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How to Prevent Losing your Luggage on a Foreign Trip
published on December 6, 2021 | Travel insurance

If you are thinking about why it is essential to have travel insurance, you are on the right page. We have got you covered by covering some tips and telling you how to prevent it from losing. Lost luggage happens, and it sucks, but it doesn’t have to be the end of the world. Complaints of lost luggage have indeed dropped considerably over the last several years, but that doesn’t mean it doesn’t still happen. Sure, you could refuse to check a bag and vow to travel only with a carry-on, but that won’t work for all passengers,

Tips to prevent losing your luggage on a foreign trip:

1. Give yourself some time to connect 

This is the first step to learn why it is essential to have travel insurance. You need to ensure you have plenty of time built into your itinerary to go from your arrival and departure gates if your trip involves a connecting flight. Your bag may not have adequate time to make the connection, and nobody wants to hang around the airport longer than necessary, but if you cut it too close. 

2.  Luggage Tags Are a Good Idea:

But if yours does not, make it a priority to attach one before departing; most luggage will already have some sort of ID tag dangling off the handle. It is easier to determine the exact location of your bag with tags with unique QR codes or embedded microchips. Experts at travel insurance India advise you to include only your email address and telephone number on your bag.

3. Place Your Itinerary and Contact Info Inside Your Bag:

 Besides having your travel insurance India, you can also include a printed copy of your complete travel itinerary inside and contact information inside your bag, on top, where it’s easy to spot. That way, airline staff won’t have too much sleuthing to do should they need to forward your lost bag to you.

4. Check-in Early to Avoid Luggage Being Delayed or Lost:

Baggage is undoubtedly a biggie, along with the reasons why the airlines suggest passengers arrive several hours before departure. It takes some time for baggage handlers to transport all those bags from the check-in drop off all the way over to the airplane.

You can also include travel insurance cover in your luggage, so there is no much confusion.

5. Consider Shipping Your Luggage:

If you have travel insurance cover, you can indeed include this option as airlines offer some protections when bags are lost, but collecting on a claim against your carrier can require a lot of time and energy.

6. Take a Pic, and It will Last Longer:

When you lose a bag, the airline will ask you to complete an itemized list of your bag’s contents, along with the monetary value of each item. You just want photographic evidence, snap a quick pic of your bag’s content if your memory isn’t as sharp as it once was.

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How to get Income Tax benefits from your Life Insurance cover
published on November 29, 2021 | Term Life insurance

Financial worries are the most painful ones that each of us undergoes in our daily life cycle. Death is not invited and if there occurs an unpredicted death, it may affect our family badly if our financial state is low.

 Life insurance cover is a good goal as it will provide security for the family. A part of our income can be safely handed to the life insurance cover every month or year as per our convenience and can get super befitted. Few insurance policies are very flexible and they also get differ from the rates and the types of covers that are chosen like term insurance benefits, term or permanent life insurance, or even whole life insurance and premium life insurance.

Life insurance also provides income tax benefits that include free of tax for any death thus beneficiary can be free from paying the tax and even no tax for the cash whose value grows time by time. However, 10% of tax is to be paid as income tax if we earn more than the limit that is as per the quote each insurance policy undergoes. Yes, it is more important to know about each insurance policy in the insurance market before buying it. There are chances to buy life insurance policies even with pension funds. For pension fund insurance, there will be tax relief based on the premium. Hence everyone can get premium life insurance based on the age and premium they pay. 

Talking about the age limit, the minimum age to enter term insurance is around 18 years and the maximum age is 69 years (pensioner included). Also, the term will get varied with the basic pay too. Term insurance will suit the people who have loan issues and if the budget is too low. Term insurance tax benefit may vary based on the TDS (tax deduction source). To avail of insurance tax benefit, one must have the annual premium at least 10 times. All the tax benefits are calculated by the income tax rules. Section 80C and 10D are the tax acts that are used in current tax benefits calculations.

Plan to go for 10times plus for annual premium and get benefited. If the sum is less than 10 times for the annual premium, then 10% of the amount will be deducted. However, the beneficiary gets free on tax payments when the plan holder is no more. Plan holders age below 45 years can have 10 times the annual premium and the plan holder of age above 45 years get seven times the annual premium. Insurance policies are a bit difficult but if the plan holder chose the right one, then it will be more beneficial for the plan holder and the beneficiary. 

Planning for life insurance based on income is the best thing one must have in mind before entering into the insurance policies. Let our family settle well even in the absence of the family head (income source).

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How to choose the best Bike Insurance Policy
published on November 22, 2021 | Bike insurance

One of the most popular modes of transport on the Indian roads is two-wheelers. The two-wheeler riders are also exposed to high risks of accidental injuries and fatalities but riding a two-wheeler can make it easier to breeze through the traffic. We consider numerous factors such as design, mileage, and price, among others, when buying a two-wheeler. Hence, owning two-wheeler insurance is highly recommended to enjoy the ride without any worry. The third-party insurance cover is obligatory, which gives you coverage against a third party’s financial liabilities.

It is advisable to purchase a standalone own-damage cover or a comprehensive insurance plan that will cover both aspects under a single premium in a hassle-free manner; hence, it is also advisable to think about the cost of own-damages in a mishap. 

Why should you buy two wheeler insurance online?

Motor insurance is mandatory as per the Motor Vehicles Act 1988; riding a bike without insurance is an offense that’s punishable by law. As per law, only third-party insurance is mandatory, and people prefer buying a third-party cover to save on premium. However, it is essential to understand that having insufficient insurance cover is as good as having no insurance at all. Therefore, it is necessary to compare bike insurance online and buy an insurance policy that meets your requirements in the best way.

Tips to consider when it comes to buying two-wheeler insurance online:

You consider various factors like looks, mileage, cost, etc. Similarly, you should choose the right insurance cover for your two-wheeler by going through several aspects while buying a two-wheeler. As a comprehensive two-wheeler insurance cover provides an all-inclusive cover, it is advisable to prefer buying cover over third-party insurance.

  • Know your Coverage Requirement:

It is essential to make an assessment based on your requirement and budget before you start to look for insurance. Bike insurance is of two types depending upon coverage – third-party cover and comprehensive cover. Based on your two-wheeler usage, your expenditures, and other existing liabilities, choose a plan that offers the right range.

  • The Cubic Capacity of Bike Decides your Premium:

When you are choosing insurance, be informed about your bike’s cubic capacity as your bike’s cubic capacity decides the insurance premium that you will pay. If the cubic capacity of your two-wheeler is high, your premium will also be on the higher side under the motor vehicle insurance quote.

  • Understand Insurance Declared Value (IDV):

Ideally, as per the motor vehicle insurance quote, IDV is the current market value of a vehicle. IDV is the maximum sum insured fixed at the time of purchasing a policy and is the amount that will be paid in case of total loss or theft of a two-wheeler. As a vehicle age, depreciation will increase, IDV will decrease, and as a result, the premium will get lower year-on-year. Keep the above points in mind when buying insurance, and also ensure to renew your policy on time. 

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How critical illness insurance can offer financial support
published on November 19, 2021 | Critical Illness insurance

Critical Illness is a condition when someone’s life is in danger and he/she requires emergency treatment as soon as possible and too much money is needed to cure the illness.

Critical Illness insurance is also called catastrophic illness insurance.

When there’s some sort of big health emergency, such as heart attack, cancer, etc., medical insurance is the only thing that helps to prevent financial problems.

In Today’s generation, there is a risk of critical illness and the medical treatment required a high cost. That is why one should make a cover plan for health or medical insurance or the health cover.

All these insurance not only help the people at the time of need but also provide a huge amount of money and also provide a financial backup plan.

Under the plan of critical illness, one needs to pay the total amount of money to the insured so that it can be used later on for the treatment costs and also to pay the debts that are take because of diseases.

For firefighters and first responders, its job is related to a danger that why they need emergency services as these services come along with the health problems that are too risky for someone’s life. A firefighter’s life is risky than an American as fighters cause the cancer issue easily, heart attacks, failure of kidneys, and many more other health-related issues. As firefighters work in such a risky place that is a too hazardous place to work. Members of this field should offer some health illness insurance to them so that they can feel that we care about their life and health and also their financial status.

Why we need Critical Illness Insurance

In today’s world, there is a rise in incidences and lots of risk in people’s life due to various health problems. Because of all this treatment, we need a critical plan more significantly as in our latest generation cancer surgery can up to Rs16-18lacs, transplantation of the liver can cost Rs24-35lacs. So because of all these huge figures, one needs a critical illness insurance plan.

Benefits of Critical Illness Insurance-

One gets payment in a lumpsum amount- The insures pays the full amount of money. We can use this money to pay off the debts, to pay the treatment costs, recuperation expenses.

The procedure of claiming is easy- Hospitalization does not need to be important for claiming the insurance one can get the claim through diagnosis reports also.

The waiting period is less – One must wait for up to 3months for claiming.

Benefits to Avail Tax-Under section 80D Critical Illness plans offer tax benefits with medical insurance.

Under the policy that covered certain list of illness diseases-

Cancer, first heart attack, coronary artery disease, coronary artery bypass surgery, heart valve surgery, surgery to the aorta, stroke, kidney failure, Aplastic Anaemia, End-stage lung disease, End-stage liver failure, Coma Major Burns, Major organ or the Bone marrow transplantation, the Multiple Sclerosis, the Fulminant Hepatitis, the motor neuron disease, the  primary pulmonary hypertension, the terminal illness and bacterial meningitis.

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Future of Cybercrime and Cyber Insurance
published on November 15, 2021 | Cyber insurance

The insurance policies have been working as a savior to cover up the losses suffered due to distinct rationales. Insurance policies work on a principle that, if the damage of an asset is endured, the victim is liable to cover-up the damage with the help of insurance. With the upswing in the number of crimes recorded, it has been crucial to modify the cybercrime insurance policies to ensure maximum valid returns. The boost up in the technical facets has raised the number of cybercrimes as well.

The smartest crimes are executed through cyber and are born to earn a sum on a large scale. Working with insurance can help retain the monetary and informative loss in the IT networks. Opting for a cyber-insurance policy empowers assistance when faced with any stature damage or regulatory enforcement. When dealing with cyber fraud, the stakes fall in two categories, first-party threats, and third-party threats. A cyber fraud insurance policy is capable to cover up either of these or both types of risks.

The first-party risks are the ones when a business suffers the loss of its assets. First-party insurance will cover up the loss of the business’s properties.

  • The damage or loss to the digital possessions including database or software programs fall under this category.
  • Cyber exhortation cases where the third-party threatens to cause deterioration or data release in case of untimely monetary payment also fall under first-party insurance.
  • Intruding the business or causing damage to the business in the network downtime.
  • The data breaching results in hampering the reputation of the company along with the loss of diligent property or valuable customers.
  • Monetary theft including digital assets or equipment theft comprising electronic theft also falls under first-party insurance.
  • The expenses spent on notifying the consumer regarding any privacy breach. The notification can be a legal or regulatory requirement in case of any security or data breach.

The third-party risks deals with the risks of others. Here, the word others refer to the customers benefiting the services of the company.

  • The privacy breaching affects the consumer data stored in the company’s system. The security breaches, investigation costs, and other sophisticated damages correlated to them can be covered up through third-party insurance.
  • Cybercrime may lead to loss of third-party data of the consumer incorporating the payments, compensations, records of service providing, denial entrance, downfall in the software systems, etc. All these losses can be covered in third party insurance.
  • The detriment to cover the investigation charges, defence expenditures, civil ravages that arise from slander, secrecy breaching or ignorance in publishing through electronic printing medium falls under the third-party insurance.

Being pre-equipped with a cybercrime insurance policy can aid to conceal up all the losses and damages caused to the company and the valuable data related to it. Even a minute leak in the consumer or company data results in a great penalty. Applying for insurance can be a king-term protection plan for company data. Cybercrimes are one of the most complex crimes to reimburse the loss suffered. As a conclusion, preferring an insurance policy can save you from untimely damage and it’s relative expenses. 

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Five benefits of home insurance that other policies don’t offer
published on November 1, 2021 | Home insurance

It is essential to understand what house insurance is to realize the value of house insurance/home insurance. Home insurance cover is a unique type of property insurance covering your house from different kinds of dangers like accidents, perils, damages, and thefts. If the house gets damaged, the emotional and financial pain of rebuilding a house or reinstalling its contents is painful, challenging, and tedious. A comprehensive home insurance policy spares you the horror of the same.

Insurance companies provide different plans under house insurance such as landlords’ insurance, tenants’ insurance, content insurance, buildings insurance, etc. A standard house insurance plan also covers loss and damage caused to your property due to a fire accident, theft, allied perils, and burglary.

Some of the benefits of the home insurance cover are:

1. Protects against liabilities:
House insurance policies provide liability coverage that covers you against personal injuries, property damage to guests, and other third parties that they might have incurred while residing in the insured house. There could also be loss and damage caused to third parties for which you or your family members may be responsible for legal terms. Hence the coverage is critical as it provides protection to you and your house from any possible legal problems.

2. Provides coverage against natural and human-made calamities:
A fantastic home insurance policy protects your house against losses and damages caused due to natural calamities, including earthquakes, floods, lightning, storms, typhoons, etc. The policy also covers your home from human-made hazards and anti-social activities alike. These are acts such as vandalism, thefts, strikes, riots, other activities caused out of malicious intent, etc. It also enables you to recover from the loss and rebuild your home financially.

3. Coverage of temporary living expenses:
When you buy property insurance online, it gives you coverage against temporary expenses. For example, your insured house has undergone some damage and is uninhabitable until you rebuild/renovate it. Then, suppose you rent out another house and apartment to stay there until your own home to a livable condition during the rebuilding/ renovation process. In that case, the insurance company will cover your expenses incurred for paying rent.

4. Coverage for the loss/damage to your valuable assets and precious personal belongings:
Besides covering the structure of your house, house insurance companies also offer policies to provide coverage against loss/ damage of articles/contents kept inside the insured home. It features valuable, expensive, and essential belongings. These include documents, personal belongings, including jewelry, clothing, appliances, furniture, and much more.

5. Makes it easier to avail a house loan from banks:
The majority of the banks preference to those customers who have their home insured. For individual financiers, home insurance is, in fact, one of the primary eligibility criteria for availing of a home loan.
Hence buying a house is the single largest investment for most people. It is a challenging task that involves a lot of planning, saving, and research. Above all, when you buy property insurance online, you can avail this task.

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Factors that affect your Home Insurance Rates
published on October 29, 2021 | Home insurance

Your home’s location, construction, and condition, as well as your credit and claims history, all play a part in how much you pay for home insurance. Insurance companies assess risk in different ways, so it’s essential to compare homeowners insurance quote to be sure you get the most affordable rate. It is critical to review your insurance coverage regularly so you can be sure your coverage keeps pace with the cost to repair or rebuild your home and replace its contents, including any upgrades you might make over time.

Some of the things which affect the homeowner’s insurance quote are:

  1. The replacement cost of your home – Under-insuring your home’s value is perhaps the biggest mistake homeowners make when insuring their homes. Not having enough coverage can lead to financial pain if the worst happens. Replacement cost is the amount of money to build the exact same house where it stands now. This is different than a home’s market value. Market value includes other things, such as the land’s value.
  2. Home insurance deductibles – A deductible is an amount you pay toward a loss before your insurance company pays a claim. Choosing the right deductible amount is a significant decision. The higher the deductible, the more money you save on premiums.
  3. Age of house, roof and materials – As your home and roof age, they could become more susceptible to damage from weather elements or even internal deterioration. Replacement costs, including material and labor, go up over time.
  4. Wood-burning stoves – If you have a wood-burning stove, you could limit potential premium increases by providing your insurance carrier with proof your wood-burning stove was installed by a licensed contractor and meets code requirements. Install smoke detectors on all levels of your home. Additionally, keep a fire extinguisher in an easily-accessible location and make sure everyone in the household knows how to use it.
  5. Marital status – When it comes to buying home insurance online, insurers tend to smile at married homeowners. Married couples historically file fewer claims than singles and are seen as, possibly, more mature and definitely less of an actuarial risk by insurance companies.
  6. Having a swimming pool, hot tub, or outdoor spa – These nice-to-have features will increase your home insurance rates because you’ll need additional liability coverage in case someone is injured, and the Insurance Information Institute suggests homeowners with swimming pools and other special features, such as spas, consider an umbrella policy to provide additional protection in the event someone gets injured on your property and decides to sue.
  7. Home-based businesses – As per experts who offer home insurance online, you may need coverage for equipment and electronics, business vehicles, and inventory stored on site if you work from home. Standard homeowners insurance may provide some protection for business equipment, but coverage varies by policy and may not be enough.

Hence, insurance companies use multiple factors when setting your home insurance rates. These factors point to the importance of shopping for home insurance.

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Employee Benefits: Compensation Ideas for a Diverse Workforce
published on October 25, 2021 | Health insurance

Employees are a company’s most valuable asset. They love benefits. They want appreciation and recognition for their hard work. Not to forget that many employees apply for organizations depending on the perks and services offered by that company. These are non-monetary benefits provided to attract and retain employees and are also called as fringe benefits. Employee Benefits like unlimited vacation and work from home privileges are things of the past now. The employees of today appreciate health insurance plans.

Preferred compensation types:

Health Insurance:

Health insurance plans are great ways to show your employees that you care about them. The organization pays specific amounts of money to cover for an employee’s medical care. These include insurance for losses from accidents, disability, sudden death, dismemberment.

Disability Insurance:

The employer pays for the worker’s salary if the worker becomes disabled or is unable to work. An employer can provide either short-term or long-term disability or health insurance for employees, depending on the employee’s needs.

Tuition Reimbursement:

Organizations offering employees to pay back for their education expenses is an excellent employee benefits idea. Employees have to pay on their own before taking up a course.

Retirement Benefits:

You can add in your compensation package is providing your full-time employees with financial security.

Paid Sick Leaves:

It will directly affect their productivity and efficiency when employees will be weak but still have to work. Hence you need to have some policy where they can avail paid sick leaves is a great way to show that you care for your employees’ well-being.

Performance Bonus:

Employees continue to perform well when you appreciate employees for their hard work and achievements, as everyone wants to and loves being appreciated. Hence you need to reward them for their performance motivates and encourage them to achieve goals more effectively. A corporate travel insurance policy is also a great idea. 

Stock Options:

The company offers the employee the right to buy some shares in the company at an agreed-upon price by a particular date. It helps employees have ownership over something that they are working to build too.

Paid Parental Leaves:

Besides buying a corporate travel insurance policy, you also need to provide paid time off to employees to take care of their child or a family member. Parental leaves can be in the form of paternity leaves, maternity leaves, or even adoption.

Wellness Programs:

These are programs initiated by the company to encourage employees to maintain a healthy lifestyle. These include programs such as gym memberships, weight-loss competition, smoking cessation, health screenings.

You can make your company more diverse and inclusive when you provide your employees with the right kind of benefits, and perks are essential. It is necessary to attract and hold on to your top talent. But, it is of utmost importance that you have a comprehensive and dynamic employee benefits plan.

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Do’s and don’ts before buying Two-Wheeler Insurance
published on October 22, 2021 | Bike insurance

As per the Motor Vehicle Act of 1988, having a motor insurance is compulsory for all vehicle owners in India. This move was conceptualized for the benefit of both parties, the one involved and one who may get involved in an unfortunate accident or mishap.

Some of the dos under insurance buying process by highlighting just the essentials:

  • You need to know about types of insurances- You need to be well-aware of the two basic types of coverages. When you buy two wheeler insurance online, there is also a third-party plan with only third-party legal liabilities. It is a basic plan with lower premium rates. Under the comphrensive plan, you can get a complete cover package that includes third-party liabilities as well as personal accident cover.
  • Look for add ons- in a few words, the current insurance market scenario stands as a well-planned and organized machine. Additionally, under two wheeler insurance, online add ons focus on the pain areas of several customers and tend to the need of the hour for each of them separately, including repairs, roadside assistance, the return of invoice value, accessories cover, etc.
  • Understand the IDV: one of the essential factors that need to be considered while reducing the premium amount of your vehicle insurance is Insured Declared Value (IDV). It is the current valuation of your two-wheeler in the market. Depreciation of the two-wheelers is factored into the IDV, and the IDV is then calculated.
  • Look for the coverages-, basic coverages are similar which are offered by most of the insurers. You must carefully go through and understand every factor included to be claimed in case of damage or loss. Under the cover, Natural calamities, human-made disasters, etc., are included. It is impossible to know when to claim without having sufficient knowledge of this.
  • Remember the inclusions and exclusions- it is essential to know and keep in mind when you are eligible for a claim, and when you are not, be it the add-on or the necessary cover. When your two-wheeler vehicle has been damaged due to driver intoxication, then making a claim is a futile effort.

Don’ts under a two-wheeler insurance policy:

  • Do not go for a cheaper cover that does not cover well- There might be covers that may give you premium respites. However, this is not always recommended for you.
  • Do not delay in filing for the claim- Filing a claim within the stipulated time is the only way to ensure you receive the benefits of the insurance policy. Claiming the policy even a day after the slotted time will disqualify your entitlement to the claim.
  • Do not forget to renew policies- if you own a two-wheeler vehicle, Two-wheeler insurance. So you can proceed to renewals and are always covered by setting reminders for getting a heads-up on when the policy expires.

Hence when it comes to buying a two-wheeler insurance policy, you need to know one thing for sure that if you fail to understand any part, get in touch with your insurance provider. 

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Does your health insurance cover COVID19?
published on October 21, 2021 | Health insurance

Pandemic declared coronavirus (COVID 19) had impacted the lives of many across the globe. To offer protective coverage for expenses related to the coronavirus disease, the Insurance Regulatory and Development Authority in India (IRDAI) had issued a circular asking the insurance providers to develop health insurance plans. 

What is Coronavirus (COVID-19)?

Novel coronavirus (COVID-19) is a group of viruses that attack a person’s immune system, resulting in diseases as mild as the common cold to as severe as Severe Acute Respiratory Syndrome (SARS).

These include fever, dry cough, tiredness, and sore throat. However, the disease affects different people in different ways. It has been fatal for people aged above 60 years and those with pre-medical conditions.

What is Coronavirus Health Insurance Policy?

Among all the health insurance plans for families, Coronavirus health insurance policy is a customized health insurance policy aimed at covering hospitalization, pre-hospitalization and post-hospitalization expenses, and other medical costs arising due to the treatment of COVID-19. The cover is available from day one after the insured is tested coronavirus positive. Almost all health insurance policies now offer cover for the treatment of coronavirus in India.

Things to consider when it comes to buying health insurance plans for the family:

The credibility of the provider- 

The first and foremost evaluation of buying the best Corona Virus Insurance has to be to check the insurance provider’s credibility. Several companies are offering competitive rates and insurance benefits. However, not all may be as proactive when it comes to approving a claim.

Affordable premiums:

Buying COVID-19 insurance is essential, especially for those in high-risk areas. Still, the current situation has affected everyone’s income stream, and thus, it is even more important to buy a cover that has premiums enough to fit into your budget.

Simple process:

It would be best if you also considered this aspect when it comes to buying COVID Insurance is the process of applying and processing the claim. Please read carefully through the company policies to ensure their claim process is hassle-free and straightforward, so your family doesn’t have to run from one end to the other, making insurance claims.

Things covered under COVID health insurance:

  • Hospitalization Expenses: Coronavirus health insurance policies cover hospitalization expenses arising from COVID-19 if it exceeds 24 hours.
  • Quarantine Cover: COVID-19 specific health insurance policies also cover the insured individuals quarantined in government identified authorities.

Things not covered under COVID health insurance:

  • Home Quarantine: Expenses incurred during the quarantine period spent at home are not covered under COVID-19 specific health insurance policies.
  • Pre-Existing Diseases: Any expenses arising due to treatment of pre-existing illnesses are not covered until the waiting period is completed
  • Hospitalization Without Doctor’s Recommendation: If the insured gets hospitalized without the recommendation of a qualified doctor as specified on the prescription, then he/she will not be covered for the expenses arising due to treatment.

The claim settlement process for coronavirus (COVID-19) health insurance policies is similar to standard health insurance policies.

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CIN: U67200MH2003PTC141621
IRDAI Registration No.: 217
Valid from : 13/10/2018 to 12/10/2021
Category : Composite Broker
Principal Officer Name: Mr. S. V. Thakkar
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