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Recently answered questions
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SH

Cancer mediclaim policy

Replied by Policybazaar Team

Hello Shantilal, thanks 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 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 that 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 must serve specific waiting periods (during which you cannot claim treatment for specified diseases). The waiting periods may differ slightly across plans.

You can find out more features and benefits of health insurance and check out various policies here: Health Insurance.

US

Car insurance

Replied by Policybazaar Team

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

Also, when it comes to car insurance, you have two options to choose from: 

  • 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!

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LIC Online Premium Payment

The LIC online premium payment facility lets policyholders conveniently pay their premiums. The LIC online payment option ensures a hassle-free, quick, and secure method to keep your life insurance policy active without standing in long queues or visiting branches. ...

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Islamic Baby Boy Names from the Qur'an

Choosing a baby boy’s name from the Qur'an carries deep spiritual meaning, much like securing your family’s financial future through insurance. Both symbolize care, protection, and foresight, values rooted in Islamic teachings. Qur'anic names often reflect virtues such as wisdom, strength, courage, and unwavering faith, qualities that not only shape a child’s identity but also mirror t...

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Modern Islamic baby girl names 2025

Choosing a modern Islamic name for a baby girl connects her to cultural traditions while embracing contemporary values. These names reflect the beauty and strength of Islamic heritage and carry deep meanings that inspire virtues like faith, kindness, and wisdom. ...

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An SIP is a disciplined way to invest in mutual funds. It involves contributing a fixed amount regularly, leveraging compounding for long-term goals. A mutual fund SIP calculator helps estimate potential returns, empowering investors to make informed decisions about their mutual fund portfolio. ...

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ULIP Calculator

A ULIP Calculator is a financial tool designed to help you compare ULIP plans and estimate the maturity amount depending on the expected investment value and future returns, helping you to reach your life objectives in the future. ...

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PK

Buy new plan

Replied by Policybazaar Team

Hello Piyush, Thanks for writing in. Health insurance is a type of insurance that covers the medical expenses incurred by an individual in case of hospitalisation or sudden illness. The benefits of buying a health insurance plan include financial protection against medical costs, access to quality healthcare, and knowing that you are covered in a medical emergency. Some health insurance plans also offer benefits such as cashless hospitalisation, coverage for pre-existing conditions, and tax benefits under Section 80D of the Income Tax Act.

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 must serve specific waiting periods (during which you cannot claim treatment for specified diseases). The waiting periods may differ slightly across plans.

You can find out more features and benefits of health insurance and check out various policies here: Health Insurance.

RA

Explain the claim process for term insurance

View answer
Replied by Policybazaar Team

Hello Ramesh, There are many different steps involved while filing a claim on a term insurance plan. In case of unfortunate death of the insurance holder, the dependents (family members) or beneficiaries under the term insurance policy should inform the insurer as soon as possible. To support the claim filed, it is necessary to submit all the required documents. However, before contacting the insurance company, the beneficiary should keep some important facts in mind.

1. The insurance policy should be in force, and all the premiums should be duly paid.
2. The specific situation for which the claim is filed should be covered under the term insurance.
3. Policy exclusion.

To know more about the claim process, visit here

RO

just want to understand my health insurance

View answer
Replied by Policybazaar Team

Hello Rohit, Thanks for writing in. Health insurance is a type of insurance that covers the medical expenses incurred by an individual in case of hospitalisation or sudden illness. The benefits of buying a health insurance plan include financial protection against medical costs, access to quality healthcare, and knowing that you are covered in a medical emergency. Some health insurance plans also offer benefits such as cashless hospitalisation, coverage for pre-existing conditions, and tax benefits under Section 80D of the Income Tax Act.

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 must serve specific waiting periods (during which you cannot claim treatment for specified diseases). The waiting periods may differ slightly across plans.

You can find out more features and benefits of health insurance and check out various policies here: Health Insurance.

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