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Life & Health Insurance

Life & Health Insurance

Term Life, Health & Family Protection Solutions

Protecting your loved ones and safeguarding your hard-earned wealth begins with the right insurance portfolio. At Devam Finserve, we take the confusion out of insurance planning by offering tailored risk-protection solutions. Whether you are looking for a high-cover Term Life policy to secure your family’s financial independence, a Cashless Health Insurance plan to handle rising medical inflation, or specialized critical illness covers, our experts handle everything. We compare plans across India’s top IRDAI-approved insurance providers, managing end-to-end documentation, policy issuance, and hassle-free claim assistance so you enjoy complete peace of mind.

Umesh H. Munjani

We are committed to protecting families and individual wealth by delivering transparent, high-value insurance advice that ensures fast claim settlements when it matters most.

Key Features of Our Life & Health Protection

High claim settlement ratios, cashless hospital networks, and maximum tax savings tailored around your family’s needs.

High Claim Settlement Ratio

Access policies from top-rated insurers boasting a 98%+ CSR for guaranteed family protection.

Comprehensive Rider Add-Ons

Enhance basic coverage with accidental death, critical illness, and premium waiver benefits.

Cashless Hospitalization Network

Enjoy hassle-free cashless treatment across 10,000+ top network hospitals with instant approval.

Lifetime Renewable Policies

Secure health plans offering guaranteed lifetime renewability, NCB bonuses, and restored cover.

Maximum Tax Savings Benefits

Save up to ₹75,000 yearly in income tax under Section 80C and Section 80D provisions.

End-to-End Claim Assistance

Benefit from 24/7 dedicated claim support and hassle-free paper management by experts.

Insurance Eligibility & Required Documents

Streamlined onboarding criteria and simple documentation requirements for salaried, self-employed, and senior citizens.

Eligibility Criteria

Life & Health Eligibility
  • Age Limit: Minimum 18 to 65 years for fresh policy enrollment
  • Income Proof: Annual earnings based on desired sum assured
  • Medical Check: Basic tele-consultation or home check (if needed)
  • Resident Status: Indian residents, NRIs, and OCIs are eligible

Document Checklist

Policy Onboarding Documents
  • KYC Papers: Mandatory PAN Card, Aadhaar, Passport, or Voter ID
  • Income Records: Form 16, latest 3 salary slips, or 2 years ITR
  • Address Proof: Aadhaar, Passport, Utility Bill, or Rent Agreement
  • Health History: Existing medical reports or hospital summaries

Simple & Transparent Insurance Process

We eliminate the complexity of buying insurance. Our advisors help you compare, select, and activate policies effortlessly.

Pro Tips for Buying Life & Health Insurance

Maximize policy coverage, avoid claim rejections, and lock in lower premiums with these expert financial strategies.

Trusted Life & Health Insurance Partners

We collaborate with India’s leading insurance providers—including ICICI Prudential, HDFC ERGO, Care Health Insurance, Bajaj Allianz, Niva Bupa, and TATA AIA—to offer comprehensive term life, critical illness, and family health protection plans. Enjoy hassle-free claim settlements, cashless hospital networks, and customized coverage tailored to your financial security.

Life & Health Insurance FAQs

Term Life Insurance provides a lump-sum financial payout to your family in the event of your untimely demise. Health Insurance covers hospital bills, doctor fees, surgeries, and medical treatments for injuries or illnesses.

Yes, pre-existing conditions are covered after a standard waiting period (typically 12 to 36 months). Full medical disclosure ensures guaranteed claim settlement later.

Absolutely! Premiums paid for Term Life Insurance qualify for tax deductions up to ₹1.5 Lakhs under Section 80C, while Health Insurance premiums offer additional deductions up to ₹75,000 under Section 80D.

We act as your dedicated claim advocate—guiding your family through hospital cashless authorizations, organizing medical paperwork, and tracking claim settlements directly with the insurance provider.

At Devam Finserve, we believe financial growth should be simple, transparent, and accessible. Our experienced advisors work closely with you to structure custom loan, investment, and asset protection strategies that secure your financial future.

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