Health Insurance

• Do you have enough financial resources to sustain yourself through a medical emergency? Can you afford good health care and medical facilities within available resources? Are you prepared to incur the health care costs as your family grows and you age?
• If the answer to any of the above is “no”, then you need a Health Insurance plan or a mediclaim as it is commonly referred to. You need it even if your employer provides it so as to maintain continuity during uncertain employment times.
• Health insurance is like a contingency plan to deal with medical expenditure that may arise at a later stage in life. It gives access to a better health care by providing the required financial assistance.
• When we decide to buy a Health Insurance plan, we evaluate the benefits of the policy but at the same time its essential to assess the limitations (exclusions and caps in technical terms) as well.
• Weighing things up in time make all the difference when we are in need. It becomes necessary that we understand the terms and features of various insurance policies available, compare rates, cover provided, specific features and exclusions and then decide.
• Weighing things up in time make all the difference when we are in need. It becomes necessary that we understand the terms and features of various insurance policies available, compare rates, cover provided, specific features and exclusions and then decide.

Know before you buy :

• Family Plan/ Individual Cover
• Upper age limit for insured
• Consultancy & Diagnostic Tests Cover
• Cashless Transactions
• Network Hospitals
• Critical Illnesses Cover
• Ailments not covered
• Room Rent Limit
• No claim benefits

Benefits

• Insurance cum investment plan
• Financial Security to your child's future
• Financial support to prime moments of child's life
• Addition of specific riders
• Maturity Beenfits

Motor Insurance

Overview

Roads have increasingly become rather unsafe and much more prone to accidents owing to a number of factors, ranging from high traffic, ill-lit areas causing low visibility, bad road conditions like potholes or broken patches etc. or even road rage. Thus, safeguarding one’s vehicles while being constantly on the move has become a necessity today and having a suitable motor vehicle insurance cover is the best way to protect the vehicles financially against any loss, theft or physical damage, from both a natural calamity and a man-made disaster.

Types of Motor Insurance

1. Car Insurance- Motor car insurance is a must for everyone owning a car so as to drive with your mind at ease from any possible damage, theft or loss that may happen to one’s car. It safeguards the car against all possible damages related to accidents, natural disasters, theft, fire etc. and provides an economic safety to the owner. It is vital to compare the varied policies offered by different companies to get the best deal with maximum coverage at the cheapest possible price.

2. Two Wheeler Insurance- Two-wheeler insurance is primarily the same as car insurance; only meant for providing insurance cover to bikes and scooters. Mostly the features of this policy are common, to be safeguarding the two-wheelers against all economic loss.

3. Commercial Vehicle Insurance- This is the insurance cover for all commercial vehicles from heavy to light such as trucks etc., specifically for carrying the goods and all only for commercial purposes and not personal. Its features are devised to give due economic relief to the commercial drivers against any loss or damage to the vehicle.

4. Third-Party Insurance Policy- The third-party insurance is a policy which protects the owner/driver of the vehicle against any legal/accidental liability, financial loss, property damage, medical cost cover in the event of an injury to or even death of any third-party arising out of their vehicle. Third-party insurance policy is a mandatory insurance as per the ‘Motor Vehicles Act 1988’ for anybody owning, buying or driving a motor vehicle.

Benefits of Motor Insurance

With the growing trend and need for personal vehicles to make commutation easy today, most people have their own cars, scooters and bikes etc. And with the highly poor condition of road infrastructure, huge traffic and stressful road rage incidents, motor vehicle insurance becomes a sheer mandate the moment you think of owning your own private vehicle. There are numerous reasons that one should buy online motor insurance for their respective vehicles including,

1. A number of inclusions such as damages incurred due to any riots or strike, fire or burglary, any terrorism act and other natural conditions like earthquake, land slide, flood, storm or cyclone etc.

2. Direct Claim Settlement or cashless claim procedure at the garages covered in the network of the particular insurance company.

3. Also provides an appropriate depreciation cover in proportion to the amount insured in the plan.

4. The policy also supplies for sufficient coverage for the engine protection, in case of any damage or loss.

5. 24X7 continued assistance at any time for road slide.

6. Other big small service facilities like the towing facility etc.

Life Insurance

Overview

No matter how much and how well you plan, life always remains unpredictable and that can create some serious problems at some point, rather unexpectedly. Such abrupt unpleasant and unplanned situations can really imbalance the pace of life for you and your loved ones. Having an adequate life insurance cover is not only a guaranteed provision for your family in case of any mishappening that may endanger your life in future but it also helps to put your mind at rest that no matter what the future holds, your loved ones will never be left uncared for.

Life insurance is primarily a policy that provides adequate financial support to the beneficiaries (could be one or more) of the policy in case of the death of the policy holder. Even though nothing can replace the human existence in life but the provision of prompt financial support can prove to be immensely helpful during an already emotionally draining time.

Benefits of Life Insurance

While the obvious and biggest advantage of life insurance is the financial security it promises to provide your loved ones, life insurance has several other benefits as well that make availing a suitable plan a mandate for every individual today.

1. Tax Exemption- One of the best part about having life insurance cover is getting the additional benefit in terms of tax exemption for the premium one pays towards the policy, being eligible as per the section 80C of the Income Tax Act 1961. Also, certain policies providing benefits on maturity are also entitled to giving due tax deductions on the maturity earnings, under the section 10 (10D).

2. Availing Loan Against Policy- The policy also provides for a provision wherein the policy holder can avail loan in case of an urgency, wherein the amount of loan can be taken either in the percentage of the insured sum or as the cash value.

3. Investment Perspective- Life insurance cover also assists an individual in systematic financial planning at a specific life stage for one’s convenience. It acts like a long term investment tool for better management of one’s finances as it can provide due aid at important parts of life such as the education or marriage of your child, retirement planning or building one’s home etc.

4. Better Returns- As opposed to the other forms of investment, the life insurance policy provides relatively much better returns on one’s investment. Moreover, the money invested is much more secure and less at risk in comparison and the amount will be returned for sure, either at the time of tenure completion or the demise of the person.

Travel Insurance

Overview

Travelling may be a personal venture for some or a professional necessity at some point but whatever it may be, it is both enjoyable as well as demanding at the same time. Travel insurance stands as the best and the most convenient way to safeguard one from any unanticipated circumstances that may occur at any point while travelling and cause an unaccounted expense that can imbalance one’s budget and bank balance drastically.

There are a number of varied plans available in the market from cheap travel insurance giving relatively low coverage to some more expensive plans providing a much higher coverage in lieu of the expenses incurred. And now, with the ease of exploring and buying insurance online at just a click, it has become simpler than ever to get your hands on the best travel insurance plans available at the best possible prices from different brands.

What Travel Insurance Covers?

Travel insurance is specific to all things related to travel, covering for all unwarranted expenses related to occurrences such as any delay or cancellation in any of the flight schedules, any loss, theft or other damage to luggage or passport or other important documents as well as several policies also include the medical emergencies occurred during the travel etc.

Benefits of Travel Insurance

If one wishes to make their travel an easy, uncomplicated and tension free affair without the constant worries of additional, unplanned expenses marring your experience, then, having an adequate travel insurance plan at the right time i.e. well in advance, right at the time of getting the trip bookings done in the first place so that maximum benefit and coverage for the entire trip can be availed.

• It covers the flight delays, including reimbursements for the meals during the time.
• Guaranteed prompt assistance in case of loss of passport or other important documents.
• Emergency medical assistance available at all times instantly.
• Due care taken of your essential requirements in case of loss of luggage.
• You are safely provided for in case there is a general mishappening at the place you are visiting.
• In certain countries, travel insurance is a must so you are covered for.
• Provides maximum possible cover at the best reasonable cost.
• Definitely helps in making the trip more cost-efficient and is also not affected by the bankruptcy of the travel company.

Accident Insurance

Overview

There is a lot in life that’s uncertain and moreover, on the roads these days, owing to the bad conditions and increasing level of traffic, situations are unpredictable and unmanageable at times. Accidents are significantly on the rise in comparison to the past few years, in particular and one really doesn’t know when the situation gets out of control. A little planning can go a long way as accidents can unsettle your life in a fraction of a second, leaving you and your loved ones in a difficult situation both emotionally and financially.

Despite all the possible precautions, accidents may occur anytime sometimes even resulting in death of the person. Personal Accident Insurance cover gives protection and financial help against such unforeseen events. You may save your medical expenses and get covered against accidental death, serious injury or any disability.

Personal accident insurance is the way to safeguard your financial interests in advance in the stressful situation of an accident causing any serious injury and also, the cover is extended to one’s family as well in case of a fatal accident. There are some different types of coverages offered under the accident insurance policy, usually, which include the following:

• Accidental Death
• Temporary or Partial Disablement
• Permanent Disablement
• Medical Expenses
• Hospitalization Cash Benefits
• Corrective Surgery
• Funeral Expenses

Further, there are two different types of policy cover, i.e.

• Individual Policy that covers only the one individual insured in case of an accident.
• Group Policy that is generally meant for a group of individuals, taken by employees together or even family members. They are better off as sit relatively cheaper and may offer more benefits.

Benefits

• Secure your family’s financial well-being
• No medical tests or documentation required at the time of accident
• Ample coverage provided at much lower amount of premium
• Simple and instant certified process for claim settlement
• Expenses for legal cases or funeral costs are covered
• Customization available as per requirement
• Double indemnity available for death or any permanent disability/ impairment when met with an accident/ adverse event when in public transport.

1. Skill Development

AHRDNL emphasis to skill youths in such a way so that they get employment and also improve entrepreneurship. AHRDNL has introduced tailor-made, need-based programs that would be initiated for specific age groups which can be like language and communication skills, life and positive thinking skills, personality development skills, management skills, behavioural skills, including job and employability skills.

AHRDNL has the vision to provide employment linked international level skill training to more than 1 million youth in the coming years that would be on the lines of meeting domestic as well as international demands. Organization is being actively involved in skill development training and placement since 2010. AHRDNL has collaborated with Central and State Government for implementation of schemes as Training Agency.