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Insurance is the equitable transfer of the risk of a loss, from one entity to another in exchange for payment.
Insurance provides a financial safety net and peace of mind unmatched by any other form of investment or safe-keeping. Be it a natural or manmade disaster, an accident, major illness, theft, death or any other contingency or unforeseen event, having insurance will help you start from where you left and not set you back.
Types of Insurance
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LIFE INSURANCE
Life insurance policy provides you assurance that your family will get financial security and support even when you are not around. This is the best way where the insured person can save his family from financial crisis at the time of any mishappening or after death, but prior to this it’s necessary to compare best life insurance policies offered by different companies, necessary compare contract terms, cost, premium quotes, limitations and benefits.
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Term Life Insurance:
- Whole Life insurance:
Whole life policies are totally opposite to term life plans. A whole life insurance policy covers risk to an individual for their whole life and generally no pay backs are provided under these types of policies.
- Endowment Life Insurance policy:
Endowment life insurance policies are referred as traditional policies as well. Endowment policies covers risk to an individual for a specific period of time as per the opted policy and it also pay backs sum assured and promised bonuses at time of maturity as well.
- Money Back Insurance policy:
Money back insurance policy is a type of life insurance under which money is paid to an individual at different stages of life yet covering their risk for a specific period of time.
Term life insurance plans provide insurance to an individual for a fixed tenure. It is the pure and cheapest form of life insurance for an individual. This type of policy is suitable for people who are unable to pay high insurance in order to buy endowment policies.
- Unit Linked Insurance Plan:
Unit linked insurance plans are the modern form of insurance. In addition to insurance cover provided by the provider, money is also invested in various avenues therefore providing opportunity to derive good returns as well. So, it serves as an insurance policy and investment plan.
- Retirement Plans:
These policies are specially meant to provide steady income to an individual after their retirement. These kinds of policies enable a person to be independent maintaining good lifestyle.
- Savings and investment plans:
These plans help you to save money and also provide you investment opportunity to grow your money.
- Child Insurance policy:
These types of policies are meant especially for children. The basic motive of these policies is to provide financial assistance to a child at various stages of their education and thus making their bright future.
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Term Life Insurance:
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HEALTH INSURANCE
A type of insurance coverage that pays for medical and surgical expenses that are incurred by the insured. Health insurance can either reimburse the insured for expenses incurred from illness or injury or pay the care provider directly.
Types of Health Insurance :
- Cashless Mediclaim
Cashless Mediclaim plans are those which allow a policyholder to get admitted into a network hospital without the need of a paying any upfront admission fee and discharge fee as the same is paid by the health insurer. The cashless mediclaim reimbursement is capped to the level of sum assured the person has and the coverage’s under the plan.
- Individual Health Insurance
Individual Health Insurance plan offer more protection to a policyholder, as in such a policy the policyholder can consume the entire amount alone without have to worry about sharing it with other members of his family incase of a floater policy.
- Family Floater Plan
Family Floater Plans refer to those which cover the entire family under one plan. Under a family floater plan the people covered share the total health insurance available to them. The benefit under such a plan is that since a large group of people share the same insurance cover the premium to be paid is far lesser in case they all would have bought an individual plans for themselves.
- Hospitalization
Hospitalization plans only pay a pre-fixed amount as per the level of coverage for the room rent only. These plans are cheaper when compared to full indemnity plans as they do not pay for any treatments and medicines used during the course of hospitalization, as they only pay for room rent.
- Cashless Mediclaim
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MOTOR INSURANCE
A standard motor insurance or better known as a car insurance policy is usually the insurance coverage mandated by law to drive on the road. Thus, it primarily covers you against liability damages and unexpected repairs. These liability damages can be of two types. First is when a bodily injury has been caused to a third person. Second is where the property of a third person and own car.
Types of Motor Insurance :
- Car Insurance
- Two Wheeler Insurance
Car Insurance refers to coverage for an accidental loss or damage to own car or to a third party. While choosing for a suitable car insurance policy a person should always look to compare the premium for various insurers so as to know if he has got the best deal or not.
Similar to a Car Insurance, two wheeler insurance also provides protection to cars and bikes. The features of a two wheeler policy are similar to those of a car insurance
- Car Insurance
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HOME INSURANCE
Property insurance provides protection against most risks to property, such as fire, theft and some weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, or boiler insurance. Property is insured in two main ways—open perils and named perils.