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SubhNex Services
Insurance Services
Life, Health, General & Specialty Insurance — SubhNex helps you choose the right plan from leading insurers. Protect your life, health, assets, and future with expert guidance.
3000+
Policies Issued
15+
Insurer Partners
4
Insurance Categories
24hr
Policy Issuance
5+
Years Experience
Insurance Categories
All Insurance Solutions at SubhNex
From life protection to crop insurance — SubhNex offers expert guidance across all 4 major insurance categories. Click any plan card below to view complete details.
❤️
Life Insurance
3 Plans Available
🏥
Health Insurance
3 Plans Available
🛡️
General Insurance
5 Plans Available
🌟
Other Insurance
3 Plans Available
❤️ Life Insurance
Financial security for your family — income replacement and wealth creation combined
🛡️
Term Insurance
Pure life cover — highest sum assured at lowest premium. Protects your family's financial future if something happens to you.
Pure ProtectionHigh Cover, Low PremiumTax Benefit 80CCritical Illness Rider
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💎
Endowment Plans
Savings + life cover — get a lump sum on maturity or death benefit for your family. Best of both insurance and investment.
Guaranteed ReturnsDeath + Maturity BenefitTax BenefitBonus Addition
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👶
Child Plans
Secure your child's education and future with a dedicated plan that ensures funds are available even in your absence.
Education FundWaiver of PremiumMilestone PayoutsTax Benefit
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🏥 Health Insurance
Medical coverage for hospitalization, surgery, and critical illness — for individuals and families
👨👩👧
Family Health Insurance
One plan covering your entire family — cashless hospitalization, pre & post medical expenses for all members under one premium.
Floater CoverCashless HospitalPre & Post HospitalizationNo Claim Bonus
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🏃
Individual Health Plans
Dedicated health coverage for a single individual with higher sum insured options and specialized benefits.
Personal CoverHigher Sum InsuredCritical IllnessOPD Cover
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👴
Senior Citizen Plans
Specialized health insurance for individuals above 60 years — designed for age-related illnesses with wider coverage and lower waiting periods.
Age 60-80 yrsPre-Existing CoverageDomiciliary CoverAYUSH Treatment
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🛡️ General Insurance
Protect your vehicles, business, and property from unexpected damages and losses
🚗
Motor Insurance
Comprehensive or third-party car insurance — legally required and financially essential for every car owner.
Mandatory by LawOwn Damage CoverThird Party LiabilityCashless Garage
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🏍️
Bike Insurance
Two-wheeler insurance for bikes and scooters — comprehensive coverage against accident, theft, fire, and third-party liability.
Mandatory TP CoverTheft ProtectionAccident CoverLow Premium
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🚛
Commercial Vehicle Insurance
Insurance for trucks, buses, taxis, auto-rickshaws, and other commercial vehicles — protecting your livelihood.
Fleet PoliciesGoods in TransitDriver PA CoverBreakdown Assist
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🏪
Shop Insurance
Protect your shop, showroom, or office from fire, burglary, natural disasters, and liability claims with a comprehensive shop policy.
Stock ProtectionBurglary CoverFire & FloodPublic Liability
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🔥
Fire Insurance
Protect your building, factory, warehouse, or residential property from fire, lightning, explosion and allied perils.
Building + ContentsFire & LightningEarthquakeFlood & Storm
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🌟 Other Insurance
Specialty insurance for travel, accidents, and agricultural needs
⚡
Personal Accident Insurance
Financial protection against accidental death, permanent/temporary disability and medical expenses due to accidents.
Accidental DeathDisability CoverHospital CashLow Premium
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✈️
Travel Insurance
Comprehensive coverage for domestic and international travel — medical emergency, trip cancellation, lost baggage, and more.
Medical EmergencyTrip CancellationLost BaggageDomestic & International
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🌾
Crop Insurance
PM Fasal Bima Yojana and allied crop insurance schemes for farmers — protection against drought, flood, pest and natural calamities.
PM Fasal Bima YojanaDrought & FloodGovt. SubsidyKharif & Rabi
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Quick Comparison
Insurance Plans Quick Reference
| Insurance Type | Who Needs It | Coverage Amount | Tax Benefit | Claim Type |
|---|---|---|---|---|
| Term Insurance | Any earning individual with dependents | ₹25L – ₹5Cr+ | 80C & 10(10D) | Death Benefit |
| Endowment Plan | Those wanting savings + protection | ₹5L – ₹50L | 80C & 10(10D) | Death + Maturity |
| Child Plan | Parents with children below 12 yrs | ₹5L – ₹1Cr | 80C & 10(10D) | Milestone Payouts |
| Family Health (Floater) | Families of 2-6 members | ₹3L – ₹50L | 80D — up to ₹25K | Cashless / Reimbursement |
| Individual Health | Single person, any age | ₹2L – ₹1Cr | 80D — up to ₹25K | Cashless / Reimbursement |
| Senior Citizen Health | Age 60 to 80 years | ₹3L – ₹25L | 80D — up to ₹50K | Cashless / Reimbursement |
| Motor (Comprehensive) | All private car owners | IDV of vehicle | No direct benefit | Cashless Garage |
| Shop Insurance | Shopkeepers, traders, retailers | Stock + Building value | Business expense | Survey & Settlement |
| Personal Accident | Anyone doing physical/outdoor work | ₹5L – ₹1Cr | No specific benefit | Lump Sum / Weekly |
| Crop Insurance | All registered farmers | Per hectare (notified) | Govt. subsidized premium | Area-based Yield |
How It Works
Getting Insured Through SubhNex — 4 Easy Steps
1
Free Consultation
We understand your needs, risk profile, and budget — then recommend the most suitable insurance plan from multiple insurers.
2
Plan Comparison
We compare plans from 15+ leading insurers — premium, coverage, claim settlement ratio — to give you the best value policy.
3
Policy Issuance
We handle the complete application and documentation. Most policies are issued digitally within 24 hours of payment.
4
Claim Support
Our support doesn't end at policy issuance. We assist you through the claim process — documentation, submission, and follow-up.
Why SubhNex
Why Get Insurance Through SubhNex
Licensed Insurance Advisor
SubhNex advisors are licensed and certified — giving you unbiased recommendations based on your actual needs, not commission-based selling.
15+ Insurer Partners
We work with 15+ leading insurers — LIC, Tata AIA, HDFC Life, Star Health, New India Assurance — giving you the widest choice at best rates.
Best Premium Comparison
Same coverage can cost 30-40% less with the right insurer. SubhNex compares premiums and claim ratios so you always get the best deal.
Claim Settlement Assistance
When you need to file a claim, we're there — helping with documentation, coordinating with the insurer, and following up until settlement.
Renewal Reminders
We proactively remind you of upcoming renewal dates so your coverage never lapses. A lapsed policy can leave you unprotected at the worst time.
Tax Planning Integration
We help you structure your insurance portfolio to maximize tax deductions under 80C, 80D — turning insurance into a smart tax-saving tool.
FAQ
Frequently Asked Questions
What is the difference between Term Insurance and Endowment Plans?
Term insurance provides pure life cover — only a death benefit is paid to the nominee. It has no maturity value. Endowment plans provide both a death benefit AND a maturity benefit (lump sum on surviving the policy term). Term plans offer much higher cover at lower premiums, while endowment plans combine savings and protection.
How much health insurance coverage is sufficient for a family?
For a family of 4, a minimum sum insured of ₹5-10 lakh is recommended in tier-2 cities. With rising medical inflation (14-15% annually), ₹10-25 lakh is ideal. SubhNex helps you determine the right coverage based on your city, family size, existing health conditions, and budget.
Is motor insurance mandatory in India?
Yes. Third-party motor insurance is mandatory under the Motor Vehicles Act for all vehicles plying on public roads. Driving without third-party insurance can result in fines up to ₹2,000 and/or 3 months imprisonment. Comprehensive insurance (which includes own damage cover) is optional but highly recommended.
What is PM Fasal Bima Yojana and how to enroll?
PM Fasal Bima Yojana is a government crop insurance scheme that protects farmers against crop loss due to natural calamities. Farmers pay a very low premium (1.5-5% of sum insured) and the rest is subsidized by the government. SubhNex helps with enrollment, document submission, and claim filing for this scheme.
Can I get health insurance for my parents above 60?
Yes. Specialized senior citizen health plans are available for individuals aged 60 to 80 years. These plans cover pre-existing diseases after a waiting period, and you can claim up to ₹50,000 deduction under Section 80D for parents' health insurance premium. SubhNex helps you compare the best senior citizen plans.