Tips to buy most essential insurance policies
For taking care of any untimely death that can leave one’s family strand for funds.
Buying life Essential Insurance Policies preferably through a term insurance plan is highly recommend.
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Most investors begin to save for their long-term goals including that of becoming a crorepati.
Without taking care of the risks.
Even as you start saving a single penny.
You need to take care of the risks before venturing out on your investing journey.
For taking care of any untimely death that can leave one’s family strand for funds.
Buying life insurance preferably through a term insurance plan is highly recommend.
For meeting hospital bills, without having to dip into savings, is the health insurance policy.
Similarly, there are other risks that need to be protect so that you don’t risk losing your savings mid-way before reaching your goals.
Here they go:
Term Insurance
If you have financial dependents.
Not enough net worth to take care of your family members in your absence, buy a term insurance plan without fail.
Term insurance plan is a low-cost, high cover plan and is the purest form of life insurance.
The policyholder pays premium for a specific term.
Doesn’t get anything on surviving the term but the family gets the life cover if death occurs within the term.
Tips to buy term insurance plan
- Choose tenure or term of policy to match your retirement age.
- Explore 3-4 prefer insurers and then decide from whom to buy, base on premium.
- Opt for online purchase for lower premium.
- Keep the nominees inform.
Health Insurance
Medical inflation is rising fast and you need adequate coverage for self and even for all family members.
If you have a young family with kids, opt for Family Floater else go with individual health covers.
Do not bank on employer provide group cover unless you have a government job.
Tips to buy health insurance plan
- Explore 3-4 preferred insurers and then decide base on premium.
- Stick with plain-vanilla plans.
- Keep an eye on exclusions and inclusions in the policy.
- Disclose all medical information while buying.
Personal accident insurance
Accidents may result in disability impacting one’s earning capacity or may result in death of the individual.
There are accident insurance plans covering these risks.
Some of them could be standalone personal accident insurance policies available with general insurance companies.
They may be available as an optional rider with a life insurance policy.
Disability coverage includes four contingencies that may arise from an accident
Death, permanent total disability, permanent partial disability, and temporary total disability.
Tips to buy personal accident insurance
- Choose your preferred insurer as premiums are largely the same across insurers.
- Pay the premium based on risk category depending on your income, profession.
- Opt for comprehensive cover to include four contingencies.
Motor Insurance
Even though only the third party coverage is mandatory.
It pays to get a comprehensive cover for your vehicle.
Together with 3rd party cover and the ‘own-damage’ cover.
A comprehensive policy can help you save money when there is damage to your own vehicle.
Nowadays, there are ‘add-ons’ that can provide extra coverage in your policy.
Always remember, to transfer your no-claim bonus to the new car, if you are replacing your old one.
This way, you would be able to save 20-50 per cent on the first premium of your new car.
Tips to buy motor insurance
- Explore 3-4 prefer insurers and then compare premium.
- There are discounts available – speak to the insures, brokers.
- Note if cover note has exclude any key benefit to quite a lower premium.
- To bring premium lower, opt for copayment or deductible.
- Make sure benefit of no-claim bonus is utilize.
Home Insurance
Your home building and the contents too need coverage.
You can either opt for a standalone fire insurance policy that protects the building of your house against fire.
Allied perils like earthquake, lightning, storm, floods.
Riots or a more inclusive householder package policy which covers the contents of the house against burglary.
Mechanical or electronic breakdown, in addition to covering the building.
Contents against fire and other perils.
The premium is less than 1 per cent of the cost of the contents or structure cover.
There are two choices to cover your home or contents – cover against the present market value.
Against the reinstatement value, or the value at the time of the claim.
Tips to buy home insurance
- Choose your prefer insurer as premium is largely the same across insurers.
- Keep a list of belongings handy along with purchase bills of high value items.
- Opt for personal accident cover or other add-ons.
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