Protecting Assam,
One Policy at a Time

Yes, at least Third-Party Liability insurance is mandatory by law for all vehicles in India under the Motor Vehicles Act, 1988. Driving without valid insurance can result in a fine of ₹2,000 (first offence) or ₹4,000 (repeat offence), and even imprisonment up to 3 months.

A family floater plan covers your entire family — spouse, children, and sometimes parents — under a single policy with one shared sum insured. Any family member can use the entire sum insured. It is more affordable than buying separate policies for each person and ideal for young families.

In cashless hospitalization, you don't pay the hospital bills upfront. The insurance company pays the hospital directly (if it's a network hospital). Steps:

1. Get admitted to a network hospital
2. Show your health insurance card
3. Hospital sends the pre-authorization request to the insurer
4. Insurer approves and pays the hospital directly
5. You pay only the non-covered expenses (if any)

Under Section 80D of the Income Tax Act:
• Self/spouse/children (below 60): Up to ₹25,000 deduction
• Parents below 60: Up to ₹25,000 additional deduction
• Senior citizen parents (60+): Up to ₹50,000 additional deduction
• Maximum total deduction: ₹75,000/year

This means health insurance also saves you tax — it's not just a health expense, it's a smart financial decision!

No! Our consultation, comparison, and advisory services are completely FREE. We earn a commission from the insurance companies — so you pay the same premium as anywhere else, but you get our expert guidance, claims support, and after-sale service at no extra cost.