Available Insurance Services
HEALTH INSURANCE
Health insurance is a contract between an individual and an insurance company that provides financial coverage for medical expenses. Policyholders pay regular premiums in exchange for benefits, which can include doctor visits, hospital stays, preventive care, and prescription medications. Health insurance helps mitigate the costs of healthcare, making it more accessible and manageable for individuals and families. Different plans have varying levels of coverage, deductibles, copayments, and provider networks.
​​​​TATA (AIG) INSURANCE & STAR HEALTH
ACCIDENTAL GUARD INSURANCE
Accidental guard insurance typically provides coverage for unintentional injuries or accidents that result in physical harm or financial loss. This type of insurance may cover medical expenses, loss of income, and other related costs stemming from an accident. It's designed to offer financial protection and peace of mind for individuals who may be at risk of accidental injuries in their daily lives or specific activities. Always review the policy details for coverage limits, exclusions, and specific terms before purchasing.
TATA (AIG) ACCIDENTAL GUARD INSURANCE
MOTOR INSURANCE
Motor insurance, also known as car insurance or auto insurance, is a type of insurance policy designed to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents involving the insured vehicle.
​Key Components:
1. Liability Coverage
2. Collision Coverage
3. Comprehensive Coverage
4. Personal Injury Protection (PIP)
5.Uninsured/Underinsured Motorist Coverage
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TATA (AIG) MOTOR INSURANCE​
GROUP INSURANCE
Group insurance is a type of insurance policy that covers a group of individuals, often members of the same organization, such as employees of a company, members of a professional association, or members of a labour union. The key features ofgroup insurance include:
1. Cost-Effectiveness
2. Eligibility
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3. Types of Coverage
4. Employer Contributions
5. Renewal and Portability
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TATA (AIG) GROUP INSURANCE
TRAVEL INSURANCE
Travel insurance is a type of insurance policy that provides coverage for various travel-related risks. It typically includes protection against trip cancellations, medical emergencies, lost luggage, and travel delays. Depending on the policy, it may also cover emergency medical expenses, evacuation, and specific travel-related incidents. Purchasing travel insurance is advisable for travelers to mitigate financial losses and ensure peace of mind during their trips. Make sure to read the policy details to understand coverage limits, exclusions, and claims procedures.
​TATA (AIG) TRAVEL INSURANCE
HOME INSURANCE
Home insurance, often referred to as homeowner's insurance, is a type of property insurance that provides financial protection against certain risks to your home. It typically covers:
1. Dwelling Coverage
2. Personal Property
3. Liability Protection
4. Additional Living Expenses
Policies can vary widely, so it's essential to review coverage options, exclusions, and limits.
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TATA (AIG) HOME INSURANCE
FIRE INSURANCE
Fire insurance is a policy designed to protect property owners from financial loss due to fire damage. It covers the cost of repairing or rebuilding structures, replacing personal property, and may include additional living expenses if the home is uninhabitable. Policies typically have specific terms regarding coverage limits, exclusions, and requirements for maintaining safety measures. It's essential for property owners to understand their policy details to ensure adequate protection against fire-related incidents.
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TATA (AIG) FIRE INSURANCE
CARGO AND MARINE LINES
Cargo and marine lines provide shipping services for transporting goods over water. Cargo Lines focus on various cargo types, including dry bulk, liquid bulk, and containerized shipments, ensuring efficient logistics for delivery. Marine Lines encompass broader maritime operations, including cargo handling and regulatory compliance, crucial for global trade. Together, they ensure safe and efficient ocean transport of goods.
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TATA (AIG) CARGO AND MARINE LINES INSURANCE
FINANCIAL CREDIT LINES
Financial credit lines, often referred to as lines of credit, are flexible borrowing options offered by financial institutions that allow individuals or businesses to access funds up to a predetermined limit. Here are some key points about credit lines:
Types of Credit Lines
1. Personal Lines of Credit
2. Home Equity Lines of Credit (HELOC)
3. Business Lines of Credit
4. Revolving Credit
5. Non-Revolving Credit
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​​TATA (AIG) FINANCIAL CREDIT LINES
COMMERCIAL VEHICLES
Get ready to protect your business with commercial vehicle insurance! This coverage shields your trucks and vans from liabilities, property damage, collisions, comprehensive damage, and cargo loss. With this insurance, you can minimize financial setbacks from accidents, theft, or. Plus, enjoy rates that cater to your vehicle type, usage, driving history, and coverage choices. Choose TATA (AIG) Vehicle Insurance and drive with confidence!
TATA (AIG) COMMERCIAL VEHICLES
COMMERCIAL LINES
"Commercial lines" refers to the insurance policies that businesses and organizations purchase to protect against risks related to their operations. These policies can cover various aspects, including:
1. General Liability Insurance
2. Property Insurance
3. Workers' Compensation
4. Commercial Auto Insurance
5. Professional Liability Insurance
6. Cyber Liability Insurance
The main goal of commercial lines insurance is to safeguard businesses from financial losses associated with unforeseen events.
TATA (AIG) COMMERCIAL LINES
ELDER CARE
lder care insurance, or long-term care insurance, covers costs for nursing homes and in-home care, relieving families from financial strain since these expenses aren't usually covered by insurance or Medicare. Key features include personalized coverage for daily activities, customizable policies, eligibility based on daily living challenges, variable premiums, and proactive planning for future care needs. It ultimately offers peace of mind for families as they age.
TATA (AIG) ELDER CARE INSURANCE
CRITI MEDI CARE INSURANCE
CRITI Medi Care Insurance is a health insurance plan that covers medical expenses such as hospital stays, surgeries, doctor, and emergency care. It's important to review the terms, coverage limits, exclusions, and premiums for a full understanding of the benefits. For detailed information, visit their website or contact customer service.
​TATA (AIG) CRITI MEDICARE INSURANCE
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WOMEN CARE
Care Insurance provides tailored coverage for women's health, including maternity care, reproductive health, preventive services, chronic conditions, mental health support, and wellness programs. Review policy details to understand coverage limits and.
STAR HEALTH INSURANCE
MEDICARE PREMIER
Medicare Premier Insurance refers to comprehensive plans that provide additional benefits beyond standard Medicare, such vision, dental, and prescription drug coverage. Offered by private insurers, these include Medicare Advantage and Medigap plans. Beneficiaries should compare options, coverage, and costs to find the best fit for their healthcare needs. Always check with the provider for the latest information.
TATA (AIG) MEDICARE PREMIER
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DIABETIC CARE
Diabetic care insurance is a specialized plan covering expenses for diabetes management, including medications, medical supplies, routine check-ups, education, and emergency care. It helps relieve the financial burden and improve health outcomes. Always compare plans for the best coverage.
STAR HEALTH INSURANCE
SUPER CHARGE 5X
"TATA AIG Supercharge 5X" is an insurance product that likely offers five times the basic sum assured, providing comprehensive coverage. It may be a term plan with substantial payouts for beneficiaries, optional add-on benefits, and tax advantages under Indian tax laws. Flexible premium payment options and online management are also common features, along with a streamlined claims process and potential wellness programs.
TATA (AIG) SUPERCHARGE 5X
CARDIO CARE
Cardio Care Insurance is a specialized health plan covering cardiovascular conditions including heart disease. It offers financial protection for hospital stays, surgeries, outpatient care, preventive screenings, medications, and. Always check policy details for specific coverage and costs.
STAR HEALTH INSURANCE
MEDI CLASSIC INSURANCE
Medi Classic Insurance: Offers diverse health plans for individuals and families, covering hospitalization and medical expenses.
Star Health Insurance: A top provider in India with individual, family floater, senior, and critical illness plans, featuring cashless hospitalization and coverage for pre conditions after a waiting period.
STAR HEALTH GAIN INSURANCE POLICY
This plan offers a wide range of coverage options with different sum insured levels. It covers hospitalization expenses, day care procedures, and provides a health check-up benefit.
COMPREHENSIVE
Star Health Comprehensive Insurance provides extensive medical coverage, including hospitalization, surgeries, and pre/post-hospitalization costs. Key features include cashless treatments, coverage for daycare procedures, no-claim bonuses, and lifelong renewability. It may also cover domiciliary hospitalization with various sum insured options. Always review policy details for complete information.
STAR SUPER SURPLUS INSURANCE POLICY
This plan provides additional coverage over and above the existing health insurance coverage. It offers a high sum insured at an affordable premium and covers expenses exceeding the threshold limit.
STAR FAMILY HEALTH OPTIMA
This plan provides comprehensive coverage for the entire family under a single policy. It offers benefits such as in-patient hospitalization, pre and post-hospitalization expenses, day care treatments, and maternity benefits.
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STAR CRITICARE PLUS INSURANCE POLICY
This plan provides coverage for critical illnesses such as cancer, heart attack, stroke, and organ transplant. It offers a lump sum benefit upon diagnosis of a covered critical illness.
MICRO PLANS
LIC Micro Insurance Plans provide affordable life insurance for low-income individuals. Key features include:1. Affordable Premium: Cost-effective for wider accessibility.2. Low Sum Assured: Coverage lower compared to traditional policies.3. Simplified Process: Quick and easy application.4. Flexibility: Options for additional benefits may be available.Table Number: 751 - Micro Bachat.
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ENDOWMENT PLAN
An endowment plan is a life insurance policy that combines coverage with savings, paying a lump sum maturity or upon death. Key features include:
1. Dual Benefit: Insurance and savings.
2. Maturity Benefit Guaranteed sum plus bonuses for surviving the term.
3. Death Benefit: Beneficiaries receive the assured sum and bonuses if the policyholder dies.
4. Fixed Premiums: Regular payments for a set period.
5. Long-Term Investment: Ideal for goals like education and retirement.
LIC Endowment Plans include:
- Table 714: New Endowment
- Table 715: New Jeevan Anand
- Table 733: Jeevan Lakshya
- Table 736: Jeevan Labh
- Table 760: Bima Jyoti
MONEYBACK PLANS
LIC Money Back Plans combine life insurance with regular cash returns. Key features include:1. **Survival Benefit**: Policyholders receive a percentage of the Sum Assured at intervals.2. **Death Benefit**: Nominees get the full Sum Assured plus bonuses if the policyholder passes away.3. **Maturity Benefit**: Surviving policyholders receive the remaining Sum Assured and bonuses at maturity.4. **Flexible Premiums** Options for regular, limited, or single premium payments.5. **Loan Facility**: Loans can be taken against the policy after a specified period.6. **Tax Benefits**: Premiums and benefits may qualify for tax deductions.7. **Customizable Options**: Additional riders are for enhanced coverage.**LIC Money Back Plans - Table Number 720 - New Money Back (20 Years)**
CHILDREN PLANS
Insurance plans provide financial security for a child's future, including:
1. **Child Education Plans**: Save for education with a lump-sum payout.
2. **Child Health Insurance**: Covers children's medical expenses.
3. **Endowment Plans**: Combines life insurance with savings for payouts at certain times.
4. **Term Life Insurance**: Secures funds for children in unforeseen events.
5. **Accidental Death and Disability Insurance**: Offers benefits for accidents.
Evaluate coverage, premiums, and financial goals, and consult an insurance advisor for personalized options.
**LIC New Children Plans**:
- Table No. 734 - Jeevan Tarun
- Table No. 774 - Amrit Baal
TERM PLAN
LIC's term insurance provides life coverage, ensuring financial protection for beneficiaries upon the policyholder's death. Key features include:
1. Death benefit paid to the nominee during the policy term.
2. Lower premiums due to no savings component.
3. Policy terms of 10 to 30 years.
4. Flexible coverage amounts and premium payment options.
5. Additional riders for enhanced benefits.
6. Tax deductions under Section 80C, plus tax-free death benefits.
LIC's term plans are a cost-effective option for financial security. Latest plans include New Jeevan Amar (Table No. 955) and Yuva Term (Table No. 875).
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WHOLELIFE PLAN
Whole life insurance offers lifelong coverage with premium payments, including a death benefit and cash value that grows at a guaranteed rate. Policyholders can access the cash value, potentially impacting the death benefit. Though premiums are higher term life insurance, it provides lifelong protection and dividends, making it ideal for estate planning and wealth accumulation.
LIC LATESTLE LIFE PLANS:
TABLE NUMBER 745 - JEEVAN UMANG
TABLE NUMBER 857 - JEEVAN UTSAV
PENSION PLAN
Pension plan insurance protects retirees' benefits and funds through various means:
1. PBGC: A U.S. federal agency that insures defined benefit pension plans, ensuring retirees receive benefits even if companies fail.
2. Private Pension Insurance: Some insurers cover pension plan risks, securing expected retirement income.
3. Annuities: Used by pension plans to guarantee income during retirement.
Overall, it enhances the security of retirement income for individuals.
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LIC PENSION PLANS:
- TABLE NUMBER 758: JEEVAN SHANTI PLAN
TABLE NUMBER 857: JEEVAN AKSHAY VII
HDFC LIFE -PROTECTION PLAN
1. Click 2 Protect Super
Short Description: A comprehensive term insurance plan offering customizable coverage.
Description: Click 2 Protect Super provides financial protection to your loved ones in the event of your untimely demise. The plan offers various options to suit individual needs and allows for the addition of riders for enhanced protection.
Benefits:
Flexibility in premium payment terms.
Multiple cover options (Income, Lump sum, etc.).
Option to enhance coverage with riders (e.g., critical illness).
Tax benefits under Section 80C and 10(10D) of the Income Tax Act.
2. Sanchay Legacy
Short Description: A unique plan that combines protection and savings.
Description: Sanchay Legacy offers life insurance coverage along with guaranteed returns. It aims to provide financial security for your family while building a corpus for the future.
Benefits:
Guaranteed maturity benefits.
Death benefit to ensure financial security for dependents.
Flexibility in premium payment terms.
Tax benefits available.
HDFC LIFE SAVINGS PLAN
1. Sanchay Par Advantage
Short Description: A combination of guaranteed returns and periodic income options.
Description: This savings plan ensures that policyholders receive regular income while also accumulating wealth through guaranteed returns.
Benefits:
Guaranteed cash flows at regular intervals.
Maturity benefits to secure your future.
Flexibility in premium payments.
2. Click 2 Achieve
Short Description: A savings plan focused on wealth creation and financial goals.
Description: Click 2 Achieve allows customers to plan for their future financial goals with a savings-oriented strategy while providing life insurance coverage.
Benefits:
Customizable premium payment options.
Potential wealth growth through bonuses.
Tax benefits.
3. Guaranteed Wealth Plus
Short Description: A wealth accumulation plan with guaranteed returns.
Description: This plan focuses on creating a financial corpus with assured returns, helping policyholders achieve financial stability.
Benefits:
Guaranteed sum assured at maturity.
Loyalty additions and bonuses.
Flexibility in premium payments.
4. Sampoorna Jeevan
Short Description: A traditional savings plan offering life cover and investment.
Description: Sampoorna Jeevan provides life coverage along with savings components that assist in achieving long-term financial goals.
Benefits:
Death benefit for dependents.
Maturity benefit based on premiums paid.
Tax benefits.
SINGLE PREMIUM PLAN
LIC's Single Premium Plan allows for a one-time payment for life insurance coverage, with potential additional benefits like maturity payouts and investment opportunities.
**Key Features:**
1. **One-time:** Ideal for those preferring a single installment.
2. **Life Coverage:** Death benefit for the nominee.
3. **Maturity Benefit:** Possible payouts at policy.
4. **Tax Benefits:** Premiums may be deductible under Section 80C and maturity proceeds tax-free under Section 10(10D5. **Investment Opportunity:** Some plans offer investment components for market returns.
6. **Flexible Tenure Various maturity periods to meet financial goals.
**LIC Single Premium Plans - Table Number 717 - Single Premium Endowment**
HDFC LIFE PENSION PLAN
1. Systematic Pension Plan
Short Description: Aimed at securing a steady income post-retirement.
Description: The Systematic Pension Plan ensures a regular stream of income during retirement, thus guaranteeing financial independence at an age when earning is not possible.
Benefits:
Guaranteed regular payouts.
Flexibility in premium payment terms.
Option to choose investment strategies.
Tax benefits under Section 80CCC.
ULIPS PLANS
IPs, or Unit-Linked Insurance Plans, blend life insurance with investment opportunities. Key features include:
1. **Dual Benefit:** Combines insurance coverage with investment growth through premium allocation.
2. **Flexibility:** Policyholders can choose premium amounts, fund types, and switch funds.
3. **Lock-in Period:** A five-year lock prevents withdrawals.
4. **Tax Benefits:** Premiums may be deductible under Section 80C, with tax-free maturity under Section 10(10D).
5. **Market-Linked Returns:** Returns vary with market performance, offering potential for higher returns and increased.
6. **Long-Term Investment:** Suitable for extended investment horizons.
**LIC ULIPs Plans**
- Pension Plus (Table 867)
- Index Plus (Table873)
- Nivesh Plus (Table 749)
HDFC LIFE ULIP PLAN
1. Sampoorana Nivesh
Short Description: A flexible investment plan that combines insurance and investment.
Description: Sampoorana Nivesh offers a combination of life insurance coverage and investment options in various funds, providing potential market-linked returns.
Benefits:
Flexibility to choose from multiple fund options.
Option to switch between funds without additional charges.
Partial withdrawal facility available post-lock-in period.
Tax benefits under Section 80C and 10(10D).
This summary provides a quick glance at HDFC Life's offerings in protection, savings, pension, and ULIP products. Each plan is designed to cater to different financial needs and goals.
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