The call came at 7.10 am.
A father from Ahmedabad. Voice shaking. Mother in the ICU. Cashless claim stuck.

He had a health insurance policy. He had paid every premium on time.
The TPA note said three words that break hearts in India every day.
Non disclosure suspected.

We met that afternoon. I poured two cups of chai and asked one question.
Tell me your full health story like you would tell a doctor.

Out it came. Borderline blood pressure three years ago. Doctor had asked for lifestyle changes and a mild pill for six months. He felt fine again. The proposal form had only a quick tick on No. Agent had filled the rest. Rushed day. New job. New baby. You know how life pulls you in ten directions.

Here is the truth many miss. Insurers do not hate claims. They hate surprises.
When your paperwork says perfect health and your file shows old prescriptions, the system flags it. That is how a clean claim turns into a stressful morning.

We opened a fresh page. Full disclosure. Dates. Doctor’s name. Prescriptions. The six month medicine. The latest normal readings. A short, clear note from the treating physician. No drama. Only facts. Only honesty.

Two days later, the pre authorization moved. Not magic. Not influence.
Just alignment between medical reality and the form.

I keep this story close because it shows something simple.
Truth reduces friction.
Truth speeds decisions.
Truth protects families.

So before you buy or renew, sit with your health story for ten quiet minutes.
List every diagnosis you remember. Surgeries. Hospital stays. Long term medicines. Even if old. Even if you feel fine now. Disclose it. You are not inviting higher premiums. You are inviting peace.

Sharmaji advice that never fails. Say it all once. Sleep well for years.

What Exactly Counts As A Pre-Existing Disease

Pre existing disease sounds scary. It is simply your health history that still matters to an insurer. If a doctor diagnosed it, treated it, or you took regular medicine for it before you bought the policy, treat it as disclose worthy.

What usually counts

• Long running conditions: diabetes, blood pressure, asthma, thyroid disorders, COPD, epilepsy.
  
• Heart and kidney history: stents, bypass, angioplasty, chronic kidney disease, dialysis, kidney stones with repeated episodes.
  
• Serious episodes and surgeries: cancer, stroke, brain surgery, joint replacement, spine surgery, major fractures with implants.
  
• Ongoing medicines: daily BP or sugar pills, inhalers, thyroid tablets, blood thinners, anti seizure meds, long term pain control.
  
• Hospital admissions in the past for any major illness.
  
• Doctor advised lifestyle disease management that required medicine or regular follow ups.
  

What usually does not trigger disclosure by itself

• One time viral fever that resolved without hospital admission.
  
• A sprain or minor injury that healed fully with no ongoing treatment.
  
• Childhood infections that left no current issues.
  
• Small outpatient procedures that healed completely, like a simple dental filling.
  Tip from Sharmaji: if you have discharge summaries, repeated prescriptions, or follow up advice, it leans toward disclosure.
  

Grey zones that confuse buyers

• Borderline numbers that led to a short course of medicine earlier. If a doctor prescribed pills, disclose it with dates.
  
• Recurrent acidity, migraines, allergy shots, or skin conditions that keep coming back. If it needs periodic treatment, disclose.
  
• Past surgery that feels old news. If a body part was operated, list it with month and year, even if you feel perfect today.
  
• Women’s health history like PCOS or fibroids that needed treatment. Better to mention it cleanly.
  

A simple 4 question test
Answer yes to any one, and disclose.

1. Did a doctor diagnose a condition before policy start.
   
2. Did you take regular medicines for more than 30 days.
   
3. Were you ever admitted for it.
   
4. Do you still get follow ups or tests for it.
   

How to write it on the form

• Name of condition in plain words.
  
• First diagnosis month and year.
  
• Medicines taken then and now.
  
• Treating doctor and hospital.
  
• Whether you are stable today.
  

Sharmaji advice: truth on paper saves tears at the hospital. When unsure, say it. If it is truly minor, underwriting will ignore it. If it is material, your honesty guards your claim.

How Far Back To Tell Your Story

 There is no fixed year limit for disclosure. Insurers care about material facts that influence risk. If an old condition still explains your health today or could affect treatment tomorrow, include it.

What material really means

• A fact that would change premium, waiting period, or coverage terms.
  
• A condition that needed medicine, follow ups, or surgery at any point.
  
• A past diagnosis that can recur or has long term effects.
  

When an old event still matters

• You had a kidney stone ten years ago and had two smaller episodes since. Disclose the first one and the later ones.
  
• You had a stent eight years ago and feel fine now. Disclose with dates and medicines.
  
• You had thyroid issues in college and still take tablets. Disclose both the start date and current dose.
  
• You had a laparoscopic surgery long back. If it involved a major organ, list it with month and year.
  

When tiny past issues can rest

• One viral fever that resolved, no admission, no repeats.
  
• A minor sprain that healed, no follow ups, no chronic pain.
  
• A simple dental filling with no ongoing treatment.
  

Use the timeline method
Make a mini health timeline on paper.

• Year and month of first diagnosis.
  
• Hospitalizations with discharge summary dates.
  
• Start and stop dates for regular medicines.
  
• Current status and latest test names with month and year.
  Copy this cleanly into the proposal form. Attach scans if helpful.
  

How to write old but stable conditions

• Diabetes, diagnosed 2016, on metformin till today, latest HbA1c July 2025 6.4.
  
• Hypertension, diagnosed 2021, medication for six months, now stable without pills, latest BP logs attached.
  
• Kidney stone, surgery 2019, no recurrence since 2020, ultrasound June 2025 normal.
  
• Thyroid, diagnosed 2014, on levothyroxine 50 mcg daily, TSH June 2025 within range.
  

Red flags that make insurers doubt

• Proposal says No to BP, pharmacy bill shows amlodipine three months before policy start.
  
• Past discharge summary mentions diabetes, proposal skips it.
  
• Fitness certificate says normal, but lab reports show repeated high sugar last year.
  Close the gap before you apply. A short note from your doctor works wonders.
  

Sharmaji tip for clean disclosure
If you would tell a new doctor about it, tell your insurer about it.
Age of the event is less important than its weight on your health story.

Two Clocks Decide Your Claim. Know Both.

I hear this confusion every week. Someone says, “My three years are over, so no one can question my claim now.” Another says, “Five years done, so diabetes is covered from day one.” Both are half right. Two clocks run in health insurance. One is the waiting period. One is the moratorium. Understand them once and you will never panic at a hospital counter again.

Waiting period. The coverage clock.

• This is the time you wait before the policy starts covering a listed condition.
  
• For pre existing diseases, IRDAI cappre-existing diseases this at a maximum of three years from April 2024. After three continuous years, disclosed pre-existing diseasess must be covered as per policy terms.
  
• Many plans also have specific waiting for knee replacements or hernia. Those specific lists are also generally three years now.
  

Moratorium. The contesting clock.

• This is the time after which the insurer cannot contest your policy or claim for non disclosure or misrepresentation, except for proven fraud.
  
• IRDAI reduced this to five years of continuous coverage from April 2024. Portability and migration years count into these 60 months. 

Simple way to remember

• Three years answers, “From when will my disclosed disease get covered.”
  
• Five years answers, “From when will the company stop digging into old proposal answers unless it is fraud.”
  

How the two clocks talk to each other

• Year 1 to 3. Your disclosed diabetes is in waiting. A dengue admission is payable if otherwise covered. A diabetes related admission waits till the pre-existing diseases clock ends.
  
• After three years. Diabetes related claims should be covered as per terms. If a claim is denied for “pre existing,” you can push back with policy wording. 
• After five years. The company cannot reject a covered claim saying you hid facts unless they prove fraud. This protection helps families who made an honest mistake at proposal time.
  

Riders that shrink the wait

• Some insurers offer buyback or waiver riders that reduce the pre-existing diseases waiting to one year. A few products even offer day one pre-existing diseases cover for select conditions with extra premium and medical screening. Availability varies by insurer and plan.
  
• Use riders thoughtfully. They raise premium, but they can be worth it for families with ongoing treatment.
  

What still stays outside

• Permanent exclusions written in your policy remain. A moratorium does not force coverage of an excluded item.
  
• Fraud breaks every protection. If documents show a deliberate lie, no clock will save that claim.
  

Sharmaji’s rule

• Three years for coverage. Five years for contesting.
  
• Keep renewals unbroken. Keep papers tidy. Sleep easy.

What Insurers Do With Your pre-existing diseases

 Disclose cleanly and the rest is a process. Medical underwriting studies your health, then prices and designs your cover. Some offers feel perfect. Some need a tweak. Knowing the menu helps you choose calmly.

What underwriting usually asks for

• Basic tests. Blood sugar, HbA1c, lipid profile, liver and kidney function, urine routine.
  
• Condition specific checks. Treadmill test for heart history, ultrasound for kidney stones, thyroid profile for hypothyroid, spirometry for asthma.
  
• Paper trail. Past discharge summaries, prescriptions, latest follow up notes.
  
• A simple questionnaire call to confirm timeline and current status.
  

Common outcomes and what they mean

• Standard issue. No change in premium. Waiting periods as per product.
  
• Premium loading. A percentage added to base premium for higher risk.
  
• Condition based copay. You pay a fixed share only for claims linked to that condition.
  
• Sub limit. A rupee cap for a listed treatment.
  
• Exclusion. The policy will not pay for a listed condition.
  
• Postpone or decline. Rare, used when risk is very high or reports are incomplete.
  

How to decide calmly

• Loading. Accept if the condition is managed and the cover is otherwise strong. A small extra today can save lakhs later.
  
• Copay. Acceptable for mild, well controlled conditions. Avoid very high copays that defeat the point of cover.
  
• Sub limit. Read the rupee cap. If it is too tight, ask for a higher sum insured or a different plan.
  
• Exclusion. Walk away if the exclusion targets your biggest risk. Better to find a plan that covers it or offers a fair rider.
  

Riders that can help

• Waiting period buyback or waiver. Cuts the pre-existing diseases wait from three years to one year in select products. Costs extra and may need medicals.
  
• Disease specific upgrade. Some plans sell add ons for diabetes or hypertension that add benefits like extra tests or day one support.
  
• Room rent upgrade. Prevents proportionate deduction shock in big city hospitals.
  
• Restore or refill. Brings back sum insured after a claim. Useful if your pre-existing diseases can trigger repeat admissions.
  

A simple decision tree

1. Is your main condition covered after waiting. If yes, shortlist.
   
2. Is the proposed loading reasonable. If yes, continue.
   
3. Are exclusions fair and clearly worded. If yes, proceed.
   
4. Can a rider improve early year protection. If yes, add it.
   
5. Do network hospitals near you accept this insurer for cashless. If yes, pick it.
   

Real world example

Rita, 42, with well controlled thyroid. Proposal offered standard issue. She added restore and room rent upgrade. No rider needed.
Zubair, 55, with diabetes on tablets. Proposal offered 20 percent loading and one year buyback rider. He took both and got diabetes related cover from year two instead of year four in his family plan.
Key point. The right mix is personal. Numbers make sense when they reflect your health story and hospital choices.

What to push back on

• Vague exclusions that say related to. Ask for a precise medical name.
  
• Unlimited copays. Ask for a cap.
  
• Missing test reports in the decision file. Share fresh reports and request a review.
  

Sharmaji tip

Underwriting is a conversation documented on paper. Speak fully. Read carefully. Sign only what you understand.

Disclosure Checklist You Can Finish Over Chai

 A clean disclosure is a gift to your future self. Use this list, fill it once, save a soft copy, and reuse it at every renewal or portability.

Your master list

• Identity set. PAN or Aadhaar, address proof, a passport size photo if asked.
  
• Policy set. Current policy schedule, previous insurer details, renewal history.
  
• Doctor set. Names, specialties, clinic numbers, city.
  
• Diagnosis list. Condition name, first diagnosis month and year, current status.
  
• Medicine list. Name, dose, start date, still taking or stoppre-existing diseases, who prescribed.
  
• Test list. Report name, date, result summary in one line.
  
• Hospitalization list. Hospital name, admission and discharge dates, reason, discharge summary.
  
• Surgery list. Name of surgery, month and year, implants if any, outcome.
  
• Allergy list. Drug allergies, food allergies, reaction noted.
  
• Lifestyle facts. Tobacco or alcohol use, years, current status, quit date if any.
  
• Family history. Parents and siblings with major illnesses, age at diagnosis if known.
  
• Current status note. How you feel today, any symptoms, last follow up date.
  

Documents to attach

• Prescriptions for long term medicines.
  
• Discharge summaries for every admission.
  
• Key investigations. Ultrasound, echo, CT, MRI, HbA1c, lipid profile, TSH, creatinine.
  
• A short letter from your doctor if a condition is stable. One paragraph is enough.
  

How to write each disclosure on the form

• Condition. Diabetes type 2.
  
• First diagnosed. August 2016.
  
• Treatment. Metformin 500 mg twice daily till today. Diet and walk.
  
• Latest tests. HbA1c July 2025 is 6.4.
  
• Doctor. Dr Patel, Endocrinology, Ahmedabad.
  
• Status. Stable. No complications.
  

Repeat the same pattern for BP, thyroid, kidney stone, past surgery, or anything else that matters.

A one page summary for the insurer file

Top of the page. Name, date of birth, mobile, email, policy number if existing.
Body. Four lines that tell your health story in simple words.

1. Key conditions with start dates.
   
2. Long term medicines with doses.
   
3. Major tests with latest dates.
   
4. Hospitalizations with year only.
   Close with a line that says you will provide any extra document on request. Print and sign. Attach to the proposal.
   

Sample pre-existing diseases declaration text

I have diabetes since August 2016. I take metformin 500 mg twice daily. My latest HbA1c in July 2025 is 6.4. I had a kidney stone surgery in May 2019 and have had no recurrence. I take levothyroxine 50 mcg daily for hypothyroid since 2014. I am stable and follow up twice a year. I confirm that the above is true to the best of my knowledge and I will share any additional records that help underwriting.

Common gaps to fix before you submit

• Medicine names missing or dose missing.
  
• Test dates old. Do fresh blood work if the last report is older than six months.
  
• Hospital names misspelled. Match what is on the discharge summary.
  
• Doctor names without city. Add location to avoid confusion.
  
• A Yes in the form with no details in the box. Add a clear line even if short.
  

Sharmaji tip

Scan everything into a single PDF. Name it Health Disclosure YourName Month Year. Save it on your phone. Next time, five minutes and done.

Mistakes That Trigger Claim Trouble

Most messy claims start months earlier on a hurried form. Fix the roots, not the leaves.

1) Non disclosure in the proposal

• What happens: a yes-worthy condition gets marked no.
  
• Why it hurts: insurer sees old prescriptions or discharge notes and flags misrepresentation.
  
• Fix: disclose every diagnosis, surgery, and long term medicine with dates. If you forgot earlier, send an endorsement now.
  

2) Partial disclosure

• What happens: you write diabetes, but skip the stent from two years ago.
  
• Why it hurts: the missing piece makes the file look slippery.
  
• Fix: tell the full story. Add all related conditions, procedures, and follow ups.
  

3) Agent filled my form, I just signed

• What happens: good people sign wrong answers.
  
• Why it hurts: your signature owns the facts.
  
• Fix: fill it yourself or sit with the agent, line by line. Keep a copy of what went in.
  

4) Proposal says no BP, pharmacy bill says amlodipine

• What happens: documents contradict each other.
  
• Why it hurts: looks like misrepresentation even if it was a short course.
  
• Fix: clarify in writing. Example line: “Borderline BP in 2022, amlodipine for three months, stop pre-existing diseases after normal readings. No issues since.”
  

5) Hospital admission notes do not match the form

• What happens: admission sheet says known diabetic, proposal says no.
  
• Why it hurts: the claim desk cannot ignore this.
  
• Fix: before admission, give a clean health history to the hospital. Carry a summary printout.
  

6) Old tests missing from the insurer file

• What happens: underwriting decides with half data.
  
• Why it hurts: leads to tight exclusions or later disputes.
  
• Fix: share key reports yourself. HbA1c, lipid profile, ultrasound, echo, TSH, creatinine, as relevant.
  

7) Vague doctor notes

• What happens: case sheet says rule out something scary, but no follow up note confirms status.
  
• Why it hurts: ambiguity invites delays.
  
• Fix: ask your doctor for a short status letter. One paragraph. Diagnosis, treatment, current control.
  

Small habits that prevent big headaches

• Keep a health folder on phone and email.
  
• Scan every discharge summary and long term prescription.
  
• Update a one page health summary twice a year.
  
• Read the proposal aloud before signing.
  
• If a mistake slips through, correct it by endorsement. Do not wait for a claim.
  

Sharmaji tip

Forms do not deny claims. Gaps do. Close the gaps while life is calm.

Forgot Something Earlier

 Good people miss details on busy days. Insurers understand corrections when they are clear and documented. Your goal now is simple. Put the full truth on record. Get a written acknowledgement. Keep cover continuous.

Step by step fix

1. Write an endorsement request
   

• Subject line. Policy number, your name, endorsement for medical disclosure.
  
• First line. I wish to correct my medical history on record.
  
• Bullet your facts. Condition name, first diagnosis month and year, past treatment, current status, medicines, treating doctor.
  
• Attach proofs. Prescriptions, lab reports, discharge summaries, a short status letter from your doctor if possible.
  
• Close with a calm request. Please update my proposal record and issue an endorsement. I accept any fair revision as per underwriting.
  Send this by email to the insurer help desk and your agent. Upload on the portal if available. Keep the ticket number safe.
  

2. Keep the policy active
   

• Pay renewal on time while the endorsement is processed.
  
• Do not let coverage break. A break resets many helpful clocks.
  

3. Ask for a clear outcome
   

• Updated proposal copy or endorsement note.
  
• If underwriting changes terms, ask for the new premium, waiting, or exclusion in writing.
  
• If no change is needed, ask for a simple confirmation mail.
  

4. If you face a refusal to endorse mid term
   

• Some insurers prefer to correct at renewal. Accept the email trail as proof that you tried.
  
• Calendar a reminder to update the form at renewal.
  
• If trust feels shaken, plan portability before renewal. Share your full disclosure and current proofs to the new insurer, plus clean copies of all past policies.
  

Sample endorsement text you can reuse

I request an endorsement to record my pre existing health details. I was diagnosed with hypertension in March 2022. I took amlodipine 5 mg daily for three months and then stoppre-existing diseases after normal readings. I have been stable since. My latest BP logs for July 2025 are attached. I also had kidney stone surgery in May 2019 and have had no recurrence. Please update my proposal record and let me know if any change in terms is required. I confirm that all information is true to the best of my knowledge.

If a claim arises while you are fixing the record

• Tell the hospital TPA the missing disclosure yourself.
  
• Hand over your endorsement email and proofs.
  
• Ask the treating doctor to note current control and stability in the case sheet.
  
• Stay responsive to queries. Short, factual replies work best.
  

When portability makes sense

• You want better terms for a disclosed condition.
  
• Your current plan has a harsh exclusion that a competitor is willing to review.
  
• Your preferred hospital network is stronger with another insurer.
  Tip. Start the portability process well before renewal. Share every report up front. Portability carries your continuity if you keep renewals unbroken.
  

Add ons that help after a correction

• Room rent upgrade if big city care is likely.
  
• Restore or refill if your condition can cause repeat admissions.
  
• pre-existing diseases buyback rider where available, to shorten waiting for the disclosed condition.
  

Paper trail discipline

• Keep every email, ticket, and new policy schedule in one folder.
  
• Save a running health summary and update it twice a year.
  
• Share the same clean pack with any new insurer. Consistency builds trust.
  

Sharmaji tip

Mistakes become problems only when we hide them. Put your truth on paper. Most files settle faster than your worry.

Filing A Claim When You Have A pre-existing diseases

Claims settle faster when your hospital file, insurer file, and health story match word for word. Speak early. Share clearly. Keep copies.

Before admission

• Keep these handy. E card, photo ID, policy schedule, previous policy copies, your one page health summary, key reports.
  
• Tell the hospital TPA desk about your disclosed conditions. Hand them your summary and any endorsement letter.
  
• For planned surgery, send pre authorization papers in advance with your doctor’s estimate and clinical notes.
  
• For emergencies, stabilize first, then call the insurer helpline from the ward and email your documents.
  

At admission

• Ensure the pre authorization form lists your known conditions exactly as disclosed.
  
• Ask the doctor to write a clean clinical note. Present complaint, diagnosis, plan, and a line on known stable conditions.
  
• Share old reports that prove stability. Latest HbA1c, BP logs, ultrasound, or echo as relevant.
  

Sample one line declaration you can give the TPA

I have diabetes since August 2016, on metformin 500 mg twice daily. Latest HbA1c July 2025 is 6.4. Current admission is for acute appendicitis, not related to diabetes. Attached reports confirm control.

During hospitalization

• Respond to every query the same day through the hospital TPA desk.
  
• Keep answers short and factual. Attach proofs each time.
  
• If a query suggests non disclosure, give your earlier endorsement email and doctor letter. Ask the TPA to upload both.
  

At discharge for cashless

• Review the final bill. Check room rent, procedure codes, pharmacy items marked non payable, and any proportionate deduction.
  
• Collect. Discharge summary, final bill, bill break up, prescriptions, investigation reports, implant stickers if used, payment slips for any co pay or consumables.
  
• Ask for a stampre-existing diseases copy set before you leave.
  

If cashless is denied

• Ask for the denial note in writing with the reason and policy clause.
  
• Pay the hospital, keep every receipt, and file a reimbursement claim with the same documents plus the denial note.
  
• If the reason is waiting period for your pre-existing diseases, reimbursement will mirror cashless. Still submit and get a formal decision for record.
  

Reimbursement claim pack

• Claim form signed by you and the hospital.
  
• KYC documents and cancelled cheque.
  
• Discharge summary and all bills with break up.
  
• All lab and imaging reports.
  
• Doctor prescriptions with purchase bills attached.
  
• Your one page health summary and pre-existing diseases endorsement if any.
  
• A short covering letter that maps documents to events by date.
  

How to answer claim queries

• Start with the insurer ticket number.
  
• Reply in bullets. Each point ends with an attachment name.
  
• Quote dates and report names.
  
• End with a calm line. Please let me know if any other document is needed.
  Keep emotion out. Let documents speak.
  

Sample query reply text

Regarding your question on diabetes history. Diabetes since August 2016, on metformin 500 mg twice daily. HbA1c July 2025 is 6.4 attached. No prior admissions for diabetes. Current admission is for appendicitis. Surgeon note dated 09 July 2025 attached. Kindly review.

If a deduction looks unfair

• Ask for a settlement sheet that lists the exact clause for each deduction.
  
• Write back with counter proofs. For example, if they applied room rent proportionate deduction incorrectly, attach policy wording and the room category proof from the hospital.
  
• Request a written review and a fresh settlement sheet.
  

Escalation ladder when stuck

• Hospital TPA coordinator and floor manager.
  
• Insurer claim manager on email with your ticket number.
  
• Grievance officer of the insurer with a clear subject line and a full document set.
  
• If unresolved, move to the external forum that covers your region. Share all emails and the settlement sheet. Keep your cover active while you pursue the dispute.
  

Small habits that make big claims easy

• Keep every report and bill scanned the same day.
  
• Maintain a running expense sheet with dates and heads.
  
• Save every email in one folder.
  
• Ask for every promise or refusal in writing.
  

Sharmaji tip

Your strongest tool is alignment. What you told at proposal, what your doctor writes, and what you submit in claims must match. That harmony pushes files forward.

Sharmaji’s 10 Golden Rules For Clean Disclosures

 Memorize these. Share with family.

1. Tell the whole truth once. Everywhere.
Proposal, endorsement email, hospital notes. Same story, same dates.

2. Build a one page health summary.
Conditions, medicines, tests, admissions. Keep it updated and carry it to the hospital.

3. Disclose anything with a diagnosis, a long pill course, or an admission.
If a doctor named it or you swallowed tablets for weeks, write it down.

4. Use medical names and dates.
Diabetes since 2016 is clear. Sugar problem is not.

5. Keep tests fresh.
If your last key blood work is older than six months, repeat it before proposal or portability.

6. Never sign a form you did not read.
Sit with the form line by line. Keep a copy of the exact version you submitted.

7. Fix gaps by endorsement, not by silence.
A short email with proofs today is better than a claim fight tomorrow.

8. Keep renewals unbroken.
Continuity powers waiting and moratorium. Set reminders and pay early.

9. Carry your file to the hospital.
E card, ID, policy, health summary, key reports. Hand them to the TPA desk at admission.

10. Ask for every decision in writing.
Pre auth approvals, denials, exclusions, settlement sheets. File them neatly.

Navigating these rules alone can be hard and trusted help changes outcomes. A good advisor makes sure your form tells the same story as your medical file, your hospital notes, and your claim. No gaps. No surprises.

That’s why Sharmaji and the team at SMNICS focus on explaining your coverage, reviewing your disclosures, and ensuring your policy is a true shield for your family.

A trusted agent explains all this before the policy proposal is signed. That is why it helps to have Sharmaji from SMNICS as your insurance partner.

Ready for clarity? Share your policy schedule, your proposal copy, and your one page health summary. Sharmaji will review it line by line and tell you exactly what to endorse, what to keep, and what to skip. No pressure to buy. Only peace of mind.