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All content published on this website, including articles, blog posts, guides, FAQs, and comparison tables, is intended for general informational and educational purposes only. It does not constitute and should not be construed as professional financial, legal, medical, or tax advice. You should consult a qualified professional before making any insurance or financial decision.
Policy Kholo is an insurance intermediary and comparison platform. We are not an insurance company, and we do not underwrite, issue, or guarantee any insurance policy. All policies displayed on our platform are products of IRDAI-registered third-party insurers. The terms, conditions, coverage, exclusions, and premiums applicable to any policy are determined solely by the issuing insurer and are subject to change without notice.
Quotes and premium estimates generated by our tools or WhatsApp flows are indicative only. Final premiums are subject to the insurer's underwriting process and may differ from the estimates provided. Policy Kholo does not guarantee that the premium you are quoted at the time of inquiry will be the same as the premium charged at the time of policy issuance.
Claim settlement ratios (CSR) displayed on our website are sourced from publicly available IRDAI annual reports and insurer disclosures. These figures are historical and do not guarantee future claim settlement performance. Past ratios are not indicative of future outcomes, and Policy Kholo does not assume any liability in relation to claim settlement by a partner insurer.
While we make every reasonable effort to ensure that the information on our website is accurate, current, and complete, we do not warrant or represent that it is free from errors or omissions. Insurance products, regulatory requirements, and tax rules are subject to frequent change. We recommend verifying all information directly with the relevant insurer or a licensed advisor before making a purchase decision.
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