00+

years of experience

Satisfied Clients

100+ consultations

About Me

Guiding You Through Insurance
with Clarity & Confidence

Empowering you with insights to make informed decisions about your financial security. Whether it’s protecting your health, family’s future, or securing peace of mind - smart insurance decisions today shape a confident tomorrow.

logo

Expert Guidance

20+ years of expertise will help you get a deep understanding of what insurance is and how to approach it. This offers clarity and practical answers to your questions and challenges.

logo

Trust & Transparency

With a strong hold on honesty and straightforward advice, you are going to get the right information with no sales tactics. Here, you can definitely safeguard your future.

Services We Provide

Get expert guidance from the best Insurance
Consultant for a fresh perspective on Insurance

BLog Thumbnail

Expert Consultation

BLog Thumbnail

Claim Support

BLog Thumbnail

Existing Plan Review

logo
About Health Insurance

Why NRIs Need Independent Health Insurance: Beyond Employer Coverage

Employer-provided health insurance enriches the value of safety taken for NRIs, this benefits more in taking care of sudden unspoken liabilities. The limitations that took over are only with the unexpected career shifts. The main trust kept by professionals over their companies is that they will provide them a health coverage. Only uncertainties like job loss, career transitions, or retirement can abruptly terminate their benefits. This is completely focused on NRIs who undergo long-term medical treatment. Making a step out from the insurance midway can lead to significant financial burdens.

A health insurance advisor can deliver to you the importance of securing independent health insurance that covers your medical uncertainties. Unlike employer-sponsored policies, a personal health insurance plan offers stability, covering critical illnesses, pre-existing conditions, and even global treatment options, regardless of employment status. They can guide NRIs in choosing the right plan that aligns with their healthcare needs, whether in India or abroad.

Types Of Insurance

Understanding Different Types of Insurance

Your Trusted Insurance Advisor

What to Expect from Me?

End-to-End Client Support

As your Client Relationship Architect, I will be with you at every step, from policy selection to claim settlement and everything in between. I make sure that you, as an NRI in the GCC, are getting the coverage you truly need.

Personalised Solutions and Transparency

Tired of the jargon and hidden clauses? Now it’s time to get clear and customised guidance. Take time to understand your unique insurance needs, and I will provide you with straight-to-the-point insights.

Expert Negotiation and Problem-Solving

With over 20 years of experience in this industry, as a life insurance specialist, let me guide you through all the complexities and let’s get the best possible coverage for you. From claims resolution to policy structuring, my focus is on your best interest and to make sure you are getting the protection you deserve.

Secure Your Future with Confidence

During my insurance journey in India and the UAE, I’ve realized that insurance is not just about policies; it’s about the peace of mind and security that it brings with it. The right coverage can give you financial security, protect your loved ones, and prepare you for life’s uncertainty.

Being an NRI, and through my career journey, I’ve come to understand that comparing insurance options between the GCC and India can be difficult to navigate. That’s why, when I evolved from employment to entrepreneurship as a insurance specialist, I truly wanted to show the whole concept of insurance in a new light.

If you're an NRI, I help you find clear, trustworthy insurance solutions for yourself, your family, and your parents. Getting insurance with little to no idea is just like navigating a ship by judging the tip of an iceberg. Understanding your insurance and what your needs are is important, and I address all of your concerns. Clearing up complexity and understanding your options is the second step you’ll take with me. Get the right guidance with honest, transparent advice, so you can feel confident in every insurance decision.

Let’s simplify insurance and bring clarity, so you can plan your future with confidence.

logo
Insurance Benefits

Values that go
beyond the policies

Making your life more secure. Resonate the power of insurance and policy, the security that assures your future’s safety.

Financial Security

Insurance will give assurance in financial backups for uncertainties like illness, accidents, risk of liabilities, etc.

Risk Management

Maintaining uncertainties and helping in recovering profits.

Wealth Protection & Growth

Improves wealth protection and enhances growth.

Peace of Mind

Helps you focus on your personal life and make it more effective with no risks.

FAQ

Yes. Even if you have employer-provided insurance in the GCC, it’s wise to have separate life and health insurance from India. It ensures:

  •   Coverage continuity if you change jobs or return to India
  •   Protection during India visits
  •   Affordable premiums and long-term benefits
  •   Security for family members living in India

Yes. Policies issued to NRIs continue even after status changes. You just need to update your residency status and address with the insurer for records.

Yes, claims are payable globally, as long as the policy is active, and disclosures were made honestly. Death certificates and embassy-attested documents may be required.

Yes, and this is very common. You can secure life, or health insurance policies for your parents, spouse, or children in India while paying premiums from abroad.

Generally Indian health plans cover treatment within India. If you travel frequently to India or plan to return, these plans can be useful. For GCC-based medical cover, a separate local or international policy is needed.

logo
Clients Testimonial

Stories of Trust and Satisfaction!

Insurance consulting simplifies the complexities of policies, making sure the right coverage is selected based on individual needs and circumstances.

I had the opportunity to work closely with Jayesh during our corporate roles in India - when I was leading Allegro and he was supporting my distribution team as a service provider. What consistently stood out was his deep industry knowledge, integrity, and strong customer-centric approach. His move into client-focused advisory is a natural extension of his commitment to delivering value and doing what's right. I highly recommend Jayesh Surendran, both professionally and personally.

Jayesh needs no introduction, but as a happy client, I want to share my experience. What truly stood out was the professionalism, clarity, and the time he took to understand our needs as NRIs. He patiently explained the pros and cons of each policy and its add-ons, helping us make informed choices. We ended up with customised quotes for both me and my parents, even better than what I found online. I’d confidently recommend him to family and friends.

What I really appreciated was the timely follow-up and the way Jayesh stayed involved even after the policy was done. It wasn’t just a transaction; the after-sales support has been genuinely helpful. Overall, a smooth and reassuring experience.

The clarity and depth of knowledge about insurance truly stood out. His presentation was thoughtful, engaging, and easy to understand. The whole experience was professional, thorough, and pressure-free. I’m genuinely pleased with the guidance and support provided. Highly commendable work by Jayesh.

Writing a testimonial for Jayesh would not fit into just two lines, and I think that itself says a lot! He is my colleague and friend, so I have witnessed his sincerity, vast knowledge, and genuine desire to assist people in making informed decisions. His conversations are very sincere, and that makes all the difference.

I have seen Jayesh bring genuine care and deep expertise to every client interaction. His knowledge of the insurance landscape and commitment to finding the right solutions make him someone I trust and confidently recommend.

It was the first time I was taking out an insurance policy for my mother. Of course, I had my confusions. Luckily, I met Jayesh, and he was not like any other insurance professional I met. He was helping me with explaining different policies, it’s benefits, etc.. He was there with us in each stage of the process and frequently did follow-ups as there was medical involvement, for completing the process. I am really happy and completely satisfied with his service. Highly recommend him.

Jayesh and I started our journey together nearly a decade ago at Takaful Emarat in 2014. He was heading the Broking vertical across the UAE, while I managed Operations, including New Business, Underwriting, Policy Servicing & Claims. From the start, I understood him as a person of strong character, deep knowledge, and steadfast integrity. He always put the customer first, ensuring they received the right solutions and genuine care. Whether with clients, management, employees, or his own team, he stood out as a truly people-centric leader.

Mr. Jayesh has been a mentor to me for the last 20 years. I know him both personally and professionally. He has mastered the insurance industry through hard work and experience, both in India and abroad. I’m happy to see him start his own venture and touch more lives by guiding people to choose the right products they truly need.

One thing that always stood out about Jayesh was the excitement in his voice whenever he talked about insurance - not selling, but genuinely guiding people right. Back in our UAE days, we often spoke about how the industry needed more honesty and less misrepresentation. It’s truly satisfying to see him now doing exactly that, with clarity and conviction.

I’ve had the opportunity of working with Jayesh for my medical insurance needs, and I must say, his expertise is truly exceptional. With over 12 years of experience in the insurance industry in the GCC, particularly in Dubai, Jayesh brings a deep understanding of the needs and concerns of NRIs. He made the entire process of selecting the right medical insurance simple and seamless for me. His knowledge, professionalism, and personalized approach gave me complete confidence. I highly recommend Jayesh to any NRI looking for reliable and expert guidance in medical insurance.

Mr. Jayesh Surendran was very patient in listening to all our concerns and clearly explained everything. He was always available whenever we had questions, no matter the time. Thanks to his guidance, we were able to choose the right policies for our needs.

Insurance can be confusing, but Jayesh makes it simple and understandable. They are incredibly patient, knowledgeable, and always willing to go the extra mile to ensure you feel confident in your choices. I can say with full confidence that they are one of the most dedicated and knowledgeable insurance professionals I’ve ever met and if you’re looking for someone you can trust with your insurance needs, I highly recommend them.

As a client, what truly impressed me about Jayesh is his sincerity and clarity. He made the whole insurance process feel simple, free of stress, and transparent. It was a stress-free experience, since he is well-informed and supportive. It is, in fact, comforting to have someone so trustworthy and knowledgeable as Jayesh to guide me. I’m happy to recommend Jayesh.

I have had the pleasure of meeting Jayesh since 2013, when we worked together in the insurance industry. He is the embodiment of professionalism. He is knowledgeable, principled, and always willing to guide and support those around him. I have personally benefited from his deep expertise in insurance, particularly in understanding distribution strategies and the third-party distribution landscape, where I had a front-row seat to his exceptional leadership. Jayesh is someone you can trust completely, and I wholeheartedly vouch for his business acumen, ethical approach, and commitment to excellence.

Jayesh is a thorough professional who consistently delivers expert guidance and customized insurance solutions based on the customer needs.

I strongly endorse Jayesh Surendran as a dependable and knowledgeable insurance advisor for any NRIs needing solutions in India. His expertise on the Indian insurance market and cross-border pitfalls is exceptional. I have found him to provide honest and tailored advice for life, health, or wealth protection, as well as pursue considerations surrounding your goals and individual circumstances. Jayesh analyses problems and simplifies complex decisions while ensuring compliance with Indian and foreign policies, and then carries this through with ongoing advice and support. I appreciate his integrity, commitment, and genuine caring nature that, to this point, has left a lasting impression on me.

It fills me with pride and joy to see Mr. Jayesh embark on his new journey. He has always been my pillar of support, a true well-wisher, and someone I can turn to without hesitation. His energy, passion, and focus are unmatched. Whatever he takes, he pours his heart and soul into it. And this venture will be no different. I have seen firsthand how deeply he cares about helping others and always going the extra mile to offer genuine advice and guidance. I have no doubt that every client he works with will feel not just secure but truly cared for. Wishing him every success. He truly deserves it!

The Right Coverage Starts with a Conversation!
GET IN TOUCH
Latest Blog

From Confusion to Clarity
Your Go-To Guide for Insurance

BLog Thumbnail 16 May

Death Vs. Life – And the Truth We Don’t Want to Hear

Death asked Life: ‘Why does everybody love you and hate me?’ Life replied: ‘Because I’m the beautiful lie, and you are the painful truth.’

BLog Thumbnail 14 May

Why NRIs Should Plan for Indian Medical Insurance

This is what most of the NRIs miss out – Here is something you should know – how to avoid that costly mistake.

Call India