Unbiased Insurance Advice

When you buy directly from an insurer’s website, you only see one company’s products. With Algates Insurance, you compare plans from multiple insurers side-by-side and get unbiased advice. We also provide free lifetime claim assistance, ensuring you have support when you need it most.

No, our services are completely free. We earn a commission from insurers when you buy through us. You get expert guidance, multi-insurer comparison, and lifetime claim support at no extra cost.

We specialise in three categories:

• Term Insurance: Life protection for your family’s financial security
• Health Insurance: Medical coverage for individuals, families, and senior citizens
• Annuity Plans: Retirement income solutions

We help you select the right policy, calculate adequate coverage, and guide you through the buying process.

We start with a free consultation to understand your needs, then calculate your actual coverage requirements. We shortlist 2-3 suitable plans from different insurers, explain the pros and cons of each, and help you choose the policy that offers the best value for your situation.

Yes, absolutely. We advocate for you throughout the claim process, coordinating with insurers, handling documentation, and ensuring smooth settlements. This support is free for the entire policy duration, whether it’s a term insurance claim or health insurance hospitalisation.

Yes. We can review your existing policy for coverage gaps, and explain your policy terms. If needed, we can also guide you on porting to a better plan or making changes during renewal.

We’re founded by Nidhi Verma, a part-qualified actuary with experience at SBI Life and Swiss Re. We’re IRDAI-registered (IMF code: IMF187250600920210470) with certified insurance experts on our team. We’ve helped hundreds of families secure their financial future with transparent, unbiased advice.

Typically 7-30 days from consultation to policy issuance:

• Initial consultation: 30-45 minutes
• Policy selection: 1-2 days
• Application and medical tests: 3-7 days
• Approval: 5-30 days, depending on the plan

For simpler cases without medical tests, it can be completed in 3-5 days.

It’s a free tool that analyses your health insurance policy. Enter your insurer and policy details to get a breakdown of coverage, exclusions, waiting periods, claim settlement ratio, and pros/cons. It helps you decide whether to buy, renew, port, or upgrade.

Yes. Book a free, no-obligation call through our website or WhatsApp us. Our IRDAI-certified experts will understand your needs, answer your questions, and provide personalised recommendations. There’s no pressure to buy.

We operate pan-India. While our office is in Bangalore, we serve customers across all states through digital consultations via phone, WhatsApp, or video call. Documentation, medical tests, and policy issuance are handled online or at your location through our partner insurers’ networks.