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PaisaPolicy.in helps you compare insurance plans and loans side by side, understand the fine print, and get help when you need to claim. Free consultation, no obligation.
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Why Choose PaisaPolicy.in
Explore All Insurance & Loan Solutions
Choose from 15 customized insurance covers and 9 loan financing options backed by top Indian financial institutions.
Term Life Insurance
Secure your family’s financial future with a high life cover at an affordable premium.
- High Life Cover up to ₹5+ Crores
- Return-of-premium and zero-cost exit variants (plan-specific)
Health Insurance
Cashless hospitalisation at network hospitals, with plan options offering no room-rent cap, day-care and OPD cover.
- Cashless claims at the insurer’s network hospitals
- Plans with no room-rent limit available
Car Insurance
Instant car policy renewal with zero-depreciation cover and 24x7 roadside assistance.
- Cashless repairs at the insurer’s network garages
- Zero Depreciation (Bumper to Bumper) Add-on
Two Wheeler Insurance
Bike and scooter insurance with quick online renewal and minimal paperwork.
- Quick online renewal (inspection may apply for lapsed policies)
- Compulsory Personal Accident cover of ₹15 lakh for the owner-driver
Travel Insurance
International & domestic travel protection covering medical emergencies, lost baggage, and flight delays.
- Cashless hospitalisation at the insurer’s partner hospitals abroad, where available
- Plans that meet Schengen visa insurance requirements
Home Insurance
Complete protection for your building structure and valuable household contents.
- Covers building structure as well as indoor contents
- Protection against a wide range of natural and man-made perils
Corporate & Business Insurance
Comprehensive commercial liability, fire, cyber risk, and asset insurance for businesses & enterprises.
- Directors and Officers (D&O) Liability
- Commercial General Liability (CGL) & Cyber Insurance
ULIP (Unit Linked Insurance Plan)
Life insurance with market-linked fund options. Returns are not guaranteed and depend on fund performance.
- Switch between equity and debt funds (free switches vary by plan)
- Tax treatment as per prevailing tax laws and premium limits*
Guaranteed Return Plan
Savings plans where the benefits are fixed in the policy contract, with life cover. Benefits apply only if all premiums are paid.
- Maturity payout guaranteed in writing on the policy bond
- Benefits not linked to stock market performance
Child Savings Plan
Fund your child’s higher education and dreams with milestone payouts and waiver of premium.
- Inbuilt Waiver of Premium: Insurer pays all remaining premiums if parent passes away
- Timely milestone payouts matching college admission ages (18, 21, 24)
Retirement & Pension Plan
Annuity plans that pay a regular pension for life, with joint-life and return-of-purchase-price options.
- Guaranteed lifelong regular pension income
- Joint Life Annuity option ensuring spouse continues receiving pension
Pet Insurance
Medical, surgery, third-party liability, and accidental injury cover for dogs & cats.
- Covers vet surgery, hospital stays, and medication costs
- Third-party liability protection for property damage or bite claims
Employee Group Health Insurance
Group medical insurance tailored for startups, SMEs, and corporate teams with instant digital claims.
- Starting from small teams of just 7+ members
- Day-one cover for pre-existing diseases available (insurer terms apply)
Group Term Insurance
High life cover for employees and corporate teams at group rates.
- High sum assured for staff at a fraction of individual retail cost
- Simple enrollment without individual medical tests (Free Cover Limit)
Marine Cargo Insurance
Protect export, import, and domestic inland cargo shipments against transit damages and loss.
- Covers sea freight, air cargo, rail, and road transit
- Institute Cargo Clauses (ICC) A, B, and C standard covers
Personal Loan
Collateral-free funds up to ₹40 Lakhs with minimal paperwork and quick disbursal.
- Loan amounts from ₹50,000 up to ₹40 Lakhs
- Disbursal typically within 24–48 hours of lender approval*
Home Loan
Buy, construct, or renovate your dream home with low EMIs and tenures up to 30 years.
- Loan amounts up to ₹10+ Crores (up to 85-90% property value)
- Long tenure up to 30 years for affordable low EMIs
Car Loan (New & Used)
Drive home your dream car with up to 100% on-road financing and flexible repayment tenure.
- Up to 100% on-road funding for select models
- Flexible tenures up to 7 to 8 years
Business Loan
Fuel your enterprise growth with collateral-free business loans up to ₹75 Lakhs.
- Unsecured funding up to ₹75 Lakhs without mortgaging assets
- Overdraft (OD) and working capital credit lines available
Education Loan (India & Abroad)
Finance university tuition fees and living expenses in India and top foreign universities.
- Can cover tuition, accommodation, travel and laptop (within lender limits)
- Moratorium period: No EMI during study duration + 6 to 12 months grace
Loan Against Property (LAP)
Unlock the value of your residential or commercial property with high loan amounts & low interest.
- High loan value up to ₹25+ Crores
- Lower interest rates compared to unsecured personal loans
Gold Loan
Quick funds against your gold ornaments, kept in the lender’s secure vault.
- Same-day disbursal with many lenders*
- Usually no income proof needed; lenders may still check credit history
Two-Wheeler Loan
Quick financing for commuter bikes, sports motorcycles, and high-range electric scooters.
- Up to 95% on-road price funding
- Quick approval with basic KYC and bank statements
Credit Card / Instant Cash Loan
Compare credit cards, including lifetime-free options, and digital credit lines from lenders.
- Lifetime-free card options (as per issuer terms)
- Up to 50 days interest-free credit period
How PaisaPolicy.in Works for You
Zero complicated jargon. Unbiased recommendations tailored to your family's budget and security.
Tell Us What You Need
Enter your name and mobile number. Choose the insurance or loan category that matches your requirement.
Compare the Best-Fit Quotes
Our unbiased advisory system compares rates, claim settlement ratios, features, and exclusions across top insurers and banks.
Instant Policy & Dedicated Claims
Get digital policy issuance or swift loan approval with claim assistance from our team for policies bought through us.
We Don't Just Sell Policies.
We Stand By You During Claims.
Buying the policy is the easy part. When you claim, our team helps with hospital coordination, cashless approvals and documents for policies bought through us.
Needs-First Recommendations
We compare plans on cover, exclusions, claim settlement ratio and premium, and explain the trade-offs.
WhatsApp Claim Assistance
Help with cashless hospital intimation and motor claim documents, 9 AM – 9 PM.
Zero Advisory Fee
Our advice is free. You pay only the premium or charges set by the insurer or lender.
Super top-up and deductible options can raise cover for a smaller extra premium.
We check that your preferred hospitals are in the insurer's cashless network.
Talk to a person, 9 AM – 9 PM, all days.
We never sell your details. They are shared only for your request.
What You Can Expect From Us
Our service promises, in plain words.
One advisor, not a call-centre queue
The advisor who calls you stays with your request from comparison to purchase, so you don't have to repeat yourself.
Fine print explained before you pay
Waiting periods, room-rent limits, co-pay, exclusions and loan charges are explained upfront, so there are no surprises later.
Help when you need to claim
If you bought through us, we help you with claim documents and follow-ups with the insurer.
Frequently Asked Questions
Everything you need to know about choosing policies, loans, and getting instant advice.
Why should I buy insurance or apply for a loan through PaisaPolicy.in?
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