Unmatched
Guidance
Personalised to Perfection
Specialising in personalised guidance and services — with 100% unbiased product recommendations and complete transparency.
Because You Deserve Advice That Truly Works for You.
Unmatched
Our Story
Let's Get to Know:
What is HukumSir Services?
An Idea, Not Just a Service
HukumSir Services isn't a person or a group — it's an idea. Founded by Mr. Dishant Gupta from Rajasthan, the name comes from a word he often heard growing up: "Hukum", which means an order from the king.
The Birbal Philosophy
In history, every king needed a wise advisor like Birbal — someone who could give honest advice and make perfect arrangements. At HukumSir Services, we believe that today's real king is the customer.
Our Core Belief
Just like Birbal, we provide smart, unbiased advice and the best personalised services for our king — you.
"Because you give the Hukum, and we deliver the solution."
That's why the name HukumSir Services was chosen — it represents our commitment to serving you with wisdom and dedication.
Meet the Founder
Mr. Dishant Gupta – Founder & Chief Advisor
Bringing Rajasthani wisdom to modern financial advisory
View Profile
How We Help
How We Help You
Our proven 4-step process ensures you get exactly what you need, when you need it, with complete transparency and ongoing support.
01
Understand Your Needs
We identify your real goals—protection, savings, or growth—so you don't get lost in endless options.
02
Compare the Right Options
We filter only the most relevant insurance & investment products tailored to your profile.
03
Customize & Implement
Plans are personalized to fit your family, income, and future goals, with smooth setup.
04
Support & Claims
From renewals to claims, we stand with you at every step for complete peace of mind.
What This Means for You
No more confusion about which product to choose
No more fear of buying the wrong policy
No more chasing agents for support
No more claim rejection surprises
No more hidden charges or fine print tricks
Customer Testimonials
What People Say About Us
Saurabh Mittal
Vivek Vihar, Delhi, India
Jitendra Bathia
Laxmi Nagar, Delhi, India
Punyani
New Delhi, India
Abhishek Karakoti
Vaishali,Ghaziabad,India
Health Insurance
👉 Yes, you can. First, one company will pay as per policy limit, and the balance can be claimed from the second policy.
👉 Not always. Maternity is usually covered after a waiting period (2–4 years, depending on policy).
👉 A waiting period means some diseases (like diabetes, hernia, maternity) are covered only after a specific time from buying the policy.
👉 Yes, you can. But there may be a waiting period or extra premium. Always disclose it honestly while buying.
👉 Companies give a grace period (usually 15–30 days). If you miss that too, you lose continuity benefits and waiting periods start again.
Motor Insurance
👉 Third-party covers damage to others, not your own car. Comprehensive covers both – your car + third party.
👉 You get the IDV (Insured Declared Value) mentioned in the policy, not the market price.
👉 Yes, otherwise they won’t be covered in case of theft or accident.
👉 Yes, NCB belongs to the policyholder, not the vehicle. You can transfer it to your new car.
👉 Then the claim may be rejected. Always keep your license and RC valid.
Life / Term Insurance
👉 In term insurance, if you outlive the policy, no payout is given. It’s pure protection.
👉 Your policy may become “lapsed” or “paid-up” depending on the type. Term insurance usually lapses.
👉 Some policies allow life-stage benefits (marriage, children, loan) to increase cover, but you can’t reduce.
👉 Yes, but with higher premium or medical tests. Hiding illness can lead to claim rejection.
👉 Usually not in the first year. After 12 months, many policies cover it (with some conditions).
Group Insurance
👉 No. Group insurance is linked to your employer. Once you leave, the cover usually ends. Some insurers allow conversion into an individual policy.
👉 Group cover is helpful, but it’s usually limited (₹3–5 lakhs) and temporary. Your own health insurance is important for lifelong protection.
👉 Many employers offer family floater group plans. But the family cover may not be very high.
👉 It’s life cover provided by your company. If an employee dies, the nominee gets the insured amount. But valid only till you are working with that employer.
👉 Yes. You can keep both. In fact, during a claim, you can use group insurance first and then your personal policy.
Claim Resolution
👉 Common reasons: wrong documents, non-disclosure of medical history, or late intimation.
👉 Yes, if you submit proper justification and missing documents. At HukumSir, we specialize in re-opening and resolving such claims.
👉 Usually 7–15 days. Late filing can cause rejection, but with valid reason it can be reconsidered.
👉 The insurance pays only up to the sum insured. The rest has to be paid by you.
👉 Yes! That’s exactly what we do – we decode queries in simple words and prepare the right reply for approval.