Home Insurance provides coverage against reconstructing your house should there be any damage and is aligned to the ownership of the house. One needs to take a home insurance cover (structure) for the parts that are separately owned by them. If the whole building is owned jointly, then the cover needs to be taken by the same set of people jointly. If there are individual ownerships granted clearly, as in case of housing flats, then the individual owners can seek covers that provide coverage against their dwellings.

Individual Cyber Insurance policies are available today that offers protection against Identity Theft, Cyber Stalking, Malware Attack, IT Theft Loss, Phishing, Email Spoofing, Cyber Extortion and privacy data breaches against a small premium. Major general insurance companies in India like Bajaj Allianz, HDFC Ergo, ICICI Lombard and many others offer this insurance.

Hi Yogita, sorry to hear this. You can complain to the Insurance Ombudsman in such a case. The Insurance Ombudsman scheme was created by the Government of India for individual policyholders to have their complaints settled out of the courts system in a cost-effective, efficient and impartial way.The list of Insurance Ombudsman is available here http://ecoi.co.in/ombudsman.html

Hi Nitish, while we do not know the name of the policy you hold but you can choose from 6 - 7 types of anuity options. To know more you can simply visit here https://tinyurl.com/3v57hnm5

A personal accident policy helps provide a small financial cushio if anything were happen to the policyholder (death or disablity) owing to a accident. You can read more about such plans here https://tinyurl.com/wvm59j4k

Hi Neeraj, yes you can get Home Insurance for an empty home. Home Insurance offers coverage of the liabilities that arise out of damages to the house and/or the contents due to man-made reasons like burglary, theft, etc. To buy Home Insurance and know more you simply need to visit this page https://tinyurl.com/3dbcuekt

Hi Jadhav, you can download the policy statement from the respective website of your insurer. Most insurers allow you to download the same without the need to create an account by just doing a small 2 factor authorisation. In case you are a policyholder of a policy bought from Policybazaar you can just download the Policybazaar app and dowload the same from there

Hi Abhijeet, a standard term insurance policy provides a large financial security for a small premium to the policyholder. They are pure protection plan and come in two variants Term Insurance without Return of Premium and Term Insurance with return of premiums. You can learn more and buy the product here https://tinyurl.com/4cy5yrbz

Hi Manoj, it is a very wise decision to opt for Shop Insurance as it helps provide risk coverage for the material inside your shop as well as the property. To buy and know more you can simply login here https://tinyurl.com/22ykdzah

Hi Usha, unlike other life insurance plans term insurance does not come with a surrender plan option. Thus thre easiest way to cancel a term life insurance policy is by stopping premium payments and letting the policy lapse or by contacting your insurer by phone or mail