Swasthiyasure Insurance Services

SwasthiyaSure

More Than a Policy. A Personal Promise.

IRDAI Licensed Insurance Advisors

Unbiased Insurance Advisory for Your Family's Protection

Don't rely on call centers when emergencies strike. Get personalized advice on health, motor, and travel insurance from certified agents who fight for your claims.

Authorized Premium Partners

ICICI Lombard
Ragesh K Code: ILGD00046937
HDFC ERGO
Surabhi E Code: HCG251239334021

Why Choose a Personal Agent Over an App?

Technology is great for buying, but humans are essential for claiming. Here is the SwasthiyaSure difference.

Personal Claim Defense

✓ We fight for your claim personally Apps use automated chatbots & call centers

When a claim is rejected, you need an expert to challenge it with the insurer. We handle the paperwork and negotiation for you.

Proactive Annual Reviews

✓ We optimize your plan every renewal Apps just auto-renew without checking changes

Medical costs and your family needs change. We review your sum insured and add-ons every year to ensure you aren't underinsured.

Real, Local Trust

✓ Visit our office in Payyannur Apps are virtually invisible when problems arise

We live in your community. You can walk into our office, have coffee, and discuss your concerns face-to-face.

0% GST on Health Insurance

Premiums are now FLAT 18% CHEAPER for everyone.*

*GST exemption applies to base health insurance premiums as per government notification

?? Instant 18% Savings

Expert Guidance

Serving Kannur & Payyannur

<1 Hour Response

Guaranteed Reply Time

IRDAI Licensed

Certified Insurance Advisor

100% Free Advice

No Hidden Charges

Our Premium Services

Health Insurance

Ensure access to top-tier hospital networks and cashless treatments by selecting a premium provider, guaranteeing peace of mind during medical emergencies.

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Motor Insurance

Choose a premium insurer for superior roadside assistance and zero-depreciation covers, ensuring your vehicle stays protected on every journey.

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House Insurance

Secure your lifelong investment with accurate valuations and swift compensation from high-end providers, safeguarding your home against unforeseen events.

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Travel Insurance

Travel with confidence knowing expert medical assistance and global support are always available from a premium insurance partner, anywhere in the world.

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The Global Indian Advantage

Exclusive benefits designed for Non-Resident Indians protecting their roots.

18% GST Waiver

Save significantly on your premiums by paying in foreign currency. A direct financial benefit for holding an NRE status.

Parental Care

Ensure your parents back home receive top-tier treatment in India's best hospitals without you worrying about the bills.

Global Value

Access world-class medical infrastructure in India at a fraction of international costs (approx 1/10th).

Exclusive Discounts

Unlock special discounts and tenure benefits from top partners like ICICI Lombard & HDFC ERGO.*

*Discounts subject to insurer policy terms and customer eligibility criteria

Why SwasthiyaSure?

Online apps give you a list. We give you a strategy. Here is why local expertise wins when it matters most.

Your Neighbor, Not a Call Center

We are right here in Kannur & Payyannur. When a medical emergency strikes, you call us directly—not a toll-free number.

The "No Surprises" Promise

We only recommend plans with No Room Rent Limits and Zero Hidden Clauses. We read the fine print so you don't have to.

Unbiased Expertise

We work for YOU, not the insurance company. We fight for your claim settlement as if it were our own family's.

100% Free Consultation

Our advice is free. You pay the exact same premium as buying online, but you get a dedicated expert for life.

Start Your Insurance Journey Right

Get expert guidance from licensed professionals � completely free, with no obligations

✨ Know Your Policy

Get instant AI analysis of your current coverage with personalized insights, gap detection, and expert recommendations - completely free!

Start Policy Check

Zero-Pressure Consultation

Talk to our licensed advisors about your needs. No sales pitch, just honest advice tailored to your situation

Book Free Call

Compare Multiple Quotes

Get transparent comparisons from HDFC ERGO and ICICI Lombard with no hidden charges or commissions disclosed upfront

Get Quotes

Lifetime Support Promise

From policy purchase to claim settlement, we're your dedicated partner. Not just agents, but your insurance advisors for life

Learn More

Trusted Guidance, Every Step

We believe insurance is about building lasting relationships, not one-time transactions. Our licensed advisors are here to guide you from your first policy to every claim you make � because protecting your family's future is what we do best.

How It Works

Your journey to comprehensive insurance coverage in four simple steps

1

Share Your Needs

Tell us about your family, health status, and coverage requirements through a quick consultation

2

Expert Analysis

Our licensed advisors analyze your profile and identify the most suitable policies from our partners

3

Personalized Quotes

Receive transparent quotes with detailed explanations of coverage, exclusions, and benefits

4

Seamless Onboarding

Complete paperwork with our guidance and activate your coverage with ongoing support for claims

Frequently Asked Questions

Get answers to common insurance questions

What is the difference between ICICI Lombard and HDFC ER GO?

Both ICICI Lombard and HDFC ERGO are premium general insurance providers in India. ICICI Lombard is known for its extensive network and quick claim settlements, while HDFC ERGO offers comprehensive coverage options and excellent customer service. We work with both to provide you the best policy based on your specific needs, budget, and coverage requirements.

Do you charge consultation fees?

No, our consultation is completely FREE! We don't charge any consultation fees, advisory fees, or hidden charges. Our service is commission-based from the insurance providers, meaning you get expert advice at no cost. We believe in transparent, customer-first service.

How much does health insurance typically cost?

Health insurance premiums vary based on several factors: age, sum insured, family size, existing medical conditions, and coverage features. As a rough guide:

  • Individual (30 years): 8,000-15,000/year for 5 lakh coverage
  • Family floater (2 adults + 2 kids): 18,000-35,000/year for 10 lakh coverage
  • Senior citizen (60+ years): 25,000-50,000/year for 5 lakh coverage

Contact us for personalized quotes based on your requirements.

Can I port my existing policy to a new insurer?

Yes! Policy portability is your right under IRDAI regulations. You can switch insurers while retaining your accumulated No Claim Bonus (NCB) and waiting period benefits. The process typically takes 45-60 days. We handle the entire portability process for you, ensuring a smooth transition with no coverage gaps.

How long does policy issuance take?

For most policies:

  • Motor Insurance: Instant to 24 hours (digital issuance)
  • Health Insurance (no pre-existing conditions): 2-5 business days
  • Health Insurance (with medical screening): 7-15 business days
  • Travel Insurance: Instant to 2 hours

We expedite the process and keep you updated at every step.

What documents do I need to buy insurance?

Basic documents required:

  • Aadhaar Card or PAN Card (KYC)
  • PAN Card (mandatory for premiums above 50,000)
  • Passport-size photograph
  • For Health: Age proof, medical records (if any pre-existing conditions)
  • For Motor: RC book, previous policy copy, driving license
  • For NRIs: Passport, visa, overseas address proof

We'll guide you through the exact requirements for your specific policy.

Do you serve NRI customers?

Yes! We specialize in NRI insurance services. As an NRI, you can benefit from:

  • 18% GST waiver on health insurance premiums (save thousands!)
  • Parental coverage while you're abroad
  • Property insurance for your home in India
  • Travel insurance for visits to India
  • Completely remote documentation via email/WhatsApp

We make the entire process seamless from anywhere in the world.

How does the claim settlement process work?

Claim settlement is where we truly add value:

  1. Notify us immediately: Call/WhatsApp as soon as a claim situation arises
  2. We coordinate everything: Hospital intimation, documentation, follow-up
  3. Cashless treatment: For network hospitals, pre-authorization arranged
  4. Reimbursement claims: We help compile all documents and follow up until settlement
  5. Typical settlement: 7-15 days for reimbursement claims

Our support doesn't end at policy sale we're with you during claims when you need us most.

Can I modify my policy after purchase?

Yes, most policies allow modifications:

  • Add family members: During policy year (subject to underwriting)
  • Increase sum insured: At renewal time
  • Add riders/coverage: At renewal or mid-term (depends on insurer)
  • Change nominee: Anytime during policy period
  • Update contact details: Anytime through us

We handle all policy modifications and ensure proper documentation.

What is the Know Your Policy Tool?

Our Know Your Policy tool is a FREE, comprehensive analysis of your existing insurance policy:

  • AI-powered coverage gap detection
  • Policy fitness score (0-100)
  • Identifies missing critical features
  • Compares with industry best practices
  • Personalized recommendations for improvements
  • No obligation to buy just honest advice

Takes only 2 minutes to complete. Start your free audit now

About SwasthiyaSure

At SwasthiyaSure, we are dedicated to providing premium insurance advisory services tailored to your unique needs. Our team of certified professionals ensures that you receive the best protection and peace of mind through our trusted partnerships with industry leaders.

Office Address

Swasthyasure, Edat, Payyannur,
Kannur, Kerala - 670327

Direct Helpline: +91 99613 44155

Landline: 0497 299 5661

Official Email: support@swasthyasure.com

Working Hours

Mon - Sat: 9:00 AM - 6:00 PM

Meet Your Advisors

Certified experts dedicated to securing your future with personalized guidance

Ragesh K

General Insurance Consultant

License: ILGD00046937
ICICI Lombard Certified Agent

Surabhi E

Senior Insurance Advisor

License: HCG251239334021
HDFC ERGO Certified Agent

Our Trusted Insurance Partners

We collaborate with India's most trusted and leading insurance providers to bring you the best coverage options.

HDFC ERGO General Insurance

Authorized Partner

One of India's leading general insurance companies, HDFC ERGO offers comprehensive coverage for health, motor, travel, and more. Known for innovative products and exceptional customer service.

  • 24/7 Customer Support
  • Quick Claim Settlement
  • Wide Network Coverage
Your Advisor: Surabhi E

ICICI Lombard General Insurance

Authorized Partner

A pioneer in the Indian insurance industry, ICICI Lombard provides innovative and customer-centric insurance solutions. Trusted by millions for reliable protection and seamless digital experience.

  • Digital-First Approach
  • Instant Policy Issuance
  • Comprehensive Coverage
Your Advisor: Ragesh K

SwasthiyaSure connects you with authorized insurance advisors representing HDFC ERGO and ICICI Lombard. Surabhi E and Ragesh K are individual licensed insurance advisors authorized to sell products from these respective companies. All policies are subject to terms and conditions of the respective insurance companies. SwasthiyaSure is not a direct agent or corporate partner of these insurers. Please refer to official policy documents and brochures for complete details before making any purchase decision.

The SwasthiyaSure Promise

"We believe that insurance is not just a financial transaction, but a lifelong commitment to your family's security. In a world of automated algorithms, we remain steadfast in our promise to provide human, empathetic, and expert guidance at every step of your journey. When you choose us, you don't just buy a policy; you gain a partner who stands by you."

Ragesh K ICICI Lombard Expert
Surabhi E HDFC ERGO Expert

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Smart Traveling: The Essential Security Net

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Protecting Your Lifelong Investment

Your home is more than just a shelter; it's a significant financial asset. Learn how premium property insurance safeguards your residence against natural calamities and unforeseen theft.

Read Insight →

Get Expert Advice

Visit Our Office in Payyannur

Know Your Policy
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