Distroo IMF Pvt. Ltd. is an Insurance Marketing Firm (registration with IRDAI in process) based in Pune. Through trained Advisors, we help individuals, families and businesses understand and choose Life, Health, Motor and SME insurance from partner insurers, and we support them with servicing, claims assistance and renewals.
Life and term insurance, health insurance, motor insurance and SME or business insurance, along with related covers such as critical illness and personal accident, from partner insurers. Product terms, premiums and underwriting are decided by each insurer.
Fill in the Advisor enquiry form on the Growth Desk or Contact page, or write to contact@distroo.in. Our team will explain the eligibility, the training and examination required to work as an Insurance Sales Person, and the support available through the Growth Desk.
An Insurance Marketing Firm is an entity that operates under the IRDAI framework to market and distribute the insurance products of partner insurers through trained Insurance Sales Persons. It is not an insurer, and it does not underwrite risk or decide claims.
Your Advisor can explain suitable options from partner insurers side by side, covering premium, coverage, exclusions and the claim process, so that you can make an informed choice. Distroo is not an online comparison website, and the final decision is always yours.
Advisors explain policy terms, exclusions and premiums before you buy, and share documents in writing before the policy is issued. We follow a needs-first approach, and we tell customers that insurers remunerate distributors as per regulations. Your premium is the same either way.
Contact your Distroo Advisor, call +91 98346 16517 or write to contact@distroo.in. We help with document collection and follow-up with the insurer or TPA. For an emergency, also inform your insurer using the number on your policy document.
It varies by insurer and type of claim. IRDAI's rules set time limits for insurers to settle claims once they have all the documents, and interest can apply on delay in certain cases. For cashless health claims, IRDAI's 2024 master circular expects a decision within one hour and final authorisation within three hours of the discharge request. Your Advisor follows up and keeps you updated.
Term insurance gives pure life cover for a fixed period at a lower premium, which is why it is widely used to replace income. Whole life insurance covers you for life and usually has a savings value, at a higher premium. Your Advisor helps you choose based on your goals, dependants and budget.
Premiums depend on factors such as age, health history, sum assured, policy term, occupation and lifestyle habits. Each insurer uses its own pricing. Your Advisor can explain the premium for the options you are considering.
Most policies give a grace period after the due date, commonly 30 days for life and health policies (15 days for monthly mode). If the premium is not paid within it, the policy may lapse and you may need to revive it, subject to the insurer's conditions. Distroo sends renewal reminders, but please also check your policy for the exact terms.
Contact your Advisor or write to contact@distroo.in. Your Advisor reviews the renewal terms with you, checks for changes in premium or conditions, and helps with the process. You pay the premium directly to the insurer through its official channels.
Yes. Distroo helps businesses with SME insurance, including group health insurance for employees. Features such as maternity cover, pre-existing conditions and the minimum group size depend on the insurer and the plan, and your Advisor will explain them.
Critical illness cover pays a lump sum when a listed condition such as cancer, heart attack or stroke is diagnosed and meets the policy definition. Unlike health insurance, which pays treatment bills, the lump sum can be used as you choose, for example to replace income or repay loans. Primary earners often consider it.
Yes. IRDAI's portability rules let you move your health policy to another insurer at renewal and carry forward credit for waiting periods already served, subject to the new insurer's underwriting. Apply well before the renewal date. Your Advisor can help with the process.
We collect only the information needed to respond to you and to help with insurance services. Details are shared with insurers only with your consent and for the purpose of your policy or claim. We do not sell your data. Please read our Privacy Policy for details.
Eligibility and training are set by the applicable IRDAI framework for Insurance Sales Persons, including minimum age, education and a training and examination requirement. Our team will explain the current requirements when you apply. Prior experience in financial services is helpful but not essential.
The Growth Desk is Distroo's support layer for Advisors. It covers training, onboarding, lead handling, sales support, technology, claims assistance, renewal management and cross-selling support.
Yes. Our Advisors help families look at senior citizen health plans from partner insurers and explain waiting periods, co-payments, room rent limits and sub-limits, so that you know what to expect.
You can call +91 98346 16517, write to contact@distroo.in or use the enquiry form on our Contact page. Our office is at Ratandham Business Hub, Rajendra Nagar, Sadashiv Peth, Pune 411023. For claim-related queries, mention CLAIM in the subject line.