It Is Safer To Check Insurance Policy Brochure Yourself

I am confused about choosing the right insurance, whether it's health, life, or vehicle.

- HINA SHAH

RAJIV SINGH, email

The biggest challenge I am currently facing is comparing and understanding policies. Should I trust agents, reviews, or do my own research?

In the age of information overload, your dilemma is fairly understandable. Agents can be useful as they simplify policies and help with paperwork and claims. The flip side is that some may push plans with higher commissions or skip key details about inclusions and exclusions. It’s safer to check the policy brochure yourself before choosing.

Online reviews should also be looked at carefully. Many are sponsored and app ratings can feel manipulated, but they still help you spot patterns like claim settlement ratios, customer support quality, real user issues and Irdai-related data.

If you have the time and patience, researching on your own can work well. If not, a certified financial planner can step in. They assess your income, expenses, liabilities and existing cover to suggest suitable life, health, vehicle, personal accident and critical illness policies.

ANURAG MISHRA, email