Life Insurance
Protection sized to your family’s real obligations
Term, endowment and ULIP guidance grounded in a proper needs analysis — plus a review of what you already hold before you buy anything more.
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Insurance Services
Health Insurance
Cover that holds up when you actually claim
Individual, family floater and senior citizen plans compared on sub-limits, waiting periods and claim record — not just on premium.
Health policies differ far more in their exclusions than in their price. Room-rent capping, disease-wise sub-limits, co-payment clauses and proportionate deduction can turn an apparently adequate cover into a large out-of-pocket bill.
Finvora compares the wording rather than the brochure, factors in each insurer’s claim settlement behaviour, and structures a base plus super top-up combination that gives high cover at a sensible premium.
Why clients choose Finvora for this
Wording-level comparison
Sub-limits, co-pay, room rent and waiting periods compared side by side.
Top-up structuring
Base plus super top-up combinations that deliver high cover economically.
Portability guidance
Move insurer without losing accumulated waiting-period credit.
Claim assistance
Cashless coordination and reimbursement follow-up when you need it.
How the process works
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1
Free assessment
Share whatever paperwork you have. We verify the holding and tell you honestly whether a claim is worth pursuing.
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2
Documentation
We prepare every form, affidavit and indemnity, and tell you exactly what needs to be signed or notarised.
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3
Filing & follow-up
We file with the company, registrar, authority or lender and chase the file until it moves.
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4
Settlement
Funds or securities are credited directly to your account. You receive a closure report with every reference number.
Who is eligible
- Individuals and families; senior citizen plans available with medical screening.
- Pre-existing conditions accepted subject to declared waiting periods.
Documents required
- PAN and Aadhaar of all members to be covered
- Medical history and recent test reports, where applicable
- Existing policy documents for portability
Frequently asked questions
Rarely. It ends when the job does, is usually capped well below the cost of a serious illness, and cannot be ported. A personal policy taken while you are healthy is the safer base.
A defined initial span during which specified conditions are not covered — commonly 30 days for illness, one to two years for named ailments, and up to three or four years for pre-existing conditions.
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General Insurance
Motor, property, travel and liability cover
Non-life cover arranged and reviewed properly, so the sum insured reflects replacement cost and the exclusions hold no surprises.
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Start your claim
Start your Health Insurance with Finvora
Send us the details you have. We will confirm whether a claim is viable, what it costs and how long it takes — before you commit to anything.