Services
Six services. Built to work together.
We don't sell stocks, we don't do tax filing. We go deep where it matters most for families — the right insurance and a plan you can actually follow.
01 · Health Insurance
Cover that actually pays when it matters.
Family floater and individual cover from India's top insurers — chosen for claim ratio, hospital network and your specific health profile, not for the broker's incentive.
What you get
- Family floater plans across leading insurers
- Senior citizen and pre-existing-condition plans
- Top-up and super top-up cover for high-claim years
How we work
We profile the family, shortlist 3 candidate policies, and walk you through trade-offs — sub-limits, room-rent caps, waiting periods — before you commit. Renewal reviews are built in.
02 · Life Insurance
Term cover first. Everything else only if it fits.
Pure-protection term plans that actually pay your family, plus guaranteed-return and savings plans matched to specific milestones.
What you get
- Term insurance sized to your liabilities + income
- Guaranteed savings plans for short-horizon goals
- ULIPs only when the math genuinely works
How we work
Term cover comes first. Investment-linked life products are recommended only when they outperform a clean term + mutual-fund combination on your numbers.
03 · Mutual Funds & SIPs
Direct, goal-tagged portfolios.
Equity, debt and hybrid funds — selected for fit, not for AMC-relationship reasons. Rebalanced as your life and goals shift.
What you get
- Goal-based SIPs for each life milestone
- Lumpsum deployment with staggered entry
- Annual portfolio reviews, written and shared with you
How we work
Every SIP is tagged to a goal — home, education, retirement, freedom corpus. Reviews don't chase last year's winners; they check whether you're still on track for the goal.
04 · Retirement Planning
A written road to a stress-free retirement.
From your current corpus to your retirement number — including NPS, annuities, withdrawal strategy and a buffer for the unexpected.
What you get
- Retirement corpus calculation tied to your real lifestyle
- NPS advisory and asset-allocation guidance
- Decumulation strategy — what to withdraw, in what order
How we work
We model inflation, income gap, life expectancy and a one-bad-year buffer. The output is a one-page plan you can re-read every year.
05 · Child Education Planning
School, college, and the unknowns after.
Plan for the realistic cost of education — including overseas options — with the right blend of equity SIPs, child plans and education-loan strategy.
What you get
- Education goal maps with inflation-adjusted targets
- Child plans only where they outperform the alternative
- Loan-vs-corpus strategy for the final stretch
How we work
We start from the target year and the target school, work the inflation back to today, and choose the simplest combination that gets you there.
06 · Claim Assistance
We stay with you until the claim is settled.
End-to-end help when it matters most — cashless coordination, document handling, and grievance escalation if a claim is disputed.
What you get
- Cashless approval coordination with the hospital + TPA
- Reimbursement file preparation and tracking
- Disputed-claim escalation including IRDAI grievance
How we work
One WhatsApp message kicks off the process. We coordinate directly with the insurer and the hospital — most clients don't need to chase a single document.
Frequently asked
Questions families actually ask us.
Do you charge a fee?
No fee from you for insurance — we are paid a regulated commission by the insurer. For financial planning, we may charge a one-time engagement fee depending on scope; that's always disclosed upfront.
Which insurers and AMCs do you work with?
All major Indian health and life insurers, and direct mutual fund schemes across leading AMCs. We're not tied to any single brand — the recommendation depends on your situation, not their target.
How does claim assistance actually work?
We coordinate directly with the insurer's TPA and the hospital on your behalf — cashless approvals, documentation, follow-ups, and any disputed-claim escalation. Most clients don't need to chase anything themselves.
Can I move my existing policies and SIPs to VittaSure?
Yes. For insurance we'll review your existing covers and only suggest changes when they materially improve outcomes. For mutual funds we can map your existing portfolio under our service so reviews and rebalances are coordinated.
Do you serve clients outside Maharashtra?
Yes — all of India. Most planning conversations happen over video and WhatsApp. We currently work with clients across more than ten states.
Which languages can we work in?
English, Hindi, Marathi and Marwadi — whichever you and your family find most natural.
Let's talk
Not sure which one you need?
A 30-minute call is usually enough to figure it out. No fees, no pressure.