Insurance

📌 Frequently Asked Questions (FAQs) for Insurance Services in Rajkot

Welcome to Shivay Financial Services, your trusted insurance agents in Rajkot. We offer expert guidance and personalized advice for selecting the right insurance plans for your family, business, and assets. From health insurance in Rajkot to fire insurance in Rajkot, our experienced team helps you choose the best policies from reputed insurance companies.

Here are some of the most common queries our clients ask — answered for your convenience.

🏥 Health Insurance & Mediclaim in Rajkot

1️⃣ What is Health Insurance?

Health insurance is a policy that covers medical expenses such as hospitalization, surgery, and treatment for critical illnesses. As licensed insurance agents in Rajkot, we help you select the most suitable health insurance policy based on your needs and budget.

2️⃣ What is Mediclaim and How is it Different from Health Insurance?

A Mediclaim policy mainly covers hospitalization expenses up to the sum insured, while health insurance policies offer broader benefits like daycare procedures, ambulance charges, and critical illness covers. We assist you in comparing different plans offered by top insurance companies in Rajkot.

3️⃣ Why Should You Buy Health Insurance in Rajkot?

With rising medical costs, a health insurance policy in Rajkot provides:

• Cashless hospitalization at reputed network hospitals in Rajkot.
• Financial protection against unexpected medical expenses.
• Tax savings under Section 80D.
• Peace of mind for your family.

As your insurance advisors in Rajkot, we suggest plans based on your age, family size, and health history.

4️⃣ What Does a Health Insurance Policy Cover?

Most plans cover:

• Hospitalization expenses
• Pre & post-hospitalization costs
• Daycare procedures
• Ambulance charges
• Maternity cover (optional)
• Critical illness (optional)

Our team will explain plan inclusions and exclusions before you decide.

5️⃣ Can I Get Cashless Treatment in Rajkot Hospitals?

Yes — most insurers have tie-ups with leading hospitals in Rajkot for cashless mediclaim services. As your insurance agents, we provide a list of network hospitals and assist during claims.

6️⃣ How Can Shivay Financial Services Help With Health Insurance in Rajkot?

As experienced insurance consultants in Rajkot, we:

• Help you select the best plan from multiple insurers.
• Explain features and benefits in simple language.
• Assist with documentation and policy issuance.
• Provide complete claim assistance.

🚗 Car Insurance in Rajkot

1️⃣ Is Car Insurance Mandatory in Rajkot?

Yes — as per the Motor Vehicle Act, it’s compulsory to have a valid car insurance policy in Rajkot before driving on public roads. We help you choose between third-party insurance and comprehensive car insurance policies.

2️⃣ What Types of Car Insurance Are Available?

• Third-Party Insurance: Mandatory by law. Covers liabilities towards a third party.
• Comprehensive Insurance: Covers both third-party liabilities and own vehicle damage, theft, and natural calamities.

We recommend comprehensive policies for complete protection.

3️⃣ What is Covered Under a Comprehensive Car Insurance Policy?

A typical plan includes:

• Accident damage
• Theft of the vehicle
• Fire or explosion
• Natural calamities like floods, storms
• Personal accident cover for driver/owner
• Third-party property/life cover

We help compare premiums and coverage benefits from multiple insurers.

4️⃣ How Do I Renew My Car Insurance Policy in Rajkot?

Car insurance must be renewed before the expiry date. As car insurance agents in Rajkot, we send timely reminders and assist with hassle-free renewals — even for expired policies after inspections.

5️⃣ Can I Transfer My No Claim Bonus (NCB)?

Yes — your No Claim Bonus (NCB) can be transferred when you switch insurers or buy a new car. We ensure you don’t lose your hard-earned NCB while moving to a better policy.

🛡️ Life Insurance & Term Insurance in Rajkot

1️⃣ What is Life Insurance?

Life insurance provides financial security to your family in case of your untimely demise. It ensures your dependents receive a lump sum amount (sum assured) to manage expenses and liabilities.

As your life insurance agents in Rajkot, we guide you through plan options, benefits, and policy terms.

2️⃣ What is Term Insurance and How is it Different From Life Insurance?

Term insurance in Rajkot is the simplest and most affordable form of life insurance — offering high coverage at low premiums. It provides financial protection only in case of death during the policy term.

Other life insurance plans may offer maturity benefits, investments, and savings options.

3️⃣ Why Should You Take Life Insurance in Rajkot?

• Protect your family’s financial future.
• Secure your children’s education and marriage.
• Cover home loans or personal liabilities.
• Enjoy tax benefits under Section 80C and Section 10(10D).

We suggest life insurance plans based on your family’s needs and financial goals.

4️⃣ When is the Best Time to Buy Term Insurance?

The younger you are, the cheaper your premium. We advise taking term insurance in Rajkot early in life (between 25-35 years) for maximum financial benefits and lower premiums.

5️⃣ Can I Have Multiple Life Insurance Policies?

Yes — you can take multiple life insurance policies in Rajkot to meet different financial needs like retirement planning, education funding, and family protection.

🔥 Fire Insurance in Rajkot

1️⃣ What is Fire Insurance?

Fire insurance provides financial cover against loss or damage caused by fire, lightning, explosion, riots, strikes, or natural disasters to your property.

As licensed fire insurance agents in Rajkot, we help you insure your home, shop, or office premises.

2️⃣ Who Should Buy Fire Insurance in Rajkot?

We recommend fire insurance for:

• Homeowners
• Shopkeepers
• Industrial units
• Factories & godowns
• Warehouse owners

3️⃣ What is Covered Under a Fire Insurance Policy?

Coverage includes:

• Fire and explosion damage
• Lightning and natural disasters
• Riots, strikes, and malicious damage
• Damage from vehicle impact
• Short-circuit-related fires

We explain coverage limits and exclusions transparently before policy issuance.

4️⃣ How Do I Make a Fire Insurance Claim in Rajkot?

In case of damage:

• Inform the insurer immediately.
• Submit a claim form, bills, and incident reports.
• A surveyor will assess the loss.
• The claim is settled based on the assessment.

As your insurance agents in Rajkot, we assist with the entire claim process.

📞 Why Choose Shivay Financial Services for Insurance in Rajkot?

✅ Trusted insurance agents in Rajkot for over 14 years
✅ One-stop advice for health, life, car, term, and fire insurance
✅ Tie-ups with multiple reputed insurance companies
✅ Personalized policy recommendations
✅ Competitive premium quotes
✅ Complete claim support and renewals
✅ Customer-first approach

📢 Contact Shivay Financial Services – Insurance Agents in Rajkot

Looking for reliable insurance agents in Rajkot for your family or business?
Connect with us for the best options in:

• Health Insurance in Rajkot
• Mediclaim in Rajkot
• Car Insurance in Rajkot
• Life and Term Insurance in Rajkot
• Fire Insurance in Rajkot

📞 Call: 9499756942
📍 Visit: Shivay Financial Services, Rajkot