Manoj Gehi View On General Insurance &amp Personal Finance.

Insure against disability too, not merely death Rising number of accidents makes it essential to have a personal accident cover, even if you have term life insurance What PA covers A PA policy covers death, permanent total and partial disability, temporary total and partial disability, broken bones, burns and ambulance costs. In a disability, a certain percentage of the sum assured, depending on the extent. For instance, the compensation will depend on whether there is loss of one limb or both, one eye or two eyes, and so on. There are add-on benefits such as repatriation of mortal remains, bonus for children's education, per-day benefits in case of hospitalisation due to accident, weekly compensation in case of loss of job of the earning member and so on. There are floater plans that can be taken to include the entire family under a single policy, Mathur says. Excluded However, certain varieties of deaths and accidents can be denied under a PA. For instance, de...

HOME INSURANCE There is no place like 'Home,' it's our most valued possession and our heaven on earth. Few things in life matter as much to us, as our home does. We spend a fortune to buy it; After all, it's the heart of our family, our possessions, our priceless investment and our memories. But often our heaven is insecure with various risks and contingencies. Only a few people realize this and have Secured their Most Valued Possession HOME, Ek Mahal Apna !!!! Now more on Home Insurance ………. Who can buy this insurance? Any Owner Occupant of a Flat / Apartment / Independent Building which is less than 30 Years Old and which is not of Kutcha Construction can purchase this insurance policy for his “Building and / or Contents and Jewellery & Valuables, Works of Art, Curios andPaintings”. Further Any Tenant and other Non-Owners of Residential Structure can insure the “Contents and Jewellery & Valuables, Works of Art, Curios and Paintings” in ...