rules that lead to unexpected claim rejections.

At Jagruti Insurance Consultancy (JIC), led by G.H. Solanki with 30+ years of advisory experience, we evaluate your health profile and budget to select the right cover with zero bias. Crucially, when an emergency strikes, you have an experienced personal advisor managing your claim documentation, hospital approvals, and insurer follow-ups.

JIC provides end-to-end guidance and servicing across all personal and commercial insurance lines:

• Health & Mediclaim: Individual, Family Floater, Senior Citizens, Critical Illness, and Super Top-up plans.
• Term Life Insurance: High-cover pure life protection securing your family’s future income and liabilities.
• Motor & Vehicle: Comprehensive, Third-Party, and Zero-Depreciation cover for two-wheelers, private cars, and commercial fleets.
• Personal Accident: Worldwide 24/7 financial protection against accidental death, disability, and income loss.
• Business & Commercial: Fire & Special Perils, Factory & Shopkeeper packages, Workmen Compensation, Marine/Cargo, and Group Health Insurance.
• Travel Insurance: Comprehensive medical emergency, trip cancellation, and baggage loss protection for domestic and international trips.

Yes, absolutely. We offer complimentary, comprehensive policy audits for any active policy, regardless of where or through whom you bought it.

We review your policy to uncover hidden room-rent caps or co-pays, ensure your sum insured matches current medical inflation, check your accumulated No-Claim Bonus (NCB), and assist in seamlessly porting your policy to better plans while preserving all accrued waiting-period continuity benefits.

Premiums are determined by key underwriting factors: entry age, sum insured, pre-existing medical conditions, city of residence, policy term, and selected add-on riders. For vehicles, it is based on vehicle age, cubic capacity (CC), and Insured Declared Value (IDV).

Ways to optimize your premium:

• Buy Early: Starting health and term life policies young locks in lower lifetime premiums.
• Use Super Top-ups: Enhance your health cover (e.g. ₹5 Lakh base + ₹20 Lakh Super Top-up) at a fraction of the cost of a high base policy.
• Maintain No-Claim Bonus (NCB): Earn up to a 50% discount on vehicle own-damage premiums and bonus coverage on health policies for claim-free years.
• Multi-Year Discounts: Opting for 2 or 3-year policy terms often provides upfront premium discounts of 7.5% to 15%.

Claims are the true test of any insurance policy, and we handle them with utmost priority:

• Immediate Guidance: Call or WhatsApp us (+91 99240 90239) immediately when hospitalization is planned or occurs in an emergency.
• Cashless Coordination: We verify network hospital eligibility and ensure pre-authorization forms are correctly submitted to the Third-Party Administrator (TPA).
• Document Verification: For reimbursement claims, we review hospital discharge summaries, itemized bills, pharmacy receipts, and diagnostic reports to ensure zero missing paperwork.
• Insurer Follow-up: We actively track settlement status with the insurance company until the claim is approved and disbursed.

1. Cashless Hospitalization: Available at the insurer’s network hospitals. The hospital’s TPA desk directly submits your pre-authorization request. Once approved, the insurance company settles eligible medical bills directly with the hospital, and you only pay for non-medical items.

2. Reimbursement Claim: If admitted to a non-network hospital or in an emergency where cashless was not feasible, you pay the bills at discharge. You then submit original bills, discharge summary, reports, and claim forms to the insurer for reimbursement within 15–30 days. We guide you step-by-step through both processes.

You should always renew your policy 7 to 15 days before the exact expiry date to ensure continuous protection:

• Health Insurance: A 30-day grace period is provided to pay the premium without losing waiting-period continuity benefits; however, any illness or hospitalization occurring during the lapsed days is strictly NOT covered.
• Motor Insurance: Driving with an expired policy is illegal under the Motor Vehicles Act. A break in policy requires vehicle reinspection and risks the permanent loss of your accumulated No-Claim Bonus (NCB) after 90 days.

JIC sends timely renewal alerts well in advance so your policies never lapse.

If an insurer delays, deducts, or rejects a claim, do not panic. Many initial rejections arise from missing hospital documentation, billing code discrepancies, or misunderstood medical histories.

At JIC, we examine the exact rejection letter and policy clauses, obtain necessary clarifying certificates from your treating doctor, and file a formal representation to the insurer’s Grievance Redressal Committee. If needed, we guide you through escalating the dispute to the Insurance Ombudsman for an independent, fair resolution.

Documentation is simple, streamlined, and digital:

• Health & Life: Photo ID & Address Proof (Aadhaar, PAN Card, or Passport), passport-sized photograph, proposer bank details / cancelled cheque (for direct claim settlements), and recent medical reports (if required by age/cover sum).
• Motor Insurance: Previous policy copy, Vehicle Registration Certificate (RC), and transfer papers (if pre-owned vehicle).
• Business Insurance: GST Registration certificate, commercial premise address proof, and asset/stock inventory statements.