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Vehicle Insurance

Generally people take this policy to get compensation their Vehicles. It is benificial for Vehicles Maintenance.

Condition to buy Vehicles insurance policies:- 1. As per latest policy of Government, it is mandatory to insured your vehicle.
2. Vehicle insurance provides covers for vehicle in case of vehicle accidents.
Types of Vehicle insurance:- 1.Collision Cover: - Policy holder will get benefits of vehicle insurance in case of collision of vehicle.
2.Third Party Cover:- In case of accidents, policy holder will get benefits of policy only in case of damage done by third party.
3.Comprehensive Coverage:- this type of vehicle insurance provides complete cover not only for person but for vehicle and third party too.
Vehicle insurance providing companies provides some additional facility to policy holders. Some of them are:-
1.Return to Invoice:- this facility help policy holder to complete caste what he invested by honor for repair vehicle.
2.No-claim bonus Protect:- insurance company provides bonus to policy holder. If he has not clam bonus in previous financial year.
3.Zero depreciation:- insurance companies also provides covers for particular part or specific damage part of vehicle.
4.Engine Protect: - this type of policies provides covers for engine insurance.
Advantages of Vehicle insurance:- 1. Personal Accident cover.
2. Ability to preserve the value of vehicle.
3. Legal protection.
4. Cover for loss in vehicle.
5. Provides coverage overage for natural calamities, theft, self ignition, explosion, fire, strikes, riots, terrorism.
6. Cover in injury or financial loss.

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Travel Insurance

this type of insurance policy compensate to policy whenever policy holder suffers any major loss while traveling.

Need of Travel Insurance:- 1. It is required in case of policy holder suffers with any injury.
2. It is required if policy holder loss in bags or any other materials in journey.
3. Policy holder will get medical benefits if he faces in journey.
Insurance Companies avails various types of insurance plans not only for international trip but for domestic trips also.
Types of Travel Insurance:- 1.Student Travel Insurance: - these types of insurance plans are beneficial for the students who study in abroad, provide them complete cover till the end of course.
2.Family Travel Insurance:- Family travel insurance is beneficial in case of entire family is planning to travel together in domestic and international destination.
3.Senior Citizen Travel Insurance:- this policy is beneficial for the person whose age is between 61-70 years. Senior citizen can make their trip even more memorable.
4.Single trip insurance:- this is the most common travel insurance that every passengers must take service of this insurance policy. Almost every company provides this policy for all customers.
5.Corporate Travel Insurance:- this policy provides cover to employees of companies while they travel for official works.
Advantages of Travel Insurances:- 1. Crisis shifting facility.
2. Free mindset in journey.
3. Instant covers facility.
4. Provides covers for militant activities.
5. In case of change in schedule provides financial cover to policy holders.
6. Provides protection and cover not only for single trip insurance but for multi trip insurance too.
7. Free medical facility for policy holder.
8. Beneficial in case of policy holder suffers with any major accidents.

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Life Insurance

Life Insurance is all about the insurance of any person and compensation will only be effective after death of that person.

Life Insurance fulfills financial needs of family of policy holder as per policy offers and benefits. Life Insurance fulfills financial needs of family of policy holder as per policy offers and benefits.
Types of Life Insurance:- 1. Term Life Insurance:- this is one of the most common insurance type and provides cover to policy holder for particular tenure. In this type of insurance policy maximum tenure is 30 Years.
2. Whole Life Policy:- this insurance policy provides entire life insurance till death of policy holder.
3. Endowment Plans:- this insurance policy provides protection for both condition, means not only in death but in survival time too.
4. Unit Linked Insurance Plans:- In this insurance policy insurance company not only provide insurance cover but it also invest premium amount for target based financial services.
5. Money Back Policy:- This insurance policy reimburses survival benefits occasionally amid the term of the policy.
6. Savings & investment plans:- this types of insurance policy is beneficial to save amount for future use or in emergency condition.
7. Retirement plans:- this is not life insurance plan, it is beneficial to person who is looking to plan his like after retirement. Policy can be selected on monthly, quarterly, half yearly and annual.
8. Child insurance policy:- Child insurance policy not only provides financial cover and it continually manage the education charges of policy holder child.
Benefits of Life Insurance Plans:- 1. Life insurance policy may be exchanged with another life insurance policy without changing income tax related plans.
2. Policy based loans are free from all regulation of income tax.
3. Currency withdrawal, equal to insurance premium is tax free.
Disadvantage of life insurance Plans:- 1. Sometimes getting bonus and other benefits from insurance policy become quite complicated.
2. Sometimes selecting business insurance or personal insurance complicated task.
3. To pay premium of policies, policy holder needs to cut other expanses otherwise things may become complicated.
4. Sometimes final amount may differ with premium paid by the policy holder.

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Medical and Health Insurance

This policy will help to policy holder when is suffering with any major deceases or operations.

Generally people go for health insurance related policies because of the following reasons:- 1. Health insurance policies help to policies holders in case of medical coast.
2. To get financial help while suffers because of major health related issues.
Health related insurance policies deals with medical expenses, ambulance charges, doctor´┐Żs fees, operations fees and fees.
Types of Health Insurance Plans:- 1. Family accommodation insurance:- This types of policy provides complete cover for policy holder.
2. Personal Health insurance:- this types of policies refers to individuals policy benefits.
Some insurance facility providing company additional facility like critical illness benefits, operations expanses and hospital cash facility to policy holders to make them happy.
Advantages of Health insurance policies:- 1. These policies provide cashless treatment facility for policy holder.
2. Day care facility for policy holders.
3. Support in case of critical illness.
4. Policy holder will get advantages in hospital expanses.
5. Additional facility to policy holders in case of emergency needs.
6. In case of family insurance protection for entire family.
7. Health insurance policies provide deduction in income tax.

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Home Insurance

type of insurance is best suitable in maintenance of home.Insurance providing company will compensate when policy holder suffers loss because any tragedy.

Need of Home insurance:- 1. To get cover in case of natural tragedy or self made tragedy.
2. To forget about the protection of your house.
3. To get additional discount and facility through other policies.
Anyone who is interested to take home insurance policies may take for different tenure as per choice and needs.
Home insurance policies protects policy holder from following tragedy:- 1. Earthquake or volcanic tragedy.
2. Explosions, fire, lightning.
3. Tornado, cyclone, flood, tempest, storm, typhoon.
4. Flooding of water pipes or tanks.
5. Damage due to roadways or railway lines.
6. Landslide and Subsidence.
7. Rocket testing operations.
Advantage of home insurance policies:- 1. Freedom from house protection.
2. Boost the chances of getting home loan.
3. Provides covers in case of any theft.
4. If any person of policy holder family suffers with any accident, this policy provides cover to insured family.
5. Provides protection to ornaments of gold and silver.
6. Provides insurance for loss due to natural reasons.

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Crop Insurance

this policy provides compensations to farmers in loss of their corps.

Type of Crop Insurance Policy:- 1.Multiple peril crop insurance (MPCI):- this insurance policy provides covers to policy holder farmers in different ways and factors.
2.Actual production history (APH):- this insurance policy is based on average of production earn by farmer and in condition of loss in production company will provide compensation on basis of average production.
3.Group risk plan (GRP):- this type of policy is based on particular region or area of any country. This policy provides average cover for entire country.
4.Crop revenue coverage (CRC):- this insurance cover not only production statics but overall income produced by crop in that particular seasons.
Benefits of Crop insurance:- 1. Crop insurance provides financial recovery to policy holder farmer in case of loss in production because of any disaster.
2. It minimizes the issue of provincial obligation, which is traceable to the regular disappointment of products.
3. It might go about as hostile to inflationary measure, by locking up part of the assets in rustic ranges.
4. Insurance cover motivates farmers for agriculture.
5. It maintains financial systems of farmers.
Disadvantages of Crop Insurance:- 1. Sometimes adjustment with insurance company rules becomes quite complicated.
2. Insurance premium payment becomes quite complicated.
3. Sometimes getting bonus and rewards becomes quite complicated for farmers.

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INSURANCE

As we all know that Insurance is an agreement by which the state or a company undertakes to provide a guarantee of cover for death, specified loss, damage or illness in return for payment of a particular installment. Insurance policies help individuals to make things easy in their life. One of the main help that these policies offer to its customers is financial cover and helps them to make their life much better and efficient. Basically people look for life insurance, property insurance and health insurance. Most common reason to go for these insurance policies is to have another option in case of financial emergency. In modern era as people are facing different type of issues related to their health, property, education and several other problems.


BASIC STEP TO APPLY FOR INSURANCE POLICIES

1.Decide amount that you want to spend for insurance policies.
2. Explore list of insurance facility providing company.
3. Compare plans, offers along with extra benefits.
4. Select best insurance plan providing company.
5. Calculate tax benefits from that policy.
6. Check policy tenure as per your need.
7. Validate information about insurance providing company to avoid any financial trap.
8. Read online feedback of customers regarding respective policy.
9. Check important formalities.
10. Fill application with important details including your personal information.
11. Choose your nominee as per your personal preference.


Common Insurance Types

Life Insurance

Life Insurance is all about the financial cover of any person and compensation will only be effective after death of that person. Life Insurance fulfills financial needs of family of policy holder as per policy offers and benefits. Life insurance is beneficial in case you are going die early because of poor health or going to live long.

Always select plan as per your income to avoid any financial complication. This type of insurance policies help policy holder to maintain similar life style in sudden death or accidents of main earning person. Before investing in insurance policies collect information about terms and condition of insurance providing company. Otherwise in some case policy holder deals with financial trap and company create problems in claim settlement and bonus settlement. A life insurance policy also provides discount benefits in income tax to policy holders. One of the most important and useful tips is that individuals must select plans as per their budget and need.


Property Insurance

Property insurance provides financial cover for owner of any valuable property. Property insurance consists of renters insurance, flood insurance, earthquake insurance and homeowners insurance. This is also quite important insurance that people buy for safety of their property. In case of natural disaster these types of insurance policies are quite useful.

Property insurance is the best option to get financial cover for the safety of your valuable property. Always choose insurance plans as per your need and offers provided by insurance providing company. Apart from covering the value of your home or diverse property, a few protection strategies also grasp an imperative arrangement for obligation scope. You will not assume this can be crucial, being the watchful individual who you're, in any case, there region unit various enthusiastic legal advisors in every town watching out high and low for claims against people like yourself. Risk scope is recognize to house proprietors of vehicles, however could likewise be lesser-known to householders. In India basically buy property insurance to protect their property from Bursting or overflowing of tanks, Impact damage, Missile testing operations, fire, Subsidence, landslide, Bush fire, lightning, Storm, cyclone, typhoon, tempest, hurricane, tornado, flood & inundation, Explosion, implosion, Riot, strike, aircrafts damage and some other disaster.


Health Insurance

Health insurance is one of the important insurance policies that individual must buy to get financial cover in case of major and serious disease. An insurance policy not only provides benefits for policy holder, but their family members too. In country like India it becomes even more important to avoid lack of money to pay hospital bills. In India several renowned insurance facility providing organization are providing its services to individuals as per their requirements.

Before choosing health insurance policy, like aware individual explore all popular health insurance policies, compare their benefits, offers, fees and other features to avoid any future complication. Health insurance not only provides financial cover, but at the same time helps policyholders in income tax saving. Never go with company marketing and promotions validate all details then choose policy as per your budget and interest. In India customers plenty of companies offer health insurance facilities in lowest monthly fees. Some popular health insurance plans are:-
1. Short term health insurance.
2. Catastrophic Plans (primarily available to people under age 30).
3. Gap insurance like critical illness, accidental and others.
4. Employer based health insurance plans.


STEPS TO CHOOSE INSURANCE PLANS FROM APPLYKAROO

1.Go to URL https://www.applykaroo.com/insurances and following window will appear on screen.

2.Enter name of your city, your monthly income, insurance type and click on the search button.

3.Then, as per user detail relevant insurance facility providing companies list will appear on screen.

4.Then, select insurance plan as per your interest and click on the APPLY NOW button.

5.Enter your valid details in the application form.

6.After successful submission of application, you will receive confirmation from respective company of successfully buying an insurance policy.

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