18 Years of Absolute Payout Transparency in Pune.
Founded in 2008 by Sudhakar S. Kumbhar, Family Shield Insurance was built on one core promise: protecting families from fine-print loopholes, room rent caps, and claim rejections.
Sudhakar S. Kumbhar
Senior Registered Insurance Advisor · Pune
Verified Credentials
IRDA Reg. #Advisor-Pune
"I Founded Family Shield to Stop Families From Facing Hospital Room Traps."
In 2008, while helping friends and colleagues in Pune process medical claims, I noticed a painful pattern. Hardworking families were paying premiums for years, only to find their claims rejected during emergencies due to hidden room rent caps, sub-limits, and undisclosed exclusions.
Traditional insurance agents focused on selling policies for quick commissions, leaving families to deal with complicated TPA hospital desks alone when trouble hit.
"My mission was simple: build an independent advisory desk where fine print is explained line-by-line before purchase, and every hospital claim gets personal support."
Today, over 500 Pune families trust us to protect their health and life legacies. With a verified 99.8% cashless claim clearance record, our clients know they never have to fight an insurance desk alone.
Our Purpose & Commitment
Our Mission
To provide every Pune family with unbiased, fine-print-free health and life insurance guidance — backed by direct hospital claim desk support so no policyholder ever faces financial crisis alone.
Our Vision
To remain Pune’s most trusted independent advisory firm — recognized across Maharashtra for pioneering absolute payout transparency and 100% client advocacy.
The 6 Principles We Stand By
Absolute Payout Transparency
We explain every room rent limit, copay clause, and waiting period before you sign. Zero hidden fine-print surprises.
Client-First Independence
We work exclusively for Pune families, not insurance company targets. Our advice is 100% unbiased and objective.
Clinical Exclusion Auditing
We audit your existing policies line-by-line to identify coverage gaps and pre-existing condition loopholes before hospitalization.
Direct Hospital Claim Support
When medical emergencies happen, our claims desk coordinates directly with hospital TPA desks across Pune & PCMC.
12-Minute Emergency Response
Priority assistance for hospital cashless admissions, policy emergency queries, and claim status updates.
Lifetime Free Advisory
Zero consultation charges, zero policy audit fees, and lifetime claim assistance for every client we serve.
Recognized Excellence
Recognised for industry compliance, claims settlement speed, and dedicated client service.
Pune Wealth Forum
Most Trusted Family Advisor
Honoured for excellence in customer satisfaction and transparent family policy management across Pune.
Insurance Advisors Council
Excellence in Claims Advisory
Recognised for coordinating 99.8% cashless approvals within Pune's medical care networks.
LIC of India
Top Agent Award — Pune Division
Awarded for exceptional performance and client satisfaction in the Pune division.
Maharashtra Insurance Conclave
Customer Service Excellence
Recognized for outstanding post-purchase support and long-term client relationship management.
Let's Protect Your Family's Future Together
18 years of advisory expertise, one goal: to give your family absolute financial security with zero hidden clauses.
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