Insurance – Hello friends welcome to us our website Filmibeat.org. Today in this article we are talking about Insurance, In this article, we are giving you full information about Insurance.
So, friends if you want to know about what is Insurance, then in this article you can read so many Insurance like — Star Health Insurance, National Insurance, Oriental Insurance, United India Insurance, Bike Insurance, Two Wheeler Insurance, Car Insurance, Health Insurance, and many topics you can read in this article.
In this world, you can take your own house, take a flat or take vacant land, take gold or invest.
You must have heard one thing after all these do not do anything, but do take Insurance.
So many people think about what is Insurance? Insurance is a backup plan or safety policy. It’s meant to protect yourself and your family from any type of situation. That is, insurance is an option to cover the risk associated with your life and your property.
But so many people have no idea about insurance, and so many people think about why should insurance? and how does insurance work? how many types of insurance? If you have full details of Insurance, then you can very easily choose your Insurance. First of all, we are know about What Is Insurance? Let’s Started…
What Is Insurance?
Insurance – First of all, we are talking about what is insurance? Insurance is a legal agreement between two members or parties. In which one is the insurance company and the second is people who need insurance for our life.
According to this legal agreement, when a person needs this insurance, then this insurance company fills the financial loss in the future.
How Does Insurance Work?
Work – Here top of the lines we are talking about what is insurance. Now we are talking about how does insurance works? According to this insurance agreement terms and conditions, an insured person will pay the fixed amount is charged, his fixed amount called a premium.
After taking the premium, if any financial loss to that insured person, then the insurance company fills this any type of loss.
How Many Types Of Insurance?
Types Of Insurance – Now we are talking about how many types of insurance? So, friends only have two types of insurance first is Life Insurance and the second type of insurance is General Insurance.
But today in this time we are watching so many insurances like — Travel Insurance, Home Insurance, Health Insurance, Car Insurance, Crop Insurance, Business Liability Insurance, and many more types of insurances.
Star Health Insurance
Star Health Insurance – In this section, we are discussing the star health family health optima insurance plan. First of all, we are talking about this premium. In this premium, you will take star health family health optima some insured like — 3 lakh, 4 lakh, 5 lakh, 10 lakh, 15 lakh, 20 lakh, and 25 lakh.
National Insurance – Now in this section, we are talking to yo national health insurance. We are discussing this insurance in 4 parts —
- Company Profile
- Requirements To Getting Mediclaim Benefits
- Waiting Periods
- Plan Features
National insurance company limited is India’s oldest general insurance company. National insurance started in 1907 in India. The claim is to be reported to a third-party agent. In this insurance, you will see 200+ cashless hospitals. Portability — Benefits of seniority in waiting period etc, and income tax benefits — section 80D. Number segment of all govt. recognized hospital in India and in this insurance you will cover all diseases.
Oriental Insurance – Here we are discussing Oriental Insurance. The Oriental Insurance was from 1947. It was a subsidiary of LIC until 1973 and in 2003 the control was given to the central government and from then, it started working as a public sector insurance company,
Now we are talking about these key features.
- Life-Long Renewability
- Network Hospitals
The Oriental Insurance is impaneled with 2500+ network hospitals across India.
Benefits Of Oriental Insurance
- Comprehensive Coverage – Coverage options to fulfill all your medical requirements.
- Daily Cash Benefits – When you are admitted to a hospital, you are eligible for daily cash as per the sum insured amount.
- Portability Options – If you are not satisfied or happy with the services then, Oriental provides you with the option to port your policy to the other insurer.
- Tax Benefits – Get the tax benefits on the premiums paid under section 80D of the income tax Act 1961.
United India Insurance
United India Insurance – In this plan, your age limit is 18 to 65 years, and your child’s age limit is 91 days. If you are a dependent, then in this plan your last age is 26 years. Now you will do midterm member addition in your families like your wife or child, then your wife enters within 60 days and your child enters in this policy within 90 days.
- This plan sum insured — 3, 4, 5, 6, 7, 8, 9, 10, 15, 20, and 25 lac.
- Pre hospitalization — 30 Days
- Post hospitalization — 60 Days
- Ayush Treatment — Upto 10,000/- Below 3 lac, Upto 15,000/- Below 3-15 lac, Upto 25,000/- Below 15-25 lac,
Bike Insurance – Two Wheeler Insurance
Bike Insurance – Now we are talking about what is bike insurance. Under bike insurance, you can claim your bike insurance company to get your bike repaired for free during any accident so that they fix your bike and give it back in the least amount.
Our today’s topic is a two-wheeler insurance plan. which has been considered really important for you and your two-wheeler. A two-wheeler insurance policy is a contract between the insurance company and the owner of the two-wheeler. In this plan, a two-wheeler insurance company provides financial assistance against any loss or damages incurred due to an accident for your two-wheeler scooter or bike.
If you find any bike insurance for your bike, then in this article we are giving you the best bike insurance plan.
In this article, we are giving you the 5 best bike insurance.
- HDFC Ergo Two-Wheeler Insurance
- Bajaj Allianz Two-Wheeler Insurance
- SBI General Insurance
- Bharti AXA Two-Wheeler Insurance
- United India Two-Wheeler Insurance
Here to talk to you about the glamorous world of car insurance. I totally get you could probably think of 100 other ways to spend an afternoon than shopping for car insurance. But it’s an essential job for anyone that owns a car.
In this article, we are cover three main types of car insurance UK: third party, third party fire, and comprehensive. In this article, I’ll give you a rundown of what each cover includes, a quick lesson on excess, and some extra cover options that might suit your specific driving style.
Third-party cover is the minimum legal requirement for drives in the UK.
Third-Party Car Insurance
If you were to get into an accident, this type of cover will protect you against injuries to others, both in your car and other vehicles, as well as any legal claims made against you. However, it will only protect you against damages to someone else’s car or property, not your own. A popular choice among first-time drivers those a budget, be aware that third-party cover also doesn’t protect you if your car is stolen or destroyed by fire.
Which would be an absolute nightmare of a day!
Third-party, fire, and theft is the second tire of car insurance.
It works much like a third-party cover but, you guessed it, also includes a cover for stealing vehicles and fire damage. However, it still doesn’t cover you for damages to your own car, if you were to get injured or if your car is written off entirely. So, if you were to get into an accident, you could still end up forking out a lot of money to cover your own costs.
Comprehensive Car Insurance
When it comes to comprehensive cover, kudos to the marketing department for thinking of a dynamic, cutting-edge name for this top tire of car insurance. Not all heroes wear capes, but some should have given the naming round-table just a couple more minutes!
To be fair, the comprehensive cover does what it says on the tin, covering you against fire and theft, personal injuries and injuries to people in your car, and other vehicles, damages to both your car, other vehicles, and property, plus the cost of any legal claims.
With comprehensive cover, you can get in as many accidents as you want. As well as the “big three” you may also have heard of pay as you go and temporary car insurance. Pay as you go is strictly usage-based, so you only pay for the mile you drive.
This type of cover is ideal for people who regularly use their car but only for low-mileage journeys, such as the school run for trips to the supermarket. Despite the name, pay-as-you-go insurance still protects your car even when you’re not driving it. It is just that the cost of your premiums is calculated based on your mileage.
This can be done in one of three ways:
- Tracking Your Miles
- Hourly Rate
- Estimating Your Miles
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