Thodu helps you understand and choose the right health and life insurance for your family. We explain everything in simple language and support you during claims, paperwork and hospital processes. Our goal is to be your insurance companion and not a salesperson.
No. All our consultations are completely free. We earn a standard commission from insurers and we negotiate the same commission across companies so our advice remains unbiased.
Never. We know how frustrating insurance spam can be. We contact you only when you request it and only at the time you prefer.
Most agents push plans based on the commissions they earn. We do not follow that model. Since our commission is the same across insurers, our recommendations are honest and focused on what is right for your family. We also provide on ground claims support and help with claim disputes, which most advisors do not offer.
When you buy a policy through us, the insurer pays us a commission. Your premium does not increase because of this.
Yes. We can review your existing policy and highlight important points such as room rent limits, sublimits, waiting periods, exclusions and consumables cover. Many people are unaware of these until a claim is rejected.
Yes. This is one of our core services. We assist with cashless approval, required documents, communication with the hospital and insurer and escalation support. In situations where you need it, we can also provide help in person.
We help you understand the reason and guide you through the right next steps. This includes re submissions, written clarifications and escalation to the insurer and Ombudsman if required. We can also help you access legal support.
We work with multiple leading health and life insurers in India.
Yes. We advise customers across India and also NRIs who want to buy insurance for themselves or their parents.
You can click the “Talk to an Advisor” button on the website. We respond quickly and always at your convenience.
Yes. We take privacy seriously and do not share your information with anyone except the insurer you choose. We never use your number for marketing or spam.
Yes. We help find the right plans for parents and guide families through pre-existing diseases related rules, waiting periods and claims. Parents often need the most support and we are here for that.
Yes. We help you choose plans that accept these conditions without unfair restrictions. We explain waiting periods, co pays, loading and the safest options for long term protection.
We provide you with simple instructions on how to lodge a claim. Alternatively, you can call us anytime. We will guide you step by step and help coordinate with the hospital for cashless approval or reimbursement support.
