Health Insurance
Hospital bills should never decide your treatment.
- ✔ Cashless hospitalization
- ✔ Pre & post hospitalization care cover
- ✔ No Claim Bonus (NCB)
Secure Your Family, Vehicle & Future with Trusted Insurance Guidance
Instant Quotes | 100% Cashless Claims* | Dedicated Agent Support
One advisor for your health cover, your car or bike, and your family's financial safety. No call-centre queues, just a person who picks up.
Cover for the three things that matter most
Plans from leading insurers, matched to your budget and explained in plain language.
Motor Insurance
Car or bike, new or renewing. Stay legal and protected.
- ✔ Instant policy renewal
- ✔ Zero Depreciation cover
- ✔ 24/7 roadside assistance
Life Insurance
Keep your family's goals on track, whatever happens.
- ✔ Term & savings plans
- ✔ Tax benefits under Sec 80C
- ✔ Family financial shield
Health Insurance
Health cover from ICICI Lombard and Star Health
Two of India's best-known health insurers. Tell me your family size, age and budget and I will compare both for you.
ICIC
ICICI Lombard
General insurer, health plans
- ✔ Cashless treatment at a wide hospital network
- ✔ Individual and family floater plans
- ✔ Pre & post hospitalization cover
- ✔ Top-up / super top-up options
- ✔ Renewal reminders and claim help from me
STAR
Star Health
Dedicated health insurer
- ✔ Strong focus on health, plans for every age
- ✔ Family floater, senior citizen, critical illness plans
- ✔ Cashless hospitalization at network hospitals
- ✔ Day-care procedures and pre & post care
- ✔ No Claim Bonus on eligible plans
Plan types I can help you with
IndividualFamily floaterSenior citizenParents coverCritical illnessTop-up / super top-up
Plan names, waiting periods, room-rent limits and exclusions differ by plan. I will share the exact policy wording before you buy.
Life Insurance
Life insurance with LIC, India's trusted insurer
Protect your family's future and build savings with LIC plans, chosen for your goals and budget.
LIC
LIC of India
Life Insurance Corporation
- ✔ Term plans: high cover at low premium
- ✔ Endowment and money-back plans for savings
- ✔ Pension / retirement plans
- ✔ Child education and marriage plans
- ✔ Tax benefits under Sec 80C and 10(10D), as per prevailing law
Term plans
Pure protection. Pays your family a lump sum if you are not around.
Savings & endowment
Cover plus guaranteed or bonus-linked maturity benefits.
Child plans
Keep education and marriage goals funded.
Pension plans
Regular income after retirement.
Tax benefits depend on current law and your situation. Benefits and terms vary by plan.
Motor Insurance
Insurance for every kind of vehicle
From a family car to a goods truck, I arrange the right policy and renew it on time. Even if your policy has expired, we can help you restart quickly.
Private car
New car and renewal
Two-wheeler
Bike and scooter
Taxi & cab
Commercial passenger
Goods carrier
Trucks, mini-trucks, tempo
Auto & e-rickshaw
Three-wheelers
Bus & school bus
Passenger carrying
Tractor & farm
Agricultural vehicles
Electric vehicles
Electric car and bike
Types of cover
Third-party only
Legally required. Covers damage or injury to others.
Comprehensive
Third-party plus damage to your own vehicle.
Standalone own-damage
For owners who already hold a long-term third-party cover.
Add-ons
Zero depreciation, engine protect, roadside assistance, return to invoice, NCB protect.
Estimate your premium
A quick term-life estimate. Your exact premium depends on health, habits and insurer.
Estimated premium
₹11,990 / year
Indicative only, not an official quotation.
Find a network hospital or garage
Check cashless options near you before you buy. Enter your pincode or city.
Want the confirmed cashless list for a specific insurer? Message us and we will send it on WhatsApp.
Ask on WhatsAppWhen you need to claim, you are not alone
We handle the paperwork and follow-ups so you can focus on what matters.
- 1
Notify your agent
Call or WhatsApp us the moment something happens.
- 2
Document upload help
We tell you exactly which papers to send and help you submit them.
- 3
Claim verification
We follow up with the insurer and keep you updated at each stage.
- 4
Fast cashless settlement
At network hospitals and garages, the insurer settles directly.
IRDAI Licensed Advisor
Licence No: XXXXXXXX
Valid till: DD/MM/YYYY
500+
Claims assisted
★★★★★
Rated by happy clients
AS
Ashu Sharma
Independent Insurance Advisor, FISOLUTION
VPO Khandewla, Gurugram, Haryana
7+
Years experience
500+
Claims assisted
3
Health, Motor, Life
About Us
Your advisor, not a salesperson
Hello, I am Ashu Sharma, an independent insurance advisor at FISOLUTION in Khandewla, Gurugram, with 7 years of experience in insurance. I help families, vehicle owners and working people choose health, motor and life insurance that fits their needs and budget.
Most people buy insurance in a hurry, from whoever called first, and only discover the fine print when they need to claim. I want it to go differently for you. I understand your family, your vehicle and your goals, and compare plans from ICICI Lombard, Star Health, LIC and leading motor insurers before I recommend anything.
My job does not end when the policy is issued. I send renewal reminders, answer your questions, and when a claim comes up, I stand with you through it until it is settled. More than 500 claims have been handled this way.
If you are not sure what you need, just ask. The advice is free and there is no pressure to buy.
How I work
Advice first, sale second
I explain every plan in simple language, including what it does not cover.
Independent comparison
I compare ICICI Lombard, Star Health, LIC and motor insurers instead of pushing one brand.
One number, always
You get my direct call and WhatsApp number, not a call-centre queue.
With you at claim time
From the first call to settlement, I help with documents and follow-ups.
What clients say
RS
Client Name
Health policy, City
“Hospital admission at midnight and one WhatsApp message was all it took. The cashless approval came through without me chasing anyone.”
★★★★★
AK
Client Name
Car insurance, City
“My policy had expired and I thought I would have to start over. It was renewed the same day, and cheaper than my old premium.”
★★★★★
PM
Client Name
Term plan, City
“He explained term versus savings plans without any jargon. I now have the right cover and I understand what I am paying for.”
★★★★★
Sample reviews: replace with real client reviews (with permission) before going live.
FAQ
Questions people ask before buying
Is your advice and quote really free?
Yes. Advice and quotes cost nothing. You pay only the insurer's premium for the policy you choose, with no extra fee for my help.
Which plan is better, ICICI Lombard or Star Health?
Neither is best for everyone. It depends on your age, family size, health history, budget and nearby hospitals. Tell me these details and I will compare both side by side.
How does cashless hospitalization work?
At a network hospital, the hospital and insurer settle the bill directly, so you do not pay upfront for covered treatment. Approval is subject to policy terms, and I help with the pre-authorisation.
Do pre-existing diseases get covered?
Usually yes, but only after a waiting period that differs by plan. Always disclose your health history honestly, because hiding it can lead to a rejected claim.
My car or bike policy has expired. Can I still renew it?
Yes. If it lapsed for a while, the insurer may ask for a vehicle inspection, and you may lose your No Claim Bonus. The sooner you renew, the better.
What is Zero Depreciation cover?
Normally the insurer deducts depreciation on replaced parts. With this add-on that deduction is waived, so you get a higher claim amount. Terms and claims allowed per year vary by insurer.
Which motor vehicles can you insure?
Private cars, two-wheelers, taxis, goods carriers, auto and e-rickshaws, buses, tractors and electric vehicles.
Term plan or savings plan from LIC: which should I take?
A term plan gives the highest cover for the lowest premium, best for pure family protection. Savings and endowment plans add a maturity benefit but cost more for the same cover.
Do I get tax benefits on insurance premiums?
Life insurance premiums can qualify under Sec 80C and health insurance under Sec 80D, within limits and as per prevailing tax law. Please confirm with your tax advisor.
What should I do first if I need to make a claim?
Call or WhatsApp me right away at 7494905997. I will tell you which documents to collect, help you submit them, and follow up with the insurer until it is settled.
Still have a question? Ask Ashu on WhatsApp or call 8398010265.
Not sure which plan is right? Ask me, it is free.
Chat on WhatsApp