Insurance that is explained before it is sold.

PolicySarthi is an independent advisory firm in Surat. We compare plans across insurers, translate the fine print, and stay with you when it is time to claim.

Independent, multi-insurerClaim support includedNo obligation

How much cover does your family need?

A quick estimate in 20 seconds. Your advisor will refine it with you.

Suggested life (term) cover–Suggested family health cover–Indicative only: about 15 years of income plus loans, minus savings. Real needs depend on age, goals and existing policies.

Why people stay with us for years

Advice first

You get the benefits, exclusions and fine print explained before you pay anything.

Honest about need

If you do not need a product, we say so. We recommend only what we would give our own family.

Compared across insurers

We show pros and cons of several plans in simple words, with no jargon and no pressure.

With you at claim time

Claims help, renewals and policy changes are one phone call away.

Find the right plan

Pick a cover to see what it does, who it suits and what to check before buying.

Also covered for businesses and institutions

How we work with you

The same four steps whether you need one health policy or cover for a factory.

We understand you

Income, loans, dependents, lifestyle and the goals you are working towards.

We size the risk

How much cover you need, for how long, and the reason behind each number.

We compare plans

Several insurers side by side, with benefits and limits in plain language.

We stay after purchase

Claims, service, renewals and updates, handled by the people who advised you.

Questions we hear often

Does it cost more to buy through an advisor?

Insurers set the premium. Buying through an advisor does not change it, and you get help with comparison and claims on top.

Which insurance should I buy first?

Usually term life for earners with dependents and health cover for the family. We check your situation before recommending anything else.

Can you help my business, not just me?

Yes. We handle fire, stock, marine, liability, workmen compensation, group health (GMC), group accident (GPA) and more. See the list under Plans.

What happens when I need to make a claim?

Call us first. We guide you through documents and follow-up with the insurer so a technicality does not stall the claim.

Do you only offer insurance?

We also advise on SIPs, mutual funds, PMS and advisory portfolios, plus finance and taxation or legal services.

Talk to an advisor, free and without obligation

Request a callback

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