Health Insurance policy cover hospitalisation expenses on account of an illnesses or injuries. A comprehensive health insurance covers the cost of hospitalisation, day-care procedures, medical care at home (domiciliary hospitalisation), ambulance charges etc. The expenses are paid directly to the healthcare provider or reimbursed. The Income Tax Act of India allows tax benefit u/s 80D for premiums paid for health insurance plans.
Individual Health Insurance Policy, Family Health insurance plans, Critical Illness insurance Plans, Personal Accident Insurance Plans, Senior Citizen Health insurance Plans , Top up Health Insurance Plans, Group Health insurance Plans, Global Insurance
We help our clients to invest in mutual fund schemes from more than 40 fund houses. We match mutual fund schemes with customer's life time goals & ambitions.
Identifying the gaps and overlaps in your insurance planning, assessing the needs and representing you in getting the quotes, comparing the benefits, helping onboard the company & Product of your preference and helping you in your claims processing.
Helping you understand the taxation impact of each of your preference, choose the most suitable tax efficient products, ensuring compliance even while maximizing your returns.
We are the most important person in your life; Retirement is a reality check, our earning stops, the post and power we held is now with someone else, the people who cozied up to us are nowhere to be seen. The only companion that we make this journey.
The wealth we created all our life should have a purpose, it should pass on to the right person, at the right time, though the right instruments & means. It is important that this decision is not clouded by emotions, rather is driven by rationale. A professional approach ensures, our life is celebrated even after us.
Most parents save for meeting various needs of their children. However it is important to understand that savings alone will not suffice. It is vital to save an appropriate sum of money and invest it systematically in suitable investment avenues for it to become beneficial. Selecting an ideal portfolio mix of equity, debt, gold is a daunting task for most investors. Furthermore, the investment options & strategy depends upon the age of the child. For instance, an investment plan for a child in age group of 3-4 years will vary for those in the group of 15-16 years.
We all are fueled by our desire for a better tomorrow. A tomorrow that brings in stability and offers a secured environment for us and our dear ones. We strive to save our earnings with a hope that the money will work wonders for us. But are we doing so the right way? Are we taking the right path to be financially healthy? We are focused on creating wealth but lack of knowledge or determination to go about it leaves us feeling perplexed. So how to start & to build financially stable life, let's find out
We offer 54EC Capital Gains Tax Exempt Bonds offered by Rural Electrification Corporation. These bonds are highly safe.
We offer RBI & Government of India Bonds in addition to Corporate Bonds issued by many reputed companies. Corporate Bonds come with higher yield, liquidity and safety
We serve NRIs & PIOs from all over the world. Since our customer base has people from USA to Sri Lanka, we understand the unique needs of NRIs & PIOs. We help from getting a PAN Card to opening bank accounts & finally taking care of their investment needs forever.
Life insurance is a contract signed between a person and an insurance company. Upon periodic premium payments, the insurance company is bound to pay a lump sum amount to the beneficiaries of the policyholder on the unfortunate demise of the policyholder. The intention of the life insurance is to provide a financial benefit to the dependents of the person buying the life insurance, to guard the loved ones against financial pitfalls in case of unfortunate demise of the insured person.
Life Insurance plans are of two categories: one that offers pure protection and the other that offers both protection and savings.
Term insurance is a pure protection plan and the premiums for term insurance are lower when compared to other life insurance products. The premiums are also more affordable if bought early in life. Some term plans also give you the option to add riders, like critical illness coverage (providing a lump sum for the treatment of specified critical ailments) and accidental death benefit+ (paid over and above the sum assured in the unfortunate event of death due to an accident). These riders can provide you and your family with an extra layer of protection at a nominal increase in the premium.
Travel insurance covers expenses and losses associated with travel.
It is a protection for those traveling domestically or abroad.
This type of insurance covers a variety of events that may cause financial
loss before or during on account of trips. This policy covers trip cancellations,
medical emergencies, flight delays, delay in checked in baggage, loss of baggage,
loss of passport, etc. In some countries and for certain categories of travel,
it is mandatory to have travel insurance.
Clauses Protected Under Travel Insurance
In India, as per the law, it is mandatory to insure motor vehicles.
A comprehensive Vehicle Insurance policy provides coverage not only for
the losses or damages to the insured vehicle (Own damage) but also against third-party legal liabilities
Motor insurance plans cover the policyholders in case of financial losses resulting from
• Accidents
• Theft
• Natural disasters
• Fire Damage
• Riots & Malicious Damage
• Third party damage or bodily injury
• Liability to paid driver
.
A liability insurance policy covers professionals, self-employed people, business owners and business organizations against the cost of compensation claims due to malpractice, injury or negligence. Liability insurance protects the Insured from the risks of liabilities imposed by lawsuits and similar claims and protects the insured if and when they are sued for clauses covered by the insurance policy.
Marine Insurance is a form of general insurance policy covering the loss or damage to ship, cargo, hull or any other equipment and transport between the point of origin and final destination of voyage.
Risk covered
• Cargo theft / Pilferage
• Accidental Damage (Vehicle collision / overturning etc.)
• Perils of the sea (High waves and bad weather etc.)
• Natural Disasters
• Fire
• Pirate attack
Standard Fire and Special Perils Policy cover all properties on land (excluding land cost), moveable or immoveable, Stock, Building, Furniture & Fittings, Plant & Machinery and Items covered specifically on declaration etc. The perils include Fire, Lightning, Explosion / Implosion, Aircraft damage, Riot, Strike, Natural Disasters, Impact by vehicles/ animals, Bursting/ Overflowing of Water tanks, Apparatus etc., Missile testing, Bush fire and Pollution or contamination resulting from listed perils. Such plans are usually offered on an annual basis. The premium package is based on the peril inclusions decided at the time of policy inception.
Mobile phones and Laptop computers have become a necessity these days for general lifestyle as well as financial transactions. With constant upgradations, the smartphones and laptops have a wide range and become expensive in general. (From thousands to even lakhs). Mobile Insurance plans safeguards against theft, repairs, and replacement.
Pet Insurance plans help in covering veterinary expenses in case of any medical problems and injuries to pets. These policies will also pay out if the pet is stolen or in case of its demise.
Lift Insurance plans are designed for owners of passenger lifts in homes and buildings against liabilities arising out of the use and operation of the lifts. Such policies provide indemnity for the legal liability of the insured for payment of compensation to third parties for loss of life or bodily injury. Legal expenses incurred by the insured with the consent of the insurer for defending any legal action against the former by such third parties will also be payable under the policy. The policy will contain two limits - for any one accident and for all the claims during the period of the policy which will represent the insurer's maximum liability.
Building insurance covers the framework of your house and its permanent fixtures. This type of cover is applicable to the structure that includes walls, floors, roofs and windows. It also includes the fittings for the bath, bedroom and kitchen. This insurance doesn’t cover the contents of the house but is suitable to those who need to insure the building only.
Houses becomes homes not only due to the structure but also due to the valuable contents – in all aspects. Homeowner Insurance Plans protects homes from unfortunate calamities, thefts, fires, and other such disasters. These policies cover the property as well as the belongings to ensure homeowners’ standard of living is protected.
Property insurance spans across a wide category of general insurance that comes in handy for those who own property, assets, equipment, cargo, and such. Property insurance provides cover against all risks on portable and fixed assets, theft, and damage. This type of insurance is applicable for both individual and corporate segments.
Agriculture is the backbone of the country. Yet, farming remains a risky affair due to natural disasters, inflation, damages to agricultural equipment. Crop insurance protects farmers against from loss or damages to their produce, farming property and assets.
These plans protect businesses and broadly covers loss or damage to insured property by fire, riot and strike, terrorist activity, theft, accident, any of which arising from any fortuitous cause anywhere within the geographical limit stated.
These plans cover losses sustained as a result of act of fraud or dishonesty in respect of monies or goods of the employer committed by the employees in the course of performance of their duties. This policy is suitable for employees occupying positions of trust such as cashier and storekeeper.
Agriculture is the backbone of the country. Yet, farming remains a risky affair due to natural disasters, inflation, damages to agricultural equipment. Crop insurance protects farmers against from loss or damages to their produce, farming property and assets.
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