Travel
Medical emergencies, evacuation, lost baggage and trip delays abroad. Some countries require cover for a visa; we match the plan to the destination and the length of stay, including student travel.
Insurance Advisory
Cover built around the risks you actually carry.
We start with your family, income, loans, health and business — then match cover from four insurers we know well. Two free tools below let you check your own numbers first.
Life insurance · Bajaj Life Insurance
A number your family can live on.
A is the most direct way to protect the people who depend on your income. The hard part isn't buying one; it's choosing the right amount, the right term and the right — and keeping it current as life changes.
What we look at
- Who depends on your income, and for how long
- Loans that would pass to your family
- Big future costs — education, a parent's care
- Cover you already hold, including through work
- A term that runs to the end of your earning years
- Riders worth paying for, and ones that aren't
- Nominee details that make a claim simple
Life cover gap calculator
Usually until the youngest child is independent, or until retirement.
Children's education, a parent's care, a wedding.
Include cover from your employer.
Estimated cover gap
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Total need: —
A simple needs-based estimate on your own figures. It ignores inflation and investment returns, which we factor in when we meet. Not a quote or a recommendation.
Health insurance · ManipalCigna and Star Health Insurance
The clauses decide the claim.
Two policies with the same can pay out very differently. We read the wording so you don't find out at the hospital desk.
If you have cover through work, we treat it as the first layer — useful, but it ends when the job does. A personal base policy, or a top-up over your employer's cover, keeps you protected between jobs and into retirement.
The four clauses that matter
- — a costlier room can cut the whole bill, not just the room.
- waiting period — how long before existing conditions are covered.
- Treatment — caps on named procedures inside your sum insured.
- — whether the hospitals near you offer treatment.
Room-rent decoder
Room-rent limit in the policy
You pay out of pocket
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Illustrates proportionate deduction as many Indian health policies apply it. Wording differs between policies — ICU rules, co-pay, deductibles and non-payable items are not modelled. Your policy document governs.
Motor insurance · ICICI Lombard
Renewal is not a formality.
Third-party cover is required by law; own-damage cover protects your vehicle. The difference between a good and a poor motor policy shows up in the , the add-ons and how your is handled.
What we sort out
- An IDV close to your vehicle's real value — not lowered to shave the premium
- Add-ons worth having, such as on a newer car
- Your no-claim bonus carried across when you switch insurer or vehicle
- Renewal before expiry, so you are never uninsured on the road
- Help with garage, surveyor and claim paperwork after an accident
Travel, home and personal accident
The covers people remember too late.
Home
The building and what's in it, against fire, flood, earthquake and burglary. Owners insure the structure and contents; tenants can insure contents alone.
Personal accident
A fixed benefit for accidental death or permanent disability, and often a weekly amount while you can't work. Health cover pays the hospital; this protects the income.
Business & group
Group health, group term and property cover.
Insure premises, stock and machinery at — what it would cost to rebuild and replace new. Under-insure, and the cuts every claim in the same proportion, even a small one.
For your team
- Group health cover, including family members if you choose
- Group term life cover
- Group personal accident
For your premises
- Fire and allied perils on building, stock and machinery
- Burglary and theft
- Shop and office package policies
Our insurance partners
Who we place cover with, and why.
Four insurers, each strong in a different line. We don't add insurers to look bigger; we'd rather know four well.
Agency code ABLIC1003127343
Life insurance partner
Bajaj Life Insurance
We place life cover with Bajaj Life Insurance for its range of term protection, riders and long-term plans. For most families the starting point is a pure term plan; savings plans come after protection is in place, not instead of it.
Typical plans we advise on
- Term life plans
- Term with return of premium
- Accidental death and disability riders
- Critical illness riders
- Savings and guaranteed income plans
- Group term life for employers
Agency code ILG38351
General insurance partner
ICICI Lombard
ICICI Lombard covers the things you own and the risks your business runs: vehicles, travel, home, property and liability. We use it for motor, travel, home, personal accident and commercial property cover.
Typical plans we advise on
- Private car and two-wheeler (comprehensive and third-party)
- Motor add-ons such as zero depreciation and engine protection
- Overseas and student travel
- Home structure and contents
- Personal accident
- Fire, burglary and shop or office packages
Agency code CTH1056716
Health partner
ManipalCigna
ManipalCigna is one of our two health partners. We look at it for individual and family floater cover, for top-up and super top-up plans over an existing base policy, and for group health for teams.
Typical plans we advise on
- Individual health plans
- Family floater plans
- Super top-up over employer or base cover
- Personal accident
- Critical illness cover
- Group health for employers
Agency code SHABA0000760550
Health specialist partner
Star Health Insurance
Star Health Insurance is a standalone health insurer. We look at it for family floaters and in particular for senior-citizen cover and plans designed around specific conditions.
Typical plans we advise on
- Family floater plans
- Senior-citizen health plans
- Plans for specific conditions
- Critical illness cover
- Top-up and super top-up
- Personal accident
Bajaj Life Insurance, ICICI Lombard, ManipalCigna and Star Health Insurance are independent companies. Their names and logos are trademarks of their respective owners and are shown for identification only. Social Googol arranges cover through insurer-appointed agency codes; plan names, features and eligibility are governed by each insurer's policy documents.
Claims support
The part that decides whether the advice was worth anything.
For and reimbursement claims alike, we stay with you until each claim is settled.
Intimation
We help you notify the insurer or within the policy's time limits.
Documentation
A checklist for your claim, and a second look before anything is submitted.
Assessment tracked
We follow up on queries and keep you informed, so nothing sits unanswered.
Escalation if it stalls
Through the insurer's grievance process — and beyond it if needed.
Be ready before you need it
A claim checklist, and a nudge before renewal.
Most claim delays come down to a missing document. Most lapses come down to a forgotten date. These two fix both.
Claim document checklist
A general list. Your insurer may ask for more or fewer documents — we confirm the exact list for your policy.
Renewal reminder
The calendar file is made in your browser and works with Google, Apple and Outlook calendars.
Questions
Insurance questions, answered plainly.
Enough to replace the income your family relies on for as long as they would need it, plus any loans and big future costs such as education — minus what you already hold. The calculator above does this arithmetic; in a meeting we refine it with inflation and your actual expenses.
It depends on the insurer, your age, the amount of cover and your medical history. Many plans need only a declaration at younger ages; others ask for tests. Always declare existing conditions honestly — non-disclosure is a common reason claims are refused.
We treat employer cover as a useful first layer, not the whole plan. It usually ends when you leave the job, and buying later — when you may be older or have a condition — is harder. A personal base policy, or a super top-up over employer cover, closes that gap.
Health insurance pays hospital bills. Personal accident cover pays a fixed benefit for accidental death or disability, and often a weekly amount while you cannot work. One does not replace the other.
At reinstatement value — what it would cost to rebuild and replace new. If you insure for less than the true value, the average clause reduces every claim in proportion, even a small one.
Life and health cover go with you; tell the insurer your new address. For health, check which network hospitals are near your new home. Motor and home policies may need updating, because premiums depend on where the vehicle or home is.
Let us find the gaps before something does.
Bring your existing policies. We'll read them and tell you what they do and don't cover — free.
Or call / WhatsApp +91 81262 10003