This document provides recommendations and information on various family insurance packages from AIMS Insurance Broking. It summarizes common risks families face and recommends policies for life, health, home, motor vehicle, and personal accident coverage. Sample packages tailored for low, middle, and upper income families are presented with the types of policies, sum insured amounts, and annual premium costs. General features of the policies and packages are also outlined. The overall purpose is to help secure families' financial futures through appropriate insurance coverage.

1. Family package Insurance Policies
recommended by
AIMS INSURANCE BROKING

2. Recommended policies
 Family Floater Mediclaim
 Term – (Life risk cover for
Earning Parents)
 Personal Accident Insurance
 Motor Vehicle Insurance
 Home Package Insurance

3. Common problems facing by us
Life is full of uncertainties:
 Accidents
 Natural death
 Critical illness
 Diseases
 Losses
 Liabilities
 Natural calamities

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. Fixing Sum insured
Depends upon:
 Age
 Profession/occupation
 Current Monthly expenses
 Current Liabilities
 Retirement Age
 Life expectancy
 Inflation rate
 Existing policy coverage

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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. Insure today and secure your future
THANK YOU