Free Sunday Masterclass — Every Week

Aapka Health Insurance
kaam karega ya nahi
jaanne ka haq aapka hai.

"Main bechta nahi. Main sikhata hoon."

A free, no-pressure Sunday session where I share the brutal truth about Health & Life Insurance — the clauses, the traps, the right products — in plain Hinglish. No follow-up calls. No sales pitch. Just honest knowledge.

No follow-up calls or messages after
Buy from anyone — PolicyBazaar, Ditto, wherever
100% free — no credit card, no obligation
Leave anytime during the session, no hard feelings
50+
Clients
Protected
100%
Transparent
Advisory
₹0
Cost for
Masterclass
4yrs+
Industry
Experience
Your HWH Guide
Certified Insurance Advisor · hwhguide.in
"Mujhe commission milta hai — yeh main openly batata hoon. Par aapko sahi product dilaana mera asli kaam hai."
Health Insurance Life Insurance No Pressure Hinglish
Join Free Sunday Masterclass →
🔒 No spam. No follow-up calls. Promise.

90% log yeh galtiyan karte hain —
aur jab claim karte hain, tab pata chalta hai.

These aren't rare edge cases. They happen every day to educated, salaried professionals who thought they were covered.

🏥
Room Rent Capping
Aapka policy Rs.5 lakh ka hai. But room rent capping 1% hai — matlab sirf Rs.5,000/day. Single room costs Rs.12,000. Baaki aapki jeb se.
Most policies have this hidden clause
💊
Disease-wise Sub-limits
Cataract surgery? Policy only pays Rs.40,000. Actual cost: Rs.1,20,000. Balance: You pay Rs.80,000. Nobody told you this at the time of buying.
Found in 70% of affordable policies
💼
Group Insurance Gap
Company health insurance ends the day you resign. Naukri gayi — cover gaya. Pre-existing diseases ka waiting period phir se shuru. Kya aap ready hain?
Affects every salaried employee
📋
Wrong Nominee Setup
Nominee ka naam sahi nahi, ya documents missing — family ko claim milne mein saalon lag sakte hain. Ek chhoti galti, bada nuksaan.
Delays 40% of life insurance claims
📞
Ghost Advisors
Policy sell hone ke baad advisor ka phone band. Claim time pe koi nahi milta. You're left navigating hospital and insurer alone.
The #1 complaint in India's insurance market
📈
ULIP & Endowment Traps
Ek plan jo "insurance bhi, investment bhi" karta hai — asal mein dono kaam theek se nahi karta. Aapka paisa kahan ja raha hai?
Sold to lakhs every year, benefits few

Yeh sab aap seekhenge —
bilkul free, koi strings nahi.

Every Sunday, 60 minutes of pure, unfiltered knowledge. No sales, no urgency, no pressure. Learn everything, then decide on your own.

1
Room Rent Capping — The Hidden Killer
Samjho ki yeh clause kaise lakhs mein nuksaan karta hai aur kaise avoid karein.
2
No Claim Bonus — Sach Ya Marketing?
NCB actually kitna kaam karta hai, kab milta hai aur kab nahi — honestly.
3
Disease-wise Sub-limits Decoded
Kaunse diseases covered hain aur kaunse limited — and how to check YOUR policy.
4
Best Riders — Jo Lene Chahiye, Jo Nahi
Critical illness, hospital cash, top-up — kya sach mein useful hai?
5
Family Floater vs Individual Plans
Kab kya sahi hai — age, family size aur health history ke hisaab se.
6
Cashless Claim — Full Process
Hospital mein kya karna hai, kya documents chahiye — step by step.
"Haan, mujhe commission milta hai.
Aur main yeh openly batata hoon — kyunki aap deserve karte ho sach jaanna."
"Yes, I earn commission. And I tell you openly — because you deserve to know the truth."

Insurance companies sell through advisors, aggregators (PolicyBazaar, Ditto), banks, and their own websites. None of them are doing charity. Everyone earns a commission. The question is — from whom do you get the most value, honesty, and post-sale support?

🔍
Full Transparency
Commission structure, product pros & cons, everything disclosed before you decide.
🤝
No Pressure, Ever
Buy from Ditto, buy from a relative — I will still help you get the right product.
📞
I Pick Up the Phone
Claim time, renewal time, any time — I am here. That's the real differentiator.

Insurance khareedna sirf shuruwaat hai.
Yahan se ek journey shuru hoti hai.

When you choose HWH Guide as your advisor, you don't just get a policy — you get a lifelong support system.

🎓
Deep-Dive Insurance Course
Recorded videos on every nuance — Room Rent, Sub-limits, Riders, Claim process. Learn at your own pace.
1 Year Access
👥
Private Community App
Ask questions, get answers, share experiences. Android app included. Gamification, challenges, and recognition.
Lifetime Access
📋
Annual Policy Review
Every year, we review your policy. Is it still right for your life? Do you need more cover? We check for you.
Every Year
🏥
Claims Assistance
Hospital mein akela mat feel karo. We guide you through every step of the claim process. Dedicated support staff for every 50 members.
Always Available
📦
Physical Welcome Box
Color-printed policy, health card, branded diary, fridge magnet, handwritten note — because a promise should feel real.
Delivered Home
🌿
Wellness Challenges
7-Day No Sugar, 10,000 Steps, 5AM Club, Juice Fast — because health, wealth AND happiness are all connected.
Monthly Events
HWH
Sunday Masterclass
hwhguide.in · Every Sunday 11 AM
LIVE
0:00
Welcome & Ground Rules — No pressure, leave anytime
0:05
Real Claim Stories — What went wrong & why
0:15
Health Insurance Deep Dive — Room rent, sub-limits, NCB, riders
0:35
Life Insurance Truth — Term, ULIP, nominee mistakes
0:45
The Honest Disclosure — How commission works, who pays what
1:00
Live Q&A — Awkward questions welcome
1:10
Next Steps — Book 1-on-1 if you want. No obligation.

Ek baar sun lo,
phir faisla apna karo.

This is the most honest insurance session you will ever attend. No script, no pitch, just conversation. Ask the questions you were afraid to ask.

📅
Every Sunday, 11:00 AM IST
⏱️
60–75 minutes (including live Q&A)
🌐
Online via Zoom — link sent after registration
🗣️
Conducted in Hinglish (Hindi + English)
💰
Completely FREE — no catches
🚪
Leave anytime — no hard feelings, ever
Reserve My Spot for Free →

Already attended the Masterclass?
Let's go deeper — just for you.

A personal, need-analysis session. Your age, income, family, health history — we find the RIGHT product for YOUR life. No random recommendations.

Detailed analysis of your current coverage — health, life, group insurance
Personalized product recommendation — no upselling, no commission-based pushing
Review of your existing policies — what to keep, what to change
All your questions answered — no topic is too awkward or too basic
Free 1-year course access included when you book

One-time consultation fee

₹499
One-time · 45–60 min · via Video Call
Personal need-analysis session
Policy comparison & honest recommendation
Existing policy review
1-year HWH course access (free with booking)
Summary note after session
Book My 1-on-1 Consultation →
No obligation to buy anything. Ever. Promise.

Real people, real experiences.

Not reviews written to sell. Honest words from people who attended the masterclass and joined the community.

★★★★★
"Pehli baar kisi advisor ne mujhe honestly bataya ki meri company insurance kaam nahi karegi agar naukri gayi. Koi pressure nahi tha, sirf sach. Maine apni individual policy usi din decide ki."
R
Rahul M.
Software Engineer, Pune
★★★★★
"Main PolicyBazaar se lene wali thi. Masterclass ke baad mujhe pata chala ki meri chosen policy mein room rent capping thi. Sahi policy lene mein madad mili — aur welcome box mila ghar pe! That personal touch was unexpected and beautiful."
P
Priya S.
HR Manager, Mumbai
★★★★★
"Claim ke time pe sach mein saath khada tha. Mera father ka hospital mein Rs.2.8 lakh ka bill tha. Poora process unhone handle kiya. Yeh advisor nahi, family hai."
A
Aakash T.
Business Owner, Bhubaneswar

Register for the
Free Sunday Masterclass

Fill in your details — we'll send the Zoom link directly to your WhatsApp. That's it.

🔒 Your number is only used to send the Zoom link. No sales calls, ever.