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Yes. Insurance is subject to underwriting and product eligibility. The insurer determines acceptance, loading, exclusions or other terms according to its underwriting rules and applicable regulations.

The plan cards are enquiry options. Final eligibility, premium, underwriting, availability and policy terms are determined by the insurer and the applicable policy documents.

Yes. Where PolicyMaart has uploaded the current document, the plan card provides Brochure and Policy Wording links. Always check that the document corresponds to the product/version you intend to purchase.

Health insurance portability may be available subject to applicable rules and the insurer’s process. The timing, continuity credits and underwriting requirements depend on the case and policy terms.

Renewal after expiry may be possible, but the insurer may require inspection and there can be consequences for a break in coverage. Do not drive without the legally required cover.

Employer cover can be useful, but it may change with employment and may have limits. A personal policy can provide an additional layer of protection. Review the employer policy, exclusions, waiting periods, room limits and family coverage before deciding.

Tobacco use can affect underwriting and premium because insurers assess risk based on the information disclosed in the proposal. Always disclose tobacco use accurately.

No. Submitting the form only creates an enquiry. A policy is issued only after the insurer’s proposal, underwriting, payment and issuance process is completed.

There is no single amount that fits everyone. Consider income replacement, liabilities, dependants, future goals, existing assets and other life cover, then discuss the appropriate amount with an advisor.

No. Any premium shown by an insurer can depend on age, location, cover, members, medical history, policy term, add-ons, taxes and underwriting. PolicyMaart quote requests are enquiries, not guaranteed premium quotations.

For an eligible cashless claim at a network hospital, the insurer or TPA settles covered expenses with the hospital subject to policy terms and authorisation. Always verify network status and pre-authorisation requirements.

Third-party motor insurance covers specified legal liability arising from injury or property damage to third parties, subject to the law and policy terms. It is distinct from own-damage/comprehensive protection.

A super top-up is designed to add protection above a deductible or existing cover. The exact trigger, deductible structure and eligible expenses depend on the product wording.

A waiting period is a period during which specified conditions or treatments are not covered, subject to the policy wording. Different waiting periods can apply to initial claims, pre-existing diseases, maternity and specified illnesses.

Comprehensive motor insurance generally combines third-party liability cover with own-damage protection, subject to the selected policy, exclusions and deductibles.

Term insurance provides life cover for a specified period. If the insured event occurs during the policy term, the death benefit is paid to the nominee subject to the policy terms. Standard pure-risk term plans generally do not pay a maturity benefit.

Compare sum insured, room limits, waiting periods, exclusions, co-pay, restoration/recharge rules, network hospitals, claim process, renewal terms and optional benefits. Read the brochure and policy wording before purchase.

The mobile number is used to contact you about the insurance enquiry and to coordinate the next steps. We recommend providing a number you can answer.