Here are the answers to frequently asked questions about the costs, premiums, bonus and discounts that you can avail on your motor insurance.
There are a number of sections under the Income-Tax Act that give additional tax benefits on medical insurance premium.
Investors in unit-linked insurance policies can look forward to some more transparency. But costs, though not front-loaded, will be spread over the lock-in period.
While buying health policies, customers should reveal any pre-existing diseases. This is the only way to ensure that the insurer does not reject claims.
Road ministry mulls a fee of Rs 15 for such a cover.
Whenever you buy a life insurance policy the company offering it will levy a charge for the insurance protection upon death and to cover certain other expenses. In a nutshell this is the actual cost of insurance.
Similar to a travel insurance that is purchased during booking flight tickets online, those booking tickets on IRCTC's website would get an option to purchase insurance for their train journey
The proposed portable health insurance policy, earlier to be sold only to those between 18 years and 40 years, is to now cover individuals from three months to 65 years. The product, which has been in the works for over a year, has been cleared by the General Insurance Council, the industry lobby, which will approach the regulator to approve the product.
. . . and what you should be watching out for in your everyday financial transactions with agents, brokers, banks, employers and even your kirana store.
It might help alleviate the economic crisis by addressing the root cause of the unwillingness to spend, says Robert J Shiller.
Read the fine print carefully lest your claim gets rejected, advises Tarun Mathur.
It is that time of the year when you have to declare your investments to claim deductions. Take well-considered decisions.
The Insurance Regulatory Development Authority (Irda) is planning to issue a notice to Life Insurance Corporation of India (LIC) to stop the latter from allowing policy holders to nominate "strangers" (those who are not close relatives) and religious institutions as beneficiaries of life policy claims.
An insurance broker is someone who acts as a go-between for businesses and insurance companies. Once you contact a business insurance broker and let them know what you need, they will search and find the best policies for your consideration.
When you purchase a two-wheeler, the dealer usually takes care of the hassles of registering the vehicle and getting it insured. However, you should know the types of insurance policies available and the features of the policies.
It is that time of the year when you have to declare your investments to claim deductions. Take well-considered decisions.
Pvt life insurers are planning to foray into health covers, with standalone health insurance policies.
The corporate health policy ceases under following circumstances: The company winds up; you resign or you are terminated from the company; you retire from the services at the age of 60; the company decides to withdraw the health policy benefit to employees, i.e. there is no law that the company should provide health policy to employee; most corporate policies also have restrictive covers.
Here are some major benefits that come along with a child insurance plan
Accident insurance is the cheapest and smartest way of filling the insurance gap especially for the young.
While cancelling the legal tender of 500 and 1,000 notes on November 8, the government had allowed them to be used for utility bill payments for the first 72 hours. This deadline was extended repeatedly and the last extension was granted till December 15.
There are options like loan against property, stocks and life insurance policies.
To reduce the solvency margins on term products and make these products cheaper & popular, The Insurance Regulatory and Development Authority has decided to reduce the solvency margins on term products. Since the term insurance policies provide pure life cover with no maturity/survival benefits they haven't gained popularity with the customers. Insurers currently maintain a solvency margin of 150%. Solvency margin requirements are the prudential norms of capital requirements.
A list of things you should watch out for in your credit card document
On September 1, 2007, the Telecom Regulatory Authority of India reigned in the 'don't call regime' with setting up of the NDNC. Subscribers had to register with the NDNC by calling the respective service provider and the marketing calls were to stop within the next 45 days. However, even after 10 months, unsolicited calls still haunt mobile users.
Under the standard fire and special perils policy, everything is excluded other than whatever is named specifically in the cover. Removal restriction on an all-risk policy will also result in greater adoption of loss of profit insurance, which is a critical risk for any company. Insurance companies are likely to offer value-added services like a replacement car in case of a car breakdown and full compensation (without any depreciation) if the car is damaged.
Three stockmarket experts give their best picks for the New Year.
Giving an exit route to health insurance policy holders, the IRDA said people subscribing to such policies with a cover for three years or more can surrender them within 15 days if they are not satisfied with the terms and conditions of the agreement.
While horror and anger transcend all other emotions about Mumbai's Black Wednesday, eventually they will also raise issues of liability and damages. That the losses were occasioned by forces beyond the control of the management is not in doubt. Nonetheless, a critical issue would be: Whether these hotels were insured against acts of terrorism.
The purpose of pet insurance is to mitigate the risk of incurring significant expense to treat ill or injured pets.
Generally, there is a grace period for paying your insurance premiums -- a period of one month. During this period, the policy remains valid. However, beyond one month, the policy lapses, and no claims will be entertained by the insurance company in case of any eventuality.
Computers need to be trained to recognise images, says Devangshu Datta.
The Workmen's Compensation Act provides for insurance and compensation that an employer has to give to employees in case of an injury or death.
Harjot Singh Narula lists five checkpoints to help you find the best health insurance plan
The growth in the first year premium (FYP), particularly in unit-linked insurance policies (ULIPs), of life insurance players, has been largely unaffected by the unprecedented stock market volatility in the last quarter. Sources at the Life Insurance Corporation indicated that the market conditions have not impacted the sale of ULIP products and the business growth was absolutely in sync with expectations. SBI Life registered a growth of around 90-95% in the quarter ended Mar
Instead of enhancing the sum insured of your basic policy, a more cost-effective option is buying a super top-up policy.
Read the fine print carefully because even a policy with a high sum assured may have sub-limits
'Online aggregators offer discounts of 70% to 75%.' 'At a car dealership, the discount is usually in the range of 30% to 35%.'
Here's what you must know about the premiums that you pay to service your insurance policies.
Installing some safety features is one of the steps that you can take which will work well towards lowering your car premium, says Naval Goel
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