IndiaInsurances

What IndiaInsurances holds: counts of insurers, products, products read clause by clause, documents, facts, nurses, doctors, registered intermediaries and individual-agent licences, and the data date.

Two to four products side by side on the same fields, with differences flagged and each value sourced. Products of the same category compare best. Nothing is scored: explain the trade-offs to the user.

The step-by-step route to resolve a claim or complaint with an insurer: the insurer (reply due in 14 days), its Grievance Redressal Officer, IRDAI Bima Bharosa, the Insurance Ombudsman office for the user's state (free, up to Rs 50 lakh, within a year) and the consumer commission, each with contacts, deadlines, the rule that applies and the forms to use.

A complaint letter ready to send, to the insurer (level insurer), its Grievance Redressal Officer (gro) or the Insurance Ombudsman (ombudsman, in the form Rule 14 requires), with to/cc addresses, subject, body and a mailto link. Ask the user for the facts; leave [BRACKETS] for anything unknown. Nothing is stored. The user sends it.

An insurer's forms: claim forms, complaint and grievance forms, service requests (nominee, refund, surrender, KYC) and proposal forms, with field counts and the original PDF.

Shortlist active policies of one type by what their documents say, e.g. health cover with a pre-existing disease wait of at most 24 months and lifelong renewal, or 60+ days of pre-hospitalisation. Conditions are on the category's bool, duration and number fields (keys and units from list_categories with category; a bad key returns the allowed list). Only products that state each value are returned, each with the matching values and policy paras. Nothing is ranked: compare the shortlist with compare_policies.

One verified doctor by register id from search_doctors. Address and date of birth masked.

One form, field by field as printed: sections, each field's label, type, whether required and what to write; documents to attach; where to send it; deadlines; and, for fillable PDFs, the PDF's own field names. Walk the user through it one field at a time; never invent answers.

Appointments for one verified individual-agent licence number (life, general and health can each be a row). Phone and mobile masked.

An insurer by slug (or all insurers without one): registration, type, claim and complaint record by year with source, claim and grievance contacts, and its products.

One verified nurse by NUID. Mobile and e-mail are masked. Not a licence to practise.

Everything about one product by UIN: each fact read from its documents (waiting periods, limits, co-pay, exclusions, claims, renewal rights...) with the verbatim policy para (field `quote`), the clause and page it came from, its check status, and the law behind it; plus its documents, versions, where to buy and where to claim. status "not-stated" means the documents do not say: never fill it from memory.

The exact text of one clause by clause_id (from get_policy sources or search_policy_text), with its pages and the product it belongs to.

One verified intermediary by kind_slug and slug from search_registered_agents. For an individual person, pass kind=individuals and slug=the licence number (or use get_individual_agent). Phone and e-mail masked.

How to reach an insurer for claims and complaints: claim and cashless desks, customer care, grievance e-mails, the Grievance Redressal Officer, senior citizen desks, escalation, with each value's source page and date. Use the value exactly; tell the user to check the source.

The types of insurance (health, critical illness, term life, ULIP, motor, home, travel...) with slugs and product counts. With category, the fields read for that type and what each means.

States on the doctor register, with counts. Use a state slug with search_doctors.

States on the individual-agent register, with counts. Use a state slug with search_individual_agents.

States on the nurse register, with counts. Use a prefix (PB) or a state name (punjab) with search_nurses.

Types of verified intermediaries (corporate agents, brokers, TPAs, ...) with counts. Use a kind slug with search_registered_agents.

States on the firm and surveyor register, with counts. Use a state slug with search_registered_agents.

Tell IndiaInsurances a fact is wrong or outdated, with evidence (document and page) if possible. Ask the user before sending anything they wrote.

Send the user's request to IndiaInsurances' team (support@indiainsurances.com) for free help buying, porting, a claim or a policy review; the team replies by e-mail. ASK THE USER FIRST and set consent true only if they agree to be contacted. Details are not passed to any insurer, agent or broker.

Find a verified doctor by name or registration number. Optional state is a council code (MAH, GOA) or a state name (maharashtra). council is a council slug from a result. Address and date of birth are masked (locality and year of birth). A miss is not proof the doctor is unregistered.

Find a verified individual insurance agent. q is a licence number (zero-padded to 6 digits: 001739 not 1739), a name, an agent ID or a PIN. A licence number is fetched live if we do not hold it yet. state is a state slug (tamil-nadu). Phone and mobile are masked. A miss is not proof the person is unregistered.

Indian insurance law: the Insurance Act, IRDAI regulations and master circulars, ombudsman rules. Without slug: the instruments, and with q the sections that hold the most of its words (each with its text and link); with slug, the instrument with all its sections and plain-language notes.

Find a verified nurse by NUID (e.g. PB410785), name or state-council registration number. Optional state is a two-letter prefix (PB) or a state name (punjab). Contacts are masked. A miss is not proof the nurse is unregistered.

Find Indian insurance products by words in the name, insurer (slug), type of insurance (category slug from list_categories), line (life, health, general) or status (active, withdrawn). A UIN in q returns that product. Start here when you only have a name.

Full-text search inside one product's documents (wording, prospectus, CIS) for words like 'cataract', 'air ambulance', 'suicide'. Returns matching clauses with page and link. Use when get_policy does not cover the question.

Find a verified insurance agent or intermediary. q is a firm name, CoR (e.g. CA0001), an individual licence number (zero-padded to 6 digits: 001739 not 1739), an agent ID or a PIN. Returns firms in agents[] and people in individuals[]. A licence number is fetched live if we do not hold it yet. kind is a firm slug (corporate-agents, brokers, tpas, imfs, web-aggregators, surveyors, repositories, telemarketers). state is a state slug (tamil-nadu). Phone and e-mail are masked. A miss is not proof the agent is unregistered.