Policy Dheko

4.2k

Satisfied Clients

WELCOME TO POLICY DHEKO

At ,Policy Dheko we have our own belief system that a better tomorrow is the outcome of a better today. This core belief works as a catalyst, driving us to use the best of futuristic technologies to design tailor-made solutions for clients. This unique perspective creates a healthy business for our clients and increases their profitability.

Our innovative and tailored solutions are the outcome of our passionate client custodians who come with intensely result-driven work ethics at their core. Other than mitigating risks and controlling costs, we help clients understand, quantify, and transfer risks to their assets, people, and reputation, ushering them towards a better tomorrow.

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Experience

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Satisfied Clients

OUR SERVICES

We promise you’ll be more prepared, with less fear for the future by building new opportunities. You deserve a true partner who can guide you over time.

home-insurance-myrealestate

Home & Building Insurance

A home insurance is a property insurance policy to help you cover your own home or rented apartment, and your personal belongings within,

Vehicle-insurance

Vehicle Insurance

Two wheeler insurance from Policy dheko provides hassle-free protection to your bike or scooter against physical damage, theft and third party liability.

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Health Insurance

Health insurance is a type of insurance that covers medical expenses that arise due to an illness. These expenses could be related to hospitalisation costs

Life Insurance

Term insurance financially protects you against an uncertain life. It is a type of life insurance plan that offers compensation to the nominees in the event of the untimely death of the policyholder.

Travel Insurance

Travel offers us the unique ability to taste fabulous new cuisines and experience myriad cultures. Travelling abroad gives us a chance to relive history or walk in the footsteps of our favourite

Marine Insurance

Marine insurance covers the loss or damage of ships, cargo, terminals, and any transport by which the property is transferred, acquired, or held between the points of origin

Fire Insurance

this insurance policy is essential coverage for individuals and businesses as it can help to protect their assets and mitigate the financial impact of fire-related incidents. Let’s learn more about this insurance policy in detail.

Accident Insurance

Personal Accident Insurance policy provides complete financial protection to the insured members against uncertainties such as accidental death, accidental bodily injuries, and partial/total disabilities,

Workman Compnsation Insurance

You are constantly working towards achieving life goals and your lifestyle improves every time you cross a new milestone. You want to maintain the same way of life during your golden years as well.

Benefits of Insurance

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Why Choose us?

We deliver a wide range of health plans which allow you to avail cashless treatment at any of our 20000+ network hospitals and healthcare providers in case of emergencies or planned treatments. Our health insurance plans provide you comprehensive coverage which includes modern treatments like robotic surgery and radiosurgery.

Helped Over 3000 to Select Best Insurance

Helped Over 3000 to Select Best Insurance

How Policy Point Works

FAQ

Insurance is a contract which is presented as a policy to be used as a risk management tool to ensure financial protection at the time of crisis. Insurance helps an individual to ensure financial protection against losses that may arise during an unforeseen event. An insurance policy is a contract between an individual (policyholder) and an insurance company (Insurance provider), under which, the individual makes regular payments known as premiums to the insurance company which in return pays the sum assured in case an unforeseen event such as demise of the policyholder, accident, damage to the vehicles or other possessions.

Unfortunate events like accidents, illnesses, and natural disasters come without any warning and thus it is necessary for you to keep yourself and your loved ones shielded against such unforeseen happenings. One of the best and simplest ways of keeping yourself secured against these contingent events which may cause a financial loss is buying an insurance policy.

Health insurance policy is an agreement whereby an insurance company agrees to undertake a guarantee to compensate the insured for medical expenses in case of a medical emergency. A health insurance policy protects the insured for several surgical expenses, critical illnesses, and daycare expenses, for a policy term, for up to the sum insured limit. 

Yes. You can be covered under more than one health insurance plan. In this case, the claims are settled as per the contribution clause, when the claim is higher than the sum insured for one health insurance policy.

A health insurance policy not only protects the insured financially for future, but also offers relief in the present. Lifestyle habits such as drinking, smoking, or sedentary lifestyle invite health issues, which can be minor or serious, may be expensive to treat. To stay financially protected in such times, you need a reliable health insurance plan that covers you at all times. Apart from this, buying a health insurance policy also reduces your overall tax liability by allowing you tax deductions on the premium paid, under Section 80D of the Income Tax Act, 1961.

Yes. You can cancel your health insurance policy. Every health insurance company provides you a free look period to understand the policy terms and conditions. During this period, if you find any objectionable clause in your health insurance policy, then you can cancel the policy and ask for a refund. Note that you will receive the refund only if no claim has been made during the policy term. The amount of refund will be calculated after taking into consideration the expenses incurred on medical check-ups, stamp duty, and proportionate risk premium, i.e. the number of days you have been covered for risks under the policy. To know more about a premium refunds, it is recommended to go through the policy document.

There can be two situations. First, where you get hospitalised before the policy expiry date and notify the insurance company before the policy lapses, and the policy lapses when you are still in the hospital. In the second situation, you may be hospitalised during the grace period, the policy lapses then, and you inform the insurance company about the same during the grace period. In both cases, the insurance company will compensate for the coverage availed, as per the terms and conditions stated in the policy document

According to the health regulations issued by the Insurance Regulatory and Development Authority of India (IRDAI) in 2019, all insurance companies are required to insure robotic treatments. Therefore, all insurance companies provide it with some sub-limits and policy conditions.

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