Waiver of premium
Can keep the base cover active after specified disability or illness.
Term riders
The add-ons that earn their keep — and the ones that don't.
Riders bolt extra protection onto a term plan for a small additional premium. Some are quietly excellent; others duplicate cover you already have.
Waiver of premiumAccidental disabilityCritical illnessPlain-English comparison
In plain English
Add the risk, not the brochure
A rider is useful only when it closes a specific financial gap more efficiently than a standalone policy.
Accidental disability
Useful where lost earning ability is the real risk.
Critical illness
A lump sum on specified diagnoses; compare definitions carefully.
An honest fit check
Who this is for — and who should skip it
It fits when
The rider closes a clear gap in your financial plan. Its definitions and payout trigger are understood.
Consider another route when
You already have stronger standalone cover. The add-on is being sold as a substitute for adequate base cover.
Claims, handled
A named human owns the process end to end
One person, one number, from the first call to the final settlement. You stay with your family; we carry the paperwork and follow-ups.
- 01
Call your claim expert
One call starts everything — no forms, helpline queue or ticket number.
- 02
We verify the cover
Eligibility, limits, waiting periods and the right claim route, explained plainly.
- 03
We build and submit the file
Forms are pre-filled, documents checked and insurer queries answered.
- 04
Settled, then explained
Every approval and deduction is broken down. We contest what is unsupported.
Good questions
Questions, answered
Is MITRA's advice really free?
Yes — consultations and claims support are free for you. Like all insurance intermediaries, we earn a standard commission from insurers when a policy is issued. Our advisors are measured on fit and claim outcomes, not sales targets.
What does claims support include?
A dedicated claim expert prepares and verifies your documents, coordinates with the hospital, insurer or TPA, resolves queries, and explains the final settlement in plain language. It is included for policies bought or ported through MITRA.
Can MITRA guarantee that my claim will be paid?
No intermediary can decide or guarantee a claim outcome. The insurer decides based on policy wording and the facts of the claim. MITRA makes sure your file is complete, follows up, contests unsupported deductions and escalates when valid grounds exist.
Free · Unbiased · No pressure
Talk it through with an expert
15 minutes, plain English, no pressure and no obligation.