Hello Kautilya,

Are you living in Bhilwara right now? Or do you live in Bengaluru for work?

If you live and work from 311001, we would not recommend you change your address to get a policy.

If you work from Bengaluru then you can put your current temporary address in Bangalore as your address. However, do mention your permanent address in the form, wherever requisitioned.

Pincode is a material disclosure. Insurers use pin code as a risk and pricing parameter; any misrepresentation would result in the policy getting canceled at a later stage or a claim rejection. We would strongly recommend you against modifying your address or use your company's address.

You can probably explore some more insurers to check if any of them can provide you a cover for your pin code. Advisors in the community can help you  too.

Also, in case you move to another city later, you can then avail the policy.

Hope this helps.