Frequently asked questions

Beemalo is the insurance and loans platform of DEEPAK HITECH MOTORS PRIVATE LIMITED, Jaipur. We help you compare and buy plans from 15+ insurers and support you with renewals and claims.

No. You pay the insurer's premium. Our comparison and advice are free for customers.

Yes. We use your details only to get you quotes and service your policy. We never ask for OTPs, passwords or payments to personal bank accounts.

Third-party cover is mandatory and pays for damage or injury you cause to others. Comprehensive cover adds protection for your own vehicle against accidents, theft, fire and natural calamities.

A discount on your own-damage premium for every claim-free year, which can grow up to 50%. Renew on time to keep it.

Insured Declared Value is roughly the current market value of your vehicle — the maximum the insurer pays if the vehicle is stolen or totally damaged.

A period after buying the policy during which certain illnesses (like pre-existing diseases) are not covered. Renewing on time keeps your waiting period credit.

At a network hospital, the insurer settles the bill directly with the hospital, so you don't pay upfront for covered expenses.

A common thumb rule is 10–20 times your annual income, plus outstanding loans. Try the life cover estimator on our Calculators page.

A pure protection plan that pays a lump sum to your nominee if you pass away during the policy term. It offers high cover at low premiums.

Visit our Claims page for step-by-step guidance, or call or WhatsApp us.