We are not selling any life or health insurance products or policy. also Not recommending any company.
Recommendation after risk profile assessment.
Life insurance planing for financial protection for your family and others, many benefits (saving, tax planing, long term financial goal achievements) Life insurance planing will help make habits of saving. Through life insurance policy you can claim a tax benefit under section (80C) of the income tax and the maturity benefit from life insurance policy are tax free under sec 10(10D).
What you Get?
While deciding the sum assured, it is important to remember that the objective of insurance is to provide financial support to your family and/or dependents, in case you (as the primary breadwinner) are no more, or are unable to earn because of a permanent disability or illness. The life cover you decide on should be adequate to help your family maintain the standard of living you would have provided for them always. You should keep the following things in mind as you go about the calculations: Your current annual income Your current and future financial liabilities Your financial goals Your age at the time of policy purchase & number of working years left Number of dependent family members & their expenses
The best health insurance policy depends on your specific needs. There are a few important factors that one must look at while choosing a health insurance plan-
Payout mechanism - Whether payout happens on diagnosis, or on actual hospitalization
Claim Process - Claim process should be simple, fast and efficient involving minimum discomfort to policyholder/family
Waiting Period - The best plans will have minimal waiting period before you can claim for a pre-existing cover
Adequate cover - With health costs on the rise, the best health plans will give maximum cover at an affordable cost
Pre/post hospitalization benefit - Some health plans have limits related for pre and post hospitalization expenses and so you must be aware of them before buying.