FAQs
Questions people actually ask us
Straight answers, including to the awkward questions about risk, fees and what happens when things go wrong.
General
About us and how we work
Is Pandey Consultancy the official Asclepius Wellness website?
No. We are an independent direct seller of Asclepius Wellness products. This website is owned and run by Pandey Consultancy. It is not the official Asclepius Wellness Private Limited website and we do not speak on the company's behalf. For official company information, visit asclepiuswellness.com.
Who will I actually be dealing with?
Naveen Kumar Pandey, the proprietor. He is an AMFI-registered mutual fund distributor (ARN-276664, EUIN E521164), a licensed agent for Max Life Insurance, Bajaj Allianz General Insurance and Care Health Insurance, and an Ayurveda Health Advisor. The business is GST-registered as Pandey Financial and Wellness Services, GSTIN 09ADUPP9793Q1ZT.
How can I check that you are registered?
Ask us for a copy of any registration and we will send it. The ARN can be checked on the AMFI website, and each insurer can confirm an agency code on request. Every number we publish is printed on a card or certificate we hold.
Do you charge a fee for advice?
No. There is no consultation fee for our wellness, mutual fund or insurance guidance. On mutual funds and insurance we are paid a commission by the fund house or insurer, which is already built into the product and is disclosed to you. We are a distributor and an agent, not a fee-charging investment adviser.
Which areas do you serve?
We are based in Keshav Nagar, Lucknow, and meet clients in person across Lucknow and the surrounding districts. We also serve clients anywhere in India over phone, WhatsApp and video call — mutual fund and insurance work can be completed fully online.
How do I start?
Send a WhatsApp message or fill the enquiry form on this site. We will call you back, understand what you need, and explain your options with no obligation to buy anything.
Wellness
Wellness products
Are the products genuine?
Yes. We supply Asclepius Wellness products through the company's own distribution system as a registered direct seller. Every order is billed and every product carries the company's batch details.
Are the prices on this site final?
The prices shown are the company's published MRP in Indian Rupees. Prices, pack sizes and availability can change without notice, so please confirm the current price with us when you place your order.
Can these products treat or cure a disease?
No. These are Ayurvedic and wellness products for general daily use. They are not medicines and they are not a substitute for a doctor. If you have a health problem, are pregnant, or are already taking medicines, please talk to a qualified doctor before using any product.
How do I order and how long does delivery take?
Send us the product name on WhatsApp or use the enquiry button on any product. We confirm the price and availability, take your address, and place the order. Delivery time depends on your location and the company's dispatch.
Can I return a product?
Returns and replacements follow the Asclepius Wellness company policy. Tell us immediately if a pack arrives damaged or sealed wrongly and we will help you raise it with the company.
Investments
Mutual funds and SIP
How much money do I need to start a SIP?
Many schemes let you start a monthly SIP with a small amount. The right amount depends on your goal and your monthly savings — we work that out with you before you invest anything.
Are mutual fund returns guaranteed?
No. Mutual funds invest in markets, so the value goes up and down and returns are not guaranteed. Past performance does not tell you what will happen in the future. We only recommend a scheme after explaining the risk in plain language.
Is my money safe? Where is it actually held?
Your money goes directly to the fund house (AMC) and the units are held in your own name and folio. We never take your money into our own account. Always make payments only to the AMC or the official platform.
Can I stop or pause my SIP?
Yes. A SIP is not a lock-in. You can pause, reduce, increase or stop it. Open-ended schemes can normally be redeemed any time, subject to exit load and lock-in on specific products like ELSS.
What documents do I need?
PAN card, Aadhaar, a cancelled cheque or bank statement, and a photo. If you are already KYC-compliant, the process is faster. We help you with the whole paperwork.
Insurance
Insurance policies
How much life cover do I need?
A common starting point is 10 to 15 times your yearly income, adjusted for your loans and your children's future costs. We calculate it with you instead of guessing.
Term plan or an investment-linked plan?
For pure protection, a term plan gives the biggest cover for the smallest premium. Investment-linked plans mix cover with savings and usually give less cover for the same money. We explain both and let you decide.
My employer already gives me health insurance. Do I still need my own?
Usually yes. Employer cover ends the day you leave the job or retire, and the amount is often small for a serious hospital bill. A personal policy stays with you and gets cheaper the earlier you buy it.
Will my claim be rejected?
Most rejections happen because something was hidden at the time of buying. Declare every illness, habit and existing policy honestly. We help you fill the proposal form correctly and we support you at claim time.
What is a waiting period?
Health policies do not cover certain conditions immediately. There is usually a short initial waiting period, and a longer one for pre-existing illnesses and some specific treatments. We show you these clauses before you buy.
Ready when you are
Could not find your answer?
Send us the question on WhatsApp. If we do not know, we will tell you that too.