• Exclusive benefits you get using your work email ID:
    • Flat 80% Discount
    • Pre-Negotiated Add-on Rates
    • Inspection Waiver
    • Zero Paperwork Required
    Flat 80% Discount
  • Get 360-degree coverage for your two-wheeler
    Ensuring your two-wheeler is covered against:
    • Accidents, Fire and Explosion
    • Burglary and Theft
    • Natural/Man-made Calamities
    • Physical Injury or Death of an Individual
    • Damage to Property
  • Get maximum benefits from your two-wheeler insurance
    • Damage or Loss to the Insured Vehicle
    • Personal Accident Cover
    • Third-Party Liabilities
    • Cashless Garages all over India
    • No Claim Bonus up to 50%
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What is Two-Wheeler Insurance?
When times become uncertain, having a safety net becomes more important. Buying the right two wheeler insurance is equivalent to protecting yourself and your loved ones with a reliable safety net.
If you are a two-wheeler owner in any state of India, you must have a two-wheeler insurance policy. Riding a bike without a basic third-party insurance policy is a punishable offence which can attract a fine of up to INR 4,000 and/or imprisonment of up to 3 months, as per the Motor Vehicles Amendment Act, 2019.
The world is evolving and you no longer need middlemen like insurance agents to get you the right two wheeler insurance policy. Today, the world relies heavily on the digital mode that makes buying two-wheeler insurance online easy. A valid bike insurance policy can be bought online from a registered insurance provider.
Insurance and claims are mandatory affairs, and it is important that everyone must understand the terms of their own insurance policies. This requires some time dedicated to reading about online bike insurance.
Elephant Insurance is your trusted insurance provider offering you the best two-wheeler insurance policies online. Here’s how you can get a reliable, bike insurance plan in minutes!
  • 1. Log on to www.elephant.in and select two-wheeler insurance and fill in your two-wheeler details.
  • 2. Elephant Insurance gives you the option to bundle up your other insurance like Home Insurance and avail great deals on premiums
  • 3. If you don’t have your vehicle registration, Elephant Insurance guides you through the process with simple details of location of registration, bike model etc
  • 4. Mention previous insurance provider (if any) and declare whether you have made any claims.
  • 5. Get an instant free insurance premium quote for your two-wheeler
Benefits of buying Two-Wheeler Insurance
  • 1. Having an up to date two-wheeler insurance policy can come in handy in case of any unprecedented mishaps
  • 2. Moreover, with comprehensive insurance plans and add-on covers, your insurance can cover a host of other mishaps which can cause financial strain
  • 3. You can also port and renew your two-wheeler insurance policies online and claim benefits like No Claim Bonus (NCB) and choose smart add-ons like Zero Depreciation Cover etc
Types of Insurance Plans:
There are two types of two-wheeler insurance policies available in India:
  • Third Party Insurance Policy
    • This is the primary bike insurance policy and is legally required for every two-wheeler owner.
    • A third-party bike insurance plan only covers damages incurred in an accident where a third-party is involved.
    • This kind of insurance policy will cover any injury and/or damage caused to the third party or its property. It does not cover any damage/injury caused to the policyholder or any own damage caused to the bearer of policy.
  • Comprehensive Insurance Policy
    • Comprehensive insurance plans offer more coverage, including Own Damage (OD) liability which covers damages/injury caused to riders in case of an accident.
    • Comprehensive two-wheeler insurance policy offers third party cover and also extends coverage to include other liabilities such as damage caused due to natural calamity, theft, robbery, riots etc. while also covering cost of repairs in case of regular wear & tear of vehicle.
    • There are options for Add-on covers and claiming a No Claim Bonus (NCB) in comprehensive insurance plans.
Why buy from Elephant Insurance:
At Elephant Insurance, we offer all types of two-wheeler insurance policies. Simply log on to www.elephant.in and you can buy a two wheeler insurance policy online on our website. Our executives will ensure that your insurance purchase is transparent, smooth and worry-free!
Help Section/FAQs:

Under the Motor Vehicles Amendment Act, 2019, every two-wheeler owner must have a minimum third party insurance for their vehicle, in case of accidents. It is a legal prerequisite (along with a valid driver's license and PUC). In case a person does not have an updated two-wheeler insurance policy, they are liable to fine or imprisonment or both.

There are two basic types of two wheeler insurance policies:
  • Third Party Insurance Policy
  • Comprehensive Two-Wheeler Insurance Policy

A two-wheeler insurance policy can be purchased online from a registered insurance service provider like Elephant.. Before buying your two wheeler insurance policy, spend some time familiarising yourself with insurance terms. Do not go for the 'popular' insurance or the one suggested by a relative, as what might be good for them might not be the right choice for you.

Yes. You can buy two wheeler insurance online at the best price. Online insurance purchase is a quick, easy and transparent process which saves you a lot of time, effort and money. Buy two-wheeler insurance online to cut out any middleman and get access to the best deals. Buying insurance online is a safe and transparent process. You can get quotes, compare rates and select the best plan at the tip of your fingers! Online bike insurance hardly takes minutes and comes at an affordable price with great benefits like discounts.

Your bike insurance policy can be renewed online. All you require is either your policy number or vehicle registration details to renew your policy.

Add-on covers are additional coverage benefits that you can avail on your insurance cover. These are available at an additional cost and can raise the cost of premium. Common add-ons include Roadside Assistance, Zero Depreciation Cover, Engine Coverage etc.

You can port your two-wheeler insurance policy from one provider to another at the time of renewal. This process can be done online.

Making a claim on your insurance can become a nightmare if you are not aware of the fine print. Before purchasing your two wheeler insurance policy, understand the claim process of your chosen insurance provider. Ensure that you choose an insurance service with a high claim ratio and if required, ask to speak to an executive who can guide you through the entire process over a phone call and clear any doubts that you may have.
Our latest Insurance articles & videos
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    Published on: 24th Apr 2024
    Difference Between Comprehensive And Bumper to Bumper Car Insurance

    Choosing a car insurance that is perfectly fit to your needs can be a difficult task for many as there are so many options in the market. Comprehensive car insurance and bumper-to-bumper car insurance are the two most popular insurance policies in India. In this blog post, we will explore the key differences between the two insurance policies so that you make an informed decision while you are out in the market purchasing insurance.

    What is a Comprehensive Car Insurance?

    Comprehensive insurance can be considered as a huge shield that covers various aspects. It goes beyond the basic protection and offers protection against:

    • Accidents: Met with an accident? This type of insurance covers the cost of repairs you may need after an accident.
    • Theft: It repays you for the vehicle’s insured declared value () if it gets stolen.
    • Fire: All the damages that may be caused to your car due to a fire breakout will be covered under this insurance policy
    • Natural Disasters: It assists you by covering the cost of damages caused by disasters like floods and earthquakes.
    • Riots & Strikes: Damages caused to your car due to these activities are also covered under this insurance.

    In addition, you can tweak your insurance policy! Add-on covers are offered by many insurance providers:

    • Engine Protect: In case your engine breaks down, this cover helps in covering for the costs of repairs or replacements.
    • Return to Invoice: This cover reduces the gap between the vehicle’s current value and its on-road cost during claim settlement.
    • Personal Accident Cover (PAC): In case of an accident where either you or the passengers in your car need financial assistance to meet the costs of injuries/hospitalisation, this cover comes to the rescue.

    Here is the catch: When parts are replaced after a claim, depreciation (reduction in value due to age) is applied. This implies you might need to pay a portion of the repair and replacement costs from your hand. Also, your car insurance doesn’t cover the wear and tear of the car, electrical/mechanical breakdowns because of negligence, or

    Bumper-to-Bumper Insurance: An Upgraded Protection

    A supercharged version of comprehensive car insurance is called bumper-to-bumper car insurance. It offers every one of the advantages of comprehensive insurance, however with a significant advantage:

    • No Depreciation on Parts: You get the full cost of repairs or replacements for most car parts after an accident, no matter what their age. You will not have to shell out money from your pocket.
    • Enhanced Coverage: When compared to comprehensive car insurance, bumper-to-bumper car insurance provides broader coverage. This includes coverage for consumables like ointments and filters utilised during repairs.

    Sounds perfect, right? Well, almost. Here are some considerations:

    • Higher Premiums: Added security comes at a price. The insurance premiums for bumper-to-bumper car insurance are higher when compared to comprehensive car insurance.
    • Renewal Restrictions: Some insurance providers put limits on who can get bumper-to-bumper car insurance, particularly for older cars. Check the renewal terms prior to picking this option.

     

    Choosing Your Champion: Comprehensive vs. Bumper-to-Bumper

    Depending on your car’s age and your tolerance of risk, the best choice will differ. Let’s break it down:

    • New Cars (Up to 3 Years Old): Depreciation is negligible for new cars. An effective choice for such cars will be opting for comprehensive insurance with add-ons like engine protection and return to the invoice.
    • Pre-Owned Cars (3 to 5 Years Old): Depreciation is considered for these cars. Opting for comprehensive insurance with a zero depreciation add-on for parts like engines and headlights is advisable.
    • Older Cars (Above 5 Years Old): Depreciation of value can be critical for older cars. As the complete repair costs are covered under a bumper to bumper car insurance, it becomes a more alluring choice for car owners

    Conclusion

    To maintain your peace of mind and to safeguard your prized possession: your car, it is important that you choose the perfect insurance protection that suits your needs. Once you comprehend the various coverage options and their requirements along with their differences, you can make a well-informed decision and choose the perfect insurance plan that is suited to your needs.

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/24-25/02

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    Published on: 20th Apr 2024
    All You Need To Know About Bumper To Bumper Car Insurance

    When an extra cover of zero depreciation is purchased alongside comprehensive insurance, it is referred to as bumper-to-bumper car insurance. The cover ensures that the policyholder is repaid with no deductions that happen because of depreciation in case of an accident. This blog will explore the details of this protection so you are informed before settling on a protection plan that is good for your requirements.

    What is Bumper-to-Bumper Car Insurance?

    It gives complete financial protection to your car and is an appealing choice for car owners when compared with standard car insurance. A normal comprehensive policy considers depreciation during the process of claims which directly impacts your claim amount. While a bumper-to-bumper car insurance, the policyholder gets the full claim amount as it doesn’t consider depreciation.

    What is Covered Under a Bumper-to-Bumper Car Insurance?

    In bumper-to-bumper car insurance, protection for various parts of your car is given. It doesn’t take into account deductions due to depreciation and totally compensates for the damages caused. This means that if you meet with an accident, you will be compensated completely, with no deductions.

    The parts that are covered are as follows:

    Bumpers Damages caused to both the bumpers (Front and back)
    Exterior Tail lights and Head Lights Damaged or broken headlights and tail lights
    Side Mirrors Damaged or broken side mirrors
    Windshield & Windows Cracked or shattered windshields and windows
    Alloy Wheels Dented or scratched alloy wheels

    What are the Exclusions in Bumper-to-Bumper Car Insurance?

    Bumper-to-bumper car insurance gives total coverage but there are certain exclusions. They are as follows:

    Wear and Tear Gradual damage to parts due to regular use (e.g., faded paint)
    Mechanical Breakdown Engine failure or other mechanical issues not caused by an accident
    Engine Damage from Oil Leakage Damage to the engine due to a leak
    Accidents Due to Negligent Driving If the policyholder’s negligence during driving caused the damages
    Unapproved Modifications Damages to parts not approved by the car manufacturer
    Natural Disasters (Unless Specified) Floods, earthquakes, or other natural disasters (check your policy for details)

    How to Purchase a Bumper-to-Bumper Car Insurance?

    While buying or renewing a comprehensive insurance policy, bumper-to-bumper insurance can be purchased with it. To get zero depreciation coverage, you need to pick this add-on while customising your insurance plan.

    Tips to Purchase A Bumper-to-Bumper Car Insurance

    Car owners need to consider these things before buying bumper-to-bumper car insurance. They are as per the following:

    • Compare quotes given by various insurance providers to track down the best fit for your requirements.
    • Ensure the insurance provider you choose is trustworthy and has a decent claim settlement record.
    • Review the agreements of the insurance policy carefully to understand what is covered and what are the exclusions under the policy.

    Factors Affecting Premiums for Bumper-to-Bumper Car Insurance

    The premiums are affected by things like the IDV (Insured Declared Value) of your car, your driving record, your age, the make and model of your car, and your location. Your premiums can be brought down by:

    • Increasing your voluntary deductible
    • Maintaining a clean driving record
    • Installing anti-theft devices
    • Renewing your policy promptly
    • Avoiding frequent claims

    Conclusion

    For Indian car owners, it is ideal to purchase bumper-to-bumper car insurance in the present day and age as the expenses of owning a car are rising. Alongside coverage, it additionally gives genuine peace of mind to the car owner. You can safeguard your car by choosing smartly assuming you understand what the policy covers, the premiums you need to pay, and its advantages. It stays the most ideal choice for safeguarding your car as it gives total coverage which ensures financial well-being.

    Want to get car insurance tailored to your needs? Reach out to us at support@elephant.in or on our toll-free support number- 1800 266 9693, to talk to our experts! We will help you acquire a car insurance that is customised to your needs!

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/24-25/01

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    Published on: 19th Mar 2024
    Understanding No Claim Bonus in Health Insurance Policies

    Understanding the concept of the No Claim Bonus (NCB) in health insurance is essential to making informed decisions and safeguarding one’s wealth. The intricacies of NCB are discussed in depth in this blog post, with an emphasis on its significance, benefits, and crucial application for policyholders in the field of medical coverage.

    Get insured in 3 easy steps! Visit Elephant.in and fill out the details, compare prices and get your health insurance policy instantly!

    No Claim Bonus: Explained

    NCB is a monetary incentive proposed to policyholders by insurers for each claim-free year. Going past being a financial incentive, NCB is a consolation for policyholders to zero in on preventive clinical consideration, which adjusts the interests of insurers and policyholders toward a common goal of success.

    Types of No Claim Bonus

    In the health insurance industry, insurers frequently provide bonuses for not making a claim. Private and public sector insurers offer NCB to policyholders who fall under the qualification standards. By and large, there are two kinds of NCB in a health insurance plan. The types are as follows:

    • Cumulative Bonus: The inclusion sum increases by a fixed rate when the policyholder has a claim-free year. Remember that the premium that must be given continues as before. This increase happens for every claim-free year.
    • Renewal Discounts: For every claim-free year, the rate of premium of the policy decreases by a particular percentage under this type of no-claim bonus. The insured sum remains the same under this kind of bonus.

    Advantages of A No-Claim Bonus in Health Insurance

    NCB in health insurance has many benefits. Some of these benefits are:

    • You can financially protect yourself and your family in the event of a health crisis with the assistance of the NCB.
    • The NCB in health insurance is adaptable. The no-claim bonus will not be affected when switching insurers. The bonus you have accumulated over the years will remain and be applicable. The bonus can be transferred to the new insurer.
    • The benefit of a no-claim bonus encourages the policyholder to stay healthy and fit and only file a claim when it is required.
    • The cost of renewing the health insurance plan is reduced as a result of the plan offering more coverage at a lower cost.

    Applicability of No Claim Bonus

    Not all insurance policies offer the no-claim bonus feature. Policies that do offer NCB often come with certain terms and conditions. It is vital to go through the policy documents in detail while you are in the market looking to buy a health insurance policy so that you are well informed whether it offers NCB features or not.

    The benefits of a no-claim bonus are very useful. This reward can be benefitted under both an individual health insurance plan and a family floater health insurance plan. A family health floater plan covers the whole family while an individual plan just covers a solitary individual.

    Make the Most Out of the No-Claim Bonus

    From well-being initiatives that add to keeping up with great health to making informed choices to forestall unnecessary claims, policyholders are empowered to effectively partake in the amplification of their NCB benefits. To get the most out of their no-claim bonus, policyholders can follow these tips:

    • Preventive Care: Frequent check-ups, scheduled vaccinations, and screenings are your companions. Assuming command over your well-being keeps minor issues from growing into costly claims.
    • Claim Awareness: Being well-informed about your policy’s exclusions will help you avoid making unnecessary claims for expenses that are not covered.
    • Stay Informed: Keep yourself updated about IRDAI regulations regarding NCB and potential changes in your insurer’s policy terms.

    Conclusion

    In conclusion, understanding and utilising NCB can transform your health insurance experience. By staying updated about NCB and its advantages and guidelines, you unlock a useful tool for managing your healthcare costs and well-being. Therefore, make NCB your trusted companion throughout your healthcare journey and pave the way for long-term financial security and health.

    Visit Elephant.in to find the most suitable health insurance quotes! To get in touch with our professionals, send us an email at support@elephant.in or call our toll-free support number, 1800 266 9693!

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/23-24/14

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    Published on: 02nd Apr 2024
    Understanding Tax Benefits: How Health Insurance Impacts Your Taxes

    In the complex world of personal finance, tax planning and health insurance are tightly linked. As we explore the evolving world of India’s healthcare and taxation framework, understanding how your health insurance plan impacts your taxes becomes vital. This broad guide plans to clear up the complexities, allowing you to make informed decisions for both your well-being and financial prosperity.

    Understanding Tax Benefits – The Lay of the Land:

    First, let us understand the landscape before we get into the particulars of tax deductions. The Indian Income Tax Act, 1961 offers different tax reductions connected to health care coverage plans, and these can be astoundingly valuable in decreasing your income tax payable.

    1. Section 80D

    Maximising Your Deduction: Note that the tax deduction limit varies based on age. This limit applies to the total premium paid for all covered individuals. So, a young working couple can claim up to Rs. 50,000 (Rs. 25,000 each) as a joint deduction if both have individual plans. The deduction amount, however, increases to Rs. 50,000 per fiscal year for senior citizens above the age of 60.

    2. Critical Illness Cover

    This additional deduction for critical illness cover acts as a double shield. Besides the fact that you get the advantage of inclusion for hazardous illnesses, you also additionally save taxes!

    3. Preventive Check-ups

    Proactive healthcare is promoted by this deduction, which encourages regular checkups that may help detect health issues early and prevent complications. Keep in mind, qualified expenses incorporate a wide range of tests, from glucose and cholesterol levels to mammograms and prostate tests. Additionally, you get Rs 5000 tax benefit.

    4. Employer-Provided Plans

    If your employer offers a medical coverage plan, view yourself as lucky! The sum paid by your employer as premiums is not added to your taxable pay, substantially decreasing your liabilities. Keep in mind that this advantage applies just to the sum paid by your employer, not on any extra premium you contribute separately.

    5. Section 80C

    Section 80C permits certain investments and expenses to be tax-exempted. By planning your investments in such a  way that they are spread diversely across various options like NSC, unit-linked insurance policies (ULIPs), the public provident fund (PPF), etc., you can claim deductions up to Rs 1,50,000. By taking tax benefits for health insurance plans under 80C, you can avail of a reduction in your tax burden.

    Some Things To Keep In Mind When Availing Tax Reliefs

    LET US Take a look at the things you must remember while availing tax deductions under Section 80D:

    • Tax deductions are not applicable for health insurance premiums paid for in cash.
    • If health insurance premiums are paid in parts by an individual and the parent, it makes both of these parties eligible for tax deductions.
    • Premiums paid for siblings, grandparents, uncles and aunts are not qualified for tax deductions.
    • Section 80D states that health insurance premiums when paid on behalf of working children are not eligible for tax relief.
    • Group health insurance premiums the employer pays do not qualify for tax relief.
    • No deduction is provided on the service tax and cess amount added to health insurance premiums.

    Conclusion

    As we conclude this guide on tax benefits on health insurance plans in India, the meaning of informed direction becomes obvious. Along with safeguarding you from health-related crises, your health coverage plan is a fundamental instrument for tax reduction. Utilise your obtained information, talk with specialists, and build a strong foundation for strength for financial prosperity that can get through future vulnerabilities.

    Visit Elephant.in to get the best health insurance quotes, tailored to your needs! Email us at support@elephant.in or call us on our toll-free support number- 1800 266 9693 to get in touch with our experts!

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/23-24/11

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    Published on: 14th Mar 2024
    Understanding Coverage Options & Benefits of Family Health Insurance

    In the world of insurance, health insurance is the most sought-after. A health care insurance that covers your whole family under one single policy is called family health insurance. A determined sum is insured and shared among all the members of the family.

    It is important to diligently pick the correct family health insurance plan to safeguard your family’s well-being. However, exploring the various advantages and features can be challenging. Through this blog, we hope to help you understand the various coverage options and benefits of family health insurance plans so that you can make informed decisions for your family’s well-being.

    Understanding Coverage Options: Weaving a Safety Net for Every Need

    A range of coverage options come under a family health insurance plan, taking care of different necessities. Coverage options under a family health insurance plan are as follows:

    • Cost of Hospitalisation: Costs of hospitalisation of over 24 hours are also taken care of under a family health insurance policy.
    • Organ Donor Expenses: In an occasion of emergency when an organ transplant is fundamental, the costs of obtaining the organ and the donor-related costs are covered.
    • Ambulance Charges: Expenses of availing the ambulance service during a health-related crisis are also covered under family health insurance.
    • Pre and Post-Hospitalisation Expenses: The clinical costs generated before hospitalisation (clinical examination, tests) and after release (follow-ups) are covered up to a specific number of days.
    • In-house Treatment: Opting for medical treatment at home is an expensive deal. Having family health insurance helps in financing the in-house treatment.
    • Mental Illness Cover: A family health insurance plan helps cover costs for the treatment of mental illnesses like depression and anxiety. It also aids in covering the costs of preventive medications for the same.
    • Maternity Care: Hospitalisation and clinical costs pertaining to labour, pre-birth and post-pregnancy are covered under a family health insurance plan. Along with that, the costs of regular check-ups as well as ambulance services are also taken care of under this plan.

    What are The Benefits of Family Health Insurance Policy?

    Family health insurance plans rise above simple monetary protection, they come with a set of advantages that promote complete prosperity:

    • Affordable premiums: Opting for a family health insurance plan is low-cost when compared to acquiring personalised health insurance for each member of the family. Thus, the plan allows affordable coverage and is lighter on your pockets.
    • High coverage for all members: The sum insured under the family floater policy can be used entirely by any member who falls ill. As such, each family member has complete access to the sum insured and can avail of high coverage if you choose an optimal sum insured level.
    • Maternity coverage : This cover is allowed under many plans: For a young couple who would be starting a family shortly, family health plans having maternity coverage is a good choice. These plans allow coverage for maternity-related expenses.
    • You can opt for a comprehensive cover: Family health plans come with different coverage benefits, and you can compare and choose a plan that has the most inclusive coverage features.
    • Easy addition of members: Family floater plans allow you the convenience of adding new family members. Depending on the terms and conditions of the policy, you can easily obtain coverage for a new member, for example, a newborn child. You would simply need to request the insurer and pay an extra premium.
    • Tax benefits: The main advantage of family health insurance plans is that they open doors to tax benefits. A tax reduction of INR 25,000 will be granted when acquiring family health insurance. In the case of senior citizens, this reduction amount increases to INR 50,000.

    Conclusion

    Picking the right family healthcare coverage plan is fundamental to achieving your family’s long-term prosperity. By learning the intricacies of the various coverage options and benefits of family health insurance, you can confidently navigate the healthcare landscape and have peace of mind knowing that your loved ones are protected. Your investment in family health insurance today will be rewarding as it will ensure that your family is safe and secure.

    To clear any further doubts, please reach out to our specialists by messaging us at support@elephant.in or call us on our toll-free help number: 1800 266 9693! Visit Elephant.in to get the best family health insurance quotes!

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/23-24/13

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    Published on: 09th Mar 2024
    The Hidden Advantages of Employer-Sponsored Health Insurance

    In the present day and age, organisations have understood that their workers are a fundamental part of their prosperity and quite possibly their most significant resource. Organisations ensure that their workers are all safeguarded, similar to any of their different assets. In India’s developing healthcare landscape, employer-supported health insurance arises as a protector, guaranteeing the well-being of the employees. This blog intends to unwind the hidden benefits of these group health insurance plans, digging into the subtleties that make the most essential part of employee welfare.

    A group health insurance policy can be procured easily in 3 steps! Visit Elephant.in, fill up the necessary form, compare quotes, pay and instantly get the policy!

    Comprehensive Coverage for Employees

    Employer-supported health insurance in India goes past the essentials, offering broad coverage custom-made to meet the particular requirements of employees. From hospitalisation costs to short-term medicines, these plans act as a strong security net, guaranteeing the employees acquire quality medical care without any financial strain. Additionally, these plans frequently incorporate coverage for pre-existing conditions, making them beneficial for employees with existing medical concerns. This adds a layer of inclusivity, guaranteeing that a wide range of employees can benefit from the insurance plan.

    Financial Security During Health Crises

    In a period where there are plethora of potential threats to an individual’s well-being, employer-supported healthcare insurance gives financial security during health emergencies. It is a safeguard against high medical costs, offering employees the genuine serenity that their expenses during such emergencies are covered, lifting a heavy burden off their shoulders. Moreover, a few policies incorporate critical illness coverage, giving a single amount payout in case of serious clinical problems. This element helps with taking care of treatment costs as well as helps in tending to lifestyle changes that might be important after diagnosis.

    Cost-Effective Health Coverage

    Employer-sponsored health insurance’s cost-sharing mechanisms are one of the hidden benefits. Employers contribute to the critical portion of the premiums, making it a practical choice for employees. This ensures that a larger portion of the workforce has access to comprehensive health coverage in addition to easing the financial burden on employees. Besides, with group insurance policies, the risk is divided among a bigger pool of people, prompting favourable premium rates. This collaborative method makes health insurance more reasonable for employees, regardless of their health conditions.

    Wellness Programs for a Healthier Workforce

    Along with health insurance for staff, numerous employers incorporate well-being programs into their health care coverage plans. Standard well-being check-ups, preventive care events, and fitness programs add to encouraging a culture of prosperity, making employees more proactive about their well-being. Employers are progressively putting resources into employee health well-being platforms and applications, giving customised well-being tests and insights. This proactive methodology prevents diseases as well as advances a positive way of life among employees.

    Tax Benefits:

    Health insurance premiums paid by employers are generally tax-deductible as a business expense. Additionally, employer contributions to employees’ health insurance premiums are typically excluded from employees’ taxable income, resulting in tax savings for both employers and employees.

    Reduced Absenteeism and Increased Productivity

    Employer-sponsored health insurance assumes a crucial part in accomplishing this balance. By guaranteeing timely clinical intervention and preventive care, these plans help in reducing absenteeism which in turn creates a more efficient and productive workforce. Implementing initiatives like telemedicine services can further boost productivity. Employees will have easier access to healthcare as a result of this, and frequent medical appointments will also be less likely to cause disruptions.

    Access to Quality Healthcare Facilities

    Various employer-supported group health insurance plans have tie-ups with good clinics and medical service providers. Employees will have easier access to high-quality healthcare facilities as a result of this, making it easier for them to get the right treatment when they need it. Health camps and screenings in the workplace can elevate this advantage for employers. These on-location medical services can improve accessibility and also cultivate a proactive way to deal with health management among employees.

    Conclusion

    An essential part of employee welfare is employer-sponsored group health insurance policies. Keep in mind that these group plans are not a one-size-fits-all answer. In any case, their hidden benefits ought to be considered carefully. In embracing these benefits, organisations are not merely investing in health insurance they are investing in the prosperity and vitality of the collective future.

    To get the best quotes on employer-sponsored group health insurance, visit Elephant.in! Email us at support@elephant.in or call us on our toll-free support number- 1800 266 9693 to get in touch with our experts!

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/23-24/12

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    Published on: 07th Mar 2024
    A Step-By-Step Guide To Navigating Health Insurance Claims

    Understanding the complexities of filing a health insurance claim becomes important for financial well-being in this ever-evolving healthcare landscape of India. In this guide, we aim to simplify the claims process so that you can easily and confidently navigate health insurance claims.

    What is an Insurance claim??

    An insurance claim is a formal request made by an insured individual or entity to an insurance company seeking compensation or coverage for a covered loss or event. When an insured event occurs, such as an accident, illness, injury, or damage to property, the insured party submits a claim to their insurance provider to receive financial assistance or reimbursement as per the terms of their insurance policy.

    Assess Your Health Insurance Policy

    Before diving into the process of claims, understanding the nuances of your policy is essential. The foundation for an easy claim process is laid by knowing your policy. Know about what is safeguarded under your policy and what isn’t secured. This prevents surprises during the claim process. You must identify the network hospitals that fall under your policy. Choosing a network hospital simplifies the payment process by allowing for a cashless claim process.

    Navigating the Documentation Maze

    The claims process includes plenty of documentation. Sorting them out efficiently guarantees a problem-free and seamless claims process. Significant reports must be assembled and submitted on time to get your claim approved. The essential documents are as follows:

    • Your health e-card
    • Your photo ID proof
    • Proof of address
    • Original discharge summary
    • Doctor’s prescription recommending hospitalisation
    • Doctor’s consultation slip and prescriptions for diagnostic tests
    • Certificate from the attending doctor
    • Prescription for medicines and original pharmacy bills
    • Diagnosis reports of X-rays, blood tests, etc.
    • Other original receipts from the hospital
    • Breakup of the hospital bill
    • Ambulance receipt, if applicable
    • FIR, in case of an accident
    • & Many More based on the type of hospitalisation

    Choosing between Cashless and Reimbursement Claims

    Understanding the distinction between cashless and reimbursement claims is necessary. Both have their benefits, and your decision relies upon the situation.

    • Cashless claims: When you are utilising the services of a hospital that falls under the policy network, opt for a cashless claim. The insurer settles bills directly with the hospital, minimising your financial involvement.
    • Reimbursement claims: In non-network hospitals or specific situations, reimbursement claims come into play. Pay the bills upfront and later claim the amount from your insurer.

    Procedure to File a Cashless Claim

    To file a cashless claim, follow the steps below:

    • Choose the right network hospital for medical treatment. One can find the network of hospitals within the policy.
    • Inform the insurer 3 days ahead of time and get their approval for the claim within 24 hours of hospitalisation in cases of emergencies. Now Insurance companies are trying to approve the claim within 90 minutes too.
    • Acquire the pre-authorisation form and fill it out properly. Submit it along with your identity proof and health card.
    • The insurance provider will verify the claim and settle the medical bills and costs directly with the hospital.

    Process of Filing a Reimbursement Claim

    If you decide to get treatment in a hospital that isn’t under the insurer’s network, you should file a claim for reimbursement. Follow the steps below:

    Step 1: The initial step is generally to inform the insurer to begin the process of approval of a claim. The insurer ought to be notified 3 days in advance or within 24 hours of hospitalisation during an emergency.

    Step 2: Get a hold of the claim settlement form from the insurance agency or the hospital.

    Step 3: Settle medical expenses from your pocket and gather the fundamental bills and receipts from the emergency clinic after discharge.

    Step 4: Complete the claim form, send the vital records to the insurance provider, and you can start the most common way of documenting a case.

    Step 5: Before approval, the insurance provider will completely audit the documents submitted. The claim will be processed and the amount of the claim will be deposited into your account once the submitted documents are approved.

    Conclusion

    As we draw to a close this guide on how to understand the claims process for health insurance, remember that information is your most important tool. Consistently review and update your knowledge regarding your health insurance policy claims. Remain informed about changes in guidelines and processes to adjust seamlessly to this ever-developing landscape.

    Reach out to our specialists by messaging us at support@elephant.in or call us on our help number-1800 266 9693! Visit Elephant.in to get the best health insurance quotes!

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/23-24/11

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    Published on: 02nd Mar 2024
    Decoding Health Insurance Common Myths

    Exploring the complexities of health insurance can be overwhelming, frequently intensified by winning cases that cloud our comprehension. In this extensive guide, we plan to expose normal misinterpretations encompassing health insurance. This guide will clear the myths surrounding health insurance so that you can have a clearer viewpoint on what health care coverage genuinely incorporates and can make informed choices.

    1. Myth: Health Insurance is Only for the Elderly

    There is an incredibly popular myth that health insurance is just significant for the elderly. Going against the norm, getting medical coverage is imperative for all ages. Mishaps and disorders can happen to anybody. Having health insurance from the beginning ensures financial security in the event of unexpected circumstances.

    As opposed to mainstream thinking, buying medical coverage in one’s twenties or thirties is a shrewd choice. Getting health insurance early frequently accompanies lower premium charges, and you can collect the advantages of a No Claim Bonus throughout the years. Consider exploring policies specifically designed for young individuals.

    2. Myth: Only Hospitalisation is Covered under Health Insurance

    Another myth that revolves around health insurance is limited coverage. Medical coverage goes past covering costs for hospitalisation. Current health care coverage strategies offer a wide scope of insurance, including prescriptions, preventive vaccinations, maternity benefits, and even insurance for alternative treatments. Understanding these subtleties guarantees you take full advantage of your healthcare coverage policy.

    Exploring health insurance policies that include extra wellness benefits is advisable. The benefits usually include frequent scheduled health check-ups, immunity vaccinations and wellness events that promote overall well-being.

    3. Myth: Pre-Existing Conditions Mean No Coverage

    There’s a popular belief that health insurance will not cover already existing medical conditions. While the facts confirm that insurers investigate pre-existing conditions, it doesn’t mean a total refusal of insurance. In India, policies frequently have waiting periods for people with pre-existing conditions trying to acquire health insurance. They become qualified for insurance after the termination of the waiting period. When applying for health insurance, you must disclose any pre-existing conditions to the insurer to avoid problems in the future.

    Therefore, it is advised to explore policies with small waiting periods or opt for policies that offer insurance coverage for certain conditions after a specific waiting period.

    4. Myth: It is Expensive to Gain Access to Health Insurance

    Cost is always a concern when it comes to purchasing health insurance. It is believed that health insurance is being restrictively costly for the average individual. In any case, the realm of health insurance in India has been developed to take care of diverse financial groups.

    Plans are tailored by a variety of insurance companies with low-cost options with adequate health insurance coverage. Use online tools to analyse plans, and you may be astonished at the scope of open health care coverage policies accessible.

    Choose family floater plans, which pool all family members within a single health insurance policy, to save money. Settling on such an arrangement may reduce the sum you need to pay for medical coverage in comparison to individual health insurance.

    5. Myth: Corporate Health Cover is Sufficient

    Having corporate health insurance does not mean you should not opt for getting individual health insurance. It is not recommended to completely rely on the corporate coverage; always get personal health insurance separately.

    Corporate policies might have restrictions, and coverage might cease upon retirement or a change of employment. Having an individual health insurance policy ensures continuous coverage, offering a safety net beyond corporate benefits. When relying on corporate health cover, understand the limitations, and consider supplementing it with individual policies. This ensures seamless coverage transitions during career changes or retirement.

    6. Myth: Cost of Treatment will be Completely Reimbursed

    The percentage of reimbursement is policy specific. Most policies have a limit for room charges depending upon the total sum insured and the excess amount needs to be borne by the insured. A policy has sub-limits for other expenses like medicine, which may fall under partial reimbursement. It would be sensible to choose the perfect plan for your needs from the array of policies available.

    7. Myth: Purchasing Health Insurance Online is Risky

    In this digital era, buying anything is convenient and just a click away – health cover included. All the details are uploaded on the websites with secure payment gateways and complete privacy. Queries are addressed and information is verified online quickly. Compare and buy health insurance policies in three easy steps! Visit Elephant.in to find the perfect health insurance, tailored to your needs!

    Conclusion

    Deciphering common myths about health insurance is essential in making informed decisions. Health insurance is a dynamic and comprehensive tool that goes beyond hospitalisation coverage. It dispels the myth that it is only for the elderly and is relevant to people of all ages. By deconstructing these myths, you enable yourself to go with decisions that focus on your wellbeing and financial prosperity. In the complicated landscape of health insurance, information is your strongest ally.

    To get the best health insurance quotes perfectly fit for your needs, visit Elephant.in! Email us at support@elephant.in or call us on our toll-free support number- 1800 266 9693 to get in touch with our experts!

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/23-24/10

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    Published on: 23rd Feb 2024
    Useful Tips to Consider When Buying Insurance for Your New Car

    Buying a new car is an exciting experience, isn’t it? But it also comes with the additional responsibility of ensuring your car is well-protected and insured. Advancements in technology have now made the process of acquiring car insurance more advanced, accessible and simplified over the years. At Elephant.in, customers can compare and purchase car insurance plans online in just 3 easy steps.

    Nonetheless, you need to keep certain factors in mind while insuring your car. In this blog, we will cover some of these points.

    What Are the Different Types of Car Insurance in India?

    Selecting the best car insurance when buying a new car may seem complicated. With numerous coverages available, it is important to make a choice that is informed and reflective of all your requirements.

    • Third-Party Liability Insurance: It helps in covering the costs when one injures someone or damages someone’s property in the event of an accident. In India, the Motor Vehicles Act of 1988 has made it compulsory for all motorised vehicles to have third-party liability insurance.
    • Own Damage (OD) Insurance: This type of insurance is useful in case of damages caused to your car by natural calamities like storms, earthquakes, floods etc. or man-made disasters like riots, vandalism or theft. They cover damages that a third-party liability won’t cover. Bear in mind that while OD insurance may not be mandatory under Indian motor laws, it can only be purchased along with third-party liability car insurance.
    • Comprehensive Car Insurance: It is an all-around car insurance policy that covers you from third-party damages along with protection against damages caused to one’s vehicle due to accidents, natural disasters, theft or vandalism. Along with that it also covers the costs of hospitalisation for the driver and/or passenger, towing charges, and personal accidents.

    Often, low-cost car insurance policies offer coverage only for third-party liabilities. That means in the event of an accident, the insurer will only cover property damages or physical injury or death to the third party. Damages to your vehicle and yourself will have to be borne by you.

    That’s why it is always recommended to buy a Comprehensive Car Insurance Policy, which offers coverage for own damages, in addition to third-party liabilities. It may seem to be a little more costly, but it will prove to be helpful in the event of an accident.

    Various Factors Affecting Insurance Costs

    The cost of insurance for new car purchase can vary significantly depending on numerous factors:

    • Vehicle Type: The make, model, and age of your car influence premiums. High-end and newer vehicles often cost more to insure.
    • Driving History: Your driving record, including accidents and traffic violations, affects rates. Safe car owners typically pay less.
    • Coverage Limits: The amount of coverage you choose impacts costs. Higher coverage limits result in higher premiums.
    • Deductible Amount: A higher deductible means lower premiums, but you pay more out of pocket in case of a claim.
    • Location of RTO: The location of the Regional Transport Office (RTO) where the vehicle is registered also affects the insurance costs. Insurance providers consider your car’s registration location as one of the key factors when determining your premium.

    Understanding the Legal Requirements

    The legal requirements for car insurance in India are governed by the Motor Vehicles Act of 1988. According to the act, Third-Party Liability Insurance is a mandatory requisite for all vehicle owners. This coverage protects one against legal liabilities that arise from causing damage or injuries to third-party individuals/property in case of an accident. Personal accident cover, which is included along with the mandatory third-party liability insurance, provides coverage to cover the costs of bodily injuries or death of the vehicle owner or driver.

    Consider Additional Coverage

    Third-party liability insurance doesn’t cover own damages. While the Comprehensive Plan safeguards your car, it may overlook certain liabilities like depreciation, engine damage, consumables repair costs, and roadside breakdowns. It is better to have additional coverage plans under you to make everything even more safe under additional protection policies. They are referred to as “add-ons” and some of these are:

    • Roadside Assistance Cover
    • Zero Depreciation Cover
    • Engine Protection Cover
    • Return to Invoice (RTI) Cover
    • No Claim Bonus (NCB) Protection
    • Personal Accident Cover for Passengers

    Assess Your Voluntary Deductible

    A deductible is a part of the claim and is the amount the policyholder pays before the insurance company takes responsibility for the claim. There are two types of deductibles in car insurance namely– Compulsory and Voluntary Deductible. The compulsory deductible is an amount that is fixed by the insurer and has to be paid mandatorily by the policyholder whenever a claim arises. Voluntary deductible is the amount that is chosen by the policyholder to meet a part of the claim from his own pocket before raising it to the insurer which is not mandatory. In the case of voluntary deductible, the higher the deductible, the lower the premiums one pays.

    One must plan out their finances and decide how much one can comfortably afford in the event of a claim.

    Check for Discounts

    Did you know installing a government-approved anti-theft device in your car can reduce your car insurance premium by a considerable amount? Additionally, being a valid and recognized member of the Automobile Associations can also earn you a 5% discount on the own damage section of the premium. To find out which reductions you might qualify for, check with your insurance provider.

    Can You Buy Insurance for a New Car from Outside?

    When purchasing a brand-new vehicle from a  car dealership, you might be offered the option to get the insurance for the new car purchase right then and there. However, you can explore and select car insurance providers of your choice as long as they offer their insurance services in India. You may purchase your car insurance from Elephant.in regardless of where you purchased your vehicle from.

    Conclusion

    Purchasing auto insurance at the time of a new automobile purchase is crucial for safeguarding your financial investment and guaranteeing your safety while driving. By considering extra coverage, comparing costs, and being aware of your legal requirements, you may select the insurance policy that best suits your needs and budget. Getting into the world of insurance can get complicated, but with the presence of Elephant Insurance, no more! We have leading insurance experts who can help guide you through the entire process, email us at support@elephant.in  and get in touch with Elephant Car Insurance!

    *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. You are recommended to obtain specific professional advice from before you take any/refrain from any action. Tax benefits are subject to changes in tax laws. Please contact your tax consultant for an exact calculation of your tax liabilities.| EL/BLOGS/23-24/09

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What our Customers Say
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    Vice President - Corporate Strategy HR & IR - Gold Star Jewellery Pvt. Ltd.
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    Team elephant has been extremely cooperative and helpful, their customer service is truly commendable
    Sharom B Mubarakai
    Owner -Horticulturist
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    I have purchased Car insurance and got a flat 80% off on my purchase. Their customer service team ensured all my queries with regards to my policy were resolved quickly. Thank you , team Elephant for this wonderful experience, you are highly recommended to all my friends and colleagues.
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    Manager Treasury Operations - Cotmac Electronics Private Limited
  • For Customers
    Purchasing health insurance from Elephant.in was a win-win situation for me, it helped me protect my health and save money on taxes- all of this through a web portal that was extremely easy to navigate.
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  • For Customers
    As compared to Health Insurance plans available online, Elephant.in gave me exclusive features at unbeatable price which I could happily share with my entire group of friends !
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    Founder-Ink Dream
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    Project Manager-Andritz Hydro
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    High Ground Enterprise Limited -Director
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    Welspun Enterprises Limited
  • For Customers
    I purchased health insurance for my parents from Elephant.in, their senior citizen-friendly features and affordable pricing make it a must-buy for your loved ones
    Dr. Abhishek Singh
    MDS - Periodontology and Implantology - Owner of "House of Smile"
  • For Customers
    Thank you team Elephant for all your help and support in making this seamless and smooth for me. I appreciate your constant support.
    Shyamala Shukla
    Group VP, Talent Acquistion, Corporate Human Resources- CK Birla Group
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  • For Customers
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    Assitant Vice President-ANAROCK Retail
  • For Customers
    The Senior Citizen insurance covers from Elephant.in was the ideal gift I got for my parents for their anniversary. The recommendation feature on the website was a huge help at a price point was quite affordable for a younger professional like me.
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    Tech Cordinator-A- Media INC
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    Finance Assistant Manager -Pidilite Industries
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    Lead Software Engineer -Informatica
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    Team Elephant.in ensured amazing features and exclusive discounts on my health insurance renewal using my work email ID. I am extremely happy with their consistent service year on year.
    Sameer Walgude
    Sourcing Business Partnering- Mahindra & Mahindra Limited, AFS (Auto & Farm Equipment Sectors)
  • For Customers
    I just renewed my car insurance + home insurance. The renewal process was pretty smooth and the UI was good
    Sachin Kaulgud
    Sr. Vice President -Alliance Insurance Brokers
  • For Customers
    I highly recommend Elephant.in . I had purchased a Super Top Up policy and the top-up available at Elephant.in had many features as compared to the products available in the market. I am happy with the product and price offered.
    Prateek Mundhara
    Character Animator-Redefine
  • For Customers
    It was extremely easy to purchase the Term Life insurance on the elephant.in Portal. The Journey was user Friendly and could be completed with just few clicks. Moreover, the support I received during Policy issuance was well appreciated
    Nikhil Hemrajani
    Co-Founder-Sitara Studios
  • For Customers
    I was happy to have team Elephant.in's support for my policy processing. All my documentation and clearance process were completed smoothly with your support. It was a nice experience interacting with you and I hope you continue the same for other customers as well who really need such guidance. I wish you and your organization all the best
    Vikas Kumar
    Lead Technical Consultant -Mando Softtech India Private Limited
  • For Customers
    I fully recommend elephant.in. I received a killer discount on my car insurance policy and the process was quick and easy
    Avdesh Chauhan
    Supplier Quality Manager-Andritz Hydro
  • For Customers
    A great discount of 80% on my car insurance policy! Elephant definitely delivers what they promise!
    Saurabh Manchanda
    Manager- Victora Hospitalities
  • For Customers
    I fully recommend Elephant.in. I received a huge discount on my car insurance policy and the process was quick and easy
    Venkatesh Srinivasan
    Lead Technical Support Engineer -Informatica
  • For Customers
    I have good support from your team and I am very very happy with your services
    Vijay Pillai
    Deputy Manager -Jash Engineers
  • For Customers
    Topping up my existing health plan with an affordable Super top-up from elephant.in was a huge relief, given the pandemic and multiple rising medical expenses that come along with it.
    Smita Chavan
    Founder -Sk Food & Hosptality
  • For Customers
    I topped up my existing health cover with Supertop-up from Elephant.in and I have been quite happy with the coverages, price point and support shared by their team
    M . Virupakshaiah
    Regional Sales Manager -RPSG - Apricot Foods Pvt Ltd
  • For Customers
    I wholeheartedly recommend elephant.in for any insurance policies that you require. They offered killer discounts, and the Ai recommendations provided solution based on my requirements.
    Lithin Kotian
    Specialist Engineer -Mando Softech
  • For Customers
    Elephant.in delivered what they promised, a flat 80% discount on Car Insurance with amazing customer service. What more could a customer want !
    Jayesh Varu
    Founder-Plain Canvas
  • For Customers
    I purchased Term Life insurance from elephant.in and their AI based recommendations followed by a very supportive customer service team made the whole process seamless
    Pushkar Yadav
    Director-Corner Pixel Studios
  • For Customers
    Limited Pay was a very helpful option while purchasing Term Life insurance and I am thankful to team Elephant.in for recommending it.
    Ameya Bhusari
    Lead Engineer-KTM
  • For Customers
    It was indeed a good experience with Elephant.in. I would like to thank the customer support team who were prompt in supporting my insurance purchase since the beginning and helped me till the policy issuance.
    Harimohan Rajamohanan
    Architect – Open Source Centre of Excellence, Open Source Program Office (OSPO)- Wipro
  • For Customers
    I recently purchased Term Life insurance from elephant.in and the process was seamless. The Relationship Manager also made recommendations keeping tax planning in mind, which was extremely beneficial.
    Salomi Pujara
    Creative Designer and Founder- All Smile Media Solutions
  • For Customers
    Really good customer service, correct follow-ups, and smooth onboarding. Excellent price point! Amazing discount & great service. Elephant.in surely delivers what they promise
    Merita Wilson H
    Performance Engineer - Informatica
  • For Customers
    I came across the concept of a Super Top Up policy during the webinar conducted by Elephant.in. The features they shared and price point at which I purchased the product was excellent
    Ankit Kumar
    Manager- Fyntune
  • For Customers
    The health policy I purchased for my parents from Elephant.in was cheaper as compared to the market and out of the many features they provided the best one was 'no medical test' before issuing the policy.
    Namrata Gonbare
    MH Jain & Company Associates -Accountant
  • For Customers
    I purchased Term life insurance based on tailor-made quotes I received from Laxmi on Elephant.in, it helped me save my time, energy, and money.
    Vibhor Gupta
    Senior Business Development-Andritz Hydro
  • For Customers
    Dear Team Elephant, really appreciate your kind support and cooperation over the hassle-free purchases. I would definitely recommend elephant to others as well
    Vishal Bajpai
    Project Manager-Andritz Hydro
  • For Customers
    I was pleased with how the process unfolded. It was extremely simple to purchase Term Life insurance from the website and the overall experience was positive.
    Pradeep Radhakrishnan
    Technical Architect - Hexaware
  • For Customers
    Overall, my experience with Team Elephant.in was positive, the price and features offered were very good and resolved all my health insurance-related queries. I couldn't be happier with the overall outcome
    Pratima Agarwal
    Consultant- Andritz Hydro
  • For Customers
    Great support and service from Team Elephant. Always available and absolutely love how smoothly the whole process went by. Thanks for all your support and help!
    Aishwarya Nair
    Graphic Designer
  • For HR
    Alliance Insurance has been our insurance brokers and risk advisors for the last many years. Their insurtech platform Elephant.in which advises employees on their purchase of personal insurance policies voluntarily, has been integrated into our system seamlessly, giving employees the muscle of the corporate for their personal insurance requirements. Moreover, being completely cost-free to us as a corporate with no commitment partnerships, in terms of business or participation from the employees, Elephant.in is truly a great addition to our Employee Value Proposition and the overall bouquet of employee benefit initiatives at INOX Group
    Siddharth Jain
    INOX Air Products Pvt Ltd - Director
  • For HR
    At HomeFirst we are continuously looking for improving holistic employee wellbeing and ensure that they have the opportunity to get the best in the easiest way possible. Elephant fits in perfectly as it combines the best products available in the insurance industry and provides them at the most competitive rates with great flexibility to the employee. All this while taking away the administrative burden from the organisation burden from organisation for providing the same.
    Ramakrishna Vyamajala
    Chief Human Resources Officer- Home First Finance Limited
  • For HR
    Elephant.in provides great deals on personal insurance for our employees, and is an innovative addition to our suite of employee benefits options.
    Mohan Monteiro
    CHRO -House of Hiranandani
  • For HR
    I recently renewed my motor private car insurance policy with Elephant.in and I must say, I am very much impressed with their prompt and qualitative service. The whole journey has been very smooth and hassle-free plus I got a good deal on my renewal policy with many add-on benefits. Thank you, Team Elephant.in, keep up the good work!
    Sanjay Gopalan
    Vice President - Fairmacs Shipping and Transport Services Pvt Ltd
  • For HR
    Elephant.in was recently onboarded into our organisation and the integration process went very smoothly. Our employees were given exclusive deals on well-curated insurance products to choose from. Congratulations, Elephant.in!
    Shubha Shetty
    HR Manager -Marathon Realty
  • For HR
    My car insurance policy was purchased from Elephant.in, and I am really pleased with my overall experience. Their AI-based recommendation, as well as multiple options from other insurance companies, were presented to me, resulting in a fantastic range of options to choose from, all at exceptional discounts when I used my work email ID. Cheers to Team Elephant.in!
    Aashish Majumdar
    Finance Head - INOX Air Products Pvt. Ltd.
  • For HR
    We recently partnered with Elephant.in as a part of our employee benefit initiative. The team was helpful and made sure we had a seamless onboarding process. They curated enticing discounts and offers for our employees and provided a well-trained customer service team to assist us with any questions we had. Team Elephant, keep up the fantastic job!
    Sandeep Raina
    Senior General Manager - Human Capital and General Affairs - Welspun Group
  • For HR
    As part of our employee benefits activities, we launched Elephant.in as a voluntary insurance programme, and we are pleased with the product and service offerings, which are exclusive to our employees. The insurance benefits from Elephant.in were also simple to incorporate into our ecosystem, making the onboarding process hassle-free, and ensuring our employees get the best insurance product, at discounted prices using their work email ID. Our employees can now easily purchase their personal insurance policies at a click of a button, all thanks to Elephant.in. Looking forward to a long-term partnership with Elephant.in for the benefit of our employees.
    Arun Bhatia
    Chief Human Resource & Corporate Affairs Officer -INOX Leisure Ltd
  • For HR
    Team Elephant.in has helped us with timely and efficient support on the queries our employees had. They have provided step-by-step assistance to our employees in making well-informed decisions about their insurance requirements. Thank you, Elephant.in for a wonderful experience.
    Deepak Patel
    Assistant General Manager - Human Capital and General Affairs - Welspun Group
  • For HR
    Impeccable performance and exceptional service by Team Elephant.in. The entire process of onboarding has been smooth and quick. Well curated insurance solutions for every need, best prices, 24*7 assistance, and expert advisory is all that was provided to us right from day one. Good job guys, Keep it up!
    Subhash Mali
    Vice President, HR- H.K. Design
  • For HR
    Team Elephant.in delivered an outstanding performance and provided amazing service. The entire onboarding process went smoothly and quickly. From the beginning, we were given well-curated insurance choices for every requirement, the best costs, round-the-clock help, and expert advice. Keep up the good work, folks!
    Saumya Badgayan
    Vice President - Corporate Strategy HR & IR - Gold Star Jewellery Pvt. Ltd.
  • For HR
    As part of our employee benefits initiative, we recently implemented Elephant.in for our corporate employees, and we are very satisfied with the service. With enticing discounts, employees were able to choose from a pool of well-curated insurance products. You're doing a great job, Elephant.in
    Anant Nagvekar
    Compliance Officer - Brunel India Pvt Ltd
  • For HR
    Thanks for all your support. Really appreciate your efforts in coordinating with the insurance company to process the Corona Rakshak Policy.
    Rachel Dennis
    HR - Indian Electrical & Electronics Manufacturer's Association -
  • For HR
    We onboarded Team Elephant.in for our corporate insurance benefits program and the entire journey was very smooth and easy. Right from day one, their dedicated team ensured all our insurance needs were fulfilled by providing us with handpicked insurers, 24*7 assistance, mega offers, and discounts on all their insurance products, AI-based recommendation system, and much more. We are happy with their service and recommend them to all!
    Pramod Khedekar
    Hs Jogani And Sons Private Limited -Accounts Manager
  • For HR
    We recently onboarded Elephant.in for our corporate employees and are highly amazed by their best-in-class benefits deployed and managed without any issue, well-curated insurance solutions that match all our needs, dedicated customer support team that is available 24*7, best prices from handpicked insurers, mega discounts on products, and much more. Kudos Team Elephant.in!
    Burhan Ujjainwala
    Sr. Accountant -Nadrix Solutions Private Limited
  • For HR
    Elephant.in has ensured the best prices on insurance products along with very supportive customer service for our team. It has worked as a helpful tool to enhance employee benefits at zero cost or bandwidth to the company.
    Chandan Kumar
    Regional Insurance Specialist- Andritz Group
  • For HR
    The Whole idea of Launching Elephant.in was to align oneself with the current digital age and provide robust and customized digital retail insurance solutions to the employees so as to fulfill their personal insurance requirements under one single online platform thereby helping them buy exclusive curated products at the click of a button
    Rohit Jain
    Kale Logistics Solutions-AVP – HR & Admin
  • For HR
    We chose Elephant.in as it's a one-stop-shop for all the insurance needs of the employees. This solves all needs of personal Insurance.
    Chitra Narayan
    India HR Head- -A.O.Smith India Pvt Ltd
  • For HR
    Onboarding Elephant.in for our corporate employees has been a brilliant experience. Their Pre and post sales service is quite smooth and seamless that ensures 100% transparency and quick solution to queries. We highly recommend them in the employee benefit space. Good job team Elephant.in.
    Kiran Nair
    HR & Admin - Wall Street Finance
  • For HR
    Securing employees emotionally with the right platform while hunting for the insurance products in the open market is a great challenge Elephant.in gives a team of experts to support the best products
    Sonal Gururaj
    Hr Associate -Entuple
  • For HR
    Elephant.in has given a wide range of options at the best price to our employees under a single umbrella. They have a very business model that acts as a bridge between retail and corporate insurance package
    Kumar Gyanendra
    HR Manager- Edureka
  • For HR
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