Comprehensive Insurance Solutions for Every Need

At Lucent Insurance, we understand that life is full of uncertainties. That’s why we offer a diverse range of insurance products designed to provide financial security and peace of mind. Whether you need coverage for your vehicle, home, health, business, or travels, our solutions ensure that you’re prepared for the unexpected.

What we offer

medical insurance

Medical Insurance

Also known as health insurance, it helps individuals and families manage the high costs of healthcare, providing financial protection against unexpected medical expenses. It covers everything from routine checkups to major surgeries and hospital stays.

General insurance

General insurance provides a safety net for unexpected events that can damage your property, health, or finances. It covers a wide range of risks, from car accidents and house fires to travel mishaps and personal injuries. It helps you recover from immediate losses and protect yourself from high expenses.

Life Insurance

Life insurance provides a financial safety net for your loved ones in the event of your death. It offers a lump-sum payment, known as a death benefit, to designated beneficiaries, which can be used to cover expenses like mortgage, funeral costs, children's education, and everyday living expenses.

With competitive premiums, fast claims processing, and expert support, we make insurance simple, accessible, and effective. Explore our products and find the right cover for you.

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Frequently Asked Questions

Does medical insurance cover pre-existing conditions?

Some insurers offer coverage for pre-existing conditions, but waiting periods may apply. We can guide you in selecting a plan that suits your needs.

Does medical insurance cover pre-existing conditions?

It depends on the insurer’s hospital network. We help you find a plan with access to a wide network of hospitals and clinics for quality healthcare.

It depends on the insurer’s hospital network. We help you find a plan with access to a wide network of hospitals and clinics for quality healthcare.

Simply present your insurance card at a listed facility for cashless services. For reimbursement claims, submit medical invoices and supporting documents as required by your insurer.

Life insurance provides financial security for your loved ones in case of your passing. It helps cover funeral expenses, outstanding debts, and future family needs.

It depends on the insurer’s hospital network. We help you find a plan with access to a wide network of hospitals and clinics for quality healthcare.

Report the incident to your insurer immediately, obtain a police abstract, and submit all required documents, including repair estimates and claim forms.

Your premium depends on factors such as vehicle type, market value, age, usage (private or commercial), driver experience, and claims history. Comprehensive policies typically have higher premiums than third-party covers.

No, motor insurance is not transferable. The new owner must obtain a fresh policy. You can cancel your existing policy and request a refund for the unused period.

Standard policies may not cover accessories such as rims, sound systems, or custom modifications unless they are specifically declared and included in the policy.

Yes, most insurers allow policyholders to adjust coverage, add beneficiaries, or upgrade their plans as needed.

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Our Main Solutions

Finding the right insurance shouldn’t be complicated