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AM

Want to know the cost

Replied by Policybazaar Team

Hello Ameet, Thanks for reaching out. You can check car insurance plans here

When it comes to car insurance, you have two options to choose from: third-party and comprehensive. 

  • Third-party insurance only covers damages to the other party's life and property in an accident involving your car. While it is a good way to protect yourself, it is not mandatory according to the Motor Vehicles Act. However, if you do not have a separate personal accident insurance policy, you will need to purchase a personal accident cover of at least 15 lakhs, as it is a legally required coverage.
  • Comprehensive insurance, on the other hand, covers theft or damage to your own vehicle in addition to third-party coverage. This type of insurance is especially important if you plan to keep your car for a long time, as it will protect you against financial losses resulting from any mishap with your vehicle. As with third-party insurance, you must purchase a personal accident cover of at least 15 lakhs if you do not have a separate personal accident insurance policy. You can check the premium details for car insurance here.

I hope this clears things up for you. Let me know if you have any further questions!

JH

Manipal cigna

Replied by Policybazaar Team

Hello Jalagam, We've just made a video on ManipalCigna Sarvah UttamManipal Cigna Sarvah Param. We would request you to please have a look or let us know if you're looking for any specific plan. 

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FR

Quote

Replied by Policybazaar Team

Hello, Thanks for writing in. You can choose from two basic types of insurance policies: third-party and comprehensive.

Third-party insurance covers only the damages to the life and property of the other party involved in the accident with your car. While this is a great way to protect yourself, it's not mandatory under the Motor Vehicles Act. If you do not already have a separate personal accident insurance policy, you must purchase a personal accident cover of at least 15 lac as a legally mandatory cover.

Comprehensive insurance covers theft or damage of your vehicle in addition to third-party coverage. This is especially important if you plan on keeping your car for long periods, as it will protect you against financial losses incurred due to any mishap with your vehicle. You must also purchase a personal accident cover of at least 15 lac as a legally mandatory cover if you do not already have a separate personal accident insurance policy. You can check the premium details here Car Insurance

BS

Need more details

View answer
Replied by Policybazaar Team

Hello Bhuwan, thanks for reaching out. Please use the link below to find the best Personal Accident insurance plans. The premium will be determined by a few factors, such as your age and, if applicable, your insurance member status. After you enter your information, you will receive estimates from multiple insurers from which you can choose the most suitable option.

In addition, personal accident insurance policies provide members with comprehensive financial protection against unanticipated occurrences such as an accident-related death, bodily harm sustained without intent, and partial or complete impairments, both permanent and temporary, caused by accident. The nominee receives total compensation from the insurer in case of the policyholder's unintentional death.

PS

Need it for 70 years old person

View answer
Replied by Policybazaar Team

Hello Pallavi, thank you for reaching out. You may select from a selection of health insurance products from several insurers on our website, including:
1. Individual health plans suited to a single person
2. Family floater health plans, which provide coverage for your complete family under a single plan.
3. Critical illness insurance policies (usually available as add-on covers)
4. Policies specific to Corona
There are also schemes designed specifically for senior citizens.

However, do note most comprehensive health insurance policies (individual or family floater) provide cashless coverage across network hospitals, cover COVID-19 treatment costs, and are available with no co-pay for people up to 60 years of age with no pre-existing diseases.

While some features may differ from plan to plan, some key terms and conditions for nearly all comprehensive health policies include:
1. All pre-existing diseases have to be declared at the time of submitting the proposal form to avoid rejection of claims in the future
2. The insurer may require you to go through tele- or physical medical tests based on your age and health condition
3. Across all health insurance policies, you will be required to serve certain waiting periods (the period within which you cannot claim treatment of specified diseases). The waiting periods may differ slightly across plans.

You can find out more features and benefits about health insurance and also check-out various policies here: Health Insurance

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