Life Cover
Term insurance sized to replace your income and clear liabilities, so your family keeps the life you planned for them.
Risk Management
Protect the Plan
You Worked to Build
The biggest threat to your financial plan is not a bad investment. It is an unplanned event that forces you to sell one. A medical emergency, a disability, or an untimely death can undo a decade of disciplined saving in months. Risk management finds where your finances are exposed and puts the right protection in place.
Where You Are Exposed
Cover the Gaps
Before They Open
Every household carries risks it has never named. We identify them and match each one to the right protection at the right cost.
Health Cover
A medical event should never drain your savings. We size health cover for real hospital costs, not token amounts.
Critical Illness
A lump sum on diagnosis of a major illness, covering income loss and treatment that regular health plans do not.
Disability Cover
Protection for the income you would lose if an accident or illness stopped you from working.
Emergency Reserve
Liquid savings that absorb shocks without touching long term investments or reaching for high cost credit.
Asset and Liability
Cover for your home and key assets, plus a plan so outstanding loans never become a burden on your family.
Our Process
How We Close
Your Risk Gaps
Protection is not about buying the most insurance. It is about covering the right risks with the right amount and nothing wasted.
01
Risk Audit
We list every financial risk your household carries, from income loss to liabilities and dependants.
02
Gap Analysis
We compare your current cover against what an event would actually cost, and find the shortfall.
03
Right Sizing
We match each risk to the correct cover and amount, avoiding both under insurance and wasteful over insurance.
04
Review
Cover is updated as income, family, and liabilities change, so protection never falls behind your life.
Why It Matters
One Event Should
Not Undo a Decade
A long hospital stay can cost several lakhs and erase years of saving in weeks
Without cover, a single event forces you to sell investments at the worst time
Term cover is the cheapest way to protect a family's entire financial future
Critical illness and disability fill gaps regular health plans leave open
An emergency reserve keeps short term shocks out of your long term plan
Why Hemvan
Protection Sized
to Real Costs
We recommend cover based on what an event truly costs your family, not on what earns the largest commission.
Cover sized to real hospital and income replacement costs
Comparison across multiple insurers for fit and value
Term first approach with riders only where they add value
Claims guidance so the cover works when it is needed most
Get Protected
Secure your plan
against the unexpected.
Let us review where your finances are exposed and put the right protection in place, clearly and without the usual confusion.