Ramani Govindam Insurance Services
Two kinds of protection. One advisor you already trust.
A.V. Govinda Raju has guided Visakhapatnam families through LIC life cover since 2011 and Star Health hospital cover since 2020 — one phone call away when a policy question turns urgent.
What RGIS covers
Health insurance protects against the hospital bill you didn't plan for. Life insurance protects the income your family plans around. RGIS carries both, from two insurers built for exactly that.
The Health Insurance Specialist — hospitalisation, day-care and family floater cover, with claims support from someone who knows your policy by name, not ticket number.
Whole-life and endowment plans that combine life cover with guaranteed savings — the same LIC policies your parents likely trusted, explained plainly for your own goals.
Quick Plan Calculator
Pick a plan and enter your details — the guaranteed benefits are calculated instantly, straight from each plan's published formula. Your exact premium depends on insurer rate tables (age, city, medical history), so send these numbers to RGIS on WhatsApp for a precise quote.
A.V. Govinda Raju — Founder & Advisor, RGIS
Meet your advisor
RGIS isn't a branch office or a call queue — it's one advisor, A.V. Govinda Raju, working out of Kancharapalem, Visakhapatnam. Every plan on this site has been explained, sold and later serviced by the same person, so nothing gets lost in a handover between departments.
Why families stay with RGIS
Based in Kancharapalem, Visakhapatnam — a real office and a real phone number, not a call centre queue.
Your health cover and life cover are reviewed by the same person, so nothing falls between two companies.
Support doesn't stop at the policy document — help with renewals, endorsements and claims when you need it most.
In their words
Real experiences from Star Health and LIC policyholders across Visakhapatnam.
When my father was hospitalised suddenly, Govinda Raju garu helped us file the claim the same evening. Star Health settled it within days.
I bought my Jeevan Umang policy in 2015 and every premium reminder, every doubt — he's answered the phone personally.
Our family floater under Super Star was explained line by line, no jargon. That clarity is why we renew every year without a second thought.
He recommended New Jeevan Anand for my son's future and helped us plan around his college years. Ten years on, it's still on track.
Women Care covered my maternity hospitalisation without any confusion at the counter. RGIS had briefed the hospital desk in advance.
Fifteen years of premiums and not once has this office felt distant. That matters more than any brochure.
My Jeevan Labh maturity payout came through exactly when promised, with him following up at every stage of the process.
A minor surgery, a same-day pre-authorisation, and a phone call that actually got picked up — that's the whole review.
When my father was hospitalised suddenly, Govinda Raju garu helped us file the claim the same evening. Star Health settled it within days.
I bought my Jeevan Umang policy in 2015 and every premium reminder, every doubt — he's answered the phone personally.
Our family floater under Super Star was explained line by line, no jargon. That clarity is why we renew every year without a second thought.
He recommended New Jeevan Anand for my son's future and helped us plan around his college years. Ten years on, it's still on track.
Women Care covered my maternity hospitalisation without any confusion at the counter. RGIS had briefed the hospital desk in advance.
Fifteen years of premiums and not once has this office felt distant. That matters more than any brochure.
My Jeevan Labh maturity payout came through exactly when promised, with him following up at every stage of the process.
A minor surgery, a same-day pre-authorisation, and a phone call that actually got picked up — that's the whole review.
Jeevan Utsav gave us a guaranteed income plan we actually understood before signing, not after.
Two claims in three years for my elderly mother — both approved, both handled without me having to chase a call centre.
He walked us through Assure versus Super Star with an actual comparison, not a sales pitch. We picked what fit our budget.
Renewed my LIC policy for the tenth year running. Same advisor, same trust, zero surprises.
Our claim got flagged for extra documents and he personally drove to the hospital to sort it out. That's service you don't forget.
Bought Jeevan Umang for my daughter's wedding fund. He still checks in every year without being asked.
Our whole family — four policies across two insurers — is tracked by one person who remembers every renewal date.
Jeevan Utsav gave us a guaranteed income plan we actually understood before signing, not after.
Two claims in three years for my elderly mother — both approved, both handled without me having to chase a call centre.
He walked us through Assure versus Super Star with an actual comparison, not a sales pitch. We picked what fit our budget.
Renewed my LIC policy for the tenth year running. Same advisor, same trust, zero surprises.
Our claim got flagged for extra documents and he personally drove to the hospital to sort it out. That's service you don't forget.
Bought Jeevan Umang for my daughter's wedding fund. He still checks in every year without being asked.
Our whole family — four policies across two insurers — is tracked by one person who remembers every renewal date.
From our YouTube channel
A.V. Govinda Raju covers common questions on Star Health and LIC plans on his YouTube channel — two recent videos below.
Credentials on file
For your own verification — RGIS operates under official Star Health and LIC agent credentials.
Official RGIS visiting card
Star Health identity card — Agent / MT code BA0000261420
Message on WhatsApp for the fastest reply, or call directly during office hours.
Already a client?
A quick review helps other Visakhapatnam families find honest, local insurance advice.
★ Leave a Google Review