Protection & Legacy
Risk transferred at the scale of real obligations, so that a single event never forces a family to unwind the position it spent a generation building.
The usual question is how much premium someone is willing to pay. That is the wrong starting point. The right one is what would actually have to be met if income stopped tomorrow: dependants, an outstanding loan against a property, a business that owes salaries, an estate that owes duty before anything can be distributed.
We total those obligations, subtract what is already liquid, and the difference is the cover. Everything above that is somebody's commission. Everything below it is a gap the family will discover at the worst possible time.
What we place
Every line below is placed across multiple insurers and compared on wording and claim record, not on premium alone. Ask about any one of them directly.
The one nobody should be without. Family floater or individual, sized against real hospitalisation costs in your city, with the room-rent and co-pay clauses read to you before you sign rather than at claim time.
Ask about health coverPure protection, sized to what your family would actually need if your income stopped: liabilities cleared, dependants supported, and your parents included in the calculation rather than assumed away.
Ask about term lifeA lump sum on diagnosis, which health cover does not provide. It replaces income through treatment and recovery, when the bills that hurt are the ones no hospital invoices you for.
Ask about critical illnessComprehensive cover for premium, luxury and SUV vehicles, including zero-depreciation and engine protection where the vehicle warrants it. Competitive premiums across insurers, and a claims process we handle for you.
Ask about motor coverMedical emergencies abroad, where a single admission can cost more than the trip. Also covers trip cancellation, delay and lost baggage, and meets visa requirements where proof of cover is mandatory.
Ask about travel coverStructure and contents against fire, burglary and natural catastrophe, plus the general lines a household or small business needs. Quiet cover for what you have already built.
Ask about general coverInsurance is the subject matter of solicitation. Cover, exclusions and waiting periods are governed entirely by the policy wording issued by the insurer. Nothing above is a quotation or an assurance that any particular claim will be admitted.
Claims
Selling a policy takes an afternoon. Settling a claim takes documentation, persistence and somebody who knows which clause is being relied on and why.
We prepare the file, submit it, and stay on it through queries and re-submissions until it is settled or formally declined with reasons. If it is declined, we tell you plainly whether the ground is sound and what the escalation route is, including the insurer's grievance process and the Insurance Ombudsman.
We do not promise an outcome on any claim. We promise that you will not be handling it by yourself.
Obligations totalled, existing cover and liquid assets deducted, and the gap quantified in writing before any product is discussed.
Compared on claim settlement record, solvency, the wording of the exclusions and the practical experience of claiming, not on the headline premium alone.
Medical history and material facts declared completely at the proposal stage. Non-disclosure is the single most common reason a claim is repudiated years later.
Cover revisited when income, borrowing, dependants or the structure of the estate change, so the sum insured does not quietly fall out of step with the obligation.
Regulatory. Insurance is the subject matter of solicitation. Satvik Avaas places cover with IRDAI-licensed insurers. Licence and agency registration details: [OWNER TO PROVIDE]. The benefits payable under any policy are limited to those set out in the policy document, including its exclusions, waiting periods and limits.
On unit-linked plans. A unit-linked insurance plan is an insurance contract carrying a life cover component. It is not an investment product and is not presented as one. Where any guarantee is offered within a policy, its conditions and its cost are disclosed to you in full before purchase.
Enquiries
Send us the policies currently in force. We will tell you where the real gap is, and where you are paying for cover you do not need.