Compare Health & Motor Insurance Online —Ashlar India

General insurance protects you against financial losses from unexpected events — like hospitalisation, car accidents, home damage, or travel emergencies. Unlike life insurance, it is renewed annually and covers your health, vehicle, home, and possessions — not your life itself. Coverage is subject to the policy's specific terms, conditions, and exclusions.

Yes. Third-party motor insurance is legally mandatory for all vehicles in India under the Motor Vehicles Act. Driving without valid insurance can result in a fine of ₹2,000 for the first offence and ₹4,000 for subsequent offences — plus possible imprisonment. Renew your policy before it expires.

No-Claim Bonus is a reward for not making any claims in a policy year. In health insurance, it typically increases your sum insured for each claim-free year — at no extra cost. In motor insurance, it gives you a discount on your next year's premium. NCB is a significant benefit — make claims only when necessary to protect it.

A waiting period is the time you must wait after buying a policy before certain conditions are covered. Common waiting periods include 30 days for most illnesses (from policy start), 2–4 years for pre-existing diseases, and specific waiting periods for maternity, cataract, joint replacement, and other procedures. Compare waiting periods carefully — especially if you have existing health conditions.

When you claim for vehicle repairs, the insurer normally deducts depreciation — the reduced value of old parts replaced. With zero depreciation cover (also called bumper-to-bumper insurance), the insurer pays the full cost of parts and repairs without any depreciation deduction. It is worth considering for newer vehicles.

The right health insurance plan varies by age, cover amount, city, family size, and existing health conditions. Compare plans on Ashlar India to see real-time, personalised premiums from IRDAI-licensed insurers. Look at claim settlement ratios, network hospitals in your city, waiting periods, and room rent limits — not just the premium.

A family floater plan covers your entire family — yourself, spouse, children — under a single sum insured. Any family member can use up to the total cover amount in a policy year. Floater plans can be cost-effective. However, if multiple members fall ill in the same year, the shared sum insured may not be sufficient — choose an adequate cover amount.

In a cashless claim, your insurer settles the hospital bill directly with the network hospital — without you paying upfront (beyond any co-pay or non-covered items). You must be treated at a network hospital. Always verify if your preferred hospitals are in the insurer's cashless network before buying.

Yes — for health insurance only. Under Section 80D of the Income Tax Act, you can claim deductions on health insurance premiums: up to ₹25,000 for yourself, spouse, and children; an additional ₹25,000 for parents (₹50,000 if they are senior citizens). Motor, home, and travel insurance premiums do not qualify for income tax deductions. Tax rules may change — consult a CA for personalised guidance.

Yes. IRDAI allows health insurance portability — you can switch your health insurance to a new insurer at renewal time without losing your accumulated waiting period credits and No-Claim Bonus. Ashlar India can guide you through the portability process.