Family & Personal Safety
Life Insurance Advisory
Q. Why we need Life Insurance?
A. Insurance is the only Financial vehicle which can Guarantee, a known Sum at any unknown time.
Through Life Insurance we secure the Goals we planned for our Children’s.
When the Bread winner dies, there are 3 deaths, the Husband, the Father, and the Income.
One of 2 things are certain, you will live or you will die, if you live you will need money and if you die your family need it to survive the same standard of living you use to provide them.
”Leave your dependents something which will take care of them; instead of something they will have to take care of”.
“Life Insurance is like Fun- the older you get, the more it costs- and the harder it is to get”.
“Plan for life as though you will live forever. And Plan for death as, it will come tomorrow”.
“If you can insure your vehicle, why not yourself? Your life is more valuable than your vehicle”.
The Best and cheapest Insurance is TERM PLAN which will give you Maximum Cover, Maximum term in minimum premium (Depends on Age and Health Factors).
For more Details please feel free to consult us. Just write us a mail about your requirement and we will be at your service with solutions.
Medical Insurance : -
Q. Do you want your savings to be spent on your Health / Accident and other family members Hospitalizations?
Q. Do you want that your parents / Family spend their earning on your Hospitalization? If your answer is “NO”, than you should go for a Medical Insurance.
It may make you pay small amount of premium but will compensate you & your family for the Treatment and other medical expenditures.
Health Insurance may be the most important type of insurance you can own. Without proper health insurance, an illness or accident can wipe you out financially and put you and your family in debt for years.
What is health insurance and how does it work?
Health insurance is a type of insurance that pays for medical expenses in exchange for premiums. The way it works is that you pay your monthly or annual premium and the insurance policy contracts healthcare providers and hospitals to provide benefits to its members at a discounted rate. This is how hospitals and healthcare providers get listed in your insurance provider booklet. They have agreed to provide you with healthcare at the specified cost. These costs include medical exams, drugs and treatments referred to as "covered services" in your insurance policy.
We can provide Medical/Health Insurance to,
1) Normal Health Personnel
2) Senior Citizens (From day one cover, with some conditions)
3) Who had gone through Cardiac Arrest
4) Who are Diabetic
We also consult in Corporate for Group Medical Insurance at competitive premiums.
Contact us with your details for the Medical Plans which will suits you.
Accident Insurance: -
Any Accidental Hospitalization and Accidental Death is cover under this Insurance. The accident for example, falling down from the stairs, vehicle accident, etc. The Accidental Insurance is available at very lowest premium for example for Rs.2 Lac of Death and Rs.1 Lac of Hospitalized expenses, the premium is Rs.303/- including Taxes. This is just an example to convey the affordability.
You can GIFT this insurance to your family members, friend, for your Employees, for Schools / Colleges etc. instead of Gifting some other valuables.
Travel Insurance : -
Travel insurance can help cover Medical Expenses or Financial Losses you might incur while travelling. It's often pitched as the best protection for those traveling domestically or overseas. This article will explain what kind of coverage you need before you sign on the dotted line and start paying for protection against the unforeseen and unpredictable.
Q. Why we need Travel Insurance Cover?
There are five main categories of travel insurance:
- Trip cancellation
- Travel medical
- Major medical
- Emergency medical evacuation
- Accidental death/flight accident
Fire & Burglary Insurance for Home / Office / Factory Insurance: -
Insurance that is used to cover damage to a property caused by fire / Burglary. Fire insurance is a specialized form of insurance beyond property insurance, and is designed to cover the cost of replacement, reconstruction or repair beyond what is covered by the property insurance policy. Policies cover damage to the building itself, theft (forcefully entered by breaking the entrance), and may also cover damage to nearby structures, personal property and expenses associated with not being able to live in or use the property if it is damaged.
For Example: - You can have 7.5 Lac of cover in just Rs.499/- in Fire and Burglary insurance package policy.
Note: -The premium and Cover may change in coming Future.
Marine Cargo Insurance covers Loss or Damage to Cargo while being transported by Rail, Road, Sea and Air.
Cover for Insurance of Goods dispatched within the country by Rail/Road/Air Freight Registered Post or for Import or Export by Air / Sea / Regd. Post.
If the insured is having frequent large number of dispatched / or incoming materials Dispatches, it becomes inconvenient to go for individual policies for every dispatch. For such cases Marine Open Policy is very convenient document.
By express agreement Covers Import Export domestic transits in a single policy. The Sum Insures represent the insured annual sales turnover and the same is required to be exhausted by paying appropriate additional premium before getting exhausted by the declaration based on the sales turnover which should be made every quarter