Quick Help for Insurance Needs
Chahe aapko nayi policy chahiye, existing policy review karni ho, ya claim / renewal me help — neeche diye gaye do boxes se direct enquiry kar sakte hain.
New Insurance Planning
Term life, health, motor, shop, property ya travel — agar aap nayi policy lena chahte hain aur samajhna chahte hain ki kaun si cover kitne sum insured ke saath sahi rahegi, to yahan se enquiry bhej sakte hain.
Enquiry for New PolicyRenewal, Change & Claim Support
Existing policy ka renewal, porting / change, sum insured revise karna, ya claim, documentation aur follow-up me support chahiye ho — to details ke saath enquiry bhej sakte hain.
Enquiry for Renewal / Claim HelpCore Insurance Categories We Handle
Protection should cover people, health, income and assets — that is why we work across life, health, motor, property and business risk, depending on client profile and requirement.
Life & Term Insurance
Term PlanIncome ProtectionFamily ke long-term financial security ke liye term insurance aur life cover planning — amount, tenure aur riders samajhkar.
- Human life value / income based cover discussion.
- Premium affordability & tenure selection.
- Basic rider awareness (accident, critical illness etc.).
Health & Mediclaim Insurance
IndividualFamily FloaterHospitalisation expenses ke against protection — individual ya family floater plans, room rent capping, waiting period aur network hospitals samajhkar.
- Sum insured selection as per city & family size.
- Pre-existing disease clauses & waiting periods.
- Cashless vs reimbursement process understanding.
Motor / Vehicle Insurance
CarTwo-WheelerCommercial VehicleComprehensive, third-party, zero dep, NCB protection and add-ons — car, bike aur commercial vehicles ke liye.
- New policy & renewal with NCB considerations.
- Right IDV and add-ons selection.
- Accident / damage claim documentation guidance.
Home & Property Insurance
BuildingContentsGhar, flat ya small commercial premises ke liye fire, burglary aur other perils cover — building aur contents dono ke liye.
- Sum insured estimation for structure & contents.
- Coverage scope & exclusions explanation.
- Basic documentation for proposals & claims.
Shop, Office & Small Business Insurance
ShopOfficeSMERetail shops, offices aur small businesses ke liye combined policies — stock, furniture, fixtures aur basic liability protection.
- Risk assessment as per business type.
- Fire, burglary, money & other add-on covers.
- Policy wording & key conditions samjhana.
Personal Accident, Travel & Other Covers
Personal AccidentTravelGroupSpecific needs ke liye additional protection — accidental death & disability plans, travel insurance aur small group covers.
- Stand-alone PA covers with income protection focus.
- Travel covers for medical, baggage & trip issues.
- Small group covers for teams where applicable.
How We Plan Insurance for Clients
Product se pehle requirement aur risk understanding aati hai — isliye hum pehle profile, responsibilities, existing covers aur budget dekhte hain, phir options discuss karte hain.
1. Profile & Responsibility View
Income, family members, dependants, liabilities (loans), assets aur future goals — yeh sab milkar decide karte hain ki kitni aur kis type ki insurance zaroori hai.
- Life cover ke liye income & liability mapping.
- Health & hospitalization risk assessment.
- Motor / property / business risk points identify karna.
2. Priority-Wise Cover Selection
Sab kuch ek saath lena zaroori nahi; pehle high impact risks cover karte hain (life, health), phir assets aur business risks dekhe jaate hain.
- Must-have vs good-to-have covers list.
- Budget ke hisaab se step-wise implementation.
- Overlap aur duplicate covers avoid karne ki koshish.
3. Terms, Conditions & Exclusions
Fine print samajhna important hai — claim time par surprise na ho, isliye basic conditions, waiting periods aur exclusions clear kiye jaate hain.
- Important exclusions & limitations highlight karna.
- Disclosure & proposal form ke points explain karna.
- Non-disclosure ke risk ke bare mein open discussion.
4. Documentation & Claim-Time Support
Proposal, KYC aur supporting papers properly assemble karna; aur claim ya service request aane par documentation me madad dena.
- Proposal & KYC checklist for each product.
- Intimation, forms & basic claim document guidance.
- Where possible, coordination with channels / support desks.
Note: Policy issuance, claim decisions and benefits are subject to terms & conditions of respective insurers and applicable regulations. Our role is to help with understanding, documentation and coordination based on information shared by you.
Who Typically Takes Insurance Services From Us
Individual, family, self-employed, shopkeeper ya small business — har profile ke risks alag hote hain, isliye approach bhi customised rehta hai.
Salaried & Working Professionals
Term, health & basic asset covers — salary-based budget ke hisaab se structured planning.
- Employer cover vs personal cover balance.
- Home loan / family responsibilities linkage.
Families & Joint Planning
Husband, wife, parents & children ke liye combined view — life, health, motor aur home covers.
- Single view of overall family protection.
- Premium distribution & priority planning.
Retailers, Shopkeepers & Traders
Shop, stock, cash-in-safe, liability & motor covers — small business continuity ke liye.
- Combined shop / office policies.
- Transit & cash risk discussion where relevant.
Professionals & Small Enterprises
Office, equipment, vehicles, employee health & basic liability — practice / business continuity ke focus se.
- Mix of group & individual covers.
- Premium vs risk reduction balance.
Simple 4 Step Insurance Process
Clear steps from requirement samajhna to policy documentation tak — taaki aapko har stage par pata rahe ki next kya hoga.
Requirement & Current Cover Check
Existing policies, gaps and responsibilities ko dekhkar requirement discuss karna — life, health, motor, property etc.
Options & Budget Alignment
Different coverage options, sum insured levels aur premium range discuss karke priority-wise shortlist banana.
Proposal, Documents & Issuance
Proposal form filling, KYC & documents arrange karna, and policy issuance / welcome kit details share karna.
Renewal & Claim-Time Support
Renewal reminders, changes in coverage and claim / service requests ke dauran documentation guidance dena.
Talk to Us About Insurance
Chahe aapko ek single policy chahiye ho ya complete protection review — detailed discussion ke liye aapka CMS enquiry form open hoga. Neeche diye gaye button se enquiry bhej sakte hain.
HimGiri FinGroup
Registered Address:
VPO Baijnath, Distt. Kangra
Himachal Pradesh, India
Branches: Paprola • Bhuntar • Kangra • Chandigarh • Noida • Delhi
Phone: 8076520212
Email: raganusood1@gmail.com
Send an Insurance Enquiry
Policy type (life / health / motor / shop / home / travel), approximate sum insured aur existing covers ka short note likh kar enquiry bhejenge to team aur focused suggestion de payegi.
Go to Insurance Enquiry Form