1. Why do I need insurance?

Insurance provides financial protection against unexpected events such as illness, accidents, or death. It ensures that you and your loved ones are financially secure when facing life’s uncertainties.

2. What types of insurance do you offer?

We offer a wide range of insurance solutions, including:

• Life Insurance

  1. Medical & Hospitalisation Insurance

  2. Savings & Education Plans

  3. Critical Illness Coverage

  4. Accident Protection

  5. Retirement Plans

• General Insurance

  1. Car Insurance

  2. Travel Insurance

  3. PA 

  4. Business Insurance

  5. Liability Insurance

  6. Pet Insurance

3. How much coverage do I need?

The amount of coverage depends on your personal circumstances such as age, income, family size, liabilities, and financial goals. Our agents can help you assess your needs and recommend a suitable plan.

4. What is the difference between term life and whole life insurance?

• Term Life Insurance provides coverage for a specific period and is generally more affordable.

• Whole Life Insurance offers lifetime coverage and includes a savings/investment component with cash value accumulation.

5. What is a medical card, and why is it important?

A medical card is a health insurance plan that helps cover the cost of hospitalisation and medical treatments. It is important to prevent high out-of-pocket expenses in case of illness or accidents.

6. Can I buy insurance for my child?

Yes. We offer education and protection plans specially designed for children to build savings and ensure their future is secured even if unexpected events happen.

7. What happens if I miss a premium payment?

Most policies have a grace period (usually 30 days). If payment is not made within the grace period, your policy may lapse or benefits may be suspended.

8. Can I change my insurance plan later?

Yes, you may upgrade, add riders, or adjust your coverage depending on the plan’s terms and your changing needs. We recommend reviewing your policy annually with your agent.

9. How do I make a claim?

To make a claim, you can:

• Contact your servicing agent

• Submit the required documents to the insurance company

• Track claim progress via our support team or official channels

We assist all our clients in the claim process to make it as smooth as possible.

10. Do I need a medical check-up to buy insurance?

It depends on your age, health condition, and the type of policy. Some policies may require medical underwriting, while others offer simplified or guaranteed acceptance.

11. Can I still get insurance if I have a pre-existing condition?

Some insurers offer limited or modified plans for individuals with pre-existing conditions. It’s best to consult with us so we can find suitable options for your health status.

12. How can I contact your agency for a consultation?

You can reach us via:

• Phone / WhatsApp:  014-622 0423
  
  

• Email: enquiry@osisconsultancy.com
  
  

We offer free consultations with no obligation.