The right insurance, explained simply.
Compare top insurers in one place, pay only for what your family needs, and get a Purnia expert by your side when you claim.
Axis Max Life and Niva Bupa, explained simply
Open any plan to see features, eligibility and what to check. Then estimate your premium below and download a detailed PDF.
Term, savings, retirement and health linked life plans
Smart Term Plan Plus
Pure term
Smart Total Elite Protection Term Plan
Pure term
Smart Secure Plus Plan
Pure term
Saral Jeevan Bima
Standard term
Smart Wealth Plan
Non-participating savings
Smart Wealth Income Plan
Participating income
Smart Wealth Advantage Guarantee Plan
Non-participating savings
Smart Wealth Advantage Growth Par Plan
Participating savings
Standalone health insurance for individuals, families and seniors
Estimate your premium and download the PDF
Approximate figures without discounts. Name, mobile and city are required; email is optional.
Term Insurance
Smart Term Plan Plus
Fill in the plan details and your name, mobile and email, then press Calculate. Your estimate and a branded PDF will appear here.
Approximate figures without discounts or benefits. The insurer sets the final premium after underwriting.
Your family's needs come first. Always.
We listen, compare and recommend only what truly protects you. If a smaller plan is enough, we will tell you.
12+ yrs
Advising families in Bihar
8,000+
Policies serviced in Purnia
₹40 Cr+
Claims helped settle
1 office
Kaptanpara, walk in any day
Figures shown are examples until real numbers are confirmed.
Why families in Purnia trust us
Fair Prices, Always
Same premium as buying direct, plus free advice
No Pushy Selling
We'll tell you when NOT to buy a plan
100% Reliable & Transparent
IRDAI-regulated partner policies
Doorstep Claims Support
Physical office in Kaptanpara, Purnia
Happy to Help 7 Days
Phone, WhatsApp & home visit support
Our insurance partners
Hand-picked, IRDAI registered partners
We chose a few strong insurers so we can give you deep, personal service and full claim support.
Answer 4 questions. Get your plan.
Takes 30 seconds. No phone number needed to see results.
Question 1 of 4
How old are you?
100% No-Spam Guarantee: See premiums from our partner insurers without entering your phone number. Call or WhatsApp our Kaptanpara desk only when you are ready.
Popular Insurance Calculators
| Insurer | CSR | Monthly |
|---|---|---|
| Max Life | 99.6% | ₹711 |
Prices shown only for our official partner insurers. Call or WhatsApp us for the exact quote and best discount.
Why Indian families trust SP Insurance over faceless websites
| SP Insurance | Typical local agent | National call-centre portal | |
|---|---|---|---|
| Compares many companies | |||
| Honest clause-by-clause comparison | |||
| No spam calls | |||
| Lowest online premium | |||
| Physical claim help at your doorstep | |||
| Hindi & local-language support |
Know your policy in 30 seconds
What is CSR %?
Claim Settlement Ratio, out of 100 claims an insurer receives, how many it pays. Above 98% for term and above 90% for health is excellent.
Know your numbers in 30 seconds
Cover, premium, savings and tax. Move the sliders and see the answer instantly.
Life cover your family needs
₹1.66 Cr
Thumb rule used by advisors. Your real need can be higher if parents depend on you.
Already have a health or life policy? Check for hidden claim traps
Tick what is true for your policy. Nothing is saved or sent.
Policy Safety Score
100%
Money you may pay yourself at claim time
₹0
- No traps ticked. Looks healthy.
Rupee risk is an estimate on a typical claim, not a promise.
Purnia, Seemanchal & Pan-India cashless hospitals
Pick a city, then call us before admission so we can start the cashless request.
Shaarda Multi Speciality Hospital
Kaptanpara, NH-31
SP Insurance claim manager reachable in 20 mins
Advanced Super Speciality Hospital
Line Bazar
SP Insurance claim manager reachable in 20 mins
Harsh Hospital
Line Bazar
SP Insurance claim manager reachable in 20 mins
Fatma Hospital
Rambagh
SP Insurance claim manager reachable in 20 mins
Anand Hospital
Barihat
SP Insurance claim manager reachable in 20 mins
Insurer tie-ups change often. Always confirm cashless status with us before admission.
Create your free '2 AM Family Emergency Claim Card'
Fill three details, then share it on your family WhatsApp group so everyone knows what to do.
SP Insurance · 24x7 Family Emergency Pass
परिवार आपातकालीन पास · Kaptanpara, Purnia
Family Head
Insurer · Area
- 1. Call SP Insurance before or right after admissionभर्ती से पहले या तुरंत बाद SP Insurance को कॉल करें
- 2. Show the health card and Aadhaar at the hospital deskअस्पताल काउंटर पर हेल्थ कार्ड और आधार दिखाएं
- 3. Do not sign or pay any bill before we check itहमारे जांचने से पहले किसी बिल पर साइन या भुगतान न करें
Trusted across Purnia & Seemanchal
"I had three LIC endowment policies and still not enough cover. SP Insurance explained term insurance in simple Hindi, now my family has ₹1.5 Crore cover for less than my mobile bill."
Ravi Shankar Yadav
Cloth merchant, Bhatta Bazar
"When my husband was admitted in Patna, their claim desk handled the cashless approval over the phone within hours. We didn't pay a single rupee upfront."
Sunita Devi
Government school teacher, Purnia
"I have six commercial vehicles. Renewals used to be a headache, now I get reminders on WhatsApp and the policy PDF the same day."
Md. Imran Alam
Transport business owner, Kasba
Questions, answered simply
Book a free consultation
SP Insurance
Kaptanpara, Purnia, Bihar, 854326, India
Mon, Sat: 9:30 AM, 7:30 PM 24/7 Claim Helpline