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Protect your family, your health, your vehicle or your business. Nihal Fintech works with 15+ insurers and has more than 10 years of experience. We help you compare plans, choose one, and get your policy issued, all in one place.
PLANS
Many types
Life, health, motor, home, travel and business.
INSURERS
15+ options
Compare them in one consultation.
ISSUANCE
Digital process
Most policies are issued in 24 to 48 hours after verification and payment.
CLAIMS
Full support
We help from paperwork to follow-up.
OVERVIEW
Insurance is a financial safety net. It helps protect you and your family from events you cannot plan for, such as a medical emergency, a road accident, property damage or a business interruption. With the right cover, you do not have to dip into your savings or take on debt during a crisis.
Choosing a policy can feel confusing when there are so many to compare. Our certified insurance consultants make it simple. They help you compare plans from top insurers, explain the differences, and assist with claims.
Insurance can help protect
TYPES OF INSURANCE
Choose from a wide range of personal and commercial insurance policies designed to protect what matters most.
A pure protection plan. It supports your family if the policyholder passes away. It offers high cover at affordable premiums. Compare plans from LIC, HDFC Life, ICICI Prudential, Max Life and more.
Covers hospitalization, surgeries, daycare procedures, and care before and after a hospital stay. Choose individual, family floater, senior citizen or critical illness plans. Cashless treatment is available through a wide hospital network.
Covers vehicle damage, third-party liability, theft and accidents. Add-ons like zero depreciation, roadside assistance and engine protection are available. Motor insurance is mandatory under the Motor Vehicles Act.
Cover for MSMEs, startups, traders and other businesses. It includes fire, burglary, professional indemnity, cyber and workmen’s compensation insurance.
Protects your home against natural disasters, fire, theft and other damage. It covers the structure, the contents, and temporary housing costs during repairs. It works whether you own or rent.
Covers medical emergencies abroad, trip cancellations, lost baggage, flight delays and passport loss. Plans include worldwide hospital networks and 24/7 emergency help.
WHY NIHAL FINTECH
From plan comparison to claim support, we handle the work so you can focus on what matters.
Compare plans from 15+ insurers in one consultation. We recommend what suits your needs, not what pays the highest commission.
Certified consultants review your risk profile, financial goals and family situation before they suggest a plan.
We help with documents, forms and follow-up with the insurer so you do not face delays when it matters most.
REFER AND EARN
Tell them about us. We will help them compare plans.
ELIGIBILITY
Insurers set rules to price risk fairly, and most adults can find a plan.
What do insurers check?
The rules depend on the type of policy and the insurer.
Insurers may ask for a medical exam before they issue the policy.
KYC
PAN card and Aadhaar card
Age proof
Birth certificate, 10th marksheet or passport
Address proof
Utility bill, registered address or Aadhaar
Medical reports
Pre-policy exam, if the insurer requires it
You need your vehicle papers.
KYC
PAN card and Aadhaar card
Vehicle proof
Registration Certificate (RC)
Previous policy
Previous policy copy
Driving license
Valid driving license
You need your business registration.
KYC
PAN card and Aadhaar card
Tax registration
GST registration
MSME proof
Udyam certificate
Local license
Shop Act license
Work out your EMI and get the exact list of papers lenders ask for.
For planning only. Your lender confirms the final EMI.
COST OF INSURANCE
Your premium depends on a few clear factors. We explain each one before you buy.
Item
What it means
Notes
Type of policy
Term, health, motor, home, travel and business plans are priced differently
Choose by need
Cover amount
More cover usually costs more
Term plans start from ₹25 lakh
Age and profile
Your details affect the price
Always give correct details
Add-ons
Extras like zero depreciation cost more
Ask what each one covers
Consultation
Free
We earn our commission from the insurer, with no extra charge to you
BEFORE YOU BUY
A few simple checks help you buy with confidence.
Pick cover that matches what worries you most.
Look at premiums, cover, exclusions and claim settlement ratios.
Match your cover to your income and financial duties.
Know when pre-existing conditions are covered.
Choose extras you will actually use.
Check your current policies for gaps. We offer a free review.
Why Nihal Fintech
Walking into a bank gets you that bank’s answer. Coming to us puts your profile in front of the lenders most likely to approve it.
RELATED SERVICES
Looking for other financial solutions? Explore our loan and advisory services.
How we work
At every step you know what is happening, who is handling it and what you get at the end of it.
01
We look at your income, credit history, assets and existing loans, and tell you honestly what is possible.
who
You + your advisor
You get
A clear idea of what you can get
02
We pick the banks and finance companies whose rules fit your profile, so you apply where approval is likely.
who
Your advisor
You get
A short list of lenders
03
We give you one checklist, collect your papers and check them before the lender sees your file.
who
You + your advisor
You get
A complete, checked file
04
We present your case to the chosen lender and handle their questions for you.
who
Your advisor
You get
No need to chase the lender
05
We compare the offers and try to get you better rates, fees and terms where possible.
who
Your advisor
You get
Offers you can compare
We follow up on the final steps until the money reaches you.
who
You + your advisor
You get
Funds in your bank account
CASE STUDY
A recent case from our work.
WORKING CAPITAL ENHANCEMENT
A Mumbai-based engineering components manufacturer with ₹60 Cr turnover and 12 years in business. Its existing ₹4 Cr cash credit limit no longer matches its order book.
Our approach: assess the working capital need from audited financials, the stock and debtor cycle, and the order pipeline. Then propose increasing the limit to ₹8 Cr, backed by stock and book debts, with the factory land and building as additional security.
Client
Engineering manufacturer, Mumbai
Turnover
₹60 Cr
Structure
Cash credit enhancement (₹4 Cr → ₹8 Cr)
Security
Factory land & building, valued ~₹12 Cr
We offer term life insurance, health insurance (individual, family floater & senior citizen), motor insurance (car & two-wheeler), home & property insurance, travel insurance, and business/commercial insurance. We partner with 15+ leading insurers in India to provide the best options for every client.
Our certified insurance consultants assess your financial goals, risk profile, family situation, and budget. We compare plans from multiple insurers and present a side-by-side analysis of premiums, coverage, exclusions, and claim settlement ratios – so you can make a confident, informed decision.
No. Our insurance consultation is completely free. We earn our commission from the insurance company when you purchase a policy through us – there’s no additional charge to you.
Most insurance policies are issued within 24-48 hours after document submission and premium payment. For policies requiring medical tests (typically life and health insurance for applicants above 45 years), it may take 3-5 working days.
Yes. We provide end-to-end claim assistance – from documentation and form filling to follow-up with the insurance company. Whether it’s a health insurance hospitalisation claim, motor insurance accident claim, or life insurance settlement – our team guides you through every step.
Absolutely. As an independent insurance advisory, we work with multiple insurance providers including LIC, HDFC Life, ICICI Lombard, Star Health, Care Health, and more. This allows us to offer unbiased plan comparisons tailored to your specific needs.
Yes. Under the Motor Vehicles Act, 1988, at least a third-party liability insurance policy is mandatory for all vehicles. We recommend comprehensive coverage with add-ons like zero depreciation and roadside assistance for better protection.
Yes. Several insurance companies offer dedicated senior citizen health insurance plans for individuals aged 60-80 years, covering hospitalisation, pre-existing conditions (after a waiting period), daycare procedures, and more.
Term life insurance plans typically start from ₹25 Lakhs and can go up to ₹5 Crore or more, depending on your income, age, and the insurer’s underwriting criteria. Our advisors help you determine the right coverage amount based on your financial responsibilities.
Yes. We offer free insurance portfolio review services. Our consultants assess your current coverage, identify gaps, and suggest upgrades or additional policies if needed – ensuring you’re never under-insured or over-paying for coverage you don’t need.
