Who depends on you?
Income replacement and family responsibilities can shape life-insurance conversations.
← All services
Insurance & protection support
Protect what matters with clearer questions first.
Wriddhi helps individuals and families understand protection needs, policy features and application steps, with product facilitation through applicable licensed insurance arrangements.
✓
01Life
02Health
03General
04Review
Begin with your responsibilities
Insurance is more than a premium comparison.
Understand whom or what you are protecting, the financial impact of an event, the policy conditions and the trade-offs before applying.
What costs could arise?
Hospitalisation, illness, accidents and property damage can create different protection needs.
What is already covered?
Review employer, personal and family policies before assuming a gap or duplication.
What are the conditions?
Read exclusions, waiting periods, deductibles, limits, disclosures and claim requirements.
Protection areas
Different risks need different conversations.
Term life
Income-replacement protection for dependants, subject to underwriting and policy terms.
Health insurance
Hospitalisation and healthcare cover with limits, exclusions, waiting periods and network conditions.
Personal accident
Specified accident-related death or disability benefits, as defined by the policy.
Motor insurance
Mandatory third-party protection and optional own-damage cover for eligible vehicles.
Home & property
Protection for specified property or contents against risks listed in the policy.
Travel insurance
Defined travel-related events, medical emergencies and other benefits subject to policy scope.
How facilitation works
From protection question to policy documents.
Discuss the need
Identify the people, assets or events for which protection is being explored.
Review information
Understand product type, insurer, premium, benefits, limits and material conditions.
Disclose accurately
Provide complete health, occupation, lifestyle and other information requested in the proposal.
Insurer evaluates
The insurer decides underwriting, premium, exclusions, issuance and policy terms.
Keep records
Store proposal, policy schedule, receipts, endorsements, nominee details and claim contacts.
Before accepting a policy
Read the details that change the cover.
A short product summary cannot replace the proposal form, policy wording and schedule issued by the insurer.
01Sum insured or assured
The maximum benefit is subject to the policy's definitions and conditions.
02Exclusions
Events, treatments or circumstances not covered by the policy.
03Waiting periods
Time periods during which specified benefits may not be available.
04Deductibles and limits
Amounts, sub-limits, co-payments or conditions that can affect a claim.
05Disclosure obligations
Material information must be complete and accurate during application and renewal.
06Renewal and claim process
Understand timelines, documentation and official insurer contact channels.
Clear roles protect everyone
What Wriddhi can and cannot do.
We can
- Explain policy concepts in plain language
- Help route an application through the applicable channel
- Support document and service coordination
- Point you to insurer claim and grievance channels
We cannot
- Act as the insurer or underwriter
- Guarantee policy issuance or premium
- Assure approval or payment of a claim
- Override insurer terms, exclusions or decisions
What may be needed
Accurate information matters.
Requirements depend on product, insurer and underwriting. Use only verified application and document channels.
Identity & address
informationAge and contact
detailsHealth and medical
informationOccupation & lifestyle
informationNominee and bank
detailsExisting-policy
information
informationAge and contact
detailsHealth and medical
informationOccupation & lifestyle
informationNominee and bank
detailsExisting-policy
information
If a claim arises
Notify early. Follow the insurer's process.
Use the claim helpline, app, portal or contact shown in the policy documents.
Provide accurate forms, bills, reports, incident records and other requested documents.
Retain acknowledgement, claim number, correspondence and document copies.
Approach the insurer's grievance officer, then the applicable IRDAI/Bima Bharosa or Ombudsman route.
Grievance route
Start with the policy provider.
Keep policy, proposal, premium, claim and correspondence records available when raising a concern.
Wriddhi support
Contact support@wriddhi.in for coordination within the applicable service scope.
Insurer grievance officer
Use the grievance contact and escalation details printed in the policy documents or insurer website.
Service intermediary
Use the service and grievance channel identified in the facilitated transaction and policy records.
Regulatory escalation
Use the current IRDAI/Bima Bharosa and Insurance Ombudsman route where applicable.
Frequently asked
Understand the policy relationship.
Is Wriddhi an insurance company?
No. The applicable insurance company named in the policy documents issues and underwrites the policy.
What is Wriddhi's role?
Wriddhi facilitates access through applicable licensed insurance arrangements and provides process and service coordination within that scope.
Can policy issuance be guaranteed?
No. Issuance, underwriting, premium and policy terms are decided by the insurer based on the application and applicable requirements.
Can a claim be guaranteed?
No. Claims are assessed by the insurer against the policy terms, disclosures, documents and circumstances of the event.
Why must health and lifestyle information be accurate?
Incomplete or incorrect material information can affect underwriting, policy terms and claim assessment. Review the proposal carefully before submission.
Where are the exact benefits and exclusions?
Refer to the policy wording, schedule, customer-information sheet, proposal record and endorsements issued by the insurer.
Start with protection
What would you like to protect more clearly?
Tell us whether your question relates to family income, health, accident, vehicle, property or travel protection.