LIFE INSURANCE
A life insurance policy is an agreement between a policyholder and an insurance company. The insurance company promises to pay a certain amount in the unfortunate event of the insured person’s demise during the policy terms in exchange for the insured’s premium. Investment in Life Insurance is eligible for a tax deduction of up to ₹ 1.5 lakh under section 80C of the Income Tax Act, 1961.
- Accidental Death Benefit
If the cause of death is an accident, the nominee gets an additional sum assured. This rider is very affordable and increases total coverage in case of death significantly. - Accidental Disability Benefit
The policyholder gets the benefits of this rider if he is partially or permanently disabled because of an accident during the policy period.
- Critical Illness Benefit
With this rider, the insured person receives a lump sum amount if diagnosed with any pre-specified critical illnesses in the policy. - Waiver of Premium
With this rider, the policy remains active without paying future premiums in pre-specified conditions like critical illness or disability.
HEALTH INSURANCE
A health insurance policy pays the medical care bills on your behalf and provides cashless treatment in any network hospital. Almost all health insurance covers COVID treatment as per IRDAI guidelines.
- Medical Bills
Covers medicinal expenses, including pre and post hospitalisation expenses. - Claim Reimbursement
Provides cashless treatment in the network hospitals and reimbursement of expenses in other hospitals.
- Pre-existing Diseases
Certain pre-existing diseases are covered after a certain waiting period. - Tax Rebate
Premium paid for health insurance is eligible for tax deduction under section 80D of the Income Tax Act.
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