Insurance
Protection first. Then growth.
What we cover
Cover for your life, your home and your business.
We review your existing policies, identify coverage gaps, and select purely risk-mitigating policies with high claim settlement ratios across leading insurers.
01 · Personal Protection
Health Insurance: A single hospital stay can undo years of saving.
A single hospital stay shouldn't derail your retirement. The right policy is the foundation every other financial plan stands on.
Individual
Cover in your own name, independent of an employer's group policy.
Family floater
One sum insured shared across the family. Efficient for young families.
Senior citizen
Plans designed for parents over 60, with attention to waiting periods and co-pays.
Critical illness
A lump sum on diagnosis of a listed illness, to replace income during treatment.
Top-up & super top-up
Low-cost extra cover above a deductible, often on top of a group policy.
Maternity & women's health
Cover for maternity and women-specific conditions, with waiting periods explained up front.
Questions we make sure you ask:
- —Is the room-rent limit a hard rupee cap or a proportionate category deduction?
- —What are the exact waiting periods for pre-existing medical conditions?
- —Is there a mandatory co-pay, and when does it apply?
- —Which tertiary hospitals near your residence are cashless network providers?
02 · Asset Protection
Property & Motor: Protect what you've built and what you drive.
Protect what you've built and what you drive, at the right value, with exclusions explained before you buy, not after you claim.
Home
Structure and contents against fire, flood, earthquake and theft.
Shop & office
Standard fire and special perils, burglary, and business contents.
Private car
Comprehensive or third-party cover, with add-ons that are worth it and those that aren't.
Two-wheeler
Long-term and annual policies with bumper-to-bumper zero depreciation.
Commercial vehicle
Goods and passenger vehicles for logistics and commercial transport.
Questions we make sure you ask:
- —Is the property sum insured evaluated at reinstatement value or depreciated market value?
- —Which motor add-ons (engine protect, return to invoice, consumables) actually matter for your car's age?
- —What is excluded under standard 'Act of God' natural calamity clauses?
03 · Enterprise Protection
Business & Group: Cover that protects your company, its people and directors.
For founders and family businesses: cover that protects the enterprise, without paying for risks you don't carry.
Group health & accident
Health and personal-accident cover for employees and their families.
Liability & D&O
Public, product and professional indemnity; directors' and officers' liability.
Cyber risk
Data breach, ransomware extortion, and operational business interruption.
Marine & transit
Cargo in transit, freight handling, and marine hull protection.
Engineering & machinery
Contractor's all risk and plant machinery breakdown protection.
Fire & property
Factories, storage warehouses, raw materials, and finished stock.
Questions we make sure you ask:
- —Does the employee group medical policy cover dependent parents and critical illness?
- —What are the specific sub-limits and territorial limits inside the liability cover?
- —Is business interruption damage included or placed as an add-on policy?
How we work
Independent advice, start to claim.
Four deliberate steps to make sure your family and business hold the exact coverage required when adversity strikes.
Assess
We look at what you already have, including employer cover, and where the critical gaps are.
Compare
Options across insurers, with the exclusions and waiting periods laid out side by side.
Place
We handle the paperwork and make sure the proposal form is complete and completely accurate.
Stand by
Renewal reminders, policy updates, and hands-on human support when you need to claim.
Claims Advocacy
Someone beside you if you ever need to claim.
Buying insurance is easy; getting a claim settled during an emergency is what matters. Dhanvesttor acts as your dedicated advocate, coordinating hospital pre-authorizations, paperwork, and insurer queries so your family can focus entirely on healing.
Policy Health-Check
- ✓ Detect hidden room-rent sub-limits, proportional deductions, and co-pay traps
- ✓ Identify low-yield endowment and ULIP policies that lock up your liquidity
- ✓ Optimize sum insured based on medical inflation and actual family liabilities
Frequently Asked Questions
What is the difference between term insurance and investment-linked plans (ULIP/Endowment)? add
Term insurance is pure risk protection: you pay a small annual premium for a very large sum insured with zero investment element. ULIPs and endowment plans mix insurance with investments, resulting in high internal charges and mediocre returns. At Dhanvesttor, we strongly advise separating insurance from investment.
How does Dhanvesttor help when I need to file a claim? add
We do not abandon you after selling a policy. In the event of hospitalization or property damage, our dedicated advisory team helps arrange hospital pre-authorization, reviews medical billing sheets, resolves TPA queries, and fast-tracks claim disbursement.
What happens if my employer already provides health insurance? add
Corporate group policies end the day you switch jobs, retire, or if your employer changes coverage limits. Moreover, they often lack room-rent freedom. Having an independent personal health cover or a super top-up policy guarantees uninterrupted lifelong protection.
Can you review my existing policies without selling me a new one? add
Yes, absolutely. You can send us your current insurance policy schedule. We will audit the terms, highlight exclusions or missing riders, and let you know if your current policy is already optimal.
How are pre-existing diseases (PED) treated in health policies? add
Most health policies require a waiting period between 1 to 3 years before covering treatments related to pre-existing conditions. We compare plans with the shortest waiting periods and transparent underwriting so there are no surprises during a hospital admission.
Get in touch
Not sure what you're covered for?
Send us your existing policies. We'll read them and tell you, in plain words, what they do and don't cover.
- Call
- 033 2280 0152 · WhatsApp
- Write
- ho@dhanvesttor.com
- Visit
- 8/1/2, Sir UN Brahmachari Sarani, Surabhi Apartments, 2nd Floor, Elgin, Kolkata 700017
Monday to Friday, 9 am to 6 pm · Saturday, 9 am to 1:30 pm
Insurance and fixed-income products are offered subject to applicable licences and regulations and are distributed, not manufactured, by Dhanvesttor. Product terms, conditions, sub-limits, and exclusions are set by the respective insurance companies and issuers. Please read the policy terms and prospectus carefully before purchasing.