Family ppt

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Family ppt

  1. 1. Family package Insurance Policies recommended by AIMS INSURANCE BROKING
  2. 2. Recommended policies  Family Floater Mediclaim  Term – (Life risk cover for Earning Parents)  Personal Accident Insurance  Motor Vehicle Insurance  Home Package Insurance
  3. 3. Common problems facing by us Life is full of uncertainties:  Accidents  Natural death  Critical illness  Diseases  Losses  Liabilities  Natural calamities
  4. 4. Why Term Cover - Solutions  Protection against the unexpected  Term policy cover makeup for the loss of your income  Covering financial loss  Taking care of long term liabilities  Ultimate security for your beloved family
  5. 5. Fixing Sum insured Depends upon:  Age  Profession/occupation  Current Monthly expenses  Current Liabilities  Retirement Age  Life expectancy  Inflation rate  Existing policy coverage
  6. 6. Other features  Income Tax Benefit under Sec.80 c  Choice of policy term according to your needs – Max up to 80 years  Choice of flexible premium payment option  Higher sum insured – comparatively lower premium  Compare and select policies according to your needs
  7. 7. Family Health Insurance Covers hospitalisation expenses(cashless/reim bursement) incurred for treatment of illness/disease or injury contracted during the policy period for your Family member covered under the policy
  8. 8. Health Insurance Coverage  Room /ICU Charges  Doctors fees  Operation Theatre ,blood, medicine, implants, diagnostic tests organ donors expenses, ambulance charges  Day care procedure expenses - 140 procedures  Pre hospitalisation expenses 30 days and post hospitalisation 60 days  Ayurveda and Homeopathy - 20% of Sum insured
  9. 9. Other features and benefits  Cumulative Bonus 5% -Maximum up to 50%  Health checkup after 4 claim free year -1% of S I  Hospitalisation options – Cashless/Reimbursement  Pre existing disease cover after 4 continuous renewals  Income Tax Benefit under section 80 D up to Rs 15000  Policy portability before 45 days of renewal  No Medical required up to 50 years  Age – 18 to 65 , Children 3 months to 25 years
  10. 10. Home Insurance – Risk cover  Fire  Lightning, Explosion, Implosion, Aircraft Damage  Impact Damage  Riot, Strike & Malicious Damage (RSMD)  Storm, Cyclone, Tempest, Hurricane, Tornado, Flood, Inundation, Earthquake  Subsidence, Landslide & Rockslide  Earth quake(Add on cover)  Burglary and House breaking
  11. 11. Personal Accident Insurance o Accidents can happen to anyone, anytime. o It takes away the savings of many years. o The after effects of accidents can be severe. o In such a scenario, don't stretch your savings. o Get your life back on track, with the financial backing of Personal Accident Insurance.
  12. 12. Personal Accident – Risk cover  Accidental Death  Permanent Total Disablement  Permanent Partial Disablement  Emergency Ambulance Charges Rs. 2,000  Transportation of Mortal Remains 2% Sum Insured; max Rs. 10,000  Education Grand  Temporary Total Disablement – weekly compensation up to 104 weeks  Accident Medical Expenses
  13. 13. Sum Insured Sum Insured up to 75 Lakhs Sum Insured for adult dependent is 50% of proposer’s sum insured, maximum up to Rs. 50,00,000, and sum insured for children is 25% of proposer’s AD sum insured, maximum up to Rs. 10,00,000.
  14. 14. Motor Vehicle Insurance Comprehensive Car Insurance Policy that not only covers your vehicle against the mandatory third party liability but also against the losses caused due to fire, theft, explosion, burglary, riots, strikes, earthquakes, flood, cyclones, accidents, malicious acts and terrorist activities.
  15. 15. Other features  Nil depreciation policies  Compare and choose policies  Discount up to 50% on premium  Cashless repair facility from network workshops  Claims consultancy  Fleet discount for transport operators
  16. 16. Insurance policies for a low income family Type of Insurance Name of Policy Sum Insured Premium Home Insurance House Holders Package policy Building - 10,00,000 400 Contents - 2,00,000 200 Private Car Package Policy 3,00,000 5500 Personal Accident PA Policy 25,00,000 2550 Health Insurance Family Floater Mediclaim 1,00,000 2315 Life Insurance Term Insurance 30,00,000 5000 Total Sum Insured and premium per year 71,00,000 15,965 Per day expenses Rs. 44/
  17. 17. Insurance policies for a middle class family Type of Insurance Name of Policy Sum Insured Premium Home Insurance House Holders Package policy Building - 20,00,000 800 Contents - 4,00,000 400 Private Car Package Policy 6,00,000 10000 Personal Accident PA Policy 50,00,000 6000 Health Insurance Family Floater Mediclaim 4,00,000 6115 Life Insurance Term Insurance 50,00,000 8000 Total Sum Insured and premium per year 1,34,00,000 31,315 Per day expenses Rs.86/
  18. 18. Insurance policies for a upper class family Type of Insurance Name of Policy Sum Insured Premium Home Insurance House Holders Package policy Building -30,00,000 1200 Contents - 6,00,000 600 Private Car Package Policy 12,00,000 21,000 Personal Accident PA Policy 100,00,000 11000 Health Insurance Family Floater Mediclaim 6,00,000 12500 Life Insurance Term Insurance 100,00,000 13500 Total Sum Insured and premium per year 2,54,00,000 59,800 Per day expenses Rs.163/
  19. 19. General features Vehicle Insurance treated as first year renewal premium Personal Accident policies are package policies covering so many risks Family floater mediclaim cover for Husband /wife/ and children’s All premiums including service Tax @12.36% Premium may differ from different companies /policies and also for change in ages Policies can take separately in different time according to clients needs Age assumed 35 years for proposer/30 years for spouse and two children below 10 years The above is a specimen for different income level family’s insurance Risk coverage’s and premium Income Tax Benefit for Mediclaim and Term policy premiums
  20. 20. Insure today and secure your future THANK YOU

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