FAQ

Frequently Asked Questions

Answers to the most frequently asked questions are just a click away.

Most people can benefit from life insurance. It's the best way to ensure your family's financial security.

Network hospitals are hospitals/health units that have tied-up with the health insurance companies. The policyholders may benefit from cashless hospitalization when admitted to one of the insurance company's network hospitals.

Term insurance is a pure protection plan that guarantees financial freedom for your family. It is a contract between an insurance company and a policyholder that requires the policyholder to pay a specified premium at specified intervals. The insurance company promises the policyholder that if the insured dies untimely during the policy period, the insured amount will be paid to the beneficiary as long as the policy is in effect.

Life insurance policies come in a variety of offerings catering to the needs of protection, savings and protection-cum-savings. Some of them are:
Term Insurance plan, Whole- life insurance, Endowment plan, Money-back plan, Pension plan, Child plan, ULIPs (unit-linked plans).

Health insurance protects you and your family by providing financial assistance in the event of a medical emergency. Health insurance ensures you don't lose your savings while paying for medical bills.

Health insurance benefits vary from policy to policy. Basic health insurance benefits include coverage for inpatient hospitalization, pre & post-hospitalization, daycare procedures, emergency ambulance expenses, organ donor expenses, domiciliary hospitalization, OPD expenses, and more.

Insurance is protection against unexpected events. Insurance products not only help you reduce your risks but also provide a financial cushion against your financial burden.

Accidents, illness, fire, and financial security are things to worry about. General Insurance provides you protection against such unforeseen events. General Insurance is not intended to provide returns, it is a protection against unforeseen circumstances.

Life insurance provides financial stability for your family if you are unable to earn due to an accident or illness. The insurance also pays benefits to your beneficiaries in the event of an adverse event. This type of insurance ensures that your family can cover their expenses and maintain their lifestyle in your absence.

Term plans offer financial protection for families at the most affordable rates. You can get a large amount of life cover or sum assured at a relatively low premium rate. The benefit amount is paid to the nominee in case of the death of the person insured.

Premium terms generally differ for smokers and non-smokers, and these terms are generally higher for smokers who fall into the high-risk category.

If you want to keep your premiums low, term insurance is the way to go. However, if you want protection for the rest of your life, whole life insurance is recommended.

Critical illness insurance covers life-threatening illnesses such as cancer, stroke, heart attack and kidney failure. The Critical Illness Plan offers extensive coverage for critical illness, a lump sum payment upon diagnosis, tax benefits, and more.

Critical illness insurance covers life-threatening illnesses such as cancer, stroke, heart attack and kidney failure. The Critical Illness Plan offers extensive coverage for critical illness, a lump sum payment upon diagnosis, tax benefits, and more.

Premium payments can be made annually, quarterly, semi-annually, or monthly, depending on your preference. Some life insurance policies also offer a lump sum payment option.

Various riders are available such as Critical Illness Riders and Accidental Death Riders to help achieve comprehensive coverage.

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