You should always prioritize a **Health Insurance** policy and a **Term Life Insurance** plan. Health insurance protects you from instant medical bankruptcy, and Term insurance secures your family's future financially if you are the sole earner. Only after these are secured should you look into motor, business, or investment-linked policies.

As a standard thumb rule, your Term Life Insurance coverage should be at least **10 to 15 times your annual income**, plus any outstanding debt liabilities (like home loans or personal loans), minus your existing liquid investments. Use our [Life Cover Calculator](calculators.php) to estimate this dynamically.

**Yes, absolutely!** Under IRDAI guidelines, you can port your health insurance to any company without losing your accumulated benefits (like waiting period credits for pre-existing diseases or No Claim Bonuses). Porting requests must be submitted to the new company at least **45 days before your current policy expires**.

**Cashless hospital claims** are typically approved or resolved within **2 to 4 hours** of doctor diagnosis updates. For **reimbursement claims** or motor collision surveyor settlements, payouts are legally required to be released within **30 days** of complete document submissions. We coordinate directly to speed this up.

Cashless treatment means the insurance company pays hospital bills directly to the hospital panel desk, so you do not have to deposit cash upfront (except for minor non-medical charges). This is available at all **network or panel hospitals** listed by the insurer. Check hospital network listings before purchase.