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Terms of Use

Swastik Financial is an insurance advisory intermediary. Content on this website — including plan summaries, benefit tables and estimator tools — is provided for informational purposes to help you compare options, and does not constitute a policy document or binding quotation.

All product names, UINs, benefits and figures are sourced from the respective insurers' official brochures at the time of publishing and are subject to change by the insurer without notice. Please verify current terms with the insurer's official sales brochure before concluding a purchase.

Insurance is a subject matter of solicitation. Final policy issuance is subject to underwriting by the respective insurance company.

Privacy Policy

We collect only the information you voluntarily provide through our enquiry forms, calculators, WhatsApp chats or email — typically your name, contact number, age, and coverage requirement.

This information is used solely to provide personalised plan recommendations and quotations. We do not sell your contact information to third parties. Information shared with an insurer is limited to what's necessary to process your specific enquiry, with your consent.

Disclaimer

Insurance is a subject matter of solicitation. The premium estimates, eligibility results and comparison figures shown on this website (including our Free Tools) are indicative only, generated for quick reference, and are not a substitute for an official quotation from the insurer.

Swastik Financial does not guarantee policy issuance, claim approval, or final premium — these are solely at the discretion of the respective insurance company subject to underwriting.

Please read the individual policy wordings and sales brochures carefully before concluding a sale. For complete terms, conditions, waiting periods and exclusions, refer to the insurer's official documentation, linked/referenced on each plan page.

Advisory Disclosure

Swastik Financial acts as an intermediary connecting customers with health insurance products from multiple insurers, including Star Health & Allied Insurance, Niva Bupa Health Insurance, and Care Health Insurance.

We may receive standard commission from insurers for policies sold through our advisory, as is standard industry practice for licensed intermediaries. This does not affect the premium you pay, and our recommendations are based on your stated requirements, not on commission differences between products.

Grievance Redressal

If you have a concern regarding advice given, service experience, or a query about a policy purchased through Swastik Financial, please reach out to us directly at services@swastikfinancial.com or WhatsApp +91 99302 84007, and we will respond within 2 business days.

For claim-related grievances, please also refer to the concerned insurer's official grievance redressal mechanism as detailed in your policy document, or the IRDAI Grievance portal (Bima Bharosa) for unresolved matters.