Accidental insurance covered

1. Benefits: Death benefit: Provided all due premiums have been paid, the following death benefit shall be paid: On Death during the policy term: Death benefit, defined as sum of Sum Assured on Death and vested Simple Reversionary Bonuses and Final Additional bonus, if any, shall be payable. Where, Sum Assured on Death is defined as higher of 125% of Basic Sum Assured or 10 times of annualised premium. This death benefit shall not be less than 105% of all the premiums paid as on date of death. The premiums mentioned above exclude service tax, extra premium and rider premiums, if any. On death of policyholder at any time after policy term: Basic Sum Assured Benefits payable at the end of Policy Term: Basic Sum Assured, along with vested Simple Reversionary Bonuses and Final Additional Bonus, if any, shall be payable in lump sum on survival to the end of the policy term provided all due premiums have been paid. Participation in Profits: The policy shall participate in profits of the Corporation and shall be entitled to receive Simple Reversionary Bonuses declared as per the experience of the Corporation during policy term provided the policy is in full force. Final (Additional) Bonus may also be declared under the plan in the year when the policy results into death claim during the policy term or due for the survival benefit payment provided the policy is in full force and has run for certain minimum term. 2. Optional Benefit: LIC's Accidental Death and Disability Benefit Rider: LIC's Accidental Death and Disability Benefit Rider is available as an optional rider by payment of additional premium during the policy term. In case of accidental death during the policy term, Accident Benefit Sum Assured will be payable as lumpsum along with the death benefit under the basic plan. In case of accidental permanent disability arising due to accident (within 180 days from the date of accident), an amount equal to the Accident Benefit Sum Assured will be paid in equal monthly installments spread over 10 years and future premiums for Accident Benefit Sum Assured as well as premiums for the portion of Basic Sum Assured which is equal to Accident Benefit Sum Assured under the policy, shall be waived.

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Who can take this insurance? Persons between 18 years and 65 years of age at the time of entry can take this Insurance. Dependent children can be covered from 3 months and up to 25years of age. There is no upper age limit for continuous renewals. This policy is both on Individual basis and on Family Floater basis. Family for the purpose of this policy means self, spouse and dependent children, not exceeding 3 Policy Benefits Section 1: In-patient hospitalization expenses Hospitalization cover protects the insured for in patient hospitalization expenses for a minimum period of 24 hrs. These expenses include room rent (Single Standard A/C room), nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees, Cost of Medicines and Drugs. Ambulance charges for emergency transportation to hospital as per specified limits. Air Ambulance Benefit: Permitted up to 10% of the Sum Insured opted, during one policy period, applicable for sum insured of Rs.7.5 lakhs and above only. Pre hospitalization expenses up to 30 days prior to admission in the hospital Post hospitalization expenses up to 60 days after discharge from the hospital Out-patient consultation (other than dental and ophthal) expenses up to limits mentioned in the table of benefits Coverage for Domiciliary hospitalization for a period exceeding three days. Section 2: Delivery and New Born cover: Expenses for Delivery - including Pre-natal and Post natal expenses up-to the limits specified. A waiting period of 36 months of continuous coverage under this policy with Star will apply. Automatic coverage for the New Born (including internal and external congenital problems) up to the expiry of the current policy (On renewal this new born baby should be covered specifically) Vaccination expenses for the New Born upto Rs./- payable. Section 3: Outpatient Dental, Ophthalmic treatment Dental / Ophthalmic treatments as an out-patient - once in a block of every three years irrespective of whether a claim is made or not. Section 4: Hospital Cash Hospital cash benefit for each completed day of hospitalization. Section 5: Health Check up Cost of Health Check-up once after a block of every three claim-free years Section 6: Bariatric Surgery Expenses incurred on hospitalization for bariatric surgical procedure and its complications thereof are payable subject to a maximum of Rs./- during the policy period. This maximum limit of Rs./- is inclusive of pre-hospitalization and post hospitalization expenses. Claim under this section shall be processed only on cashless basis. Coverage under this section is subject to a waiting period of 36 months and payable only while the policy is in force Section 7: Accidental Death and Permanent Total Disablement Cover against Accidental Death The person chosen by the Proposer at the time of payment of premium as mentioned in the schedule herein is covered for Personal Accident The sum insured for this section is equal to the sum insured opted for the Health insurance. Section 8: Option for Second Medical Opinion The Insured Person is given the facility of obtaining a Second Medical Opinion in electronic mode from a Doctor in the Company's network of Medical Practitioners Medical records can be sent to the mail id Automatic Restoration of Sum Insured (Applicable for Section 1 Only) Upon exhaustion of Basic sum insured and the Bonus, sum insured will be automatically restored by 100% once policy period. Such restored Sum Insured can be utilized only for illness / disease unrelated to the illness / diseases for which claim/s was / were made. Such restoration will be available for section 1 other than Section 1G. Bonus: Following a claim free year bonus at 50% of the basic sum insured (max.100%) would be allowed. Where there is a claim the Bonus would be reversed in the same order in which it was given. Co-Payment: 10% of each and every claim for

Who Can Take This Insurance? Any person between 5 months and 65 years of age at the time of entry can take this insurance. Children can be covered only along with parents. The sum insured under this insurance is per individual member covered. Policy Benefits Hospitalisation Cover: Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs. Ambulance charges for emergency transportation to hospital as per specified limits. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital. Post-hospitalisation paid as lump-sum upto the limit specified. 101 Day-care treatments covered. Non-Allopathic Treatments: Covered up-to specified limits. Pre-Existing Diseases / Illness: Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company. Add-on covers (subject to payment of additional premium) Patient Care: Available for persons above 60 years. Pays for attendant charges after discharge from hospital for maximum 5 days per hospitalisation and 14 days per policy period. Hospital Cash: Hospital cash benefit for each completed day of hospitalization. Policy Term: Policy is available for one year term and two years term. In case of two year policy a discount of 5% on the two year premium paid, available. Family Package: Available for persons from 5 months to 45 years. The sum insured is apportioned equally among insured family members. Health Checkup benefit will be calculated on the policy sum insured and equally divided among all the insured persons. Optional Benefit of New Born Baby cover available under this Plan. Sum Insured: 10% of the mother's sum insured. Premium: 10% of the policy premium. Health Check-up benefits: Cost of Health Check-up once after a block of every four claim-free years. This benefit is available for sum insured of Rs./- and above only. Automatic Restoration of Sum Insured(not appilcable for Family Package) In the event of a claim, during the currency of the policy, if the entire sum insured is exhausted and the policy has not yet expired then the automatic restoration of Sum Insured will operate and the sum insured will be restored to the original amount i.e. 200% only once. This restored sum insured can be utilized, during the remaining policy period, for any other illness / diseases unrelated to the ones for which claim/s has /have been made. HIV Persons Coverage: This policy can be taken by HIV positive persons provided the CD 4 count at the time of entry is above 350 (proof to be produced). However, hospitalization for any opportunistic infections is not covered. Bonus: Bonus calculated at 5% of the basic sum insured for every claim-free year subject to a maximum of 25% is allowable.In the event of the claim the bonus will reduced by 5%. Bonus is not available for Family Package Plan. Pre- Acceptance medical screening Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centers. Cost of screening is currently borne by the company. How much to pay? Mediclassic Insurance policy (Individual)Please click here Top Tax Benefits Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act. Free look period: A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre-acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation.Free look cancellation is not applicabl

Who Can Take This Insurance? Any person between 18 years and 65 years of age can take this insurance for his/her family. Children can be covered from 16th day onwards. This policy can be renewed for the whole life of the Insured Person. This policy is on Floater Basis. The entire sum insured floats among all covered persons.Family for the purpose of this policy means self, spouse and dependant children not exceeding three in number. Special Features of the policy Recharge Benefit: This benefit provides additional indemnity upto specified limits, when the sum insured under the policy is exhausted / exceeded. This can be utilized for any claim payable under the policy. More than 400 Day Care procedures Expenses incurred towards cost of Health Check up Coverage for New born Baby Coverage for Domiciliary hospitalization treatments Donor expenses for organ transplantation Bonus: Bonus in respect of a claim-free year of insurance is allowable upto the limits specified. The bonus so granted will be reduced in the same order in which it was given following a claim. However the Basic sum insured shall not be reduced. Automatic Restoration of Sum Insured: There shall be automatic restoration of the Basic Sum Insured once immediately upon exhaustion of the limit of coverage during the policy period subject to the limits specified. This restored sum insured can be utilized, during the remaining policy period, for any other illness / diseases unrelated to the ones for which claim/s has /have been made. Policy Benefits Hospitalisation Cover Protects the insured for in - patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Anesthesia, Blood, Oxygen, Operation Theatre charges, Cost of Pacemaker, Cost of Medicine and drugs etc. Ambulance charges for emergency transportation upto a sum of Rs.750/- per hospitalization and overall limit of Rs./- per policy period. Pre Hospitalisation expenses upto 60 days prior to admission in the hospital. Post Hospitalisation expenses upto 90 days after discharge from the hospital. Co-Payment: A co-payment of 20% of each and every claim applicable for fresh as well as renewal policies for insured persons whose age at the time of entry is above 60 years. How much to pay: Premium Chart Note: Renewal premium, terms and conditions are subject to change with prior approval from IRDA. Pre-Existing Diseases/Illness: Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company. Pre- Acceptance medical screening: Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centers, Cost of which is currently borne by the Company. Tax Benefits Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act Free look period: A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre-acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal. Star Advantages No Third Party Administrator, direct in-house claim settlement Faster and hassle free claim settlement Network of more than hospitals across India Facility for maintaining personal health records in electronic format

Who Can Take This Insurance? Any person between 60 and 75 years of age at the time of entry can take this insurance. The sum insured under this insurance is per individual member covered. Policy Benefits Hospitalisation Cover Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs upto the limits specified. Ambulance charges for emergency transportation to hospital as per specified limits. Post-hospitalisation paid as lump-sum upto the limit specified. Specific day-care procedures covered. Sub-limits applicable for specified illness. Co-Payment: 30% for other than claims for Pre-Existing Diseases and 50% for Pre-Existing Diseases claims. Pre-Existing Diseases / Illness: Are covered after 12months of continuous Insurance with any Indian Insurance Company where the person has been availing treatment for the diseases. Pre- Acceptance medical screening: There is no pre-acceptance medical screening. How much to pay? Please click here Tax Benefits Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act. Free look period: A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre-acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation.Free look cancellation is not applicable at the time of renewal. Top Star Advantages No Third Party Administrator - direct in - house claims settlement. Faster & hassle-free claim settlement. Cashless hospitalization. Network of more than hospitals across India. Free expert medical consultation over phone 24 x 7 Toll Free Helpline.

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Health Insurance: This insurance is like a life insurance, it secure your life through any type of diseases and accidental problems. It’s very vital for your life because if your health is not perfect you are nothing. Don’t forget “Health is Wealth”.

Times Global Insurance is India's largest iPhone, Smartphone and laptop Insurance company. Screen Damage, Water Damage, Motherboard Damage, iTune Error or theft/ stolen, all is covered. Buy insurance from Times Global Insurance website. Buy insurance of iPhone X, iPhone 8 plus, iPhone 7 Plus, iPhone 6S, iPhone 6, iPhone 5s, iPhone SE. Samsung S8 Plus, S7 Edge or Note 8. Google Pixel XL or Blackberry or Sony Xperia. Oppo f1 or Vivo mobiles. Service in Delhi, mumbai Kolkata, chennai, bangalore, Ahmedabad, hyderabad, bhopal, indore, baroda, patna, lucknow, gurgaon, faridabad, noida, chandigarh and all major cities.

Special Features of the policy Recharge Benefit: This benefit provides additional indemnity upto specified limits, when the sum insured under the policy is exhausted / exceeded. This can be utilized for any claim payable under the policy. More than 400 Day Care procedures Expenses incurred towards cost of Health Check up Coverage for New born Baby Coverage for Domiciliary hospitalization treatments Donor expenses for organ transplantation Bonus: Bonus in respect of a claim-free year of insurance is allowable upto the limits specified. The bonus so granted will be reduced in the same order in which it was given following a claim. However the Basic sum insured shall not be reduced. Automatic Restoration of Sum Insured: There shall be automatic restoration of the Basic Sum Insured once immediately upon exhaustion of the limit of coverage during the policy period subject to the limits specified. This restored sum insured can be utilized, during the remaining policy period, for any other illness / diseases unrelated to the ones for which claim/s has /have been made. Policy Benefits Hospitalisation Cover Protects the insured for in - patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Anesthesia, Blood, Oxygen, Operation Theatre charges, Cost of Pacemaker, Cost of Medicine and drugs etc. Ambulance charges for emergency transportation upto a sum of Rs.750/- per hospitalization and overall limit of Rs./- per policy period. Pre Hospitalisation expenses upto 60 days prior to admission in the hospital. Post Hospitalisation expenses upto 90 days after discharge from the hospital. Co-Payment: A co-payment of 20% of each and every claim applicable for fresh as well as renewal policies for insured persons whose age at the time of entry is above 60 years. How much to pay: Premium Chart Note: Renewal premium, terms and conditions are subject to change with prior approval from IRDA. Pre-Existing Diseases/Illness: Are covered after 48 months of continuous Insurance without break with any Indian Insurance Company. Pre- Acceptance medical screening: Persons above 50 years will be required to undergo pre-acceptance medical screening at the Company nominated centers, Cost of which is currently borne by the Company. Tax Benefits Amount paid by any mode other than by cash for this insurance is eligible for relief under Section 80D of the Income Tax Act Free look period: A free look period of 15 days from the date of receipt of the policy is available for reviewing the policy terms and conditions. In case insured is not satisfied he can seek cancellation of the policy and in such event the Company will allow refund of premium after adjusting the cost of pre-acceptance of medical screening, stamp duty charges and proportionate risk premium for the period concerned provided no claim has been made until such cancellation. Free look cancellation is not applicable at the time of renewal. Star Advantages No Third Party Administrator, direct in-house claim settlement Faster and hassle free claim settlement Network of more than hospitals across India Facility for maintaining personal health records in electronic format

A car insurance claim is a formal request made by a policyholder to their insurance company to seek financial compensation or coverage for losses or damages incurred due to an accident, theft, or other covered events involving their vehicle. This claim process is a fundamental aspect of car insurance policies. For more visit.. https://www.assuredesk.com/insurance-consultancy/insurance-claims

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Health insurance Details Here is some benefits of our Health Insurance policy "Heartbeat" & " Health Companion " 1. All day care procedures covered.(Less than of 24 Hrs hospitalization cover)2. No T P A (Third Party administration).3. Assured renewability for life.4. Domiciliary treatment cover.5. Free Health Check up to all insured person.6. No limit of numbers of claims.7. Relationship manager visit at the time of hospitalization.8. Cash less benefit over network hospitals.9. No age limit for enrollment.10. Health relationship program (10% of premium every year at the time of renewal of the policy) days pre and 60 days post hospitalization cover.12) Organ transplant, ambulance charge cover.13. Critical illness cover14 No Loading charges on premium.15 No sub limits for Surgical operations, including pre post operative care, Nursing, Drugs, Surgical dressing, Physician fees, Operation theatre and intensive care unit(ICU), Diagnostic tests, Prosthetic implants, Organ transplant.16.Free Look period time(15 Days).17 Tax benefits U.S. 80 D