Frequently Asked Questions

Life insurance provides financial protection to your family if the policyholder passes away during the policy term.

We offer Term Plans, Whole Life, Endowment, Money Back, Child Plans, Pension Plans, and ULIPs.

A common guideline is 10–15 times your annual income, adjusted for liabilities and family needs.

Yes — common riders include Accidental Death, Critical Illness, Permanent Disability, and Waiver of Premium.

Typically: ID proof, address proof, income proof, and passport-size photo. Additional medical tests may apply.

Hospitalization, surgery, medicines, diagnostics, pre- and post-hospitalization costs, and specified daycare treatments.

A waiting period (often 30 days) applies before certain benefits start; pre-existing condition waiting varies by plan.

One policy that covers all family members, sharing the sum insured among them.

Treatment at network hospitals where the insurer settles the bill directly, subject to terms and pre-approval.

Yes — renewals are available online via our portal or through WhatsApp/email assistance.

Yes — at least third-party motor insurance is mandatory under Indian law.

Third-party cover, Comprehensive policies, and add-ons like Zero Depreciation, Engine Protect, and Roadside Assistance.

Report to Dusha Insurance immediately, provide accident details and documents, and we'll guide the claim process and repairs.

Yes — NCB can usually be transferred to a new vehicle registered in your name.

Yes, comprehensive plans typically cover theft, fire, and natural disasters as per policy terms.

Track online via our portal, or contact our support team through email or WhatsApp for status updates.

Settlement time varies but generally takes 7–15 working days after submission of required documents and insurer approval.

You can pay within the grace period. Post-grace period, revival may require medicals or additional documentation.

Yes — submit a written request or email and we'll update your policy records after verification.

Yes — you can cancel within the free-look period (typically 15 days) subject to policy terms; surrender rules apply later.

Payments are processed via secure third-party gateways; we do not store your banking credentials.

Yes. Active policies and purchase confirmations are available for download from your email or our portal.

No — online calculators provide indicative quotes. Final premium depends on insurer underwriting and your personal details.

Yes — instant support and quote follow-up is available via WhatsApp and email.

Yes — we send renewal reminders via SMS, email, and WhatsApp.

We aim for transparent pricing. Advisor fees, if any, will be clearly communicated before service.

Yes — our advisors provide tailored recommendations based on your age, income, dependents, and goals.

Yes — we provide group health, group life, and employee benefit solutions for SMEs and organizations.

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