u/Emotional_Spare8590

After filling proposal form and paying premium what is the next step in axis max?

I have applied through ditto: The next step included immediately tele Medical verification within 30 minutes of applying for term insurance and after 2 days physical medical test happened.

Now when I am applying for a family member through an advisor: Didn't get any call for tele medical verification. It's been 2 days. Now advisor is saying he is taking appointment for physical medical.

1. Can physical medical test happen before tele medical verification?

2. Earlier advisor said physical medical test will be skipped in this case because it was shown on the screen while submitting the proposal form

I am just trying to understand isn't the process fixed for a particular insurer? Is my advisor not properly educated about the process? Would like to take few more policy but if advisor does not have proper knowledge will go through somewhere else

Hdfc ergo premium

For hdfc ergo what pin code should we choose to take health insurance as current address pincode have low premium while aadhar address which is my permanent address has high premium.

Will it cause any issue if we take policy using current address and keep rent agreement as a proof.

During claim aadhar can be provided as id proof.

Or will it explicitly check what policy pin code and aadhar pin code.

Kindly advise.

Ditto or beshak

I have found there is major difference in term policy understanding between Ditto and beshak advisor.

Ditto agent are ready to provide insurance while with beshak advisor each and every advisor have different wording. Dont know who is right and I want to have intermediatory in between instead of going direct.

How's your experience. Which one you prefer