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About Us

Mr. Devarajan

With 20+ years in the insurance field and 19+ years in health insurance, Mr. Devarajan offers expert guidance to help you lead a peaceful, healthy life.We Offer Free Consultation to review Ur Existing Policies, Free Services regarding Claims Free Consultation to suggest suitable Plans for Ur Need
Trusted Star Health Insurance Agent in Nanganallur, Chennai.
Contact Mr. Devarajan (9840177017) for Health, Life, Car, and LIC Insurance Services

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Insurance

Our Strength

Expert Guidance
Expert Guidance in Life, Health & General Insurance – Tailored to Your Needs
Trusted Support
Trusted Support with Transparent Advice and Hassle-Free Claims Assistance
Decades of Experience
Decades of Experience with Customer-First Service You Can Rely On

Greeting Of The Day

News

10/07/2025

Your income tax refund for AY 2025-26 is delayed? Experts explain new rule behind holding back ITR refunds

As ITR filing for AY 2025-26 picks up pace, reports suggest the government may delay issuing tax refunds until past assessments are cleared under Section 245. Experts warn this move could hurt honest and salaried taxpayers who rely on timely refunds for financial planning and liquidity.

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08/07/2025

Life and health insurance mistakes even smart investors make

Common mistakes when buying insurance: Smart investors often make common mistakes when buying insurance — such as underestimating the importance of term insurance, relying solely on employer-provided cover, or prioritising lower premiums over policy features and claims support — which can result in inadequate coverage and financial vulnerability.

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FAQ

1️⃣ Claim Intimation (Mandatory Step)

You must intimate Star Health about the hospitalization as early as possible. You can do this by:
📞 Calling the Toll-Free Number: 1800 425 2255 or 044-6900 6900
📱 Using the Star Health App: Available on Google Play Store. Log in with your registered mobile number and raise a claim request.

Once intimation is done, you will receive a Claim Intimation Number, which is mandatory for further processing.

2️⃣ Required Documents for Reimbursement

Please ensure the following documents are submitted:

  • ✅ Claim Form A – Filled and signed by the insured (you)
  • ✅ Claim Form B – Filled and signed by the treating hospital
  • ✅ Original hospital discharge summary
  • ✅ All hospital bills and receipts
  • ✅ Doctor's prescriptions
  • ✅ Medicine/pharmacy bills
  • ✅ Diagnostic test bills & reports (Blood test, Scan, ECG, etc.)
  • ✅ KYC Documents – Copy of PAN Card and Aadhaar Card
  • ✅ Cancelled Cheque Leaf – For NEFT settlement

❓ What is Health Insurance?

🏥 It covers your hospital and medical bills when you fall sick or meet with an accident.

💡 It’s a plan that protects both your health and your savings by paying for hospitalization during illness or accident.

📞 Call 9840177017 to choose the best policy for your family.

💖 Why Women Care Policy?

To Every Modern Woman… This is for YOU!

You handle so much —
🏠 Managing the home…
💼 Balancing a career…
😓 Dealing with stress…
🤱 Caring for children and family…
🧘‍♀️ Yet often forgetting to care for yourself.

But do you know?

  • 🔸 Women today face rising health risks like:
    • Stress-related issues
    • PCOS, infertility treatments
    • Breast, cervical & ovarian cancer
    • Pregnancy and delivery expenses
    • Lifestyle diseases at an early age
  • 🔸 Medical costs are rising — one hospital visit can burn a hole in your savings.

That’s why having a health insurance plan is not just a choice —
It’s a strong woman’s responsibility to herself and her family.

💡 With a good health plan like [Star Health Women Care Plan]*:

  • ✔ Covers maternity, fertility, cancer, and hospital expenses
  • ✔ Offers annual health check-ups and wellness benefits
  • ✔ Helps protect your future and your family in unexpected times

💬 Dear Woman,
You take care of everyone — now it’s time to take care of YOU.

Invest in your health today.
Because your health is your real wealth.

– Ct Devarajan | Trusted Insurance Advisor in Chennai

🌟 Why You Should Choose Star Health Critical Illness Multipay Policy

The Star Critical Illness Multipay Policy offers comprehensive financial protection against life-threatening diseases. It is specially designed to support you and your family during times of medical crisis—without worrying about money.

✅ Key Benefits of Star Critical Illness Multipay Policy:

  • Covers 37 Major Critical Illnesses – Including heart attack, cancer, stroke, kidney failure, organ transplant, and more.
  • Multiple Claims Allowed – You can make up to 4 claims for different critical illnesses from separate groups.
  • Lump Sum Benefit on Diagnosis – No hospitalization bills required. Get a lump sum payout immediately after diagnosis.
  • Waiver of Future Premiums – After your first approved claim, all future premiums are waived off.
  • Income Support During Recovery – Focus on your recovery without financial stress. Helps you manage your lifestyle expenses while you heal.

📌 Who Should Consider This Policy?

This policy is ideal for:

  • ✅ Individuals with a family history of critical illnesses
  • ✅ Anyone seeking against major health risks
  • ✅ Working professionals, breadwinners, or entrepreneurs

Don't let medical emergencies drain your savings. With the Star Health Critical Illness Multipay Plan, you're always prepared.

– Ct Devarajan | Trusted Insurance Advisor in Chennai

Buying life insurance protects for your dependents after you. It provides financial security, helps to pay off debts, live life smoothly even after you. Life insurance can give you lasting peace of mind in terms of the assurance that you have provided a legacy. It gives… Guaranteed protection, Income replacement, Guaranteed cash value growth
LIC is one of the largest insurance companies in India which offers wide range of life insurance plans. LIC offers term plans with affordable premiums and high coverage. LIC has good Claim Settlement ratio compare to other Life Insurance Companies. It has raised Trust over the years. With its customer-centric approach, LIC has become one of the top Life Insurers in India, and 5th largest in the world. For more details, you can call me on my given number in Contact Us page.
We never know because Emergency never knocks, it comes suddenly. Risinsg medical costs shouldn’t be the hurdle to get superior medical treatment. We should have Health Insurance because it protects our savings during medical emergencies. It provides cashless claim benefit, which allows you to take care of your health instead of worrying about hefty medical bills.

📄 Procedure for Changing Nomination in LIC Policy

What is a Nomination?
A nomination is the process by which a policyholder identifies a person (nominee) to receive the policy proceeds in the event of the policyholder’s death during the policy term. The nominee is usually a close family member.

🔹 When and How Can Nomination Be Done?

✅ A policyholder can make a nomination:

  • 📝 At the time of taking the policy – by filling in the nominee’s details in the proposal form
  • 📌 Or at any time later – by giving notice to LIC in the prescribed format

Nomination made later must be endorsed on the back of the original policy document. It does not require stamping.

🔄 Process to Change Nomination in LIC Policy

A policyholder can change the nominee any number of times during the policy term. To change the nomination:

  • 📄 Submit Form 3750 (Nomination form) to the LIC office
  • 🔁 The new nomination will be endorsed on the policy bond
  • 🚫 The existing nominee does not need to be informed or consent

The change of nomination becomes effective once the endorsement is made by LIC on the policy document.

📂 Documents Required for Changing Nomination

  • 1️⃣ Proof of relationship between the policyholder and the nominee
  • 2️⃣ Duly filled and signed Form No. 3750
  • 3️⃣ Original Policy Bond for endorsement

💡 Note: Only the Life Assured can make or change the nomination during the policy term.

– Ct Devarajan | Trusted Insurance Advisor in Chennai

You can update your Contact Address on your policy based on Offline Aadhaar. Tap on the below given link and follow the process. Link : https://ebiz.licindia.in/D2CPM/?_ga=2.155407163.1855131267.1643959747-1137006311.1629281366#SelfAddressChange
You can pay premium online by clicking on the link given below. https://licindia.in/Home/Pay-Premium-Online It will redirect you on LIC website. If you don’t want to register then you can select ‘Pay Direct’ option. 1) Select Renewal option from the drop down list. 2) Put Policy No, DOB, Mobile Number, Email id & Premium (without any tax) 3) And Pay the Premium

Blog

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Every Woman Deserves Financial Freedom
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