SBI General vs Reliance Health
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SBI General vs Reliance Health

SBI General and Reliance Health both come with a plethora of insurance solutions and a vast product portfolio. Both companies are well known for their all-inclusive plans that cover individuals as well as their families. The network hospitals under the umbrella of SBI General are 6000+ Number Of Network Hospitals whereas Reliance Health has 9100+ Number Of Network Hospitals of them. The companies provide benefits such as hospitalization, accidental care, daycare procedures, critical illness and senior citizen coverage, along with affordable premiums and high sum insured new age insurance plans.

PLAN DETAILS Edit SBI General

SBI General

Edit reliance-health

Reliance Health

Number of health insurance plans and add-ons
Sum insured Up to 2Cr Up to 5 Cr
Network hospitals 6000+ 9100+
Claim ratio 95% 98.65%
Preventive health check-up Available (plan dependant) Available (plan dependant)
Existing illness cover Available Available
No claim bonus Available Available
Online discount Available Available
OPD coverage Covered (plan dependant) Covered (plan dependant)
Day care treatment Available Available
Wellness benefits Available (plan dependant) Available (plan dependant)
Discount on renewal Not Available Available
Global coverage Not Available Available
Cashless Facility Available Available
Exclusive Plans for Senior Citizen Available Available
Exclusive Plans for Women Available Available
Exclusive Plans for Critical Illness Available Available
Exclusive Plans for Family Available Available
Top selling plans Arogya Supreme Reliance Health Gain Policy, Reliance Health Infinity Insurance

Health Insurance Companies

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SBI Health Insurance Plans

SBI offers several health insurance plans to look after the healthcare needs of the policyholders. Below mentioned are all the plans offered by SBI Health. Have a look:

Individual & Family Floater Health Insurance Plans

Comprehensive Plan

A comprehensive health insurance plan that offers a 15% increase in cumulative bonus for every claim-free year and comes with 8 optional coverage options.

Unique Features

  • Bariatric Surgery cover
  • 573 Day Care procedures covered
  • Domestic Air Ambulance cover

SBI Arogya Supreme (Pros)

  • E - Consultations
  • Sum Insured Refill
  • Air Ambulance
  • Long-term Policy
  • AYUSH Cover

SBI Arogya Supreme (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Arogya Supreme (Other Benefits)

  • Multiple Discounts
  • Annual Health Check-up
  • Mental Health Care
  • Cataract Treatment
  • E-Opinion

SBI Arogya Supreme (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 5 L to 50 L
  • Waiting Period - 30 Days

Comprehensive/ Family Floater Plan

A policy designed to provide coverage to you and your family. Providing high SI of 30 lakhs, it covers maternity expenses to childbirth.

Unique Features

  • 12 advanced treatment procedures
  • SI Auto Restoration
  • No pre medical up to 55 years

Arogya Premier Plan (Pros)

  • Road Ambulance
  • High SI
  • AYUSH Cover
  • Room Rent
  • Pre & Post Hospitalization

Arogya Premier Plan (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Arogya Premier Plan (Other Benefits)

  • Family Floater
  • Tax Benefits
  • Affordable Premiums
  • Medicine Cover
  • Cataract Cover

Arogya Premier Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 50k to 10L
  • Waiting Period - 30 Days

Family Floater Plan

A fixed premium plan that offers coverage up to 3 Lakhs and offers protection against the expenses incurred during OPD and hospitalization.

Unique Features

  • Coverage for HIV/AIDS
  • Genetic Disorders covered
  • Internal Congenital Diseases covered

Arogya Plus Plan (Pros)

  • Up to 7.5% discount
  • OPD Cover
  • Maternity Cover
  • Pre & Post Hospitalization
  • 141 Daycare Treatments

Arogya Plus Plan (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Arogya Plus Plan (Other Benefits)

  • Nursing Expenses
  • Domiciliary Hospitalization
  • AYUSH Cover
  • Medicines Cover
  • Tax Benefits

Arogya Plus Plan (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 3 L
  • Waiting Period - 30 Days

Standard Plan

A standard health insurance plan that comes with a coverage of 10 Lakhs. Moreover, the plan comes with a 5% Co-pay, applicable on all the admissible claims.

Unique Features

  • Advanced Procedures covered
  • Lifelong renewals
  • Cumulative Bonus of 5%

SBI Arogya Sanjeevani (Pros)

  • Road Ambulance
  • High SI
  • AYUSH Cover
  • Room Rent
  • Pre & Post Hospitalization

SBI Arogya Sanjeevani (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

SBI Arogya Sanjeevani (Other Benefits)

  • Family Floater
  • Tax Benefits
  • Affordable Premiums
  • Medicine Cover
  • Cataract Cover

SBI Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 50k to 10L
  • Waiting Period - 30 Days

Affordable Plan

SBI Retail Health Insurance Policy

A family floater plan for metro and non-metro cities offering wide coverage of INR 5 Lakhs. No pre-policy medical check-up is required to avail of this policy.

Unique Features

  • Consultancy Cover
  • Tax Benefits
  • SI Upto 5 L

Retail Health Policy (Pros)

  • Add-on Covers Available
  • ICU Benefit
  • Ambulance Cover
  • Free Medical Check-up
  • Parental Care

Retail Health Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Retail Health Policy (Other Benefits)

  • High SI
  • Child Care
  • Cataract Care
  • AYUSH Care
  • Mental Illness

Retail Health Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50k to 5 L
  • Waiting Period - 30 Days

Specialized Health Insurance Policy

Top-up policy

The policy comes into action post exhaustion of your current health plan and provides affordable premiums with various benefits.

Unique Benefits

  • Maternity Expenses covered
  • Ambulance coverage up to 5K
  • Coverage up to 50 Lakhs

Arogya Top Up Policy (Pros)

  • Up to 7.5% discount
  • OPD Cover
  • Tax Benefits
  • Pre & Post Hospitalization
  • 141 Daycare Treatments

Arogya Top Up Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Arogya Top Up Policy (Other Benefits)

  • High SI
  • Room Rent Covered
  • Physiotherapy Covered
  • Affordable Premiums
  • Domiciliary Hospitalization

Arogya Top Up Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 50L
  • Waiting Period - 30 Days

Critical Illness policy

The plan offers coverage against 13 critical illnesses & financial support irrespective of the actual medical expenses, & comes with two policy tenures enabling customization.

Unique Features

  • Entry Age upto 65 years
  • Free-look period of 15 days
  • Coverage of up to 10 Lakh

Critical Illness Plan (Pros)

  • Covers 13 CI
  • Cancer Care
  • Kidney Failure
  • Organ Transplant
  • Stroke

Critical Illness Plan (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Critical Illness Plan (Other Benefits)

  • High SI
  • Paralysis
  • Coma
  • 2 Plan variants
  • Blindness Cover

Critical Illness Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 10 L
  • Waiting Period - 30 Days

Hospital Daily Cash

SBI Hospital Daily Cash Insurance Policy

The policy provides a fixed amount to the claimant for each day of hospitalization and expenses like traveling, food, and much more.

Unique Features

  • 4 daily benefit amount options
  • Hospital confinement expenses
  • Convalescence expenses

Hospital Daily Cash Policy (Pros)

  • Daily Cash Benefit
  • Tax Benefits
  • Optional Covers
  • ICU Benefit
  • Accident Injury

Hospital Daily Cash Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Hospital Daily Cash Policy (Other Benefits)

  • Compassionate Benefit
  • Daycare Treatment
  • Maternity Cover
  • Sickness Cash Benefit
  • Affordable Premiums

Hospital Daily Cash Policy (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 500 to 2,000
  • Waiting Period - 30 Days

Loan Insurance Policy

SBI Loan Insurance policy helps you to repay your outstanding loan in case you are a victim of any of the listed 13 critical illnesses/accidental death/unemployment.

Unique Features

  • Tax Benefits
  • Personal Accident Cover
  • SI up to 1 Crore

Loan Insurance Policy (Pros)

  • Loss of Job Cover
  • Long Term Policy
  • Affordable Premiums
  • Death Cover
  • Permanent Disablement

Loan Insurance Policy (Cons)

  • Cosmetic Treatment
  • Injury Due To Illegal Activity
  • Injury Due To Hazardous Activities
  • Adventure Sport Injuries
  • Unlawful Activities

Loan Insurance Policy (Other Benefits)

  • Cancer Cover
  • Organ Transplant Cover
  • Paralysis Cover
  • Organ Transplant
  • Blindness Cover

Loan Insurance Policy (Eligibility Criteria)

  • Entry Age - N/A
  • Max Entry Age - N/A
  • SI - Up to 1 Crore
  • Waiting Period - 30 Days

Reliance Health Insurance Plans

Comprehensive Plan

Available in Individual as well as Family Floater Plans, the plan offers comprehensive coverage with in-patient treatment, and several add-on features.

Unique Features

  • Avail waiver of premium
  • Consumables Covered
  • Cumulative Bonus of 33.33%

Health Gain Insurance Policy (Pros)

  • Second Opinion Cover
  • Vaccination Cover
  • Health Check-up Cover
  • Home Care Treatment
  • Vision Correction Cover

Health Gain Insurance Policy (Cons)

  • Unproven Treatments Unavailable
  • Overseas treatment Unavailable
  • Hazardous Activity not covered
  • Infertility Treatment not covered
  • Cosmetic Surgery unavailable

Health Gain Insurance Policy (Other Benefits)

  • Companion Cover
  • Child Care Cover
  • Radio Taxi Cover
  • Convalescence Cover
  • Air Ambulance Cover

Health Gain Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L to 1 Cr
  • Waiting Period - 30 Days

Comprehensive Plan

A plan that covers you and your family offering a sum insured of 5 lakhs to 5 crores. The plan offers 15 different types of discounts.

Unique Features

  • No Sub-limits on benefits
  • Robotic surgery for quick recover
  • 90 days free cancellation

Health Infinity Insurance (Pros)

  • 10% Online discount
  • 5% Early Bird Discount
  • 10% Stay Healthy Discount
  • Credit score discount
  • Concurrent Disclosure Discount

Health Infinity Insurance (Cons)

  • No Obesity Treatment Cover
  • Infertility Treatment Unavailable
  • No Alternative treatments
  • Out-patient not covered
  • Cosmetic Surgery unavailable

Health Infinity Insurance (Other Benefits)

  • 5% Girl Child Discount
  • Restore Benefit
  • 2.5% Vaccination Discount
  • 5% BMI Discount
  • 2.5 % Renewal Discount

Health Infinity Insurance (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 5 L to 5 Crore
  • Waiting Period - 30 Days

Personal Accident Plan

Reimburses the medical expenses incurred during the treatment arising out of the accident and covers disability or death caused by accidents.

Unique Features

  • Child Education Benefit
  • Avail World Wide coverage
  • Zero Paperwork required

Personal Accident Policy (Pros)

  • Carriage of Mortal Cover
  • 5% Increase On SI
  • Flexible Policy
  • Day Care Procedures Covered
  • Accident Death Benefit

Personal Accident Policy (Cons)

  • No Suicide Cover
  • Obesity Treatment Unavailable
  • No Pregnancy Cover
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Personal Accident Policy (Other Benefits)

  • Permanent Disability Covered
  • Easy Claim Process
  • Medical Extension Cover
  • AYUSH treatment Cover
  • No Medical Test

Personal Accident Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 20 L
  • Waiting Period - 30 Days

Affordable Plan

An affordable and comprehensive policy that covers medical expenses & offers flexibility by providing 3 variants- Gold, Silver & Standard.

Unique Features

  • 7% discount for girl child
  • No sub limit on room rent
  • Nursing allowance available

HealthWise Insurance Policy (Pros)

  • Stem Cell Treatment Cover
  • Domiciliary Hospitalisation
  • Health Check-up Cover
  • Critical Illness Covered
  • Donor Expenses Covered

HealthWise Insurance Policy (Cons)

  • No Breach of law Cover
  • No Dietary Supplements Cover
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

HealthWise Insurance Policy (Other Benefits)

  • Recovery Benefit
  • Road Ambulance Cover
  • Day Care Procedures Covered
  • Critical Illness Cover
  • 5 % Renewal Discount

HealthWise Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 5 L
  • Waiting Period - 30 Days

Critical Illness Plan

Reliance critical illness health insurance is specifically designed to provide protection to an individual against 10 life-threatening diseases.

Unique Features

  • No pre-medical required
  • Lump-sum Payment
  • Coverage up to 10 Lakhs

Critical Illness Policy (Pros)

  • Open Heart Replacement
  • 10 Critical Illnesses Covered
  • Tax Benefit
  • Permanent paralysis Covered
  • Kidney failure Covered

Critical Illness Policy (Cons)

  • No PED Cover
  • No Alcoholism Cover
  • No Gender Change Treatment
  • HIV/AIDS not covered
  • No Suicidal Cover

Critical Illness Policy (Other Benefits)

  • Flexible Policy Period
  • Organ Transplant Cover
  • Total Blindness Covered
  • Third Degree Burns Cover
  • Cancer Cover

Critical Illness Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 10 L
  • Waiting Period - 3 Months

Hospital Cash Benefits

Reliance HospiCare Insurance

A hospital cash benefit plan provides a lump sum payout on listed surgeries and daycare procedures occurring due to illness and injuries.

Unique Features

  • 150+ surgeries covered
  • Health check-ups covered
  • Dengue hospitalization covered

HospiCare Insurance (Pros)

  • Health Check-Up
  • ICU Charges Covered
  • Ambulance Cover
  • Day Care Expenses Covered
  • Dengue Cover

HospiCare Insurance (Cons)

  • No Global Cover
  • Alcoholism Cover Unavailable
  • Hazardous Activity not covered
  • No Suicide Cover
  • Cosmetic Surgery unavailable

HospiCare Insurance (Other Benefits)

  • 10% Online Discount
  • 10% Policy Tenure Discount
  • 100% SI on Surgical Procedure
  • 10% Existing Customers Discount
  • SI Enhancement on Renewal

HospiCare Insurance (Eligibility Criteria)

  • Entry Age - 3 Months
  • Max Entry Age - 65 Years
  • SI - 1 L to 10 L
  • Waiting Period - 90 Days

Super Top-up Plan

Reliance Super-Top up Insurance

Cover the expenses of the treatment after your basic health insurance coverage is exhausted. The plan offers coverage of upto INR 1.30 Crore.

Unique Features

  • Maternity expenses
  • Air Ambulance cover
  • Worldwide Emergency Cover

Super-Top up Insurance (Pros)

  • Road Ambulance Cover
  • 50% Cumulative Bonus
  • Waiver of Deductible
  • Day Care Procedures Covered
  • Health Check-Up Cover

Super-Top up Insurance (Cons)

  • No Suicide Cover
  • Dietary Supplements Not Covered
  • Refractive Error not covered
  • Weight Control not covered
  • Cosmetic Surgery unavailable

Super-Top up Insurance (Other Benefits)

  • Free Health Check Up
  • Domiciliary Hospitalization
  • Modern Treatments Cover
  • AYUSH treatment Cover
  • Organ Donor Cover

Super-Top up Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 5 L to 1.30 Cr
  • Waiting Period - 30 Days

Standard Plan

A standard and affordable health plan that offers medical coverage to individual and their families with a coverage of up to 10 Lakhs.

Unique Features

  • Special treatments Cover
  • Daycare treatments covered
  • Dental Treatment

Arogya Sanjeevani (Pros)

  • Ayush Benefit
  • Cataract Treatment
  • Flexible Policy
  • Cumulative Bonus
  • Pre & Post Hospitalisation

Arogya Sanjeevani (Cons)

  • 5% Co-payment
  • No Unproven Treatments
  • No Dental Treatment
  • No Domiciliary Hospitalization
  • Cosmetic Surgery unavailable

Arogya Sanjeevani (Other Benefits)

  • 5% Customer Discount
  • 3% Renewal Benefit
  • Inpatient Care Cover
  • 10% Family Discount
  • Special treatments Cover

Arogya Sanjeevani (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI -50 Thousand to 10 L
  • Waiting Period - 30 Days

Personal Accident Plan

Reliance Saral Suraksha Bima

Saral Suraksha Bima protects the insured for an accident and its aftermath like death or permanent disability.

Unique Features

  • SI of 1 crore
  • Discount on add-on
  • Lifelong renewal

Saral Suraksha Bima (Pros)

  • Permanent Total Disablement
  • Permanent Partial Disablement
  • Death Benefit
  • Education Grant To Child
  • Spouse Cover

Saral Suraksha Bima (Cons)

  • No Global Coverage
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • No War Injury Cover
  • Cosmetic Surgery unavailable

Saral Suraksha Bima (Other Benefits)

  • Lifelong Renewal
  • 100% Benefit on SI
  • Family Covered
  • Lifetime Renewal
  • No Waiting Period

Saral Suraksha Bima (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 2.5 L to 1 Cr
  • Waiting Period - 30 Days

Group Health Plan

A comprehensive plan that covers a group of people working in an organization, & looks after unexpected medical expenses of the group members.

Unique Features

  • Bariatric surgery covered
  • Pre & post hospitalization
  • Maternity Benefit available

Group Mediclaim Policy (Pros)

  • Inpatient care
  • Family Cover
  • Cashless Treatment
  • 9,100+ Network Hospitals
  • Tax benefit

Group Mediclaim Policy (Cons)

  • No Domiciliary hospitalization
  • Lasik Surgery Unavailable
  • Septoplasty not covered
  • Ozone Therapy not covered
  • Robotic treatment unavailable

Group Mediclaim Policy (Other Benefits)

  • 7 to 1000 Workers Covered
  • Road Ambulance Cover
  • Day Care Procedures Covered
  • AYUSH treatment Cover
  • Room rent charges covered

Group Mediclaim Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50,000 & 1,00,000
  • Waiting Period - NA

Corona Plan

An affordable health insurance policy that protects you and your family against hospitalization expenses that occur due to COVID-19.

Unique Features

  • Coverage up to 5L
  • Home cover available
  • Hospital daily cash cover

Corona Kavach Policy (Pros)

  • AYUSH Cover
  • Nursing Expenses Cover
  • Flexible Policy Period
  • PPE Kit Cover
  • ICU Cover

Corona Kavach Policy (Cons)

  • Dietary supplements unavailable
  • Obesity treatment unavailable
  • OPD not covered
  • Unproven treatments unavailable
  • Cosmetic Surgery unavailable

Corona Kavach Policy (Other Benefits)

  • Parents-in-law Cover
  • Road Ambulance Cover
  • Hospitalisation Expenses
  • AYUSH treatment Cover
  • Dependent Child Covered

Corona Kavach Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 5 L
  • Waiting Period - 15 Days

Corona Plan

Corona Rakshak Policy

An affordable health insurance policy that offers lump sum benefits to the insured if diagnosed with COVID-19.

Unique Features

  • Coverage up to 2.5L
  • Affordable premiums
  • Avail lumps benefit

Corona Rakshak Policy (Pros)

  • 71 hours of hospitalization benefit
  • Get 100% of SI back
  • Flexible policy
  • 15 days waiting period
  • Tax Benefit

Corona Rakshak Policy (Cons)

  • Pre Existing Disease Not Covered
  • Obesity Treatment Unavailable
  • No Global Coverage
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Corona Rakshak Policy (Other Benefits)

  • Hassle-Free Claim Settlement
  • Road Ambulance Cover
  • Mild Symptoms Cover
  • Discounts on Plan
  • No Pre Policy Checkup

Corona Rakshak Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 50 Thousand to 2.5 L
  • Waiting Period - 15 Days

Health Plan

Reliance Specially Abled Health Insurance

A plan designed to meet the needs of a specially-abled community. It covers the cost of hospitalization and many modern treatments.

Unique Features

  • 9100 + Network Hospitals
  • Pre Existing Disease Covered
  • Specified Disease Cover

Specially Abled Health Insurance (Pros)

  • Affordable Plan
  • Modern Treatment Cover
  • Flexible Policy
  • Cataract Covered
  • Emergency Ground Ambulance

Specially Abled Health Insurance (Cons)

  • No War Injury Cover
  • Obesity Treatment Unavailable
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Specially Abled Health Insurance (Other Benefits)

  • AYUSH Cover
  • Road Ambulance Cover
  • Pre- Post Hospitalization
  • Tax Benefits
  • In- Patient Hospitalization

Specially Abled Health Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 4 L to 5 L
  • Waiting Period - 30 Days

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Naval Goel

Reviewed By: Naval Goel

Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.