1. About pearlspro
pearlspro provides health insurance information, comparison assistance and enquiry support relating to available health insurance products.
Insurance policies are issued by the respective insurance providers. pearlspro does not issue the insurance policy.
Product availability, eligibility, premiums, benefits, underwriting, policy terms, exclusions, waiting periods and claims are determined by the respective insurance provider and applicable product terms.
2. Health Insurance Information
Information provided on this website is intended for general information and insurance guidance.
Information may include details relating to:
- Individual health insurance
- Family health insurance
- Senior citizen health insurance
- Parents’ health insurance options
- Top-up and super top-up health insurance
- Maternity-related health insurance
- Health insurance options in Tamil Nadu
- Health insurance options in Chennai
Availability of any product is subject to applicable eligibility requirements and insurer terms.
3. Comparison Assistance
pearlspro may assist customers in understanding and comparing available health insurance options based on information provided by the customer.
Comparison may include:
- Coverage
- Premium
- Hospitalisation benefits
- Network hospitals
- Waiting periods
- Pre-existing conditions
- Co-payment
- Room-rent limits
- Sub-limits
- Exclusions
- Eligibility
- Policy terms
Comparison assistance does not constitute a guarantee that a particular product will be available, approved or suitable for every applicant.
5. Reduced or No Waiting Period Options
Some selected health insurance products may provide specific benefits with reduced or no waiting periods under defined conditions.
Such options are not available for every health insurance policy, medical condition, treatment or benefit.
Availability depends on the selected product, eligibility requirements and applicable policy terms.
6. Promotional Discounts
Selected eligible products or promotional offers may provide applicable promotional discounts.
Any promotional discount, including an offer of up to 5%, is subject to:
- Product eligibility
- Offer validity
- Applicable terms and conditions
- Insurer or product-specific requirements
A promotional discount is not available on every health insurance policy.
7. Tax and GST Information
Applicable GST or other tax treatment may vary according to current law and the selected insurance product.
Any tax-related information provided on this website is for general information and should be confirmed against the applicable product and current law.
8. Eligibility and Underwriting
Submitting an enquiry does not constitute policy approval.
Eligibility may depend on factors including age, medical information, location, coverage requirement, underwriting requirements and the applicable insurer’s rules.
The respective insurance provider determines whether a policy can be issued.
9. Policy Issuance
Insurance policies are issued by the respective insurance providers.
pearlspro does not guarantee:
- Policy issuance
- Acceptance of an application
- A particular premium
- A particular coverage amount
- A particular benefit
- A discount
- Reduced or no waiting periods
- Claim approval
10. Claims
Claims are assessed by the respective insurance provider according to the applicable policy terms, conditions and claim assessment process.
Submitting a claim does not guarantee claim approval or payment.
Customers should review the applicable policy wording and insurer claim procedures.
11. Application Assistance
pearlspro may provide assistance during the insurance enquiry and application process if the customer chooses to proceed.
Application assistance does not guarantee acceptance or issuance of an insurance policy.
Customers are responsible for providing accurate and complete information during the application process.
12. Customer Information
Customers should provide accurate information when submitting an enquiry or application.
Information requested may include:
- Full name
- Mobile number
- Email address
- City
- Person(s) requiring cover
- Age of eldest member
- Number of people to cover
- Current health insurance information
- Coverage requirement
- Purchase or renewal requirement
- Nature of assistance required
Providing inaccurate, incomplete or misleading information may affect the availability, eligibility or assessment of an insurance product.
13. Contact and Consent
By submitting an enquiry through the website, you agree that pearlspro may contact you regarding your insurance enquiry, subject to applicable consent and privacy requirements.
Contact details:
- Phone+91 89254 56897
- Emailinfo@pearlspro.in
14. Privacy
Personal information submitted through the website will be handled according to the applicable Privacy Policy.
Customers should review the Privacy Policy before submitting personal information.
15. Third-Party Insurance Providers
Insurance products displayed, discussed or referred to through the website may be products of respective insurance providers.
Product terms, benefits, eligibility, premiums, underwriting, exclusions, waiting periods and claims are governed by the applicable insurer and policy documentation.
Customers should review the relevant insurer’s product information and policy wording before purchasing.
16. No Guarantee
Nothing on this website should be interpreted as a guarantee of:
- Policy approval
- Policy issuance
- Premium
- Coverage
- Benefits
- Promotional discount
- Reduced or no waiting period
- Claim approval
- Claim payment
- Eligibility
All such matters remain subject to the applicable insurance provider, product terms, eligibility requirements and underwriting.
17. Website Information
pearlspro makes reasonable efforts to provide useful and current information regarding available health insurance options.
However, product availability, pricing, benefits, offers and eligibility may change.
Customers should confirm current product information, pricing, offers and eligibility against the applicable insurer documentation before purchasing.
18. Intellectual Property
Unless otherwise stated, website content, branding, text, graphics and other materials made available through the website belong to or are used by pearlspro with applicable rights.
Content should not be reproduced, copied or commercially used without appropriate authorization.
19. Changes to These Terms
pearlspro may update these Terms & Conditions when necessary.
The updated version will be published on this website with the applicable update date.
Customers should review the current version before submitting an enquiry or proceeding with an insurance application.
20. Contact Information
- Business namePearls Pro
- Business address1st Floor, National Flag Building, Near Eagle Mobile, Gopalakrishnan Street, Adambakkam, Chennai-600088, Tamil Nadu
- Phone+91 89254 56897
- Emailinfo@pearlspro.in
- Service areaTamil Nadu
- Agency codeSHABA0000931349
- Office code111113
21. Important Notice
Health insurance products are subject to eligibility, underwriting, policy terms, conditions, exclusions, waiting periods, co-payment, sub-limits and applicable regulations.
Premiums, coverage, benefits, discounts and eligibility may vary between applicants and products.
Please review the applicable product information, policy wording, terms and conditions before purchasing an insurance policy.