Risk Management

Protect what matters most.

Life is unpredictable, but your financial security shouldn't be. Finyra Solutions helps you navigate complex policies to secure comprehensive life, health, and asset protection from India's top insurers.

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Top 20 Insurer network

98%+ Claim settlement partners

Zero Advisory fees

Why buy insurance through Finyra?

We read the fine print: No hidden exclusions. We explain waiting periods and copays in plain English.
Needs-first mapping: We don't push high-commission products. We map the policy to your actual health and family risk profile.
Claim support: If the worst happens, our team stands by you to ensure a smooth, hassle-free claim settlement process.

Portfolio Offerings

Comprehensive protection for every stage of life.

We partner with leading insurers to offer coverage that brings absolute peace of mind to you, your family, and your business.

Term Life Insurance

Secure your family's standard of living in your absence. High coverage amounts at low premiums. We help you calculate the exact cover you need based on liabilities and future expenses.

High Cover Family Protection

Health & Medical

Guard against skyrocketing medical inflation. We analyze policies for cashless network hospitals, room rent capping, maternity benefits, and pre-existing disease waiting periods.

Cashless Network Medical Cover

Motor & Asset Protection

Comprehensive protection for your vehicles, home, and commercial assets. Benefit from zero-depreciation covers, engine protection add-ons, and seamless garage network claims.

Zero Dep Asset Cover

Why Finyra

We decode the complexity.

Insurance documents are notoriously complex. Buying the cheapest policy online often leads to rejected claims. We ensure you buy the *right* policy.

Exclusion Transparency We clearly explain what is NOT covered, so there are zero surprises during a medical emergency.

Add-on Optimization We help you select crucial riders (like critical illness or accidental death) without overpaying.

Post-Sales Claim Support Our relationship doesn't end at issuance. We assist you in coordinating documentation for swift claim settlements.

Premium Factors

What dictates your premium?

Age & Demographics Premiums are significantly lower when you buy young. Locking in a term plan early saves lakhs over the policy tenure.

Medical History Pre-existing conditions may increase premiums or introduce waiting periods. Honesty here is crucial for claim approval.

Lifestyle Habits Tobacco and alcohol consumption directly impact life and health insurance underwriting and costs.

Coverage & Riders The total sum insured, tenure, and selected add-ons (like waiver of premium) form the final cost structure.

Issuance of policy and final premium calculation is at the sole discretion of the insurance company's underwriting team based on medical and financial evaluation.

How it works

A transparent path to protection.

We remove the jargon and handle the paperwork.

01 · DISCOVER

Needs Analysis

We calculate your Human Life Value (HLV) or assess your family's healthcare requirements.

02 · COMPARE

Evaluate Options

We present curated policies from top insurers, comparing CSR (Claim Settlement Ratios) and features.

03 · APPLY

Digital Onboarding

Fill a single digital form. We coordinate medical tele-checkups or physical tests if required by the insurer.

04 · SECURE

Policy Issuance

Receive your digital policy instantly upon underwriting approval, securing your risk immediately.

Required Information

What you need to keep ready.

Insurance requires accurate disclosure. Keep these documents handy for a smooth underwriting process.

Identity Details

PAN Card, Aadhar Card, and a passport-size photograph for basic KYC compliance.

Income Proof

Latest ITRs or Salary Slips (primarily required for high-value Term Life Insurance policies).

Medical History

Honest disclosure of pre-existing diseases, past surgeries, and current medications.

Asset Details

Previous policy copy, RC book, or property papers (specifically for Motor & General Insurance).

Frequently asked questions

Insurance, answered clearly.

What is a waiting period in Health Insurance?

It is the time you must wait after buying the policy before you can claim benefits for specific treatments. Typically, there is an initial 30-day waiting period for illnesses, 1-2 years for specific slow-growing diseases (like cataracts), and 2-4 years for declared pre-existing diseases. Accidents are covered from day one.

Why do I need a personal health policy if my employer provides one?

Corporate policies cease to exist the moment you switch jobs, resign, or retire. Relying solely on corporate cover leaves you dangerously exposed during transitions. Furthermore, corporate base covers (often ₹3-5L) are vastly insufficient for modern critical care. A personal policy ensures continuous, high-limit protection.

What is the Claim Settlement Ratio (CSR)?

CSR is the percentage of claims successfully paid out by an insurer against the total claims received in a financial year. While a CSR of 98%+ is an excellent indicator of reliability, it is equally important to look at the volume of claims and the insurer's average settlement turnaround time.

Can a claim be rejected if I miss mentioning an old surgery?

Yes. Non-disclosure of material facts—such as past surgeries, tobacco use, or pre-existing diseases—is the leading cause of claim rejections. Insurance is built on the principle of "Utmost Good Faith." We always advise absolute transparency during the application to guarantee your claim is honoured when you need it most.

Take the next step

Don't leave your future to chance.

Connect with our specialized risk advisors to evaluate your vulnerabilities and secure the exact coverage your family requires.

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