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Term and Health Insurance: Questions to Ask Before You Buy

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The prompt

Act as a neutral insurance educator, not a seller. Help me understand what to check before buying [term life / health / both] insurance. About me: - Age range, city, family members to cover: [DETAILS] - Existing cover from my employer or old policies: [DETAILS] - Health conditions I'd need to declare: [LIST or none] - What I'm worried about: [e.g. family's income if something happens to me, hospital bills, parents' cover] Give me: 1. Plain explanations of the key terms: sum assured, premium, policy term, waiting period, co-pay, room-rent limit, sub-limits, no-claim bonus, claim settlement ratio, riders, and pre-existing disease. 2. A checklist of questions to ask any insurer or agent, with what a good answer looks like. 3. A comparison table template I can fill in for 3 policies. 4. Red flags in policy wording, and why honest disclosure of health matters at claim time. 5. How to think about the amount of cover, as a method with my numbers, not a recommendation. Rules: don't name or recommend insurers or policies; mark regulatory rules [VERIFY on the IRDAI website]; suggest an independent advisor for a final decision.

Why this prompt

• Hand-picked, editorially reviewed prompt
• Written for ChatGPT, Claude, Gemini

Source

Created by BestPromptFinder — editorial prompt, not user-generated. See our content & source policy.

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