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bullsline
EST. 2001
bishan · portrait
FOUNDER · BULLSLINE

Bishan Kumar Agarwal.

HEALTH & TERM INSURANCE — 25+ YEARS

Bishan Kumar Agarwal built Bullsline from the ground up. Twenty-five years on, he still personally structures the file for every difficult case that walks through the door — insulin diabetes, post-bypass cardiac, cancer in remission, HIV, mental health.

Health insurance, term cover, the hard claims, the family conversations. The whole insurance practice runs through him.

WhatsApp Bishanbishan@bullsline.in
CREDENTIALS & TRACK RECORD
25+ yrs
in insurance advisory
founded the firm in 2001
2,000+
clients served
across India
₹70 Cr
AUM (firm-wide)
across client book
2
practice lines
health · term
LICENSES & AFFILIATIONS
IRDAI License

XXXXXX

Years in practice

25+

Practice

Health & term insurance

Specialism

Difficult cases · claims

THE REST OF THE TEAM

The rest of the family.

rohit · portrait
INVESTMENTS · CO-FOUNDER

Rohit Agarwal

Mutual funds & investment planning

Read more →

ravi · portrait
OPERATIONS & TECH · CO-FOUNDER

Ravi Agarwal

Operations, technology, the back office

Read more →

RECENT WRITING

What Bishan is publishing.

EXPLAINER

How much term cover you actually need — the income-multiple, the debt-haircut, and the dependent line

The rule-of-thumb says 10× annual income. The rule is wrong for most families. Here is the actual math.

2026-06-10
EXPLAINER

Term-insurance claim rejections — the reasons and how to avoid them

Term insurance pays out 95%+ of properly-filed claims. The 5% that get rejected almost always lose for the same three reasons.

2026-06-09
EXPLAINER

The first-time buyer's health-insurance checklist

Twelve questions to answer before buying your first health plan. Answer them once and avoid the four most common regrets at the 36-month mark.

2026-06-07
EXPLAINER

Porting health insurance with a pre-existing disease — what carries over, what doesn’t

Porting is your right. Porting at the same premium and coverage is not guaranteed. Here is what actually transfers and what the new insurer can still do.

2026-06-04
EXPLAINER

Why health claims get rejected — non-disclosure and how to declare right

The number-one reason claims are repudiated is non-disclosure — not fraud, not exclusion. Here is how to declare correctly and protect your contract.

2026-06-01
EXPLAINER

Waiting periods explained — initial, specific-illness, PED, and the one that catches most people

Three waiting periods in every Indian health policy. Two are short. One is long. Confusing them is how families end up uncovered.

2026-05-28
CONDITION GUIDE · HYPERTENSION

Hypertension and thyroid — the ‘minor’ conditions that still trip declarations

These are the conditions people assume are too small to mention on the form. When a cardiac event or thyroid storm leads to a claim, it is the omission that kills it — not the condition.

2026-05-24
CONDITION GUIDE · MENTAL HEALTH

Mental health cover — parity on paper, friction in practice

Mental health must be covered at parity with physical health — that is the rule. The practice is sub-limits, exclusions, and underwriting that treats depression like a pre-existing knee surgery.

2026-05-20
CONDITION GUIDE · HIV

HIV-positive cover under the IRDAI 2023 mandate — the gap between the rule and the practice

IRDAI mandated coverage for HIV-positive applicants. The mandate is real. The friction is also real. Here is what happens when you actually walk into the underwriting room.

2026-05-16
CONDITION GUIDE · CANCER

Cancer in remission — when health cover becomes possible again

The standard line is 'no cover for 5 years post-cancer.' That has been wrong for several common cancers since at least 2020. Here is what actually happens.

2026-05-12
CONDITION GUIDE · CARDIAC

Cardiac cover after bypass or angioplasty — when, with whom, at what loading

Post-bypass patients are often told no insurer will touch them. That's been wrong for a decade. Yes, cover is possible — with the right timing, documentation, and a careful application.

2026-05-08
CONDITION GUIDE · DIABETES

Diabetes on tablets — what changes vs insulin (and what doesn't)

Tablets-only diabetes is underwritten differently than insulin. The gap matters more than you think — and one thing never changes: the declaration.

2026-05-04
CONDITION GUIDE · DIABETES

Health insurance with insulin-dependent diabetes: here’s what actually works

Insulin-dependent diabetes is one of the trickiest conditions to insure in India. Trickiest doesn’t mean impossible — the answer is usually about which insurer, and how you present the file.

2026-05-01