All Insurance News and Plans

Skyrocketing fuel prices and increasing risk of lifestyle-related diseases are evoking the necessity of pedaling. But while cycling through traffic-filled Indian roads, the chances are high that your bicycle may get damaged. Besides, bicycle robbery is prevalent in our country. Further, many innovations have been embraced by the cycle industry. As a result, modern-day bicycles come with many new features that take their price to the higher end. Hence, bicycle insurance is a must. Additionally, bicycle insurance covers accidental death that occurred while cycling. Point to consider while buying a cycle cover Check whether the type of your bicycle is included in the list of the insurer. Certain insurers extent coverage to particular categories only. Age of your bicycle matters. Most insurance companies do not give coverage to bicycles more than one-year-old. Hence it's better to take bicycle insurance immediately after its purchase. Many insurance companies provide coverage only for ...

Laptops are no more just a gadget today, they are the major source of revenue for most of the people in the country, especially with the work-from-home environment now. A good laptop costs anything between Rs. 40,000 to Rs. 1,50,000 and any damage to it is a major financial loss because of high repair costs. This is the reason why laptop manufacturers provide warranties, but this warranty is limited only for a period of a year. Post the expiration of the manufacturer warranty, your laptop is left vulnerable to damage costs that you have to bear on your own.   This is the very reason you need to have a laptop insurance in place. With laptop insurance that provides a laptop extended warranty, you can keep your laptop repair expenses well-managed, even after your manufacturer warranty expires. With an extended laptop warranty, you get the best coverage for your laptop which includes benefits that are not otherwise covered in your manufacturer warranty. These are listed below....

The question of whether to go for a portable AC or a window AC can be resolved once you develop a basic understanding of the working of these ACs and also evaluate your needs. Both the AC types can work best for different people under different circumstances. There are several AC brands in the market. To find the best ACs you can choose from the below list of best AC brands in India which includes- Samsung Voltas BlueStar Haier Diakin LG Whirlpool An average AC of 1.5-ton works best for your home needs. Now to understand how a Portable AC or a Window AC works and the benefits of the two, see the table below- Window AC Portable AC Installation is easy and it is placed outside you living space making it clutter free  Easier to install as it only has a small exhaust that needs to be placed at an exterior location Cannot be moved from one place to another Can be moved from one room to another very easily Low sound  Low sound Energy efficient Energy efficient If you look at the ta...

An air conditioner is a basic necessity in several parts of the country like Nagpur, Ahmedabad, Jaipur, Delhi etc., where the summer temperatures go as high as 55 degree Celsius. ACs have been built keeping in mind the necessities of different individuals and hence, every AC model has its own unique characteristic based on the brands that you chose from.  Majorly there are two types of ACs- Split AC and Window AC. A spilt AC is the one with two separate units, one of which is placed inside and the other carrying compressor and condenser is placed outside. On the other hand, a window AC has a single unit placed inside the room. Split AC incur high installation cost than window AC, but a split has its own advantage like it has very minimal noise and is energy efficient providing optimal cooling. These easily blend with your home décor as the unit carrying the not so aesthetic parts like compressor and condenser are placed outside the room. The best split AC in India are offered by Sa...

Smartphones are one of the most important gadgets in almost everyone’s life. Several people buy high-end mobile phones for the ease of working with fast processing power and high-definition cameras. Such mobile phones can cost as high as Rs. 1,50,000 which increases the chances of theft. Also, in some instances, you may lose your phone due to one or the other reason. Hence it is very important to know some very easy but beneficial ways to keep your smartphones safe- Always protect your smartphones with a very strong password that cannot be easily cracked. This helps in keeping your data secure within the phone. It prevents the attacker from manipulating your phone data to trace your location, important bank details, etc. There have been instances where thieves have been able to track down an individual to commit burglary only by having access to one’s phone. Use apps that help you to track your mobile in case it is lost. Several phones come with an in-built feature to track your phone’...

Card Protection Plans have gained immense popularity over the years owing to the rapid digitization which has compelled everyone to carry debit/credit cards everywhere. Any loss of these cards can lead to serious issues of card frauds and banking thefts; therefore, it is important that you have a card protection plan in place which provides financial cover and immediate assistance to you in case you lose your wallet carrying cash, debit/credit cards, and other important documents.  The card protection plan by Bajaj Finserv is your best friend in case you lose your cards/wallet. The premiums are extremely affordable with high coverage. You can get coverage up to Rs. 2,00,000 at a premium of Rs. 699. The plan offers the following benefits- The primary form of assistance that you would require in case of card/wallet loss, is to block all your debit/credit cards. In today’s world, we carry around 3-5 debit/credit and calling each bank to block your cards will be a tedious and time-con...

While facing the challenges and hustles of your day-to-day life, you might lose or forget your car or home keys somewhere. Also, your important keys might be stolen during the event of a home burglary. You might get cover for your financial losses from home burglary insurance but the replacement of your home and car keys also cost significantly nowadays.  To provide relief from such incidents, Bajaj Finserv has come up with a Key Replacement Insurance Cover policy. As per this policy, all the expenses that are required to replace or recreate your home/car keys will be borne by the insurer. Apart from the cover for the fee charged by the locksmith, this insurance cover provides these benefits: Car rental cover  Sometimes, it takes a long time to create a new set of car keys. The car rental charges that you will have to bear for your commutation during this period will be covered under this insurance policy.  Card blocking services  If you lose your wallet or purse th...

It is important to take all the precautionary measures while riding a bicycle so that you don't get injured. Also, taking safety precautions might keep your cycle safe from damages. For example, you should wear a helmet and all the safety gear while cycling. Also, you must follow the traffic rules and try to avoid unnecessary speeding-up especially on irregular or hilly tracks.  Being said that, it is not always possible to be safe and alert. Therefore, you should also subscribe to a Cycle Insurance India policy that can provide financial coverage when someone steals your bicycle, you lose it, or it gets damaged during a ride. A lucrative cycle insurance policy is provided by Bajaj Finserv . The essential features and benefits of this plan are stated below: High coverage amount  Get coverage of up to Rs. 50,000 by paying a premium of only Rs. 1499 that also includes an accidental death cover of Rs. 3,00,000. Or else, you can get a coverage of up to Rs. 25,000 that includes an...

The online marketplace for spectacles is said to contain a vast collection of eyeglasses. However, most buyers like to wear glasses before they make the purchase.  Although the online market offers expansive options, buyers are finding it difficult as they are not able to know how the glass feels on their face.  Here are a few tips to help you choose the perfect spectacle. Type A pair of spectacles is considered as an extension of your personality, much like the clothes you wear. It is advised that you choose one which best suits your persona and the shape of your face. Quality of frame Cheaper frames lose colour or get rusty with continuous usage. Some frames are suited for strenuous activities while other breaks quite easily. While choosing a frame, it is advised that you choose one that suits your lifestyle.  If it is an expensive one you can avail spectacle insurance policy so that you are financially covered in case of any accidental dama...

Travel plans can demand sudden expenditure, which may come out of nowhere in the form of an accident or a theft, or even missing a flight. Travel insurance policies, though not quite a protection, can guarantee easy financial recuperation if anything goes wrong.Under its umbrella, policies are of several types depending on the travel plans themselves. Coverage for family vacations From loss of belongings to sudden medical expenses, anything can come up in a vacation with the whole family. There can be a situation where the family misses a flight due to some accident, which in turn can affect hotel reservation plans and so forth. A policy that covers such scenarios and the likes of roadside accidents or its likes are paramount for domestic travel insurance covers . Policies for trekking tours Demanding as well as in-demand of tour plans, these are especially popular among the youth. Trekking trips are wrought with uncertainties, and incidents like landslide or excessiv...

Char Dham Yatra is the most famous pilgrimage tour done by Indians. People who are huge devotees of shiva, and want to explore the Garhwal region of Uttarakhand, then four temples- Kedarnath, Badrinath, Gangotri and Yamunotri is the best to visit. These four temples are also considered as the spiritual source of India's prominent rivers- Mandakini, Alaknanda, Ganga and Yamuna. A trip to Char Dham is considered as the holiest where people believe that visiting these places can wash away all your sins. However, the journey to these pilgrimage places is quite difficult and dangerous sometimes. This is why you need to be prepared with the travel insurance. There are finance companies offering pilgrimage insurance policy who want to visit this place.   Getting travel policy-  When you plan for the pilgrimage trip, you need to take up domestic travel insurance. These travel policy covers your entire trip. Whether you face an accident or other travel loss. However, do mak...

Sportsmen and athlete many times, while playing the sport suffer from sports injuries. The injuries not only impact the body but also the professional career of the athlete. The sports personal accidental cover can assist a lot in situations like accidental death, illness, injury or permanent total disability; It is a kind of insurance that is beneficial in the medical treatment costs. Sports insurance covers all types of sports injuries such as:                Concussion Cerebral hemorrhage Trauma injuries Dislocations Labial tear Golfer’s and tennis elbow Skier’s thumb Sports haematuria Hamstring strain Ligament Tear Features and benefits of sports personal accident cover High sum insured: With a Sports Insurance cover you get the coverage of Rs.200000 for Rs.500 per annum which is highly affordable. Coverage of medical costs: If an individual gets any sports injury then she/h...

Cycling is a part of many people these days. Owing to the health benefits and making pollution free environment cycles are of great demand among both youths and adults. But even cycles need protection from unforeseen situations. No matter how weird you feel about an insurance policy on cycle, you must know that there is a separate insurance policy known as the cycle insurance for people who are cycle enthusiast and have very expensive cycles with them.  Here is some of the information you must know about this scheme. Cycle insurance includes coverage for your cycle of course, along with all the costly accessories. It protects your cycle from theft or burglary. You can claim compensation amount if your cycle gets stolen. In case of any loss of accessories, you can claim for it. In case you face an accident and there is any damage to your cycle the cycle insurance will be able to get you replacement and repair if needed. It also covers damages made by any strikes o...

In case you have a credit card, you should sincerely think about buying price protection insurance for getting twofold advantages from your credit card. Credit cards have turned out to be a useful thing in the present times. People these days are quite equipped with the knowledge of the various add on policies, the range of reward and additional schemes and that of discount. The Credit Card Price Protection policies have been launched for the advantage of customers who would spend vast amounts on add on schemes but cannot quite understand what will take place if they ever need returns on price drops or of the robbery of the commodities bought. The Credit Card Price Protection policies offer a vast range of benefits, but when buying them you should consider the following tips: Compare all the offers made by the different credit card facilities providers. There might be diverse offers with diverse conditions by every diverse company. To know what would best suit you, check...

Purchase protection insurance might be a new kid in the block but it does have a series of familiar advantages. Read to know more. Shopping today has changed majorly from roaming around in streets to swiping on the touchscreen. In this rapidly evolving and developing era things are modernizing. Purchase Protection Insurance is a modern approach towards providing safety to the things we buy. Here is look at it: The list of advantages It doubles the protection and safety for the purchase. There are times when a shopkeeper charges a commodity at a higher price rate than its normal rate. Purchase Price Protection assures that an individual pays the correct amount for goods. Pocket Insurance comes with an added benefit of extra warranty period apart from the warranty that's the product is providing. If the seller is not accepting the product for return or replacement you can claim the policy protection in such a situation The process to claim it If the mode of...

Medical treatments these days are a matter of the huge amount of money. And if you need quality treatment facility from the super-specialty hospitals and clinics you need a medical insurance plan for you and your family. If you are planning for the medical insurance plan with hospital cash cover , then be sure to consult with the best insurance plan provider.  Let us discuss in details. Financial companies such as reputed NBFC Bajaj Finserv and other insurance companies have their own health insurance policies that range from smaller amounts of bigger amounts. All these medical policies fall under the pocket insurance policy scheme. It gives clients the facility to get benefits with minimum investments. The procedure is quick and does not require lengthy documentation. You can get a higher amount of money with such hospital cash insurance to continue medical treatments even for critical patients. Just make sure you read the policy details clearly before yo...

Kidney stones have become a common health issue in India. While the occurrences of kidney stones are getting more common, it is high time that you should consider getting a kidney stone insurance policy for yourself. With the rising number of kidney stone cases in India, it is high time that individuals should consider getting a reliable kidney stone insurance policy in India. Bajaj Finserv offers a reliable Kidney Stone Insurance Policy –extending the overall financial aid for hospitalization and diagnostic tests of around 50,000 INR.  Here are some of the potential benefits of getting a reliable Kidney Stone insurance policy in India: Coverage for Diagnostic Tests and Hospitalization Charges:  The kidney stone insurance policy can help you cover the diagnostic costs and hospitalization charges upon detecting a kidney stone. Coverage for Room Rent and Doctor’s Fees:  The coverage for kidney stone insurance policy can help you in getting as much a...

In the past few years, plastic money has entered the market and is more convenient than the real currency. Cards are now used to pay bills, use them as money at stores, used as identity proof, discounts and for other reasons. However, such cards also come up with different risks. There are several situations that are reported where cards are lost and various fraudulent activities are performed. This is the reason that it is best to look for the Payment Protection Plan that provides perfect protection against fraud and theft.  If you are looking for the Card Protection Plan , it is best to apply for the Wallet Care brought from the Bajaj Finserv. Once you have an effective Payment Protection Plan you stay away from the stress of protecting your card. With this plan, you can easily block the card when lost with a single call. This helps to block them no matter where you are within 24 hours. In case you have lost a PAN card, it is easy to replace with this protection plan....