5-Step Guided Journey To The Right Protection
Buying insurance should not feel like guesswork. Your Advisor reads the policy wording with you, explains the fine print and matches the cover to the risks you actually face.
Profile & Risk Discovery
Your Advisor learns about your family, health background, existing cover, loans and goals to understand what you need to protect.
Options From Partner Insurers
Based on your needs, your Advisor shortlists suitable plans from partner insurers and looks at coverage, networks, claim process and service.
Fine-Print Transparency
You see every sub-limit, room rent cap, waiting period and co-payment term explained in simple language before you decide.
Riders & Premium Review
Add only the riders that serve a real need, such as critical illness or zero depreciation, so you do not pay for features you will not use.
Assisted Purchase & Documents
Your Advisor helps with the proposal and KYC. The insurer issues the policy, and your Advisor explains the documents and helps you keep them organised.
Human Advice. No Pressure.
Our Advisors explain the options. The decision stays with you.
Insurance advice built for the long term.
Many people buy insurance through a phone call or a web form and discover a room rent cap or an exclusion only at claim time. Distroo pairs you with an Advisor who explains the terms before you buy and stays available for servicing, claims assistance and renewals afterwards.
Key Advantages
- Options Explained Side by Side
- Clear Terms, No Spam
- Help During Claims
Founded by leaders from insurance distribution and wealth management, with 40+ years of combined experience.
Book a One-on-One Insurance Consultation
Discuss your health background, dependants and goals with a Distroo Advisor.
Get Your Existing Policy Reviewed
Share your policy schedule. We will help you spot room rent caps, sub-limits and co-payments.
Checklist for Insurance Assistance
Having these details ready helps your Advisor explain suitable options.
Family Demographics & Ages
Dates of birth for all family members to be covered under the policy.
Medical History Disclosures
Brief notes on existing conditions (diabetes, hypertension) to check waiting periods.
Existing Policy Copy
Current policy schedule to assess continuity credits or porting benefits.
Target Budget & Sum Insured
Estimated annual premium preference and preferred protection amount.
Preferred Hospital Networks
City or local hospital preferences to confirm cashless empanelment.
Aadhaar & PAN Details
ID and address proof for KYC, as required by the insurer.
Completed Proposal Form
The proposal declaration, reviewed with your Advisor before you sign.
Direct Insurer Payment
Premium is paid directly to the insurer through its official channels. Distroo never asks you to pay premiums to a personal account.
Underwriting & Medical Checks
If the insurer asks for medical tests, your Advisor helps coordinate them.
E-Policy Schedule Delivery
Final policy schedule issued with advisor servicing contact attached.
The consultation is free, with no obligation to buy.
Make sense of your insurance options.
Start with your needs.
Who needs protection?
Calculate true requirements for parents, spouse, children, or business.
What limits matter most?
Identify room-rent caps, critical illness riders, and zero-dep features.
What should you avoid?
Avoid proportionate deduction traps and non-medical billing cuts.
What fits your budget?
Find a premium that fits your budget without leaving important gaps.
Assistance Across All Protection Lines
From personal health and life cover to business insurance, your Advisor guides you across the four lines Distroo works with.
Health & Life Advisory
Individual and family floater health plans, term insurance and critical illness riders, matched to your family's goals.
- Needs-based life cover estimate
- Room rent and co-pay clauses explained
- Restoration and other benefits compared
Motor & Mobility Cover
Car, two-wheeler and commercial vehicle insurance guidance, with add-ons such as zero depreciation and roadside assistance explained.
- Renewal reminders and help to renew on time
- Help understanding No Claim Bonus when you change insurer
- Guidance on garage networks and cashless repairs
SME & Business Shield
A review of business risks such as buildings, stock, machinery, liability and employee health.
- Fire, burglary, flood and cyber risk covers
- Group health cover for employees
- Key person and partnership structures
Talk to a Distroo Advisor today
Schedule a confidential consultation with no obligation. We review your existing policies, point out gaps and explain options from partner insurers.
Frequently Asked Questions on Insurance Assistance
Everything you need to know about getting guided advisory with Distroo.