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Protection related products (INSURANCES) (LIFE INSURANCE (Anyone…
Protection related products
(INSURANCES)
LIFE INSURANCE
(Anyone dependent on you?
+
SA = Minimum 5 times of yearly earnings)
TERM
Only insurance against Death
Large cover at affordable rates
Option to increase life cover
after Marriage (50% increase),
1st (25% increase) &
2nd (25% increase) childbirth,
without any medicals
Addons
34 Critical illness Benefit
Additional Accidental Death Benefit
Payment Options
Regular Pay
Limited Pay (Pay only for 1, 5, 7, 10 Years only)
Family will get
The entire amount in a single installment
One large amount + rest in installments
Regular monthly installments
Cheapest
Increasing installments
ENDOWNMENT
These policies, unlike pure term insurance, provide death and maturity and sometimes surrender value benefits.
Insurance + Investment (FDs, debts, TBills, Etc)
WHOLE
You pay for afew years and you are insured for whole life.
Only insurance
ULIPs
Gives investors both insurance and investment (in equities/debt etc) under a single integrated plan
MEDICAL INSURANCE
OR
MEDICLAIM
(Must Have)
Want to take a claim?
Waiting period over?
30 Days from policy first start date done?
2 Year for specified diseases done?
4 Years for pre-existing diseases done?
Sum Insured Available?
Check :check:
Automatic One Recharge 100% of Sum Insured Only
NCB 10% Upto 50%
NCB Super 50% Upto 100%
Expenses?
Can be moved to hospital?
Hospitalisation
:warning:Note : If hospital is not listed by the company,
bear 20% of claim amount
and get 15% discount on premiums
Ambulance Required?
Upto Rs 2,000 per hospitalisation
Admitted > 24 hours?
In-patient Care
Single private unlimited room
Daily Allowance?
Max. XX Days
Rs XXXX per day
1 more item...
Organ Donor Required?
Upto Rs 1,00,000
Major Illness/Injury?
Second Opinion allowed once per year
Want alternative treatments by
Ayurveda, Sidha, Unani or Homeopathy from approved hospital?
Upto Rs 20,000
Admitted <= 24 hours?
Day Care
(Treatment done due to techno advancement + which wud have o/w reqd Hospitalisation of > 24Hrs)
Pre
30 Days
Post
60 Days
Can't be moved to hospital?
OR
No room at hospital?
AND
Treatment > 3 Days
Domiciliary Hospitalisation
10% of SI, after deducting first 3 Days
Annual Health Check-up
One checkup, per person per year
Addons
OPD Benefit
Maternity Benefit
Critical Illness
Hospital Daily Cash
Personal Accident
Accidental death
Disablement
total
permanent
temporary
partial
permanent
PERSONAL ACCIDENT INSURANCE
Death & Disability?
Day Care Benefit