1. What is Health Insurance?
Health Insurance covers medical expenses arising from illness, hospitalization, or accidents.

2. Why do I need Health Insurance?
It protects your savings from high medical costs and ensures you receive quality healthcare without financial stress.

3. What does a Health Insurance policy cover?
Depending on the plan, it may include hospitalization, surgeries, daycare treatments, ambulance charges, and pre/post-hospitalization.

4. What is Cashless Hospitalization?
You can get treatment at network hospitals without paying upfront; the insurer directly settles the bill.

5. Can I add my family to one policy?
Yes, a Family Floater plan covers your spouse, children, and sometimes parents under one single premium.

1. What is Personal Accident Insurance?
Personal Accident Insurance provides financial protection in case of accidental death, permanent disability, partial disability, or temporary disability caused by an accident.

2. Why do I need Personal Accident Insurance?
Accidents are unpredictable. This insurance ensures your family is financially protected and your income is supported during recovery or disability.

3. What does a Personal Accident policy cover?
It typically covers: Accidental death Permanent total disability Permanent partial disability Temporary total disability Medical expenses due to accidents (optional)

4. Does it cover hospitalization expenses?
Some plans include medical and hospitalization coverage as an add-on. You can choose this based on your needs.

5. Is worldwide coverage available?
Yes, most policies offer worldwide coverage, protecting you regardless of where the accident occurs.

6. Who can buy this insurance?
Anyone, including salaried individuals, self-employed persons, students, and homemakers, can buy Personal Accident Insurance.

7. Are minor injuries like fractures covered?
Yes. Policies often cover fractures, burns, and other accidental injuries based on the chosen benefit structure.

8. How much sum insured should I choose?
Ideally, choose a sum insured equal to at least 10 times your annual income to ensure adequate financial protection.

9. Can I claim this insurance along with health or life insurance?
Yes, Personal Accident Insurance benefits can be claimed in addition to health or life insurance payouts.

10. Are natural deaths or illnesses covered?
No. This policy covers accidents only, not natural deaths or medical conditions.

1. What is Travel Insurance?
A policy that covers unexpected events during travel such as medical emergencies, trip cancellation, or lost baggage.

2. Is Travel Insurance mandatory?
Some countries require it for visa approval; otherwise, it’s optional but recommended.

3. Does it cover international and domestic travel?
Yes, depending on the type of plan you choose.

4. What happens if my luggage is lost?
You get compensation as per the policy’s coverage limits.

5. Does it cover flight delays?
Yes, most plans compensate for long delays as defined in policy conditions.

1. What is Motor Insurance?
Insurance that protects your vehicle against damage, theft, accidents, and third-party liabilities.

2. Is Motor Insurance mandatory in India?
Yes, third-party insurance is legally mandatory.

3. What is the difference between Third-Party and Comprehensive Insurance?
Third-party covers legal liabilities; comprehensive covers your vehicle plus third-party.

4. What is No Claim Bonus (NCB)?
A discount on renewal premium for claim-free years.

5. Can I transfer my NCB to a new vehicle?
Yes, NCB is transferable to your new vehicle.