As per IRDA records only 27% people have Health Insurance Policy in India. Out of 72% middle class families, almost 90% families dont have any Health Insurance or any Mediclaim policy. These middle class families face crucial financial crunch at the time of any majour disease detect.

There are lots of Health Insurances and Mediclaim Policies available in Indian Financial Market. Most of people purchase it as per sales person or according to friends suggestion. As a result people gets harassed when they need claim in hospitals or any emergencies. After our vast experience, and at ground level actual claim reimbursement, we only advise (not sell) you proper Health Insurance Policy as per your age, financial needs and your risk taking capacity.

Accidental Insurance

Accident insurance is a type of General Insurance that pays out a lump sum if you incur specific kinds of injury as a result of an accident. It covers Dislocation, Laceration, Concussion, Fracture, Eye injury, Burn, Dental damage, Accidental death and dismemberment.

Two wheeler Insurance, Car Insurance, Travel Insurance, Home Insurance is also type of General Insurace.

Why should accidental insurance necessary ?
In a country like India, where the population is on a constant boom, the number of vehicles plying on the road is also facing an alarming increase which has led to a lot of traffic and has become the prime reason for alarming rise in the number of accidents. You should buy a personal accident policy because it plugs an important hole in your insurance portfolio. Personal accident insurance is a policy that can reimburse your medical costs, provide compensation in case of disability or death caused by accidents. A personal accident plan also compensates for loss of income due to accident, permanent complete disability or permanent partial disability. Further, an accidental cover needs to be supplemented with term cover, so that one covers life risk, when death occurs due to causes other than an accident. If one does not have sufficient term insurance, then you should need to increase the amount of accidental cover.

Every accident may not lead to death. Some may end up in permanent or partial disability. The figures indicate that the cases of death due to accident in 2010 were lesser (1.3 lakh cases) than cases of serious injuries and amputation of limb (over 5 lakh).

There are so many accidental insurances in market. like HDFC Ergo General Insurance, Bharti AXA Smart Individual Personal Accident, Apollo Munich Individual Personal Accident Standard, ICICI Lombard Personal Protect, United India Personal Accident Insurance, Oriental Janata Personal Accident Policy, Star Health Accident Care Individual Insurance, National Insurance Individual Personal Accident Policy, Bajaj Allianz Premium Personal Guard Plan, Religare Secure Personal Accident Insurance, Reliance Personal Accident Policy, New India Personal Accident Policy etc.

We are tracking most of major Accidental insurance plan. After considering all aspect of you like as per your requirement, your age, your responsibilities, type of plan, after your financial risk calculations, policy premium, Policy Coverage terms, Benefits, Add-on terms, Process of a claim, Waiting period on pre-existing disease exclusions, & suitable for you, we suggest right personal accident plan to you for your secured future life.

Charges - We advice right Accidental Insurance Plan at Rs. 1000 only, Video calling advisory is also available in this.

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Child's Insurance Plan

Child's Insurance is a type of Life Insurance. A child education plan is a policy designed specifically to meet your child’s future needs. It is a combination of savings and insurance. New generation child plans also include Unit Linked Insurance Plans which provide an option to create wealth as well. The primary purpose of a child education plan is to provide financial security to your child so that their education in not hindered in any way in case of your absence or unfortunate demise. Thus, it is important to have a child plan. Mentioned below is a list of the best child plans in India.

Importance of Child Plan
Secures the future of the child, There is no burden of paying the premium if the insured dies/Waiver of premium, Disciplined Savings, The plan can be customized with riders, The plan helps in saving taxes too, Right time to buy a child plan, Creating a corpus, Critically Chosen Maturity Date

There are so many child education plan. like Child Unit Linked Insurance Plans (ULIP), Traditional Endowment Plans, HDFC Life Youngstar Udaan, ICICI Prudential Smart Kid Plan, Max Life Shiksha Plus Super, Bajaj Allianz Young Assure etc.

Benefits of Child Insurance Plans
Flexible disbursing of funds on maturity or death.
Premium waivers in case of demise of insured within premium collection period.
Secured loans are widely available against child insurance plans.
Tax benefits under various sections of Income Tax Act.
You may select either ULIP or endowment plan.
Flexible periodic premium payment options.
Funds available on demise of the insured before maturity, and/or if the policy has reached maturity.

We are tracking most of major child education plan. After considering all aspect of you like as per your requirement, your age, your responsibilities, type of plan, after your financial risk calculations, policy premium, Policy Coverage terms, Maturity,Benefits, Segmented pay-outs, Sum assured, Premium Waiver Benefit, Riders, Partial Withdrawal Clause, Choice of Funds, & suitable for you, we suggest right child education plan to you for your secured future life.

Charges - We advice right Child's Insurance Plan at Rs. 1000 only, Video calling advisory is also available in this.

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Endowment plan

Endowment plan is a life insurance policy which provides you with a combination of both i.e.: an insurance cover, as well as an savings plan. It helps you in saving regularly over a specific period of time, so that you are able to get a lump sum amount on policymaturity, if the policyholder survives the policy term. An endowment policy is a life insurance contract designed to pay a lump sum after a specific term or on death. Typical maturities are ten, fifteen or twenty years up to a certain age limit. Some policies also pay out in the case of critical illness. Policies are typically traditional with-profits or unit-linked

There are so many Endowment plan in market like LIC JeevanAnand, LIC New Endowment policy, HDFC Life Sampoorn Samridhi Plus, Kotak Classic Endowment Policy, PNB MetLife Endowment Savings Plan Plus, Reliance Nippon Life Super Endowment Plan, Bajaj Allianz Save Assure Plan, SBI Life Smart Bachat etc.

Benefits of Endowment Plans
Tax Benefits under the Section 80C and Section 10(10D)
Death along with Survival benefits
Long-term savings with Higher returns
Premium payment frequency
Flexibility in Cover
Low Risk.
Additional Bonuses
Riders available like Critical Illnes, Disability, Waiver of premium, Hospital Cash Benefit.
Lump sum payout

There are 8 to 9 major types of Endowment policies in Indian market. i.e. Pure endowment, Ordinary endowment, Joint life endowment, Double endowment, Fixed term endowment, Education annuity plan, Money back plan, Marriage endowment policy. We are tracking most of major Endowment plans. People generally look only in LIC & 90% people have plan wrong sum assured, but we track all major companies endowment plan. After considering all aspect of you like as per your requirement & we are helping to decide right sum assured as per your age, your responsibilities, type of plan, after your financial risk calculations, policy premium, Policy Coverage terms, Maturity, Benefits, Sum assured, Premium Waiver Benefit, Select a plan that offers riders, Review flexibility option, Guaranteed and Non-Guaranteed returns, Bonuses, Partial Withdrawal Clause, suitable for you, we suggest right endowment plan to you & your family for secured future life.

Charges - We advice right Endowment Plan at Rs. 1000 only, Video calling advisory is also available in this.

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Health/Mediclaim Insurance plan

Health/Mediclaim insurance is a type of insurance that fully or partially covers an individual's medical and surgical expenses. It's an agreement between you and your insurance company, where for an annual premium, the insurer pays for your hospitalization and other medical expenses as mentioned in your policy. According to NSSO survey only 16% Indians have covered with health Insurance and 84% are not covered still.

Why Health/Mediclaim insurance policy essential for everyone?
Life is uncertain and health issues may occur anytime, thereby creating a financial burden for the insured’s family to arrange for finances at short notice or no notice at all
Keeps you financially prepared well in advance, despite rising expenses of medical treatments and hospitalization
Offers financial protection against most expenditures associated with health and medical treatments
Cashless facility offered by insurance companies at their network hospitals enables the insured to overcome the hassles of making payments at the time of hospitalization
The insured can focus on speedy recovery, while the insurance company takes care of the incurred expenses
Mainly 2-3 types of health insurance i.e. Indemnity Plan & Fix Benefit Plan. There are so many Health/Mediclaim plan in market like Star Health and Allied Insurance - Senior Citizen Red Carpet Plan, LIC Jeevan Arogya, HDFC Ergo- Health Suraksha - Gold/Silver, Royal Sundaram Health Insurance- Lifeline Classic/Supreme/Elite, Religare Health Insurance - Care/Freedom/ Joy/Enhance, Iffco Tokio General Insurance- Swasthya Kawach, Bharti AXA General Insurance- Smart Health Basic/optimum/Premium, New India Assurance Health Insurance- Family Floater etc.

Benefits of Health/Mediclaim Insurance
Secure Health and Finances , Cashless Treatment, Tax Benefits, Vaccinations, OPD Expense Coverage, Check-ups, Ambulance Cover, Pre-hospitalization expenditures, Post-hospitalization expenditures, Alternate Treatment Coverage, AYUSH Treatment, Hospital Cash, Critical Illnesses, Emergency Evacuation, Expenses for Organ Donation

We are tracking most of Health/Mediclaim insurance plan. After considering all aspect of you like as per your requirement & we are helping to decide Health/Mediclaim insurance plan as per your age, your responsibilities, type of plan, after your financial risk calculations, policy premium, Policy Coverage terms, Cashless facility, Premium Waiver Benefit, Select a plan that offers riders, Review flexibility option, claim settelment results, suitable for you, we suggest right Health/Mediclaim insurance plan to you & your family for secured future life.

Charges - We advice right Health Insurance Plan at Rs. 1000 only, Video calling advisory is also available in this.

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Money Back Insurance

Money back plan simply means that money comes back to the life insured after a specific interval of time as survival benefit. The money back is guaranteed on the survival of the policyholder. However, in case of death of the policyholder, the nominee gets the sum assured and accrued bonuses, if any. The money-back policy from LIC is a popular insurance policy. It provides life coverage during the term of the policy and the maturity benefits are paid in installments by way of survival benefits in every 5 years. The plan is available with 20 years and 25 years term.

Why you should invest in Money back Insurance?
Most of us want to invest in a traditional life insurance policy for a long tenure to create a guaranteed corpus. However, we face a problem when we need funds before the tenure is over. A financial crisis might strike anytime and we need funds to tackle it. But a traditional life insurance policy comes to no help if the plan tenure is not over. A money-back plan solves the problem of liquidity during the plan tenure by paying a percentage of the Sum Assured regularly through the plan tenure. Let's understand the plan in detail.

There are so many Money back plan in market. like LIC Money Back Policy-20 years, LIC Money Back policy for children, Bajaj Allianz cash Assure, SBI Life Money Back Gold, Aegon Life Regular Money Back Insurance Plan, Reliance Super Money Back Plan, Canara HSBC OBC Smart Stage Money Back plan etc.

We are tracking most of major Money back plan. After considering all aspect of you like as per your requirement, your age, your responsibilities, type of plan, after your financial risk calculations, policy premium, Policy Coverage terms, Benefits, Add-on terms, Process of a claim, Partial payment intervals suitable for you, we suggest right Money back plan to achieve your financial goal as well as secured your life.

Charges - We advice right Money Back Plan at Rs. 1000 only, Video calling advisory is also available in this.

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Term Insurance

Term Insurance plans are typically affordable insurance plans that provide full protection and financial stability to your loved ones in case of any unforeseen events. In case of death of the insured individual during the policy term, the death benefit is paid by the company to the beneficiary. Term insurance provides comprehensive financial coverage against premiums paid for a limited period to the beneficiary of the policy, this coverage is paid as death benefit upon the demise of insured during the policy term.

Why is Term Insurance Plan Necessary?
Life is too unpredictable and uncertainties. The death of a loved family member is painful, especially if he is the breadwinner of the family; it can be even more traumatic, which can cause an emotional and financial turmoil in the family. To make sure your family does not suffer any financial hardships in your absence, you must have a term insurance plan. Term insurance provides financial support to your family in case of your untimely death. After your death to find financial solutions for these problems, term insurance plays a vital role in your life. Moreover, term plans are an excellent way to build a financial safety net and are the simplest and most affordable type of term life insurance. It will help your family to settle your loans and pay-off certain requirements in your absence. The death benefits are paid to the beneficiary or the nominee only upon the insured's death. Therefore, in simple words, the death benefits are zero if the insured dies after the policy is expired.

There are so many Term Insurance plans in market with Riders like Accidental Death Benefit Rider, Accidental Total and Permanent Disability Rider, Critical Illness Rider, Waiver of Premium, Accelerated Death Benefit Rider, Hospital Cash Rider & various type of plans like LIC’s Anmol Jeevan II, Aviva i life Total Term Plan, Edelweiss Tokio Life Totalsecure Plus Term Plan, Canara HSBC OBC iselect term plan, PNB Metlife Mera Term Plan, Aegon life iterm plan etc.

We are tracking most of major Term Insurance plans. People generally look only in LIC & 90% people have plan wrong sum assured, but we track all major companies Term Insurance plans. After considering all aspect of you like as per your requirement & we are helping to decide right sum assured as per your age, your responsibilities, type of plan, after your financial risk calculations, policy premium, Policy Coverage terms, Maturity, Benefits, Premium Waiver Benefit, Review flexibility option, Guaranteed and Non-Guaranteed returns, Bonuses, Partial Withdrawal Clause, suitable for you, we suggest right Term Insurance plans to you & your family for secured future life.

Charges - We advice right Term Insurance Plan at Rs. 1000 only, Video calling advisory is also available in this.

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Unit Linked Insurance Plan

Unit Linked Insurance Plan (ULIP) is a insurance companies product that offers integrated plan that gives investors both insurance and investment. Risk cover for the insured together with investment options to invest in some qualified investments like mutual funds, bonds, and stocks. Another factor that you need to consider is your future need for funds. Various insurance companies offers a variety of unit-linked insurance products to suit your goals be it for your retirement planning, for your health, for your child's education and marriage or for investment purposes.

There are so many Unit Linked Insurance Plan (ULIP) in market. like PNB Metlife Smart Platinum, SBI Life Wealth Assure, Bajaj Allianz Future Gain, MAX Life Fast Track Growth Fund, HDFC Life Pro Growth Plus etc.

We are tracking most of major ULIP plan. After considering all aspect of you like as per your requirement, your age, your responsibilities, type of plan, after your financial risk calculations, policy premium, Policy Coverage terms, Benefits, Add-on terms, Process of a claim, Partial payment intervals suitable for you, we suggest right ULIP to achieve your financial goal like retirement planning, child's education and marriage, for your health & investment purposes.

Charges - We advice right ULIP Plan at Rs. 1000 only, Video calling advisory is also available in this.

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