Individual Insurance
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Individual Insurance Advantage
Family Health Insurance
Buy
cost-effective health insurance that protects your entire
family. Health insurance is a must buy because health care
costs are rapidly rising as is incidence of hospitalization.
Buying this insurance early and selecting thoughtfully
ensures that waiting periods get done fast and the insurance
can remain with you lifelong.
Term and Keyman
Get pure risk life
insurance that pays a large benefit if you die prematurely.
Term is the most cost-effective way to buy life insurance.
It can also be bought as a keyman insurance to cover your
company’s key executives. In that case the premiums are paid
by the company and the death benefit also goes to it.
Motor
Buy mandatory third party
cover as well as carefully selected extensions. A well
designed motor insurance will cover for the most likely
accidents. For example, tyre bursts in expensive cars or
engine seizures. Similarly it is possible to get zero
depreciation covers that pay replacement cost of damaged
parts.
Travel
Cost effective travel
insurances that are accepted by visa authorities. Travel
insurance that is customized for the countries that you
visit and the duration of your travel. If selected carefully
some insurances also cover emergency treatment due to
pre-existing diseases upto certain limits.
Home
Protect your home from damage
and burglary. Home insurance pays repair costs if your house
is damaged by fire, earthquake, storms, flooding and riots.
Burglary and theft can also be covered. The costs paid by
the insurer depend upon the kind of insurance you buy and
the deductible. Choose carefully.
Benefits Overview of Individual Insurance
Easy to buy
Individual insurances policies are easy to buy with minimal documentation. The main work required is in the initial selection of the insurance. However, once the initial purchase is made, the insurances are meant to be kept for a long term.
Streamlined renewal
You will get several renewal reminders from the insurer and your intermediary. The renewal rates are generally standardized and require no negotiation. It’s important not to allow a break because then you lose continuity benefits.
Comprehensive cover
Most individual insurance plans offer several add-ons and riders. These can be useful to make your insurance more comprehensive. For example, a waiver of premium is useful for term insurance; critical illness riders are good to add on in the health or term insurance.
FAQs
Some of the most popular individual insurance products are -
- Term insurance
- Motor Insurance
- Home Insurance
- Health Insurance
- Travel Insurance
Except for third party liability
in motor Insurance, every other individual insurance product is
voluntary.
Unlike group insurance, individual
insurance are products designed for an individual. Secondly,
group insurance products are typically offered by employers to
employee as part of employee welfare schemes. On the other
hand, self-insurance products are voluntary, and individuals
who want protection against health risks or general perils or
dangers take up policies like health insurance, home insurance
and term insurance. Individual insurances are paid for by
individuals themselves and they can keep these insurances
lifelong.
Since you pay for individual
insurance plans you are not dependent on the company to provide
these to you. These personal insurances will continue to
protect you even when you stop working.
Yes. Your family can be covered
under one health insurance. For term insurance it is better to
buy individual insurances although joint family insurance plans
are also available.
Every insurance policy takes into
account different factors while deciding premium rates. Some of
the common ones are age, health, tenure, income and value of
the asset.
