Royal Sundaram Car Insurance

Royal Sundaram’s Car insurance Online is a comprehensive policy which provides cover for you and your car. This car insurance process is very simple, convenient and hassle free claim settlement.

Coverage-

1. The policy covers you against any loss or damage caused to the vehicle due to following man made or natural calamities-
   Man-made Calamities- Riot, strike, burglary, theft, malicious act, terrorism act, etc.
   Natural Calamities- Storm, flood, landslide, rockslide, transit, earthquake, etc.
2. Third party liability which covers death or bodily injury of third parties and also covers damage to third party property.
3. Provides compulsory personal accident insurance cover to the owner driver while driving the vehicle.

Optional Cover-

1. Personal accident cover to unnamed passengers and paid driver
2. Comprehensive cover for electrical, electronic, non electric fittings in the car
3. Cover for CNG kit and Bi-Fuel System which are endorsed in the RC book

Special model wise discounts on own damage premium for your car-

1. 5% discount in premium, subject to a maximum of Rs.200/- for a member of Automobile Association of India.
2. 2.5% discount in premium, subject to a maximum of Rs.500/- for installation of anti theft devices in your car.
3. 25% discount in premium for Vintage cars
4. 50% discount in premium for blind, handicapped, mentally challenged person

The key feature of online buying process is ease your time to purchasing car insurance and also offers the option to renew your existing car insurance policy.

Apollo Munich Health Insurance- Maxima 360° Health Plan

If you need best health insurance for you and your family, Apollo Maxima 360° Health Plan is there for you. This plan is specially designed to provide wide range of health coverage to the individuals and families.

Maxima is India’s first 360° health plan which covers in-patient as well as outpatient medical treatment.
In-patient treatment includes following medical expenses-
Hospitalization Cover- It includes room rent, boarding expenses, doctor/surgeon/specialist fees, operation theatre charges, ICU charges, anesthesia, cost of blood, oxygen, medicines and drugs, surgical appliances, diagnostic procedures, pacemaker, etc.

Pre and Post Hospitalization- The medical expenses incurred for the treatment prior to hospitalization and after hospitalization.

Day Care Procedures- It covers around 140 day care procedures/surgeries, which do not require more than 24 hours of hospitalization due advance technological treatment.

Domiciliary Treatment- It covers the insured for the treatment taken at home, when he/she is not in condition to move in hospital or nursing home or due to lack of accommodation in hospital.

Daily cash for choosing shared accommodation
Daily cash for accompanying an insure child

Covers organ donors expenses, maternity expenses, emergency ambulance charges and new born baby.

Outpatient Treatment-
It offers outpatient consultation on cashless basis at any network hospitals. It also covers diagnostic test, pharmacy bills, outpatient dental treatment, spectacles, contact lenses, annual health check up, etc. It also  covers pre-existing conditions.

Key Benefits-

1. Cashless hospitalization service at over more than 4000 network hospitals across India.
2. Life long renewal policy
3. Cumulative bonus on sum insured for every claim free year, subject to a maximum of 50% of sum insured.
4. Optional critical illness cover for extra protection
5. Premium paid is eligible for tax benefit under section 80D of the Income Tax Act,1961.

Reliance Car Insurance

reliance general insurance offers car insurance, a private car comprehensive insurance policy is available to cover all types of private cars.

This policy covers your car against accidents, burglaries and natural calamities and also offers personal accident insurance and third party liability cover.

Coverage-

1. Loss/damaged to the vehicle caused by accident, fire, lightening, explosion, self-ignition, earthquake, flood, cyclone, inundation, burglary, house breaking, theft, riot, strike, malicious act, terrorist act, transit by raid, road, elevator, and lift.
2. Third party liability provides cover against third party injury or death, third party property damage and liability to paid driver.
3. Personal accident cover for the insured driver of the vehicle while travelling.
4. Optional cover for electrical/electronic accessories, non electrical accessories, Bi-fuel kits comprising LPG/CNG system, etc. Also offers for legal liability to employee, paid driver, cleaner and conductor.

Features-

1. Offers cashless claim facility in over 1700 network garages across India.
2. No claim bonus foe very claim free renewal of policy.
3. Additional discount for the members of recognized automobile association of India and also for installation of anti theft devices in the vehicle, voluntary excess, side car discount, specific location usage cover discount, etc.
4. Special discount for physically challenged car owners and vintage vehicles.

Oriental Insurance Health Insurance

Oriental Insurance was founded on 12th of September 1947. It is a subsidiary of General insurance Corporation of India.

The company operates mainly in areas like power plants, chemical plants, petrochemical and steel plants and has broaden its reach by providing services which fulfill the requirements of the Urban and Rural sectors of India.

List of policies provided by Oriental Insurance Health Insurance:-

1. Health (mediclaim) Policy.
2. Individuals insurance policy.
3. Insurance for Professionals in various field.
4. Insurance for Corporates.
5. Policies for Engineering/Industry.
6. auto insurance.
7. Agriculture/Sericulture/Poultry Insurance
8. Insurance for Pets.
9. Insurance for Aviation.
10. Marine Insurance.

Bharti AXA-Smart Health High Deductible Insurance Policy

bharti axa Smart Health High Deductible insurance policy is a top up cover which can be taken with any your existing health insurance policy. You can take this policy with any Bharti AXA Health Insurance or health insurance from any other providers.

Policy Benefits-

1. Cover for hospitalization expenses including room rent, boarding expenses, doctors fees, cost of medicines, etc. The payment or reimbursement is depends on the deductible that have been agreed upon.
2. Medical expenses are covered up to 30 days before hospitalization and up to 60 days after hospitalization.
3. Pre-existing diseases are covered after 4 continuous claim free policy years.
4. Cover for in-patient physiotherapy charges
5. Accompanying person’s expenses
6. Ambulance charges

Eligibility-

1. Any one aged between 5 to 70 years is eligible for this policy
2. Children below 5 years can be covered, if one parent is covered under this policy
3. Cover for spouse and two dependent children up to the age of 23 years

Additional Benefits-

1. Renewal discount of 5% for every claim free year, subject to maximum of 25%.
2. Premium paid is eligible for tax benefit under section 80D of the Income Tax Act,1961.

National Insurance Company – Mediclaim Policy

National Insurance Company’s mediclaim policy has been plan under the guidance of the Government of India.

The policy provides security to individuals, families in term of finance, for treatment in hospitals for sickness, disease or accident.

Some of the Benefits provided by National Insurance -

1. Pays hospitalisation expenses incurred for -

• Room charges, boarding expenses.
• Nursing expenses.
• Fees of surgeon, consultant, specialist,etc.
• Expenses on account of operation theater charges, surgical appliances, medicines and drugs, X-ray and similar expenses.

Tata AIG Hospital Care

TATA AIG Hospital Care is a unique insurance that provides reimbursement for unforeseen hospitalization expenses due to accident. It provides for regular hospitalization expenses like operation theatre charges, consultation, surgeon’s fees, anesthetists fees, pathology tests, x-ray, ambulance charges, etc.

Unique Features-

1. Provides regular hospital cash benefit.

2. Accidental death benefit provides equivalent to 100 times daily hospital cash benefit.

3. ICU benefit provides double cash benefit

4. Physiotherapy benefit is provided.

5. Flexibility to choose plan option from 3 levels of different protection.

6. Available on individual basis and for family.

Tax Benefit-

Premium paid by cheque or credit up to Rs.15,000/- is eligible for tax benefit under section 80D of the Income Tax Act,1961.

Tata AIG Secured Future Plan

TATA AIG’s Secured Future Plan is an personal accident policy that ensures a regular monthly income for a specified period in case of death in accident or permanent disability.

It gives an flexible option to choose monthly income benefits ranging from Rs.10,000/- to Rs.30000/-, for a period of 5 years to 20 years. You can choose the benefit option based on your monthly expenditure.

The insurance  is available in two sections:

Silver Plan -Benefit ranging from Rs.10000/- to 20000/-

Gold Plan – Benefit ranging from Rs.25000/- to 35000/-

The premiums are paid on monthly renewal basis and not depend on the age.

Tax Benefit on Health Insurance

Today, owning health insurance is very important, because the medical cost have increased significantly. It helps ones to avoid huge financial loss in the event of medical emergency. But, health insurance cost also increased significantly.

The government also recognized that health insurance cost is very high. This is the reason government offer different tax breaks to ease the financial burden. Because of this more and more people opt for health insurance.

Tax benefit is available on all types of health insurance, whether it is purchased though employer or individually. If the person purchase health insurance through employer, the cost will be deducted from the employees paychecks as a pre tax deduction. Additionally, such a plans are available at much lower cost and more benefits. If the person purchase individually, the cost will deduct according to the schedule of the plan.

The premium paid for the health insurance is tax deductible under section 80D of the Income Tax Act,1961. But, it is important to know that only premium paid by cheque or credit card is eligible for tax benefit.

Star Senior Citizen Red Carpet

Star Health Insurance introduce India’s first health insurance specially designed to cover senior citizens. It provides hospitalization expenses incurred as an in-patient for sickness/illness/diseases and accidental injuries.

Main Features-

1. Available for the people aged between 60 and 69 years

2. Guaranteed renewals beyond 69 years.

3. Treatment provided at network hospitals only.

4. Available without any pre-acceptance medical screening.

Policy Benefits-

1. In-patient hospitalization expenses for more than 24 hours hospitalization. It includes-room rent, boarding expenses, operation theatre charges, ICU Charges, nursing expenses, consultant fees, surgeons fees, specialist fees, anesthetists fees, cost of blood, oxygen, medicines and drugs, diagnostic tests, x-ray, dialysis, chemotherapy, radiotherapy, cost of pacemaker, ambulance charges, etc.

2. Treatment for cardio vascular diseases, cerebrovascular accidents, cancer, breakage of bones, contract, renal complications, etc.

3. Emergency ambulance charges

4. Post hospitalization expenses are covered.

5. All pre-existing diseases are covered, except those for which treatment or advice was recommended by or receive during the immediate preceding 12 months from the date of proposal.

Sum Insured Options-

Sum insured options are Rs.1Lakh and Rs.2Lakh.

Tax Benefit-

Premium paid by cheque or credit card is eligible for tax benefit under section 80D of the Income Tax Act,1961.