Tuesday 13 August 2013

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	Term Insurance iSecure Term Insurance plan for the unforseen risks to avoid a financial Jeopardy! Learn more Car Insurance Cashless settlement in preferred workshops. 24 X 7 claim support. Hassle free claim settlement Learn More... Health Insurance Complete health protection for your family against expensive treatment costs. Get tax benefit. Learn more Travel Insurance Our policy provides adequate medical and emergency cover to the international traveller. Learn more Child Insurance Plan Super CashGain Insurance Plan. A plan that secures your life and gives you a steady flow of income Learn More...

Bajaj Allianz Health Insurance is all about savings for income tax benefits

You have always tried your best to fulfill all your responsibilities and take care of your family. However, life comes with risks and unforeseen incidents that can put your family's financial security in jeopardy. Presenting the Bajaj Allianz iSecure Insurance Plan; a level cover term assurance plan that secures your family's financial needs by giving you a level term cover for high sum assured, but at a low cost.

Best Term Insurance Plan review by i-save.com as featured in The Economic Times Wealth, Bajaj AllianziSecure scores a 4 star rating in Price, Features, Servicing and Overall Performance.

Key Features

Premium rate

Bajaj Allianz iSecure Insurance Plan provides separate sets of premium rates for sum assured less than Rs.2,000,000 and for sum assured of Rs.2,000,000 and above. The plan provides you with a separate set of premium rates for the lifestyle categories - Preferred Non-Smoker, Non-Smoker, and Smoker, but only for sum assured of Rs.2,000,000 and above.
Policies can be taken through the web also for sum assured of Rs.2,000,000 and above. Web rebates are available for these policies. The web premium rates are available here with the complete benefit illustration.
The table below shows the premiums for an age of 30 years and a sum assured of Rs.2,500,000 under all the lifestyle categories and for various policy terms:

Lifestyle Category	Policy Term (Years)
Lifestyle Category	10	15	20	25	30
Smokers	3803	3973	4266	4753	5387
Non-Smokers	3469	3561	3723	4047	4486
Preferred Non-Smokers	3258	3353	3488	3780	4208

Benefits

a) Additional Rider Benefits
You can enjoy extra coverage by choosing the optional additional rider benefits at a nominal extra cost. The riders available with Bajaj Allianz iSecure Insurance Plan are:

Bajaj Allianz Comprehensive Accidental Protection Benefit*
Bajaj Allianz Critical Illness Benefit**
Bajaj Allianz Hospital Cash Benefit**

(Please refer to Additional Rider Benefit brochures for more details)
* The Bajaj Allianz Comprehensive Accidental Protection (CAP) rider includes the accidental death benefit, accidental permanent total/partial disability benefit and waiver of premium benefit.
**Hospital Cash Benefit and Critical Illness Benefit riders can be taken only at inception of the policy.
b) Option to Take an Individual or a Joint Life Policy

If you are married at policy inception, then your spouse can be included only at the inception of the policy.
If you were not married at policy inception, you may include your spouse after your marriage in your existing individual policy. Such inclusion can happen at any policy anniversary subject to:

all the necessary procedures with respect to the inclusion being completed prior to the policy anniversary.
the policy term post inclusion of your spouse (i) has to be equal to the outstanding term of your policy and (ii) subject to such policy term being available under the plan, and satisfactory evidence of insurability, being submitted as specified by the company.

In a joint life policy, on annulment of marriage, the spouse will be excluded from the policy. However, you can continue the policy on your life by informing the company and paying premiums with respect to your life; this will be calculated based on the age, lifestyle category (if applicable), sum assured and policy term as at the inception of the policy. Once excluded, the second life cannot be included in the policy again. If the annulment is not informed to the Company, on the death of the second life, only the sum total of the premiums paid from the date of separation (over and above the premium required for your individual policy), will be refunded. But the policy may be continued on your life.

c) Alteration of Premium Payment Frequency
You can change the premium payment frequency at any policy anniversary during the term of the policy, subject to the minimum premium limits under the plan.
d) Option to Take Death Benefit in Annual Installments
Your loved ones may not be in a position to determine the best suitable financial plan or to invest the policy proceeds to support their lifestyle, in case of your unfortunate demise. We offer your nominee (both under the individual and joint life option) the option to receive the policy proceeds in annual installments over a settlement period of 10 years from the date of death This option needs to be informed in writing to the company at the time of filling the "Death Claim Form."
The annual installment will be an amount equivalent to (100% + x%) of sum assured divided by 10 years. The x% will be decided by the company at the time of admitting the death claim and will remain the constant throughout the settlement period.

How to Choose the Best Term Insurance Plan

Let's understand the basics of term insurance for the less finance-savvy readers

Excellent - Relative Ranking

Read this Bajaj Allianz iSecure Insurance Plan Product Review and Scorecard by i-Save Ratings

Other Insurance FAQ's

How much insurance cover can be provided to a non working woman?
What riders can be provided to the non working and the working women?
Can we increase or decrease Sum Assured in future?
What will happen if the I start drinking or smoking after taking the policy?

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Parameter

Eligibility

Minimum Entry Age

18 years

Maximum Entry Age

60 years

Minimum Sum Assured

Rs.250,000 for general category and
Rs.2,000,000 for the categories split by Preferred Non-Smoker, Non-Smoker & Smoker

Maximum Sum Assured

No Limit

Policy Term

10, 15, 20, 25 & 30 years

Minimum Installment Premium

Sum Assured	Yearly	Half-Yearly	Quarterly	Monthly*
< Rs.2,000,000	Rs.1000	Rs.500	Rs.250	Rs.100
>= Rs.2,000,000	Rs.3000	Rs.1500	Rs.750	Rs.250

Minimum Maturity Age

28 years

Maximum Maturity Age

70 years

Best Health Insurance in India Bajaj Allianz Life Insurance Company website or blog

Health Guard, Family Floater Insurance, Family Floater Insurance in India | Bajaj Allianz

In these times of rising medical costs, Bajaj Allianz's Family Floater Health Guard Policy is the perfect health protection for you and your family. It takes care of the expensive medical treatment incurred during hospitalization resulting from serious illness or accident.

You want to protect your family, but rising medical expenses mean that an unforeseen accident or illness can put your savings - and their future - in jeopardy. Protect your family with the Bajaj Allianz Family Floater Health Guard. This all-round health insurance policy covers you and your family against medical expenses such as hospitalization, doctor's consultation, diagnostic tests, medicines, ambulance, etc. Now you never have to worry about running out of cash when it comes to your family's treatment.

In Mumbai, Best Health Insurance in India Bajaj Allianz Life Insurance Company website or blog

Complete Protection for Your Family

Family Floater Health Guard covers expenses incurred during medical treatment for illness and injury. Health Guard Family Floater covers ambulance charges and pre- and post-hospitalization expenses in India.

Monday 12 August 2013

Top 5 Best life insurance companies in india

Nowadays Life insurance company has been providing a vast advertisement promises. It has been initiating people by granting various sorts of supplements like health, children, retirement, and other such plans. Life Insurance is classified into two components temporary and permanent. Below lists various types of insurance agencies:

LIC India

It is one of the largest insurance company and is a large investor and apart from this it is Indias largest insurance corporation. LIC is completely held by Government. It was emerged in 1956. It’s headquarters is in Mumbai. It consists of 2048 branches and 101 divisional offices at different parts of India employing 1 million agents.

Bajaj allianz insurance co. ltd

It is one of the leading insurance company and is spread over 70 countries. It’s branches are around 1200 across country. It is linked with traditional, child, pension policy. it’s head office is in Pune. The paid up capital is about Rs 110 crores.It has made a profit of Rs 180 crores and is a private insurer. With inclusion of tax it has increased it’s profit from Rs 121 crores.

ICICI Prudential Life Insurance

It is a joint anticipation to ICICI bank , a financial service bank. It is one of the first private sector insurance company began in 2000 series. It provides basic term plans like i-Protect online term plan, ICICI Pru Pure-Protect and ICICI Pru LifeGuard, and ULIP wealth plans like ICICI Pru LifeStage Wealth II, ICICI Pru LifeLink Wealth SP, ICICI Pru Pinnacle Super etc. It is further categorized to childrens plans, retirement plans, health plans.

SBI life insurance

SBI is a joint venture between SBI and BNP paribas widely growing since 2000. It owes Rs 2000 crores of authorized capital and paid up capital of Rs 1000 crores. The latest products of SBI life insurance are SBI smart performer and Unit plus super. Besides these it provides products like protection products, pension products, term insurance.

Reliance life insurance

It is one of the leading financial company ranked among top 3 financial sector banks. The equity share capital is about 26%. It is one of the largest revenue insuerer having revenue of rs 12,199 crore. It has ranked over 500 firms in 2011. The insurance company consists of 4 different category plan—Young & Single, Just Married, Proud Parents and Pre-retirement.

Thursday 1 August 2013

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Friday 12 July 2013

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Term Insurance

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Complete health protection for your family against expensive treatment costs. Get tax benefit.

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Super CashGain Insurance Plan.
A plan that secures your life and gives you a steady flow of income

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Quicklinks

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