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What is Insurance ?

The life and property of an individual are surrounded by the risk of death, disability or destruction. These risks may result in financial losses. Insurance is a prudent way to transfer such risks to an insurance company

Insurance are investment instruments that enable investments in Equity, Debt and Gold. These are professionally managed and enable participation of investors in the markets.

Insurance is a collection or a pool of money that is collected and invested there by allotting units to its unit holders and is listed / unlisted.

Investment in funds can be done based on your risk appetite and risk taking ability.

Why Insurance ?

Insurance is a way of managing risks. When you buy insurance, you transfer the cost of a potential loss to the insurance company in exchange for a fee, known as the premium. Insurance companies invest the funds securely, so it can grow, and pay out when there’s a claim.

Insurance is a collection or a pool of money that is collected and invested there by allotting units to its unit holders and is listed / unlisted.

Investment in funds can be done based on your risk appetite and risk taking ability.

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What is term Insurance

A term insurance is a life cover that provides beneficiaries an assured sum after the demise of the policyholder. It provides financial stability for family members in the unfortunate event of death of the policyholder.

How to select a Term Insurance

  • Identify household and lifestyle expenses of your family
  • Select a term insurance cover that matches the income required to sustain your family’s livelihood
  • Ensure that the cover amount includes future financial requirements
  • Check for additional covers and riders included in the term insurance plan

Assures Financial Stability for your loved ones.

Takes care of liabilities,EMIs, education costs, and future expenses

Covers several riders like death by accident, disability, and unemployment

The approx. value should be 15 to 20 times your annual income plus you need to add all liabilities like loans etc.

Suicide is covered only after 365 days. All other types of death are covered.

After submission of all claim documents normally the money is received in 10 to 15 days.

Yes. You can surrender the policy at any time. A term policy does not normally have any surrender value. Only death benefit is payable.

What is Motor Insurance

Your Motor is your pride. You can rely on it to safely transport you to your destinations. You may be a safe driver, but your Motor needs to be safeguarded. A Motor insurance is an ideal way to secure your Motor for damages, or unfortunate events. Your Motor insurance protects you and your Motor from legal or financial issues that may arise in the future.

How to select a Motor Insurance

  • Check the key features and coverage offered (Example: damage, accident, injury to third-party)
  • Check for riders to gain additional benefit from the insurance
  • A comprehensive Motor insurance policy offers effective cover against several unfavourable factors
  • Opt for a personal accident cover for better protection in case of accidents
 

Protect your family due to Motor Accident

Cashless Claims Facility available.

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Injury to Third Party covered.

This is a compulsory insurance. Every claim free year the insured gets a no claim bonus which is deducted from the premium calculation at the time of renewal of the policy.

They are additional covers given by charging additional premium over and above the one charged and offered in the package policy. The popular ones are zero depreciation, engine protect, Key Replacement etc.

There are 2 types of policies. One is Third party / Liability only policy and the second is a package policy or comprehensive policy.

Intimate the claim to insurance co.

The premium is calculated on the type of policy selected, type of usage commercial or private, the IDV and the add on covers selected

What is Travel Insurance

Enjoy your travel to the fullest with a travel insurance backing you. Travel is filled with ups and downs, and it is vital that the downs do not ruin your travel experience. A travel insurance is a saviour when it comes to missing baggage, lost passport, financial or medical issues while on the go.

How to select a Travel Insurance

  • Check that your travel insurance covers illness, emergencies, accidents, loss of baggage, and loss of travel documents.
  • Select an insurance cover that is adequate for the medical services in the destination you are travelling to
  • Choose a travel insurance policy according to your travel plan, is it a one trip travel or multi-trip plan?
  • Check for add-ons, for example and add-on that safeguards your home when you are away

Gives Financial Security to you & your family while travelling abroad.

Gives you money in case of loss of baggage.

Pays for your illness and accidents while travelling abroad.

Any pre existing illness that you may be suffering from before your date of travel and any planned surgery or treatment.

You need to call on toll free no’s which are mentioned on the policy.

You need to send an email to insurance company requesting for an extension for the number of days required , a self declaration of good health and wiliness to pay the additional premium amount chargeable by email. On receiving the additional premium and underwriters approval your policy will get extended.

The sum insured is dependent on the country and place of travel. Medical costs in Asia are cheaper than in Europe. Medical costs in USA are the most expensive so sum insured have to be selected as per the country of travel.

No it is a cheap insurance based on the number of days of travel and the country of travel.

Any hospitalisation due to sudden illness, accidents, personal liability whilst you are travelling abroad. It also covers loss of passport, flight cancellation and delay amongst other coverage.

Travel Insurance secures you from unforeseen accidents whilst you are travelling abroad.

What is General Insurance

Insuring assets and physical entities come under the ambit of General Insurance. Insuring property against theft, fire, personal insurance for health, accidents, and travel, marine insurance, and insurance for legal liabilities.

How to select a General Insurance

  • Define what areas you want to insure - property, Assets
  • Select a General Insurance plan that covers vital aspects of your assets to be insured
  • Raise you deductibles to reduce the premium on your insurance
  • Ensure the sum assured covers the value of the assets.

Protects your assets and possessions against financial loss

Safeguards your assets from fire, burglary, theft, and other risks

Secures your family from uncertainties

It is your responsibility to update the insurance company if there are any additions / changes to your insured assets.

The sum insured is determined by the costs of your assets.

By taking insurance for your property /assets you are protecting yourself from Financial risks should something happen to your assets.

What is Health Insurance

In today’s times, people experience various health problems that are at times life-threatening. Cancer, heart attacks, and strokes among other health issues are claiming both old and young people. Medical issues like these and other health emergencies come unannounced and cause mental, physical, emotional and financial stress for the patient as well as the family. You can ensure financial stability with a sound health insurance policy that prepares you and your family for such challenging times.

How to select a Health Insurance

  • Check for a good hospital-network health insurance plan. The wider network of hospitals the better the policy.
  • Purchase a health insurance at a younger age, or at the earliest to avail lower premiums
  • Select an insurance policy with no sub-limits to avoid undue hassles during claim period.
  • Consider your age, family member’s ages, health issues, and health costs to define the coverage you require
  • Individual policies or family floater plan - each have their advantages. Make an informed decision on which plan would best suit you by reviewing the policies available
  • Check the limits for treatments listed in your health insurance plan. Be aware of the caps for surgeries and treatments in the health insurance policy.
  • Check for additional riders to cover other health related requirements.
  • Always buy your policy from a reputed broker who can give you unbiased reviews about the products available in the market and can help you choose the best policy that suits your needs.

Ensures your loved ones are covered too

Eases your hospitalisation burdens for your family.

Secures your finance for health related issues

By taking insurance for your property /assets you are protecting yourself from Financial risks should something happen to your assets.

By taking insurance for your property /assets you are protecting yourself from Financial risks should something happen to your assets.

By taking insurance for your property /assets you are protecting yourself from Financial risks should something happen to your assets.

By taking insurance for your property /assets you are protecting yourself from Financial risks should something happen to your assets.

By taking insurance for your property /assets you are protecting yourself from Financial risks should something happen to your assets.

By taking insurance for your property /assets you are protecting yourself from Financial risks should something happen to your assets.

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Help for our existing customers.

We understand how important it is to keep an eye on your money – that’s why we make it easy for you to manage and track your investments. Plus, you’ll find answers to your questions and useful information about our products in our support centre. 

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