Insurance

One Advisor. All Your Protection Needs. Zero Confusion.

Are You Truly Protected?

Most people in India believe they are insured. But when we review their actual covers, the reality is very different — inadequate sum insured, wrong policy type, critical gaps in protection, or policies they don’t even understand.

At Skyheight Consulting, we take a 360° view of your protection needs before recommending anything. Because true financial security isn’t just about saving and investing — it’s about making sure everything you’ve built cannot be wiped out by a single unexpected event.

The 3 Pillars of Complete Protection

❤️ Life Insurance	🏥 Health Insurance	🏠 General Insurance
Protects your family’s income if you’re no longer there. Term Life Insurance ULIP Endowment	Protects your savings from medical emergencies and critical illness. Personal Health Insurance Family Health Insurance Critical Illness	Protects your assets — vehicle, home, travel, and physical safety. Vehicle Insurance Travel Insurance Home Insurance Accident Insurance

Most Indians Have a Dangerous Protection Gap

A protection gap is the difference between the financial cover you have and the cover you actually need. In India, this gap is massive — and most people don’t realise it until a claim is rejected or a payout falls far short.

Scenario	What Most People Have	What They Actually Need
Life Cover	₹5–10 lakh group cover from employer	₹1–2 Crore term plan (10–15x income)
Health Cover	₹3–5 lakh employer group plan	₹10–20 lakh personal family floater
Accident Cover	Nothing	Personal accident policy (5–10x income)
Vehicle Cover	Third-party only (mandatory minimum)	Comprehensive + zero dep add-on
Home Cover	Nothing	Structure + contents policy

💡  Don’t know where you stand? Our free Protection Audit takes 15 minutes and tells you exactly what’s missing in your current covers.

All Insurance Products We Offer

❤️ Life Insurance

• Term Life Insurance: Pure protection at the lowest cost. ₹1 Crore cover from ~₹600/month.
• ULIP: Insurance + investment combination for long-term wealth creation.
• Endowment / Money-Back: Guaranteed returns with life cover for conservative investors.
• Whole Life Insurance: Lifetime coverage for estate planning and legacy creation.

🏥 Health Insurance

• Individual Health Plan: Dedicated coverage for a single person.
• Family Floater Plan: One policy covers your entire family — the most cost-effective option.
• Critical Illness Cover: Lump sum payout on diagnosis of cancer, heart attack, stroke, and more.
• Senior Citizen Plans: Tailored cover for parents aged 60+.
• Top-Up / Super Top-Up: Affordable way to boost your existing coverage.

🚗 Vehicle Insurance

• Comprehensive Car Insurance: Covers your vehicle + third-party liability.
• Two-Wheeler Insurance: Comprehensive cover for bikes and scooters.
• Add-Ons: Zero depreciation, engine protect, roadside assistance, RTI, NCB protect.

✈️ Travel Insurance

• International Travel: Medical emergencies, trip cancellation, baggage loss abroad.
• Domestic Travel: Flight delays, cancellations, and accident cover within India.
• Annual Multi-Trip Policy: Best value for frequent travellers.
• Student Travel: Comprehensive protection for students studying abroad.

🏠 Home Insurance

• Structure Cover: Protects your building against fire, floods, earthquakes, and more.
• Contents Cover: Protects furniture, appliances, jewellery, and belongings.
• Renters / Tenant Cover: Insure your contents even if you don’t own the property.

🦺 Personal Accident Insurance

• Accidental Death Benefit: Full sum assured paid to family in case of accidental death.
• Permanent Disability Cover: Lump sum for total or partial permanent disability.
• Temporary Disability / Income Replacement: Weekly compensation while you recover and cannot work.

Why Skyheight Consulting Services — Not Just Any Agent

Typical Insurance Agent	Skyheight Consulting
✗  Represents one insurer only	✓  Works with multiple insurers — unbiased
✗  Sells what pays the highest commission	✓  Recommends what suits your life and budget
✗  Disappears after the sale	✓  Supports you through every claim
✗  No formal qualifications	✓  IRDA, AMPHI and NSE certified
✗  Rarely reviews your portfolio	✓  Annual review included for all clients
✗  Complicated jargon	✓  Plain language — always

Our Simple 4-Step Process

What Our Clients Say

“A very good financial advisor with a true guider towards achieving the best of all the financial aspects. So down to earth and value spending time knowing information from her.”  — Aarti Mishra

“Sonal is a very dedicated, knowledgeable and thorough professional. She guided me and answered all my queries very gracefully.”  — Gagan Kohli

Frequently Asked Questions

Q: Do I need all three types of insurance?

A: In most cases, yes. Life insurance protects your family’s income. Health insurance protects your savings from medical bills. General insurance protects your physical assets. Together they create a complete safety net — and the good news is that all three combined are more affordable than most people expect.

Q: How do I know if I’m already adequately covered?

A: Most people can’t answer this question accurately — and that’s completely normal. That’s why we offer a free Protection Audit. In 15 minutes, we review your existing covers and tell you exactly where you stand.

Q: Is there any fee for your consultation?

A: No. Our initial consultation and protection audit are completely free. We earn through commissions from insurers when a policy is placed — and we always disclose this upfront.

Q: Can you help with claims?

A: Absolutely. Claims support is a core part of what we do. We guide you through documentation, follow up with insurers, and ensure your claim is settled fairly and quickly.

Q: Can I review and change my existing policies through you?

A: Yes. We’re happy to review policies you’ve already bought — whether through us or elsewhere. If something isn’t working for you, we’ll tell you honestly.