Finior Financial-Planning for Life and Business

Health Insurance

Secure Your Health, Safeguard Your Savings
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Why you need Health Insurance

Being sick and hospitalised isn’t a pleasant experience. Add to that, the stress of paying hospital bills on time. That’s a recipe for disaster.

A comprehensive health insurance plan is the best way to cover your expenses. But knowing which one is the right one for you and your family is crucial.

That’s why we keep our consultations short and sweet. Just answer a few questions that give us a background on you, and we will give you the best solution for your situation.

What people say

In today's scenario, advisership runs only knowledge & commitment to the business. Shirish is one of that kind. Highly committed, knowledgeable & can be blindly believed in. In simple words, he is MADE FOR THIS INDUSTRY.
- Kiran Prasad (AVP, Aditya Birla Sun Life Insurance)
I have been associated with Shirish bhai for over 15 years and he has provided invaluable advice and financial management for these years . I find his advice to be clear, especially in layman's terms. He sets out the options, allowing people to make their own decisions based on his sound advice.

would wholeheartedly recommend Shirish bhai to anyone who is need of financial services. SVP And Head Revenue Assurance and Policy Servicing.
- Mr. Vikas Khanna (ABSLI)
Post Covid the Scenario is different, people want to invest, open for discussions about Insurance Investments.
But, because of unrestricted exposure to digital media, investors fail to decide through whom to invest, an individual/expert or online which attracts people by the word DISCOUNT.
In such scenario, Mr. Vora walks in. He not only shows empathy towards helping every individual he meets in growing their hard earned money with the abundant knowledge he has, but also, stays ahead in matters of any service requests at any given point of time. This is a sheer lacking in other investment platforms & also, many others individual available in the Industry who pretend to have knowledge & the will to help. The accolades he has garnered till date speaks volumes as a proof of his calibre.
I would always URGE people to meet Mr. Vora ones, to actually acknowledge what I have written in my testimony.
Wishing him all the luck, God give him enough & more strength to serve many many more in the days to come.
- Mr. Kiran Prasad (Nirma)
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FAQs

Q: Why should i buy health insurance?

A: Health insurance serves as a safeguard for your savings, preventing potential hospitalization expenses from undermining your financial planning. Without it, unexpected health issues could significantly deplete your retirement funds.

Q: How much health insurance I should buy for myself, my spouse and my two kids ages 2 and 5?

A: Every family has unique needs, making it crucial to carefully consider the amount of coverage necessary to prevent financial strain in the event of hospitalization. It’s important to select a sum insured that covers potential medical costs without jeopardizing your financial stability, taking into account medical inflation to ensure adequate protection.

Q: What are the benefits of buying health insurance?

A: Health insurance protects your savings from medical and hospitalization expenses, ensuring that your financial planning remains intact in such events. It enables access to top healthcare facilities without the burden of costs and additionally offers tax benefits.

Q: What should I know before buying a health insurance policy?

A: It is important to review key insurance plan features such as co-payment requirements, room rent caps, disease-specific sub-limits, waiting periods, coverage for pre and post-hospitalization, health check-up provisions, and calculations for no-claim bonuses.

Q: What if I already have another health insurance policy with another company?

A: Many individuals have health insurance, but the crucial issue is whether the coverage is sufficient and appropriate for your family’s needs. Equally important is ensuring that all relevant information is disclosed fully and accurately on the application forms. Often, people overlook this aspect, leading to claims rejections due to material non-disclosures at critical times. Book a free consultation with us to ensure your coverage meets your needs. 

Q: I have purchased a health policy from one of my family members who is an Insurance Broker. Why should I switch?

A: Not all insurance brokers are well versed with the ins & outs of an Insurance Policy. Also, it’s in the interest of the insurance companies to keep their brokers from knowing nitty gritty. You may not have to switch your insurance if you have a good one. But isn’t it better to know earlier than later if you have a bad one?

Book a free consultation with us.

We promise to tell you the truth, irrespective of whether it’s advantageous to us or not.

Q: I have an old policy with accumulated Bonus. Can it be transferred to a new insurance company?

A: Yes, you can PORT the policy subject to the new insurance company accepting your proposal. However, it’s better you speak with us to confirm if that is possible for your specific policy.  Book a free consultation with us.

Q: What if the premium you suggest is too high?
A: That’s why we prefer to consult with you before we give you solutions. We are real people behind the solutions we offer, we are not an automated bot or a faceless platform. We only suggest premiums to you that you can afford and will be able to sustain over a period of time.
Q: What if I have more questions?
A: For us, advising and looking after our clients’ best interest is our focus. Pick up the phone, call or whatsapp us for any questions you have. We are here to serve you. Book a free consultation here or Whatsapp us.
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As Business Development Executive at Finior Financial, Kavit Vora specializes in developing and implementing effective growth strategies that drive the company’s success. His role involves identifying new business opportunities, forging strategic partnerships, and ensuring seamless execution of growth initiatives.

Having successfully passed the CFA Level 3 exam, he has significantly enhanced his analytical skills and gained in-depth experience in economics. By analyzing financial data and conducting thorough market research, Kavit contributes to clients’ success.

At Finior Financial, he is committed to delivering value through innovative solutions and strategic foresight.

Creating long-term growth, establishing strong client relationships, and positioning the company as a leader in the financial services sector are his goals.

Mr. Aashish A. Write up comes here. stands as a trailblazer within the Chartered Accountancy field in India. With a career spanning more than 25 years, his unwavering dedication revolves around providing top-tier professional services while upholding the profession’s ethical standards and code of conduct. Grounded in these principles, he consistently pushes boundaries and strives for growth, aiming not just to meet but to surpass expectations in every endeavor.

Shirish Vora, an AMFI registered mutual fund distributor, has dedicated his career to empowering clients with tailored insurance and investment solutions. With a profound commitment to understanding his clients’ financial landscapes—be it in their business ventures or personal lives—he navigates challenges alongside them, ensuring a comprehensive grasp of every product before recommending investments.

As a seasoned Financial Consultant at Aditya Birla Sun Life Insurance Company Limited (ABSLI) for over 22 years, Shirish’s expertise is underscored by his membership in the prestigious ‘Million Dollar Round Table’ (MDRT). This exclusive affiliation, bestowed upon the world’s top financial advisors, solidifies his reputation as a beacon of excellence in life insurance and financial services. Demonstrating unwavering dedication, Shirish has repeatedly achieved accolades such as Court of the Table (COT) recognition eight times consecutively and reaching the prestigious Top of the Table (TOT) status in 2017, reflecting his unparalleled commitment to client satisfaction and financial acumen.