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.
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Insurance Services
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.
Most Indian families are simultaneously over-insured on investment-linked policies and badly under-insured on pure protection. The starting point is a needs analysis: outstanding liabilities, income replacement, education costs and the timeline over which each applies.
Finvora quantifies the gap, reviews the policies you already hold, and recommends the least expensive structure that closes it — usually a straightforward term plan.
Why clients choose Finvora for this
Needs-based sum assured
A defensible number derived from your liabilities and dependants, not a multiple of salary.
Existing policy review
An honest assessment of whether to keep, reduce or make an old policy paid up.
Disclosure discipline
Correct medical and financial disclosure so the claim is not contested later.
Claim support
We assist your nominees at claim time — the moment that actually matters.
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
- Aged between 18 and 65, subject to the product.
- Able to complete medical underwriting where required.
Documents required
- PAN and Aadhaar
- Income proof for financial underwriting
- Recent medical reports, if any
- Existing policy documents for review
Frequently asked questions
For pure protection, term insurance delivers far more cover per rupee. Endowment and ULIP products bundle investment with protection and usually serve both purposes less efficiently.
Not if you disclose it. Claims are contested over non-disclosure, not over the condition itself. Complete disclosure at proposal stage is the single best protection for your family.
Related services
You may also need
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 Life 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.