🤖 AI INSURANCE ADVISOR

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Assistant – 24/7 Guidance

Get instant answers, compare policies, understand claims, and choose the best insurance plan with AI-powered assistance.

  • Instant insurance suggestions
  • Claim guidance & support
  • Policy comparison
  • Personalized advice
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SB Tech AI Advisor

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Hi 👋 I'm your AI Insurance Advisor. How can I help you today?

You can ask me about vehicle, health, life, or travel insurance — or get guidance on filing a claim.
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Smart Suggestions for You

Click any card to get an instant AI explanation and personalised recommendation.

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Vehicle Insurance

Cars, bikes, commercial vehicles

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Health Insurance

Cashless, family floater, critical illness

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Travel Insurance

International, Schengen, student, annual

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Life Insurance

Term, ULIP, endowment, whole life

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Knowledge Base

Insurance Simplified

Everything you need to know about insurance — explained simply and clearly.

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What is Insurance?

Insurance is a legal contract (policy) between you and an insurer, where you pay a regular premium and the insurer covers your financial losses from predefined risks — such as illness, accidents, death, or property damage. It provides a financial safety net for life's unexpected events.

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Types of Insurance

Life Insurance — covers death/disability benefit. Health Insurance — covers medical expenses and hospitalization. Vehicle Insurance — covers damage and third-party liability. Travel Insurance — covers emergencies, trip cancellation, and lost baggage abroad.

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How is Premium Calculated?

Your premium depends on: your age (younger = cheaper), the coverage amount (sum insured), your health history, policy duration, add-ons chosen, and claim history. No-claim bonuses can reduce your premium by up to 50% over time.

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Benefits of Insurance

✓ Financial protection for family & assets. ✓ Tax deductions under Section 80C & 80D. ✓ Cashless treatment at 10,000+ hospitals. ✓ Peace of mind during uncertain times. ✓ Covers legal liability to third parties. ✓ Builds long-term savings (ULIP/endowment).

Need Help With Claims?

Our AI guides you step-by-step through the claim process — from filing to settlement.
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AI Answers

Frequently Asked Questions

Click a question — get an instant AI-style explained answer.

The best plan depends on your life stage and needs. If you have a vehicle, start with comprehensive vehicle insurance. If you have family dependents, term life + family health floater is essential. If you travel frequently, annual multi-trip travel insurance saves money. For individuals in their 20s–30s, a pure term plan with a health plan is the best value combination. Want me to recommend something specific? Call us at +91 9022320866 for a free personalised assessment.
Great question! Here are proven ways to lower your premium: ✔ Buy early — younger age = lower health/life premium. ✔ Maintain a no-claim record — earn a No-Claim Bonus (NCB) of up to 50%. ✔ Choose higher deductibles — agree to pay a larger share of small claims. ✔ Bundle policies — insuring family together (floater) is cheaper than individual plans. ✔ Healthy lifestyle — non-smokers and gym users get preferential rates. ✔ Annual payment — monthly installments often cost 5–8% more than annual upfront payment.
A cashless claim lets you get medical treatment at a network hospital without paying from your pocket. Here's how it works: (1) Visit any of our 10,000+ empanelled hospitals. (2) Show your health insurance card and policy details at the hospital's insurance desk. (3) The hospital sends a pre-authorization request to us. (4) We approve the covered amount directly — you pay only for expenses not covered (cosmetics, consumables, etc.). (5) You go home without worrying about bills. It's the fastest and most convenient claim type.