Why should I buy insurance through Rafi MR Insurance Agency instead of directly from a company?
When you buy directly, you only see one company’s plans. We work with multiple leading insurers, so we compare policies and help you choose the best coverage based on your needs and budget. We also assist you during claims and policy servicing — not just at the time of purchase.
Do I have to pay extra for your consultation or services?
No. Our consultation and guidance are completely free. You pay the same premium as you would when buying directly from the insurance company.
How do I know which insurance plan is right for me?
It depends on your age, income, family responsibilities, health condition, and financial goals. We analyze your situation and recommend plans that provide the right balance of coverage and affordability.
What documents are required to buy insurance?
Generally, you may need: Identity proof (Aadhaar, PAN, etc.), Address proof, Age proof, Income proof (for some life insurance policies), Vehicle RC (for motor insurance), Medical reports (if required). We guide you through the entire documentation process.
Do you help during claim settlement?
Yes. We provide full support during the claim process — including documentation guidance, claim filing, and follow-ups with the insurance company.
Can I renew my existing policy through you?
Yes, we can help you renew existing policies, compare better options, and ensure you don’t lose benefits like No Claim Bonus (NCB) in vehicle insurance.
What is the difference between Term Insurance and Endowment Plans?
Term Insurance provides high life cover at a low premium but has no maturity benefit. Endowment Plans offer life cover along with savings or maturity benefits. We help you decide based on your financial goals.
What does health insurance usually cover?
Most health insurance plans cover: Hospitalization expenses, Pre & post hospitalization costs, Daycare procedures, Ambulance charges, Cashless treatment at network hospitals. Coverage varies by policy, and we explain all details before you buy.
Is health insurance useful if my company already provides coverage?
Yes. Employer-provided insurance may be limited and can stop if you leave the job. Having a personal health policy ensures continuous protection.
What is No Claim Bonus (NCB) in vehicle insurance?
NCB is a discount on your premium for every claim-free year. We help you retain and transfer your NCB when renewing or changing insurers.
Can senior citizens get health insurance?
Yes. There are special senior citizen health plans available. Premiums and medical requirements may differ, and we help you choose the best option.
How long does it take to get a policy issued?
Some policies (like motor insurance) can be issued instantly. Life and health insurance may take a few days depending on underwriting and medical checks.
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FAQ Questions
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Do you offer insurance for small businesses and shops?
Yes. We provide fire insurance, shop insurance, property insurance, and liability coverage tailored for small and medium businesses.
What is group insurance?
Group insurance provides coverage to a group of people under a single policy, usually employees of a company or members of an organization. It offers lower premiums and simplified coverage.
How can I contact you for a consultation?
You can call, WhatsApp, or email us anytime to discuss your insurance needs. Phone / WhatsApp: [+91 9072080642], Email: [neoserve.in@gmail.com]