Latest All Insurance Plans we are Provided: 2012

Reliance Car Insurance Policy Features | Reliance Car Insurance Policy key Highlights

Car Insurance Policy Features
Your car is more than a means of transport. It is a valued possession which is dear to you and your family. Any damage to your car by way of an accident/ natural calamity or loss because of theft not only hits your pride and joy but also makes a deep hole in your pocket.

Drive to safety with Reliance Private Car Insurance. Not only do we cover benefits of comprehensive motor insurance but also provide post accident assistance.
With our Insurance you get complete and maximum coverage for your car.

Key Highlights
Instant online policy issuance or over IVR call us on 1800 3002 8282
No documentation
Cashless facility at 2100 Network Garages
Reimbursement of towing charges up to Rs. 1,500
Survey within 8 working hours
24/7 service
Hassle free claim settlement
Attractive discounts
Complete car insurance, on and off the road

Private Car Insurance Policy Covers | Personal Accident Cover Details

Private car insurance policy provides coverage for loss of or damage to your vehicle against the risk of accident, fire, theft, floods, earthquake, riot, strike etc. The policy also gives coverage for your liability arising out of death, injury to third party and/ or third property damage.

What the policy covers:
Loss or damage to the insured vehicle, Personal Accident and Third Party Liability due to the following:
Natural calamities -- Fire, explosion,self-ignition, lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
Man made: Burglary,Theft,Riot & strike, Malicious act, Accident by external means, Any damage in transit by road, rail, inland waterway, lift, elevator or air.

Personal Accident Cover:
Provides compulsory personal accident cover of Rs. 2 lakhs for individual owner driver of the insured vehicle while travelling in, mounting or dismounting from the car. You can also opt for a personal accident cover for passengers.

Third party legal liability:
Gives guaranteed protection against legal liability arising due to accidental damages, any permanent injury/ death of a person and/or any damage caused to the property.

Key Benefits
Cashless claim facility at Cashless Garage Network across India.
Claim towing charges up to Rs 1,500 in the event accidental damage or loss to your vehicle as specified under the policy
Avail the following bonuses and discounts:

No Claim Bonus:
If you do not make a claim during the policy period, a No Claim Bonus (NCB) is offered on renewals. The discount can go as high as 50%.
(NCB will only be allowed provided the policy is renewed within 90 days of the expiry date of the previous policy.)

National Mental Health Policy and Plan by Ministry of H&FW

The Ministry of Health and Family Welfare, Government of India has appointed a Policy Group to prepare a National Mental Health Policy and Plan.

The Members of the Policy Group are : Keshav Desiraju, Jagdish Prasad, Akhileshwar Sahay, Nirmala Srinivasan, Vikram Gupta, Thelma Narayan, Sanjeev Jain, Vikram Patel, Anirudh Kala, Vandana Gopikumar, Alok Sarin and Soumitra Pathare.

The Terms of Reference of the Policy Group are :

a. To prepare a situational analysis of the need for mental health care in the country and the current provision of mental health care in the country, including issue of human resources, essential drug procurement and distribution, advocacy, prevention of mental illness, rehabilitation and care and promotion of mental health and rehabilitation.

b) To carry out a systematic review of the evidence base for the policy measures proposed below.

c) To take the draft Mental Health Care Act into account when drafting the National Mental Health Care Policy and Plan and recommend changes to the proposed draft Mental Health Care Act, if necessary, to support the National Mental Health Care Policy and Plan.

d) To prepare an evidence based National Mental Health Care Policy for the Ministry of Health and Family Welfare stating guiding values, principles and objectives of such a policy and identifying priority areas for action.

e) To prepare a National Mental Health Care Plan with specific reference to the National Mental Health Programme and the District Mental Health Programme with specific strategies and activities to implement the priority areas of action identified in the National Mental Health Care Policy and to further prepare an estimate of financial resources required to implement the Plan.

f) To conduct broad-based consultations on the above issues with mental health stakeholders in the country before finalizing the Situational Analysis, the National Mental Health Care Policy and the National Mental Health Care Plan

Health Insurance Premium Plans | Premium Health Insurance Plan Details

Premium Health Insurance Plans
premium for Insure Health depends on age of the Insured person and the Sum Insured option he/she chooses. Please refer the detailed premium table as below.

Premium Table (In Rs.) (Excluding Service Tax)
Age Group (In Yrs)	SI-25,000	SI-50,000	SI-75,000	SI-100,000	SI-200,000
91days-35	530	743	902	1,061	1,593
36-45	849	1,168	1,433	1,646	2,124
46-50	1,380	1,911	2,336	2,708	3,983
51-55*	1,540	2,336	2,655	2,974	4,568
56-60*	1,805	2,496	3,080	3,505	5,046
61-65*	2,974	4,143	5,152	5,843	8,552
66-70*	3,930	5,524	6,852	7,755	10,996
71-75*	4,515	6,268	7,808	8,871	12,218

more details available in this site: http://www.apollomunichinsurance.com/insure-health.aspx

What is Health Insurance and Types of Health Insurance Plans

What is Health Insurance?
It is a contract between the Insurer & the Insured wherein the former agrees to pay to the latter hospitalization expenses to the extent of an agreed sum assured in the event of any medical treatment out of an illness or an injury. In the nutshell the Health Insurance is a policy which covers you & your family against medical expenses due to sickness, accident etc. The Insured in return has to pay a regular premium to the insurer.

Types of Health Insurance Plans
Health Insurance Plans are segregated into three categories, firstly the Mediclaim Plans by Non-Life or General Insurance Companies, secondly the Hospitalization Cash Policy by both Life & Non-Life Insurers and thirdly the Critical Care Plans offered by both Life & Non-Life Insurers.

Auto Insurance Plans

Why do you need a five step guide to auto insurance shopping? Because, if you want to get the best coverage for your buck, shopping smart for your car insurance is the way to do it. Also, car insurance is one of the top ways to chisel down your insurance budget if you know how to do it right. Let's start with deciding what car insurance coverage you need:

1. What Kind of Coverage Do You Need?: Before calling the insurance company and getting your insurance quote, take the time to decide what kind of coverage you need. In every state you have to have at least liability coverage. But, you need to decide if you would like to add these additional car insurance coverages:

2. Choosing an Insurance Company: When you are ready to select your insurance provider, besides just looking for the best car insurance premium, you will want to take some time to research what insurance company you want to go with by learning about their financial strength. Another important aspect of choosing your insurance provider is knowing if and how they will use your credit score to determine your rate. Take the time to research different companies and then make a list of the providers you are interested in contacting for an insurance quote. Here are some tools to help you research your car insurance company:

3. Making the Call: When you have your list of selected car insurance providers you are ready to start calling around to search for the one who can give you the best deal. It is important to have certain paperwork handy, such as your drivers license number. In addition, having a list of discounts you may be entitled to can save you some extra money. Here are some resources to help you when you are ready to make the call:

Tuesday, April 24, 2012