Your Trusted Advisor for Comprehensive Insurance Solutions.
What perfectly suits you is the Best for You. The right fit, the best protection.
Uncompromised shield for health, life, and family stability before taking risk.
Wealth multiplication assets intended for long-term equity capital accumulation.
Insurance is not the same as investment. To ensure your investments are sustainable, prioritize a strong insurance safety net.
Insurance acts as your primary financial cushion during unforeseen medical emergencies or life events, protecting your long-term wealth investments from emergency liquidation.
Every individual and family has unique risk profiles. We help you choose exact coverage without forcing unnecessary investment-linked add-ons.
Comprehensive insurance planning designed for every stage of your life and family security.
(For Parents, Family & Individual, Corporate (Group Policy))
24/7 Global protection for accidental risks & journey security
(Specially for Bread earner of family)
Registered MSME. IRDAI Insurance Advisor. Tripura. India
Smt. Prabhati Bhattacharjee is deeply committed to facilitating rural and urban insurance access, upholding ethical conduct, transparent advisor practices, and personal client care.
Government Registered Micro, Small & Medium Enterprise for Ethical Insurance Consultation & Advisory Services.
Please note that this is our personal website and is not intended for online sales transactions. Furthermore, we are not a web aggregator and do not engage in the sale, suggestion, or comparative display of insurance products on this platform. No functionality is provided for users to express opinions on any insurance company's offerings through this website. The purpose of this website is solely to present our contact information, highlight key aspects of our services, and articulate our vision concerning the insurance products for which we offer advisory services. Engagement with these services necessitates direct physical or telephonic contact to schedule a meeting at the mutual convenience of both parties. Individuals interested in online insurance purchases are advised to consult the websites of the respective insurance providers or a web aggregator of their choosing.
We uphold strict code of conduct principles ensuring complete peace of mind for every policyholder.
Zero telemarketing calls or unsolicited pressure. We respect your privacy.
Convenient in-person consultations scheduled strictly at your comfortable time.
Thorough medical and financial need assessment to ensure optimal eligibility.
100% transparent wording on terms, policy exclusions, and claim clauses.
Long-term guidance for senior citizens & post-retirement financial security.
Customized policies matched directly to family bread-earners & individuals.
Proactive reminders for premium due dates, policy revivals, and tax receipts.
Full compliance with official regulatory rules and insurance guidelines.
Direct accessibility to Smt. Prabhati Bhattacharjee without middleman delays.
Strict confidentiality and secure handling of all client documentation.
Insurance policy are not sold. Prospect has to apply first to buy an insurance product. Then it is sold / buy based on information & eligibility and T&C. It is an agreement between Insurer and policy holder. For Health Insurance it is an indemnity.
A Free Look Period is a time period which make Policy Holder enable to review the Policy's Terms & Conditions even after buying an Insurance Product and Policy Holder may cancel it if it does not meet policy holder's requirement. it vary from 15/30 days period. (Example:- Mr. Chatur Ramalingam (fictitious name) has applied & purchased a policy today. After buying a policy he reviews the Terms & Conditions of that policy he purchased. Now he can cancel it through written communication to Insurer within Free Look Period without any penalty. But written communication should be clearly indicated as "Free Look Cancellation". Guidance from concerned Advisor may be obtained).
A Prospect is a potential buyer of Insurance Product. Prospect is still NOT an existing client but a potential candidate to buy an insurance product.
Insurance Company is called Insurer from which Policy Holder purchased the insurance policy.
Policy Holder is person who purchased the policy for insured persons in his family members or Insurable Interest persons. A policy holder him/herself can be insured person also.
In Insurance, Insurable Interest shall have to be maintained. It is very important. Insurable Interest person mean the persons (spouses, parents, children, business partners and those who are financially dependent / has relations / interests / has connection with) the Policy Holder (who purchased the policy). A person cant buy the policy for anyone (insured person) with whom he/ she has no Insurable Interest.
A TPA (Third-Party Administrator) is an IRDAI-licensed intermediary hired by insurers to manage health claims. They usually handle processes like cashless (and reimbursement) claims, pre-insurance check-ups, and hospital coordination etc.
:- In-house claim settlement is a system where a health insurance company in India processes and settles policyholders' claims directly, without involving a Third-Party Administrator (TPA). This approach is increasingly favored by some health insurers as a way to gain greater control over the claims process and improve customer experience. Key Advantages for Policyholders (The primary benefits of an in-house claims department revolve around speed and direct communication):
The grace period is the extra time granted after the premium due date during which I can still pay my renewal premium without losing coverage. If I miss my premium due date, the grace period is the additional time I am given to make the renewal payment. It is not a good practice to pay the premium during Grace Period. During the grace period, I, being a policy holder, am only permitted to pay the overdue premium. However, any claims arising during this period will not be entertained unless specifically allowed by the policy's Terms and Conditions (T&C). Additionally, the Policy Holder may also need to declare to affirm at the time of payment during Grace Period that there has been no adverse health event (like an accident, injury, or disease onset) since the premium's original due date. [ Example:- Suppose My Insurance Premium Due Date is:- 1st November; Then Grace Period would be 30th November; the period i am only allowed to pay the premium. And I am paying my Premium on 10th November i.e. during Grace Period. Now From 2nd November to 10th November 2025, I am, as an insured person, is not under any Insurance Coverage. And may require to declare that any adverse health event did not occur after 1st November to at the time of payment].
Consumable Items are single-use medical supplies like gloves, syringes, and masks popularly known as Non Medical Expenses (prescribed 68 items), while Durable items are reusable medical equipment, (Ex:- crutches or wheelchairs etc). In this regard, the expense of Bed, which a Durable item as well, is merged with Room Rent expense. It is better not to be confused.
Note: Agents or Advisors do not settle claims; the Insurer is responsible for processing claims according to the policy's Terms and Conditions (T&C). Therefore, One, who wants to apply for the Policy, must read and understand the policy wording carefully first. While the Advisor's support role is crucial, the Policy Holder must first fully understand their coverage. Do not hesitate to ask any policy related questions to your Agent or Advisor.
Visit our offices in Tripura or connect directly for personal advisory assistance.
Rajarbag, School Road, Udaipur, Tripura – 799114
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