Life protection
- Your family
- Dependants and household expenses
- Existing cover
- Life cover you already hold
- Obligations & limits
- Outstanding loans and future commitments
- Policy terms
- How long cover is needed
- Affordability
- A premium you can keep paying
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Insurance
Protection first, so your plans stay on track.
We help you understand your protection needs, review your existing cover and compare relevant options from participating insurers. We explain benefits, exclusions and costs, so you can make an informed choice for your family, health and assets.
At a glance
- Sector regulator
- IRDAI
- Covers
- Life · Health · General
- Policies issued by
- IRDAI-registered insurers
- Options
- From participating insurers, not the whole market
- Claims
- Decided and settled by the insurer
- Our role
- We explain options; the insurer decides and issues
DreamLadder is not an insurer or an insurance broker. Cover, exclusions and premiums vary by insurer and policy.
What it is
Insurance protects your family, health, income and assets against events that could otherwise derail long-term plans. Appropriate cover can reduce the need to draw on savings or investments when an insured event occurs.
The amount payable depends on the cover, the policy terms and whether the claim is admissible. The insurer issues the policy and settles claims; we help you understand options and handle the paperwork.
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Assess your needs
Dependants, loans, health and the assets you want to protect.
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Compare policies
Benefits, exclusions, waiting periods and premiums, from participating insurers.
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The insurer decides
After you apply and disclose fully, the insurer accepts and issues the policy.
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Renewals and claims
We help with paperwork; the insurer decides and settles claims.
What we check with you
Swipe to compare →
Life protectionHealth protection
Your familyDependants and household expensesIndividual cover or a family floater
Existing coverLife cover you already holdPersonal and employer health cover
Obligations & limitsOutstanding loans and future commitmentsRoom-rent limits, co-payments and deductibles
Policy termsHow long cover is neededSub-limits, waiting periods and exclusions
AffordabilityA premium you can keep payingRenewability, network hospitals and premium
Health protection
- Your family
- Individual cover or a family floater
- Existing cover
- Personal and employer health cover
- Obligations & limits
- Room-rent limits, co-payments and deductibles
- Policy terms
- Sub-limits, waiting periods and exclusions
- Affordability
- Renewability, network hospitals and premium
Product choice depends on your needs, what is available to us, and the insurer’s acceptance.
Types of protection
Protection comes first. The lists are examples; what we can offer depends on our distribution arrangement, and cover and exclusions depend on the insurer and policy.
Life protection
Financial support for your dependants if you die during the policy term.
- Term life
- Accident cover
- Pension & savings plans, where available
Health protection
Pays for hospital and treatment costs, within policy limits.
- Individual & family floater
- Top-up & super top-up
- Critical illness: a fixed sum, not reimbursement
Asset & travel protection
Covers your vehicle, home and travel, within policy terms.
- Motor
- Home
- Travel
What protection might you need?
You may need cover if you…
- Have dependants who rely on your income
- Have loans your family would need to repay
- Want to protect savings from large medical bills
- Own a home or vehicle worth insuring
Before you buy…
- Disclose your medical history and other details fully; ask if unsure about a question
- Don’t stop existing cover until the new policy has started and you know its waiting periods
- Check exclusions, co-payments and sub-limits, not just the premium
- Make sure you can keep paying the premium over the years
This is general information, not an assessment of your suitability, which depends on your circumstances and the specific scheme or product.
Policyholder rights
- Insurers and products regulated by IRDAI
- 30-day free-look period on eligible new life and health policies
- Policy schedule, wording and Customer Information Sheet before you commit
- Claim settlement timelines set by IRDAI
- Health policy portability, and the Insurance Ombudsman for unresolved complaints
Benefits and claim payments are subject to policy terms, exclusions, limits and applicable law.
Limitations & costs
- Under-insurance: cover may fall short when you need it
- Exclusions and waiting periods: some events and treatments are not covered, or not at first
- Your share: co-payments, deductibles and sub-limits mean you may pay part of a claim
- Non-disclosure: incomplete answers can lead to a claim being rejected
- Continuity: missed premiums or renewals can end your cover
Have a concern?Our service: escalation matrix · A policy or claim: the insurer first · Still unresolved: IRDAI Bima Bharosa or Insurance Ombudsman
How we help
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Understand your needs
Your dependants, liabilities, existing insurance and protection priorities.
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Explain available options
Benefits, exclusions, waiting periods, limits and premiums across relevant policies.
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Support the application
Documents and coordination with the insurer. You confirm your disclosures; the insurer decides.
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Support servicing
Renewal reminders, service requests and help with claim documents.
You decide whether to buy, and which policy. The insurer decides on acceptance and claims. How we are paid is disclosed before you buy. See how we’re paid →
Common questions
Short answers to what families ask us most. For anything specific to your situation, talk to us.
Still have a question?Mon–Fri, 8:00 AM – 6:00 PM · Sat, 9:00 AM – 3:00 PM IST
What is DreamLadder’s role in insurance?
We help you understand your needs and compare options from participating insurers. We are not an insurer or a broker. The insurer issues the policy, decides on acceptance and settles claims. How we are paid is disclosed before you buy.
Do you compare all insurers?
No. We show options from the insurers available to us, not the whole market.
How much life cover do I need?
Start with what your family would need: household expenses, loans and future commitments such as education, less the savings and cover already in place. Some people use a multiple of annual income as a rough check; we help you work out a figure for your situation.
Is my employer’s health cover enough?
Often not on its own. It usually ends when you leave the job, and its limits may be low. Many families add personal cover so protection continues.
What might I still pay myself?
Possibly co-payments, deductibles, amounts above sub-limits or room-rent limits, and items the policy excludes. The policy wording sets these out.
How do top-ups and super top-ups differ?
Both pay above a deductible. A top-up looks at each claim separately; a super top-up adds up claims in a policy year, so it can respond to several smaller claims.
What is the free-look period?
For eligible new life and health policies, 30 days from receiving the policy document to review it and cancel it if it doesn’t suit you, with a refund after permitted deductions.
What help do you give during a claim?
We help you gather documents and follow up with the insurer. The insurer decides whether a claim is admissible and how much is paid.
Does your protection match your responsibilities?
Review your existing cover and understand the options available for your family, health and assets.
Insurance is the subject matter of solicitation. Read the policy wording carefully before buying. Policies are issued by IRDAI-registered insurers, and details of the distribution arrangement are shared before you buy; DreamLadder is not an insurer or an insurance broker.