Insurance Services Services
Independent insurance advice — life, health, motor, home, travel and business cover, policy comparison, renewals and claims help from WCP experts.
Insurance Services help individuals, families and businesses buy the right cover and get claims paid. WCP professionals assess risks, compare policies on coverage, exclusions and claim terms rather than price alone, and support policyholders through renewals, claim filing and disputes with insurers.
What is covered:
- Life, term and whole-life policy planning
- Health, motor, home, travel and commercial insurance
- ULIP and investment-linked policy advice
- Risk assessment and coverage analysis
- Policy comparison, renewal and premium management
- Insurance claims assistance and grievances
From 22 September 2025, individual life and health insurance premiums are exempt from GST. Policies are bought directly from IRDAI-registered insurers or their licensed intermediaries; WCP professionals provide independent advice and claims support.
Chartered AccountantAdvocate / Lawyer
12 services under Insurance Services
Health Insurance Services
Health insurance advice from verified experts — family floater or individual cover, sum insured, waiting periods, room-rent limits and top-up plans.
Estimated Cost : ₹2,000 – ₹15,0003 days typical
Insurance Claims Assistance
Insurance claims help from verified experts — documentation, follow-up, rejected claims, Bima Bharosa grievances and Insurance Ombudsman complaints.
Estimated Cost : ₹5,000 – ₹50,00030 days typical
Life Insurance Advisory
Independent life insurance advice — cover amount, policy type, riders, nominees and claim readiness compared across insurers by verified experts.
Estimated Cost : ₹2,000 – ₹15,0003 days typical
Term & Whole Life Policy Planning
Term and whole-life policy planning — cover, term, riders and return-of-premium trade-offs explained by verified experts for long-term protection.
Estimated Cost : ₹2,000 – ₹15,0003 days typical
Motor Insurance (Car & Two-Wheeler)
Car and two-wheeler insurance advice — third-party and own-damage cover, add-ons, IDV and no-claim bonus explained by verified professionals.
Estimated Cost : ₹1,000 – ₹5,0002 days typical
Policy Comparison & Selection Support
Independent insurance policy comparison — coverage, exclusions, sub-limits, claim terms and premiums compared side by side to choose the right policy.
Estimated Cost : ₹2,000 – ₹15,0003 days typical
Commercial & Business Insurance
Business insurance advice — property, liability, marine, cyber and employee covers matched to your operations and contracts by verified experts.
Estimated Cost : ₹10,000 – ₹75,0007 days typical
Home & Property Insurance
Home and property insurance advice — structure and contents cover, natural calamity and theft protection and the right sum insured. WCP experts.
Estimated Cost : ₹2,000 – ₹15,0003 days typical
Insurance Renewal & Premium Management
Insurance renewal and premium management — due-date tracking, lapse prevention, cover review and portability guidance from verified experts.
Estimated Cost : ₹2,000 – ₹20,0003 days typical
Travel Insurance Assistance
Travel insurance help — medical, cancellation and baggage cover for international and domestic trips, including visa requirements. WCP experts.
Estimated Cost : ₹1,000 – ₹5,0001 days typical
ULIP & Investment-Linked Insurance Advisory
ULIP and investment-linked insurance advice — charges, lock-in, fund options, tax and an honest comparison with term plus investments. WCP experts.
Estimated Cost : ₹3,000 – ₹20,0003 days typical
Risk Assessment & Coverage Analysis
Insurance risk assessment and coverage analysis — map your risks, find gaps and overlaps, and get a cost-effective coverage plan from verified experts.
Estimated Cost : ₹5,000 – ₹50,0007 days typical
Frequently asked questions
- Is GST charged on insurance premiums?
- From 22 September 2025, individual life and health insurance premiums are exempt from GST; most other general insurance premiums attract 18% GST.
- How much life cover do I need?
- Commonly 10–15 times annual income, adjusted for loans, dependants' needs and existing assets.
- What if my insurance claim is rejected?
- Complain to the insurer's grievance cell, escalate through the Bima Bharosa portal, and approach the Insurance Ombudsman for claims up to ₹50 lakh, or a Consumer Commission.
- What is a waiting period in health insurance?
- The time before certain conditions, such as pre-existing diseases, are covered — capped at three years under current IRDAI rules.
- Is term insurance better than an endowment policy?
- For pure protection, term insurance gives much higher cover for the premium; investment needs are usually better met separately.
- Do I need business insurance?
- Most businesses need property, liability and, where relevant, cyber, marine and employee covers; some, such as third-party motor, are mandatory.