
For people with existing insurance
Lost in your policy? Stuck on a claim? We've got you.
Talk to a senior advisor about your policy or claim. Straight answers, no sales, no commissions.
Trusted by 10000+ Families
Full refund if it's not useful
No commissions, no conflicts
Client requests
What we have helped people with
A few of the situations we've helped people navigate
I need help understanding whether I should continue my current policy or move to a plan with stronger long-term claim support.
Family member hospitalised (GBS, 8-9 days); no cashless, so filed reimbursement. Insurer keeps asking for the same documents repeatedly after submission. How can this be resolved?
I already have Niva Bupa Aspire plan from past 2 years, which ideally now covers critical illness as well. I want to move to a better plan, so looking for advise
My wife is a carcinoma survivor, fully recovered post thyroidectomy surgery 7 years ago. She is in her 30s, a Critical Care Doctor by profession and currently working with a leading govt. hospital. I want to ask if we could get her a decent health insurance policy considering her past history.
Hi, I have star health comprehensive health insurance, 2 adults + 1 child, for cover plus cr super top up. Got insured in aug 2022, no PED, not used the insurance until now, 3 years premium paid, please review and share your opinion.
Where we come in
Policy review
Honest take on what to keep, change, or drop
Catching things that could hurt you during a claim
What's covered, what isn't, and where the gaps are
Claims Support
Catching gaps before they cost you during a claim
Understanding exactly where your claim stands - and what to do next
Documentation, escalation, and insurer follow-up, handled with you
We won't try to sell you anything. And we can't guarantee how your insurer will decide. But we'll make sure you go in with the clearest possible picture of where you stand.
Our Services
Simple, transparent pricing
No hidden fees. No commissions. No upselling.
Policy Advisory
Policy Consultation
Know exactly what your policy covers (and what it doesn't)
Catch gaps before they become expensive surprises
Honest take on whether to keep, change, or upgrade your plan
Up to 2 calls (30 mins each)
₹1499
₹999/per consultation
Most Requested
Claims Advisory
Claims Consultation
Helps you avoid gaps that could cost you during a claim
Clear, unbiased recommendations on what to do next
Full policy review - coverage, sublimits, exclusions
Up to 2 calls (30 mins each)
₹1999
₹1499/per consultation
Full support
Claim Support
For situations where you don't just need advice, but someone to handle the entire process for you.
Full refund if you don't find value — no questions asked.
Why people trust us
Why people trust us with important decisions
Experience across insurers - not tied to one
We know how different companies handle policies and claims from the inside. No conflicts, no bias.
Deep claims knowledge, not just sales experience
Our advisors have handled rejections, escalations, and settlements - not just sold policies.
Paid advisory means our only interest is helping you
Over 10,000 families have come to us in their most confused moments and left with clarity.
Full refund if you don't find it useful - no questions asked
We earn from you, not from insurers. That makes us structurally and genuinely on your side.
Not sure which service you need?
Answer one question and we'll point you in the right direction.
Founder's Note
"Over the years, I've spoken to thousands of people about insurance. And one thing comes up again and again - people only realise what their policy actually means when something goes wrong.
A claim gets delayed. Or rejected. Or just becomes too confusing to deal with. And in that moment, the person who sold the policy is often not around. Or worse - unable to help.
That's exactly why we built this. A place where you can come, get clear, honest guidance (at any stage of your insurance journey), and understand what to do next - without being sold anything.
If you're feeling stuck or unsure, I hope this gives you the clarity you need."

How it works
Simple, structured, focused on outcomes.
Insurance mistakes don't feel expensive - until a claim happens and you realise your policy doesn't cover what you thought it did. One conversation today can save you lakhs tomorrow.
Step 1
Pick what you need
Policy review or claims support
Step 2
Share your documents
Policy or claim paperwork, whatever's relevant
Step 3
Speak with a senior advisor
Up to 2 calls of 30 mins each. Not a call centre.
Step 4
Walk away knowing what to do
Specific, practical, and something you can act on today
AI CHATBOT
Not sure where to start?
Try PolicyPal, our free AI assistant. It won't replace a real conversation, but it's a good place to start if you're not sure what you need yet.
Are there any pet health insurance policies?
What are PEDs?
How to renew my policy?
What is a cashless claim?
What is difference between term and health plans?
What is a reimbursement claim?
Are there any maternity plans?
What is a senior citizen policy?
What is a network hospital?
What is a waiting period?
How to file a claim?
Are there any pet health insurance policies?
What are PEDs?
How to renew my policy?
What is a cashless claim?
What is difference between term and health plans?
What is a reimbursement claim?
Are there any maternity plans?
What is a senior citizen policy?
What is a network hospital?
What is a waiting period?
How to file a claim?
Are there any pet health insurance policies?
What are PEDs?
How to renew my policy?
What is a cashless claim?
What is difference between term and health plans?
What is a reimbursement claim?
Are there any maternity plans?
What is a senior citizen policy?
What is a network hospital?
What is a waiting period?
How to file a claim?
For complex situations - stuck claims, rejected claims, policy gaps - that's where OneAssure Pro is the right call.
Looking for a new policy?
If what you actually need is a fresh policy rather than advice on an existing one, our main advisory team can help with that - at no cost.
Real customer stories
What we've helped users with
See how OneAssure has helped others navigate their insurance situations - and imagine what we can do for you.

Prashant Pandey
Mumbai, Maharashtra
“I want to sincerely thank Sunad for being there for me throughout the entire claim process. He helped me through so many ups and downs, always patient and ready to support when things got tough. I honestly don’t know how I would have managed without his guidance and encouragement. Sunad made a difficult situation feel a lot less stressful, and I’m truly grateful for his kindness and steadfast help.”

Sanjay Dakalia
West Bengal
“Had a great experience with OneAssure during my insurance claim process. A special shoutout to Sunad Raj for his exceptional support, he was professional, responsive, and guided me every step of the way. Thanks to his consistent follow-ups and clear guidance, the entire claim settlement was smooth and hassle-free. Highly recommend OneAssure for their service and transparency!”

Nakul N
Thane, Maharashtra
“Have been associated with Ruchir and his team… They have provided me excellent guidance in choosing the right plans for myself and my family…always been available to assist with any insurance/claim queries.”

Harish Jindal
Customer
“The team is very professional and prompt. I would have all my health and life insurance needs met through them.”

Siddhartha Saha
Mumbai, Maharashtra
“Very professional service from Ruchir & Aman. They were recommended by a friend who had a positive experience with them. I have taken both health and life policies through them and they have advised me well throughout the process and found the best options available in the market. I had a medical condition due to which it was difficult to find a suitable health policy in the market, however this team was able to find one for me. I would recommend their services to anyone looking to buy health or life insurance.”

Adarsh Ravindranathan
Mumbai, Maharashtra
“Wonderful experience with Prost. Right from suggesting the insurance products to claim process the entire experience hai been seamless. They do not mis-sell and are very transparent. Sundar Raj from the team has been wonderful and ensured prompt guidance. All the best Ruchir and keep up the good work!”

Yogesh Meena
Jaipur, Rajasthan
“I am truly grateful for the support and guidance I received in settling my insurance claim. The entire process was handled with great professionalism, clarity, and efficiency. Their prompt response, deep knowledge of the procedures, and consistent follow-ups ensured a smooth and hassle-free experience. Thank you once again for your invaluable help, highly recommended!”

Akash Kumar
West Bengal
“I recently had the pleasure of purchasing health insurance for my parents through this company, and my experience has been exceptional...The team was incredibly patient and took the time to explain every detail to me. No matter how many times I asked questions, they were always calm and thorough in their explanations. Their professionalism and dedication made a significant difference in helping me make an informed decision.”

Jatin Gala
Mumbai, Maharashtra
“Had a great experience with them during a difficult time. After my mother’s accident, we had to pay the hospital bill upfront, as cashless wasn’t available. They guided us through the reimbursement process, helped file the claim, and consistently followed up with the insurer until it was settled. Their support with the post-hospitalization claim was equally prompt and thorough.”

Anju Renjith
Bengaluru, Karnataka
“My heartfelt thanks to the OneAssure team for making my insurance claim process effortless. Right from the very first interaction, they demonstrated professionalism, clear communication, and an impressive command of the procedures involved. Their swift updates, timely guidance, and persistent follow-through removed all the stress from what could have been a complicated experience.”

Shreya Goyal
Mumbai
“OneAssure helped me understand my needs and choose a product that was right for me. There was no pressure tactics or mis-selling. This experience was respectful, informed, and completely stress-free.”
FAQs
Frequently Asked Questions
Considering this for the first time? Learn what to expect before your consultation with us.
Don't navigate this alone
Insurance problems don't wait. Neither should you.
Get clarity from someone who's actually handled real cases. Not a chatbot, not a salesperson.
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