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About Us
Merabima Insurance Brokers Private Limited is an unlisted private company incorporated on 09 August, 2021. It is classified as a private limited company and is located in New Delhi, Delhi. It's authorized share capital is INR 1.00 cr and the total paid-up capital is INR 75.00 lac. It's objective: bringing transparency in insurance. The founders Aim is to be the most efficient and preferred insurance intermediary for our customers pan India. It is our endeavour to be the most trusted partner for our clients, helping them in their investment decisions through our highly experienced consultants.
Our Objective is to deliver efficient solutions to all our clients and maintain continuity of relationship with all stakeholders. We believe in delivering innovative and effective insurance and risk management solutions,We ensure to maintain a high level of professionalism.We are an honest life insurance company, committed to doing what is right.
A family health insurance is the type of health insurance that covers your family members in a single policy with a fixed sum insured. This type of health insurance for a family provides coverage to two or more family members under a single policy. The family members can include spouse, dependent children, and parents.
The premium that you pay towards a family floater plan is lesser than the combined premium you pay towards a different policy for every family member.
The sum insured is fixed for all the members that are covered under a single policy. The sum gets depleted as and when any insured member avails of all the policy's benefits and files a claim. If the sum insured gets exhausted after it is used on one family member, the other members cannot file a claim till the sum is renewed at the end of the policy term.
You can add a new member at the renewal of the policy term. However, one cannot add a new member in the middle of a policy term.
You can check the status of your claim by contacting your insurance provider, and you can check the status of your claim online as well.
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Let’s find you the most suitable insurance plan
We provide a wide range of insurance solutions for individuals as well as groups. We are committed to catering to our customers’ various financial protection needs such as securing their child’s future, retirement planning, savings and wealth creation.
Life Insurance
Why Life Insurance ?
Child Saving Insurance
Why is it important to save for your children ?
Travel Insurance
Secure your Travel , with our travel insurance PLAN
Family Health Insurance
A family health insurance is the type of health insurance that covers your family members in a single policy with a fixed sum insured.
Car Insurance
Car insurance is a legal contract between the insurer and the insured that makes the insurer liable to cover any damages that occur to your car in case of an accident.
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Term Life Insurance
Term Life insurance provides coverage for a fixed period of time at a fixed premium rate.
Health Insurance
Health insurance takes care of your medical expenses and ensures that out-of-pocket expenses are curtailed up to the Sum insured.
Two Wheeler Insurance
Motor insurance is compulsory for any vehicle that is plying on the roads in India. Every owner/driver should have a valid motor vehicle insurance policy.
Meet Our Business Leaders
GAURAV JOSHI
Director & Promotor
Creative professional with extensive insurance and brokering experience encompassing 12 rewarding years. Dedicated Insurance Broker with strong industry ties and relationships. Demonstrates loyalty to clients and provides knowledgeable and compassiona
Ms. Neha Srivastava
Director & Promotor
Experienced professional of more than 12years in Life/Health Insurance. I have lived my life building Team’s from scratch, the reason of my entrepreneur journey was to be able to generate employment at mass level. I have learnt so much in my 12 years of career and the best part, I am still learning every single day, and loving it.
Mr. Darshan Kumar
Principle Officer
The Oriental Insurance Company Limited Administrative Officer, Head Office New Delhi Served in the Govt. of India PSU for 27 years. Aim is to be the most efficient and preferred insurance intermediary for our customers pan India. Thank-you
Latest Articles
Difference Between Life Insurance and General Insurance?
When you invest in an insurance policy for yourself and your loved ones, it promises to help you deal with times of crisis. Many people only have a basic understanding of insurance policies. You pay a certain amount of premium to the insurance provider, and in return, they offer financial compensation in the event of happening of the insured event. There are different kinds of insurance policy that cover various scenarios. Many might not be aware that there is a difference between life insurance and general insurance. It is essential to understand them thoroughly to make a sound financial decision. What is Life Insurance? A life insurance policy is a life cover to put it simply. It is a contract that bounds the insurance provider to offer financial compensation to the beneficiary in case of the unfortunate events covered under the policy, like the insured’s untimely demise. In exchange, the policyholder pays a predetermined amount as regular premiums or single premium. What is General Insurance? General Insurance is any policy that covers assets and valuables such as a vehicle, home, travel, and health against damage, loss or theft, and many other liabilities. The critical difference between life insurance and general insurance is that the latter offers financial protection against damage or loss other than life.
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What Is Insurance Premium?
Many people look forward to knowing what is premium in insurance before buying any plan. In general, they need to pay the total insurance premium in instalments. In some cases, they can pay the entire amount upfront before the start of the policy. Policyholders must pay the premiums on time to avoid cancellation of their plan. Insurance providers stipulate the insurance premium amount beforehand, depending on the coverage and other factors related to the insured. These often include assessing the likelihood of making claims, employment details, their medical condition, among others. How to Calculate Insurance Premiums? One of the most crucial financial decisions in one’s life is to invest in insurance policies. Life insurance, to be precise, acts as a safeguard for your family’s well-being after you. As a policyholder, it is crucial for you to understand insurance premium meaning and recognize your specific requirements to determine the sum assured accurately. Life insurance premiums are in place to keep the policy in force. These insurance premiums are carefully determined based on several factors related to the insured’s life. Therefore, you must understand these factors that may affect the amount, making it higher or lower, including the possible discount on insurance premium payment.
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What is Life Insurance Policy?
As per the life insurance definition, the insurer (insurance company) pays a sum assured to the policyholder or to the named nominees in case the policyholder meets with an untimely demise in exchange for the premium payments made towards a life insurance policy. Based on the arrangement, in the event of the death of the policyholder or, if the policy matures, the insurance provider shall pay the person or his family a lump sum amount after a certain amount of time. There are different types of life insurance policies to suit the individual needs and requirements of the policy buyers. Understanding life insurance definition, its benefits and features is important before you buy one. Read on to know more about what is life insurance meaning for you. What Are the Benefits of Life Insurance Plans? Once you get an understanding of what is life insurance meaning, as well as the different types of life insurance policies, you will find that there are 3 main advantages of getting the best life insurance policy that you should know about. Following are the 3 primary benefits offered by different types of life insurance policy: 1. Financial Security Life is unpredictable and can be full of uncertainties. It is difficult to reduce the possibility of an unfortunate event like death. In such a scenario, the family faces financial constraints arising from the lack of a steady income. Investing in the best life insurance policy early on in life acts as a safety blanket during such eventuality. According to the life insurance definition, the insurance provider is obliged to pay the nominee or beneficiary the pre-defined sum assured. As a result, even in the policyholder’s absence, his family stays protected.
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Types Of Life Insurance Policies in India
Choosing from the different types of life insurance in India is a crucial financial decision, as it helps you protect your loved ones from life’s uncertainties. Still, you may not be fully aware of the types of life insurance policy in India and how they affect your financial health. Let’s check the types of life insurance and their benefits in detail below. Different Types of Life Insurance Policies in India Following are the types of life insurance available in India: [1] Term insurance Term insurance with return of premium Unit Linked Insurance Plans Endowment plans Moneyback policy Whole life insurance Group life insurance Child Insurance Plans Retirement Plans
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8 Reasons Why Buying A Car Insurance Is Beneficial
If you own a car, you surely need a car insurance with it not just because it is mandatory but because it offers a host of benefits too. 8 such vital benefits of motor insurance are mentioned in this post. With the increasing income of people in India, buying a four-wheeler is now within reach of a lot of people. An important outcome of the increasing sales of motor vehicles is the steady rise in traffic which ultimately leads to more accidents. The financial losses during such accidents can be vast. It is with the help of an insurance policy that car owners can protect themselves from such losses. And with the easy availability of car insurance online, buying an insurance policy is now like a walk in the park. The policy offers a host of benefits which every owner should surely take advantage of. Let us have a look at 8 such benefits. It is Mandatory The most important reason for buying a car insurance is because it is mandatory as per the Motor Vehicles Act of 1988. If found without valid insurance, you’ll have to pay the penalty, and it can also lead to cancellation of your driving license. Covers Car and Property Damage Accidents can cause damages to other vehicle and even property of a 3rd party. With a good insurance, you can be rest assured that the policy will pay for the expenses and you’ll not be required to pay from your pocket. Thus, next time when you make car insurance comparison, make sure you check the amount of damage covered by your policy. Covers Personal Injury Apart from vehicle and property damage, accidents can also cause personal injury which can be very severe at times. Some policies also cover personal injury so that you don’t have to pay for the treatment of a person who has suffered injuries due to an accident involving you and your vehicle. Number of Riders Available You can also find a host of riders which you can buy along with a car insurance policy online or offline. Some popular riders include zero depreciation
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Know Before You Buy Two Wheeler Insurance
It is best to buy a two-wheeler insurance policy whose coverage starts as soon as you buy a new bike. Purchasing two-wheeler insurance involves understanding all of the terms and factors that revolve around it. Rather than buying any policy just because it is mandatory to have an insurance cover, you need to make an informed decision. This ensures that the coverage you choose matches your needs well. In order to choose an appropriate cover, you need to know a few important things. 1.Aspects that Impact Your Premium Your premium is affected by the various features of your bike. This goes on to determine the premium you will have to pay for. The cubic capacity is one essential aspect that is taken into consideration. According to India Motor Tariff, there are three categories that exist. As the capacity rises, so does the premium. Also, the city from where you make your purchase is also important. There are two zones. While zone A comes with higher premiums, zone B has a considerably lower rate. 2.No Claim Bonus Every year that you do not make a claim, you make yourself eligible to obtain a No Claim Bonus (NCB). It basically refers to the discount you obtain on your premiums for good driving and zero accident claim record. For the former claim free year, the NCB begins at 20%. For every succeeding claim-free year, the NCB discount rate rises up from 25% to 35% to 45% until it touches 50%. 3.Insured Declared Value Insured Declared Value, also known as IDV, refers to the value at which the two-wheeler is insured. It maintains this value during the entire policy term. It is calculated by the manufacturer’s listed selling price after depreciation is duly adjusted. Depreciation is altered depending on your bike’s age. You need to select the right IDV. 4.Type of Plan You Choose There are two kinds of plans. A liability-only policy is a compulsory third party policy that takes into account bodily injuries and/or death or damage to property of any third party. F
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How To Calculate Bike Insurance Premium?
Calculating your two wheeler’s insurance is not a cakewalk. In the olden days, an exhaustive research and a visit to the insurance company were the only methods used to make a sane decision. But today, you can leverage the strong influence of technology. The benefits of bike insurance calculator With the help of a bike insurance premium calculator tool, you can compare a wide range of bike insurance policies offered by various reputed insurance companies. You can easily calculate the bike insurance premium instantly. Compare the insurance policy online Easily get your bike insurance quote Save time by getting information on the go Is available free of cost In case you have purchased a bike insurance policy lately, calculate the premium using a bike insurance calculator. With it, you can save maximum on your premium. To calculate the amount, you need to add your two wheeler registration number and status of previous policy. How to calculate the Bike Insurance Premium? There are certain factors that you need to take into account before calculating the two-wheeler insurance premium like the bike make, model, age of the driver, and the list is endless. Once the details are filled, the amount of premium that you need to pay will be displayed on the screen along with the add-ons that the policy offers. You can then compare and find out the best policy that suits your requirements. Here, we have mentioned the factors that play a huge role in calculating the policy amount: When the bike was manufactured- As the rate of depreciation increases with the age of the bike, so the older bikes tend to have low premium! Engine capacity- It is important to know the engine capacity of the bike. With it the insurance premium will be decided on. Age of the insurer- It doesn’t matter what kind of driving skills you have, age is an important factor while calculating the bike insurance- so if you are aged between 18-25 years, the premium will be higher. Geograp
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Live your life happy today, your tomorrow is secured with us.
We are guided by our purpose to handle uncertainty in the lives of our customers. Our Aim is to be the most efficient and preferred insurance intermediary for our customers pan India.
- Transparency -We Provide information which is clear & concise in addition to having simple processes which are effective and easy to understand
- Integrity - "We are honest, open, fair & will always follow sound ethical principles."
- Real Value To Customers
- Professional Approach Integrity
Be Your Side for LIFE
When you buy insurance from us, you get more than just financial safety. You also get: our promise of simplifying complex insurance terms and conditions, quick stress-free claims, instant quotes from top insurers and being present for you in the toughest of times.
- Wide choice of Insurance.
- Lowest premiums for Motor, Health & Life Insurance
- Customised expert advice to help you choose the right insurance and the right insurance type based on your requirement
- Transparency with providing insurance across health, motor, and life category. with Claim assistance
Our Investors
