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What Should You Car Insurance Policy In India Look Like
published on April 1, 2022 | Car Insurance

According to the Indian Motor Vehicle Act, car insurance is compulsory in India. But you should be aware that only third-party insurance is mandatory. To pick adequate car insurance depending on your requirement, it is essential first to understand insurance companies’ kinds of car insurance.

Form of Car Insurance

In India, two Kinds of car insurance plans can be found:

  1. Third-Party Insurance
    Third-Party Insurance-auto insurance is simple vehicle insurance. Depending on applicable terms and requirements, it ensures physiological accidents/damage (s) or losses caused by some third-party vehicle/property from the insured automobile.
  2. Comprehensive Insurance
    Comprehensive Insurance-True to its title, the complete vehicle insurance policy provides an improved insurance policy. It ensures third-party liability in addition to personal damage to the insured motor vehicle.

You can buy any car insurance policy online. While using comprehensive online insurance for new cars is discretionary, a third-party automobile insurance policy is required. The policyholder may opt for extra riders and avail personalized insurance policy.

Five engine insurance terms in India

While moving through your car insurance records, you could have felt you’ve entered a world filled with words and jargon. However, don’t worry; we’re here to address your issue. Here are a few of the vital car insurance terms which Can Help You understand your policy records in a much better manner:

Insured Declared Value (ID)

The ID of a car is described as the maximum amount that the insurer pays in theft or total loss of the motor vehicle. ID is usually the present market value of a car and comes into film throughout insurance claims.

Zero Depreciation Cover

After a claim is enrolled after a collision, online insurance for a new car utilizes a formula that factors in depreciation to determine the payable sum. Cars do depreciate, which might leave you paying a hefty portion of the general cost, even in the event you’ve got extensive coverage.

No Claim Bonus (NCB)

NCB is a reduction a policyholder receives from the insurer for producing zero promises during the policy term. NCB is used on policy renewal, which lessens the insurance premium level appreciably.

It varies between 20 per cent to its 2nd year and around 50 per cent to its 6th year. Because of this, it’s a good idea to refrain from claiming minor harm rather than reap the advantages of the NCB.

Voluntary Deductible

Voluntary deductible is your limitation selected by a policyholder to fulfil part of the claim from his pocket. This amount depends on the policyholder variables in his worth and risk; however, the voluntary deductible isn’t mandatory. Bear in mind, that the greater the voluntary allowance, the lower the premium.

Third-Party Liability Cover

A Third Party Liability Cover secures the Car owner against any financial responsibility caused by death, bodily injury, or harm to another party, i.e., somebody aside from the automobile owner and the insurance company.

According to the Indian Motor Act, the third-party cover is a Compulsory Insurance necessity to drive a car legally on Indian streets. After understanding the basic terms, you can buy a car insurance policy online.

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Ways to Receive a Cheap Insurance Policy for your Car
published on March 28, 2022 | Car Insurance

Bought your first vehicle? Congratulations! Before you hit the streets, make sure your car is protected by utilizing vehicle insurance. Purchasing new car insurance policy work wonders in safeguarding your asset. Whether you’re concerned about enduring the expenses of unintentional harm or property invoices for third-party property damage, auto insurance is the final savior.

There are loads of insurance products on the current market, all promising you a world of benefits and savings. Thus, it’s crucial to purchase a worthy insurance program. But, it’s also vital to pick out an inexpensive auto insurance program.

Here are a few ideas that can allow you to pick out the very best four-wheeler insurance without damaging your own pockets.

  1. Before buying a car, compare insurance prices

Afore buying car insurance, check the cost of it. Car insurance premiums are concerned in part with the car’s price, the expense to fix it, its overall safety record, and the chances of theft. Many insurance companies offer discounts for features that reduce the possibility of accidents or theft.

  1. Shop around

Costs Differ from firm to firm, so it wages to shop around; that’s why you must attempt to get at least 3 price quotes. It would be helpful for you to call companies directly or access car insurance online price. Your state insurance department may also offer judgments of charges charged by significant insurance businesses.

Get car insurance price quotes from different kinds of insurance businesses. Some sell through their representatives. These agencies have the same title as the insurance carrier. Some of them sell by independent agents who offer policies from several insurance firms. Others don’t use agents. They sell directly to customers over the telephone or through the Net.

  1. Always ask for greater deductibles

Deductibles are the term used for what you pay before your insurance coverage kicks in. By requesting higher deductibles, you can reduce your costs substantially. For example, raising your deductible from $200 to $500 could decrease your collision and comprehensive coverage cost by 15 to 30 per cent. Moving into a $1,000 deductible can save you 40% or more. Before choosing a high deductible, make sure you have enough money set aside to pay it if you have got a promise.

  1. Ask about group insurance

Some of the firms offer discounts to drivers who get insurance through a group plan from their employers through professional, business, alumni groups, or different institutions. You can ask your proprietor and inquire with groups or clubs you’re a member of to determine if this is possible.

  1. Maintain a Fantastic credit record

Forming a decent credit history is able to cut your insurance costs. Most insurance companies use credit information to price car insurance policies. Research demonstrates that individuals who effectively handle their credit have fewer promises. To guard your credit standing, pay your bills on time, do not get extra credit than you need, and retain your credit balances as much as possible. Check your credit report regularly and have any errors corrected promptly so that your record remains accurate.

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10 Easy Steps To Find The Best Health Insurance Policy In India
published on March 28, 2022 | Health Insurance

There is nothing surprising to know that health insurance is one of the essential insurance policies to have considering the spike in the occurrence of health problems at an early age, in the current era as astronomical medical treatment costs place apparent stress on the necessity of having a health insurance policy.

You can buy a health insurance policy from the insurance company in India, but unfortunately, health insurance in India is the most neglected type of insurance as it doesn’t provide any benefits unless one falls sick. While no one wants to fall ill but one needs to understand that health problems are an undeniable part of our lives.

But it is essential to stay prepared for the financial consequences of a health problem as one cannot plan and get sick, but one can certainly stay financially prepared for the worst.

Steps to buying a General insurance policy:

Look for the right coverage- 

One needs to choose a health plan that secures them against a wide range of medical problems and provides benefits, including pre and post-hospitalization, daycare expenses, transportation, and illnesses that they may be at risk of due to their family’s medical history, etc. 

If one is buying health insurance for your family, check whether the policy meets the needs of each member of their family and consider their requirements, compare plans on benefits and costs, and apply a little due diligence to choose a plan that caters to their needs.

Keep it affordable:

While it is essential to buy a health plan that meets one’s needs, it is equally vital that it suits one pocket, and budget is a hugely important aspect when purchasing health insurance. But one needs to consider the plan benefits before them and consider the price of the plan.

It is a wise decision to buy a reasonably priced health cover at the start to ensure one is adequately covered and the premiums are also affordable review the plan and increase cover appropriately with an increase in income, family size, and requirements.

Prefer family over individual health plans:

Individual plans are suitable for individuals who do not have a family to support, if one is buying health insurance keeping their family in mind, purchase a family health plan to enjoy almost all the benefits at a more affordable price.

Choose a plan with lifetime renewability:

When one buys health insurance, they need to check for how many years the plan will cover them, or it offers limited renewability or not. It is mainly because one will need a health plan the most during the later years of age, so choose health plans which offer lifetime renewability.

Hence before choosing any insurance policy, one needs to compare health insurance policies online to ensure that they align with their needs. Consider requesting a quote online, which means one can enter details on the website and get an estimated premium for the policy.

Thus, these tips can help you find the best insurance policy. 

 

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Why Should You Buy Health Insurance for Your Parents Now?
published on March 14, 2022 | Health Insurance

To best the growing rates of medical care, possessing a medical insurance policy becomes quite significant. It’s been frequently observed that medical crises do not wipe out your entire life savings and make the stress of organizing for extra funds if needed. 

Not having health insurance not only simply contributes to a financial drain but also impacts the whole family emotionally.

But if you’re insured under a group health insurance plan, regardless of how sudden the medical crisis is, financially, you wouldn’t need to fret about the hefty medical bills. At precisely the same time, you can focus on restoration.

That is because you know that the insurance company will take Care of their financial burden. By paying a small amount for health care, you make sure access to the best medical center at the hour of need.

Characteristics of Health Insurance for Parents

  • Claims for specific illnesses and pre-existing ailments are coated post conclusion of the expected waiting period.
  • Health insurance for parents provides health cover to senior citizens; in other words, people over 60 decades old are also qualified.
  • Health insurance plans for the family usually cover medical facilities such as ambulance services for parents.
  • Several medical insurance coverages for parents include attributes like lifetime renewals. Nonetheless, this is important only when the insured hasn’t taken a break involving policy years.
  • Modern attributes like cashless therapy and maintaining compensation through settlement are being supplied by virtually all health insurance companies to health insurance plans for families.
  • Health insurance for parents typically permits policyholders the flexibility to pick the amount insured according to their taste, which they believe is sufficient coverage for their health conditions.
  • The health care facility is appropriate for particular health insurance for parents. It makes policyholders entitled to reduced premium payments also, in some instances, also offers attractive discounts.
  • Health insurance for parents provides the policyholder with the accession of their spouse to the identical policy.

How Can Buying Health Insurance for Parents Gain You

Insuring your parents is probably among the very best things to present to your parents. Their old age, they might need medical care, and the expenses may liquefy your (or their) relatively little vegetable cart. Listed below are the advantages of purchasing group health insurance plans:

Financial Independence: When there’s ever an unfortunate demand to hospitalize your parents, they do not need to rely on anyone or you for expenditures. You will be helping them lead a dignified life to get a relatively small annual cost by minding them.

Cover against Pre-Existing Conditions: nobody likes to believe about their parents’ sickness. You may be one of these individuals. It is also possible to be among those men and women who understand the need of the hour and assure your parents against the slight decrease in their health from diabetes, hypertension, heart problems, etc.

Tax Benefits: If your parents are older citizens, you receive a Tax advantage of Rs. 30,000, aside from the tax advantage of Rs. 25,000. Should you insure them, you can avail a tax advantage of overall Rs. 55,000 annually. So the Policy nearly pays for itself.

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Why Buying Health Insurance Online is more Transparent.
published on February 28, 2022 | Health Insurance

Health insurance is a type of insurance in which the medical and surgical expenses of the insured person are covered. These expenses can either be hospitalization expenses, the cost of medicines, or consultation charges of doctors. Sometimes dental expenses are also covered. Either the person insured pays the expenses from his pocket and later gets reimbursed by the insurer or the insurance company directly settles the bills.  Private Health Insurance is also available. Insurance brokers and insurance companies come under this category.

With the constantly expanding costs of medical care in our country, and with the consistently rising instances of diseases, health insurance today is a need. Health insurance provides individuals with much-needed financial support in times of medical emergencies. Health-related risks are a part of life. One can’t plan and become ill yet one can absolutely be ready for the financial aspect. One of the approaches to be financially prepared is by purchasing medical insurance. It is a fact that medical care is an expensive affair. There are many reasons why one should purchase medical insurance like Change in Lifestyle, Rise in Medical costs and Benefit in Income Tax.

Another benefit of having health insurance is that you get cashless treatment. Many insurance companies work in collaboration with various hospital networks. Some policies also cover the amount paid to the ambulance for the transportation of the insured. If the insured does not file any claim for any treatment, he gets a No Claim Bonus (NCB). Free health check-up is provided by some companies on the basis of previous NCBs. The insurance policy also covers room rent depending on the premium paid by the insured.

Many types of health insurance plans are offered by different companies.

  1. Individual Health Insurance plan: This plan covers the medical expenses of the insured individuals.
  2. Family Health Insurance plan: This plan covers the entire family i.e. spouse, children, and parents. Any family member who is covered under this policy can claim for medical or surgical expenses.
  3. Group Health Insurance: This type of insurance plan is bought by an employer for his employees and is standardized in nature.
  4. Health Insurance for Senior Citizens: These plans are designed to meet high medical expenses at old age. Premium is higher in these types of insurance plans.
  5. Critical illness policy: Under this policy, a lump sum amount is paid to the insured person on the diagnosis of some serious disease.

Buying insurance policies online is the most transparent, convenient, easy, and secure method. It also saves time and money. You can compare different plans, features, and costs. You get complete information online and also get adequate time to read all terms and conditions. You can get Health Insurance quotes online on the health insurance premium calculator. It is more or less like getting a car insurance estimate. You need to provide your age, the number of family members to be covered, any pre-existing illness, etc. to calculate your health insurance premium. You get the results calculated immediately by the health insurance premium calculator.

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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 quotes 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 from 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 labour, 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 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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Things to know about cashless health insurance
published on February 25, 2022 | Health Insurance

At times of medical emergency, it is hard to take the financial stress. Medical expenses are costly and not everyone has immediate access to cash. The charges fall high on us and may shatter our financial stability. Going through lots of emotional suffering can create a dig in lifetime savings. But, in this time of need, Health insurance companies are always there to uphold and it’s good to always invest a part of our income in a good health insurance company

Affording good treatment in a private hospital is quite expensive and to even arranging money for the need is difficult. In present days, cashless health insurance plays a crucial role. Most of the companies like Bajaj Allianz, Bharat Axa, HDFC Ergo, ICICI Lombard, and almost 90% of the insurance companies are now cashless. Therefore, you need not run to arrange money, no run to borrow, and no need to sell properties for hard cash to settle the amount.

How does cashless health insurance work?

Mostly the Health insurance claim settlement is done by reimbursement or cashless Health insurance. In reimbursement mode, the cost of treatment needs to be settled. And later all hospital bills lab reports discharge summary and open prescription, and a form by the company to be filled and submitted along with policy copy and bank details, and identity card. This is indeed stressful and havoc.

In a cashless health insurance system, the cost of treatment is in the company’s hands, and no money needs to be spent from the pocket of the insurance member. Insurance companies are in tie-up with many health organizations and they come under the insurance company’s network. Also, a Mediclaim Department in the hospital takes care of this documentation.

How to get a Cashless health insurance claim approved?

  • Hospitalization is either planned or could be out of emergency
  • In a planned treatment, like maternity, knee replacement, eye surgeries, etc all the formalities and necessary paperwork should be done well in advance by the insurer or the third party agent(TPA) before admittance to the hospital.
  • In emergency treatment for accidents, claim intimation needs to be sent to the insurance company by the policyholder giving a few basic details about the policy and the treatment at the hospital.
  • Then the company verifies with the hospital and the insurance company settles all the money.

Key features of this Cashless health insurance

The cashless system varies from previous reimbursement policies and comes up with lots of benefits to the policyholder 

  • There is no need to pay any treatment expenses at the network hospital
  • The insurance covers all Pre and post-hospitalization charges.
  • The cover-ups also include domiciliary hospitalization cost, ambulance fare, Room rent, and all. 
  • This includes expenses related to in-patient hospitalization for more than 24 hours also.

There are often challenges in this system. Hospitals can be removed or added to the Insurance company’s network anytime. Hence, you need to check for the status or it will have to go with reimbursement mode. Make sure to select the right insurance company for your financial well-being.

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Procedure on How To Become an Insurance Broker – Elephant Insurance.
published on February 21, 2022 | Elephant Insurance

Most companies distribute the same through brokers and agents, while few companies sell insurance products directly to clients. To work as per convenience and the opportunity to create a massive difference in a person’s life working as an insurance broker offers more flexibility. It is the most rewarding career as it helps people to take care of children, build assets, plan for retirement, and pass wealth from one generation to the next.

Things that insurance brokers do:

Insurance brokers are majorly independent. They don’t have an agreement with particular insurers. They usually represent insurance buyers and take forward the applications to insurers on behalf of their clients. Ideally, after becoming an insurance broker, they are not appointed by insurers. Instead, they educate the clients about several insurance products from different insurance companies and help them choose the best among them.

The majority of the people wonder whether ‘Insurance Agents and Insurance Brokers – Are the same? 

What makes insurance brokers unique from insurance agents?

Insurance brokers choose from a variety of insurance products and help the clients to choose a policy that is adequate for their needs. In contrast, insurance agents work with one company and sell insurance products available in their company. You can determine the most appropriate products for them, unlike agents, they provide options, and it’s up to the clients to assess the products they need. Additionally, brokers typically charge payments that are higher than those authorized by an agent.

Who can apply for an insurance broker license?

When it comes to becoming an insurance broker, an Insurance broker license and their operations are issued as per IRDA regulations. The ones who can apply for an insurance broker license are:

  • A company registered under the Companies Act, 2013 or any previous variant.
  • A registered co-operative society is registered as per the provisions of the Co-operative Societies Act, 1912, or other similar laws.
  •  An LLP registered under the Limited Liability Partnership Act, 2008.
  •  Any person recognized by the authority.

Qualification and training details:

  • Must have a bachelor’s/master’s degree or any equivalent qualification like being a fellow or an associate of the Insurance Institute of India/Insurance Institute of Risk Management/Insurance Brokers Association of India.
  • The person must have undergone adequate hours of theoretical and practical training recognized by the Insurance Regulatory Authority of India.
  • Once training is over, get passed the exam conducted by the National Insurance Academy.
  • Retain a minimum capital as per regulations provided by the authority.
  • Engage in any insurance consultancy or reinsurance activity for seven years from the date before the application is submitted. Otherwise, being a principal underwriter or manager in any nationalized company in India.

The license can be issued after the necessary conditions are satisfied. Unless the same is suspended by the regulations, it can be valid for 3 years from the issued date. Before the license gets expired, a broker may apply for license renewal within 30 days. Brokers carrying brochures and loads of policy documents to meet people are not a situation anymore.

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What You Need to Know About Cyber security Insurance
published on February 18, 2022 | Cyber Insurance

You need to know that cyber insurance is a policy that helps you in protecting companies that experience financial losses due to cybercrimes, including data breaches,  network damage, etc. In simple terms, cyber fraud insurance transfers some of the financial risks of a security breach to the insurer. But now you must be wondering what cybercrime insurance is, then you must know that it doesn’t do a fantastic job of protecting the reputation damage and business downturn which is triggered because of a security breach.

One thing is for sure cyber fraud insurance does reduce some of the financial damage which you suffer in an attack, but it’s not an excellent solution.

Some things you must know about insurance against cybercrime:

  • It is not preventive directly- Some of the most expensive lessons in risk management a business can get are the hacks because the cost of a data breach surely burns a hole in one’s pocket. The prices mainly include lawsuits, recovery efforts, foregone revenue because reputation is lost, etc. All these costs are covered under Cybersecurity insurance, but you need to know that they don’t prevent them from being incurred. Hence one thing here is for sure cybersecurity isn’t passive insurance that can be bought from any company or consultant. It is nothing but a practice of constant vigilance. Tight security and acceptable practices can prevent you from getting hacked as insurance doesn’t cover all breach costs. 
  • It is a risk management strategy- The insurance mainly covers damage to digital assets, business interruptions, etc., under first-party claims, while under third party insurance covers liability and forensic investigations costs, etc. The cost governance is quite broad, and it is one of the best approaches to both identify and secure the digital crown jewels of the company.
  • Exact wording plays a crucial role- No matter what field you are in, you must know that transparency is the key to success, and the same goes for cybercrime insurance.  By now, you know what cybercrime insurance is, so before you buy one, you must ensure that you understand the risks that are covered under existing insurance policies because they might overlap with the existing policy. 
  • In some areas, the coverage is not enough- You must know that cybersecurity doesn’t do any justice when it comes to covering intellectual property theft or the reputational damage which is mainly caused due to a security breach. Hence before choosing any policy, you must be clear about the areas they cover.
  • There is no standard policy- You need to know that there is no standard policy for insurance against cybercrime because policies are mainly custom collections of modern coverage terms and premiums and payouts vary from company to company or on various factors, including data risks and exposures. Hence it would be best if you bought a policy that meets your needs instead of your budget.

All rule you need to know is that cost of cybersecurity insurance is your business risk too. 

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How Insurance needs change at every stage of life!
published on February 14, 2022 | Term Life Insurance

Life Insurance is a type of contract between an insurer and the insurance company, where a company pays a specific sum to the insurer after a fixed term or to the insurer’s family after the death of an insured person. It secures the future of your dependents.

There are various stages of life. When you are young (unmarried), you don’t feel the requirement of life insurance. Even if you take, you go for Term insurance to secure your future. At that point in time, you just think about your parents and you have the least responsibilities. Term insurance with return of premium acts as a financial safety net. As you grow old, you get married. Your responsibilities increase. You need to increase your life insurance with new dependents. The increased amount will help your spouse to make ends meet. After that comes mid-life with your children. To ensure that a mid-life crisis doesn’t come in the way of your monetary plans, you need to get savings insurance that defends your investment and health. There are a lot of savings plans accessible on the market, like investing in ULIP (Unit Linked Insurance Plan) is the best plan to save for the long term.

Many types of Life insurance policies are available: 

  • Term Life Insurance: This insurance plan provides benefit to the family of the insured if the insured person dies during the specified period. If the insured person survives till the end of the term, insurance coverage ceases and cannot be claimed.
  • Term Insurance with Return of Premium: This plan is one of the best insurance plans because it gives maturity benefits. This type of insurance gives a premium back after the policy gets matured.
  • Whole Life Insurance: This insurance plan provides coverage throughout your life up to 100 years. In case of death of the policyholder, the death benefit is given to the beneficiary. Some plans offer to pay a premium for life insurance for 10-15 years only and get benefits for the whole life.
  • Endowment Policy: This policy helps you save money regularly over a period of time. It is a perfect combination of savings and protection. It is payable to the insured if he/she is alive on the policy’s maturity or to the beneficiary with the guaranteed bonus.
  • Unit Linked Insurance Plan (ULIP): ULIP is the best type of insurance policy that gives life cover as well as investment opportunities. It is a long-term investment plan having a lock-in period of five years. The premium that is paid by the insured is used for investment in assets i.e. to purchase units chosen by the policyholder.
  • Moneyback Policy: This policy pays back regularly during the policy tenure. The percentage of the sum assured is given back at regular intervals. The remaining amount is given with a bonus when the policy matures. In case of the death of the insurer, the insurance company gives the entire amount irrespective of the number of instalments paid.
  • Child Insurance Plans: This plan is an investment cum insurance plan to benefit your child’s future needs like education. You can start investing right from the time the child is born.

So, insurance needs to keep on changing with the changing phases of life. 

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Alliance Insurance Brokers Pvt. Ltd.
8th Floor, Gold Crest, 10th Road, Juhu, Vile Parle (W), Mumbai 400 049, India
Email
Monday - Saturday
9:30 am - 6:30 pm IST
CIN: U67200MH2003PTC141621
IRDAI Registration No.: 217
Valid from : 13/10/2021 to 12/10/2024
Category : Composite Broker
Principal Officer Name: Mr. S. V. Thakkar
*All discounts provided by insurers as per IRDAI approved insurance plans. Standard T&C apply.
Insurance is the subject matter of solicitation. For more details on policy terms, conditions, exclusions, limitations, please refer/read policy brochure carefully before concluding sale.
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