Term plans
A term plan is pure protection. It pays a benefit to your family if the policyholder passes away during the policy term.
Protect · Insurance
Insurance is there for the bad day, so the details matter: what is covered, what is excluded and how claims work. Wethonic works with leading insurers, including Star Health, HDFC Life and ICICI Lombard, and helps you compare options and choose a policy suited to your life stage and goals. We act as an insurance distributor, under IRDAI guidelines.
- 01 Life, health and term plans from multiple insurers
- 02 Possible tax benefits on eligible premiums
- 03 Claim assistance and renewal reminders
Insurance at Wethonic
What you get with Insurance.
Life, term, health and critical illness cover from leading insurers. We help you compare plans, understand exclusions and stay supported through renewals and claims.
Health insurance
Health cover helps with hospitalisation and medical expenses, including cashless treatment at network hospitals.
Life and critical illness cover
Life plans and critical illness cover are available from leading insurers. Features and exclusions vary from plan to plan.
Side-by-side comparison
Compare cover, exclusions, waiting periods and premiums across insurers before you decide.
Claim help and renewal reminders
We help with claim documentation and follow-up, and remind you before your policy is due for renewal.
How it works
From first call to first investment.
- 01
Share your situation
Tell us about your family, income, loans, existing cover and health, so that we understand what you need to protect.
- 02
Compare plans
We lay out options from different insurers side by side: sum insured, exclusions, waiting periods, premium and claim process.
- 03
Apply with accurate details
Disclose your health history and lifestyle truthfully. Non-disclosure of material facts can lead to a claim being rejected.
- 04
Stay supported
Get renewal reminders and help with documentation if you ever need to claim.
How it works at Wethonic
Wethonic works with leading insurers. We start with your situation, meaning your family, income, loans and existing cover, and then help you compare plans side by side: sum insured, exclusions, waiting periods, premiums and claim process. After you buy, we send renewal reminders and help with claim paperwork.
What to keep in mind
- Disclose your health history and lifestyle accurately. Non-disclosure can lead to a claim being rejected.
- Cover is only as good as its terms. Read the exclusions, waiting periods and sub-limits.
- A term plan is pure protection. A health plan pays for medical expenses. They do different jobs.
- Premiums are usually lower when you are young and healthy.
- The insurer, not Wethonic, decides every claim as per the policy terms.
Tax benefits
Premiums may qualify for tax deductions under the old tax regime, within the limits set by law. The benefit depends on your own tax position, so confirm it with your tax professional.
FAQs
Have questions? Find your answers here.
What types of insurance do you offer?
Life insurance, health insurance, term plans and critical illness cover from leading insurers. Wethonic acts as an insurance distributor under IRDAI guidelines.
Are these policies tax-saving?
Premiums for life, term and health cover may qualify for deductions, subject to the conditions and limits in the law. These deductions apply under the old tax regime. Tax laws can change, so confirm with your tax professional.
Will Wethonic assist with claims?
Yes. Our team guides you through the documentation and follow-up. The insurer assesses and settles every claim as per the policy terms and conditions.
Should I buy term or health insurance first?
It depends on your situation. Many people begin with health cover because medical expenses can arrive without warning. If others depend on your income, term cover matters just as much. Our article on term versus health insurance explains both.
What should I check before buying a policy?
Look at the sum insured, exclusions, waiting periods, sub-limits, co-payment and the insurer’s claim process. Read the policy wording and sales brochure carefully before you buy.
Please note: Insurance is the subject matter of solicitation. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. Cover, premiums and benefits are as per the policy issued by the insurer. Tax benefits are subject to the tax laws in force, which may change.
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