Demoralized by the charms of pleasure of the moment so blinded by desire that they cannot foresees the pain.
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Instructions
Insurances
Life Insurance
Life insurance provides a monetary benefit to a decedent’s family. Life Insurance protects you against specific losses by paying a premium over a period of time. Since each one of us is vulnerable to uncertainties – failing health, financial losses, accidents and even wreath, our instinct drives us to cover ourselves against those risks.
Term Plans
You should always go for a term insurance plan not only to combat the financial uncertainties but also to provide protection to your family in absence of you as life can be unpredictable. There are multiple other reasons to opt for a term insurance plan and the major ones are as follows.
Protection To Your Family
A term insurance plan helps you to meet ... the monthly expenses of the people who depend on you or the family members, even when you are not around.
Secure Your Children’s Future
This policy also helps you financially at the time ... of your child’s marriage and higher education and some more.
Low Premiums
The term insurance plans offer high coverage... at premiums that are affordable to the majority of people. If the policy-seeker buys life insurance plans online, the premium rate becomes even lower due to the absence of agents and middlemen.
Tax Benefit
Term Insurance plans offer tax benefits... Section 80C. on premiums paid up to 150000 under
Savings Plans
When you purchase a savings plan, you benefit from
Life Cover
Your savings plan offers a life insurance component. If anything were to happen to you, your... family will receive the payout ensuring financial protection during a time of need.
Financial Discipline
Your savings plan encourages you to put money away regularly. It helps you build a financial habit that will prove ... useful even later in life.
Financial Goals
You can use a savings plan to steadily build up a corpus for your financial goals. With a savings plan,... you can save up money to purchase your dream car, take a vacation, and pay for your child’s education and even plan for retirement
Financial Flexibility
You can customise your savings plan as per your unique needs and requirements. Depending on... the plan you choose, you also have the ability to choose how and where your funds get invested for your future. You can pick funds as per your risk appetite and even makes changes depending on your dynamic financial situation.
Save Taxes
Savings plans provide life insurance benefits, so they offer tax savings under section 80C... of the Income Tax Act, 196113. You can avail a deduction of up to INR 1, 50,000u/s sections 80C of the Income tax Act, 196113 per year against the money you invest in your savings plan.
Guaranteed Returns
Depending on the plan you purchase, you will enjoy returns on your investment when the plan matures.... Most often, you can opt for payouts at regular intervals while keeping the plan active.
Unit Linked Insurance Plans (ULIP):
Unit Linked Insurance Plans, popularly known as ULIPs, are insurance plans that provide the benefits of an insurance cover as well as a market-linked investment. ULIPs are goal-based financial solutions, linked to the capital market. Thus allowing the flexibility to invest in equity or debt funds, depending on the investor’s risk appetite. ULIPs help with capital appreciation over a long period of time, while providing insurance cover.
For a Customer , we as Gurukrupa Capital suggest to solution according to the customer needs, tax planning along with financial planning . Also we help customer to take perfect decision.
Life Insurance by Gurukrupa Capitals
Health Insurance
Health insurance policies cover the cost of medical treatment. Health insurance helps a customer by ensuring that insurer pays the insured for sum insured for health care expenses that might arise due to hospitalization, accident, illness.
Type Of Health Insurance
- 1. Individual Health Insurance
- 2. Family Floater Health Insurance
- 3. Group Health Insurance
- 4. Senior Citizens Health Insurance
- 5. Critical Illness Insurance
- 6. Maternity Health Insurance
- 7. Top-Up Health Insurance
Benefits of Health Insurance
The benefits of medical insurance policies are not limited to providing mental peace. It offers a wide array of benefits to the insured. Find some of the key benefits of health plans in the below section.
Comprehensive Cover
In case of any medical emergency, a health plan will protect you against medical expenses. Generally,... insurance policies cover in-patient hospitalization expenses, pre-hospitalization and post-hospitalization expenses, ambulance expenses, domiciliary hospitalization expenses, daycare procedures, organ donor expenses, AYUSH system of medical treatments, and so on. Also Cover OPD Expenses.
Lifetime Renewal
According to the guidelines of the Insurance Regulatory and Development Authority... Of India (IRDA), it is significant to provide policyholders with lifetime renewability advantages. It enables you to renew your insurance plan without any age restrictions. The feature is of great advantage for parents and senior individuals since they can renew their existing insurance plans without having to hunt for new health plans in their old age.
Cashless Treatment
Insurance companies have tie-ups with many of hospitals, known as network hospitals,... where the insured can avail of cashless treatment. If you avail treatment at these hospitals, the insurance company will directly settle the bills at the hospital, and you will not be required to pay anything for the treatment availed, except for non-medical expenses incurred.
Portability
In case you are dissatisfied with your existing health plan or company, the portability feature will... allow you to switch from your existing insurance company to another. Hence, this feature will save your right of being abused or taken for granted. If you are not happy with your existing plan or company you can shift by following the simple and easy steps.
Tax Benefits U/S 80D
Under Section 80D of the Income Tax Act of 1961, the government of India promotes health policies... by providing tax exemptions of up to Rs. 1.5 Lakh on premiums paid for insurance plans. Individuals can also claim a tax deduction of up to Rs. 25,000 for insurance coverage for themselves, their spouses, and their dependent children. Besides, you can also claim a tax deduction of up to Rs. 25,000/Rs. 50,000 for health insurance policies purchased for parents over the age of 60.
Health Insurance by Gurukrupa Capitals
General Insurance
General Insurance protects the policy Holder against financial loss in the event of an incident involving. A vehicle and property they own, such as traffic. The different forms of general insurance are fire, marine, motor, accident and other miscellaneous non-life insurance
Motor Insurance
Motor insurance is a contract between a vehicle owner and the insurance company where the insurance company compensates for the loss arising from accidents, burglary, or third party injuries/death. It can also cover any personal injury, to you or to your passengers due to a mishap.
Why Do You Need Motor Insurance?
Compliance with the law
According to the Motor Vehicles Act, having a third-party car insurance policy is compulsory by law. Therefore, every car plying ... on Indian roads must be covered at least by 3rd party insurance. Without a valid policy, you could end up getting into trouble with the lawand would have to pay hefty traffic fines.
Protection from third-party liability
Third-party liability arises when the insured four-wheeler causes accidental damage ... to a third-party vehicle or property or injuries to a third-party person. Third-party car insurance or even a comprehensive car insurance policy covers these third-party liabilities and protects the policyholder of the insured car from financial damages. At Tata AIG, we offer four-wheeler insurance policies that come with basic as well as extensive insurance cover to protect you from a host of damages
Cover against theft
If your four-wheeler or the car parts are stolen, then your car insurance policy can cover the financial damages ... and compensate you for the loss of the car or the replacement or repair of the car parts. In case of total loss (damage beyond repair) or theft of your car, Tata AIG ensures a quick and convenient settlement process to provide you with the sum insured of your car.
Protection against financial losses
If there is a bump or deep scratch on your car due to an accidental collision or an act of vandalism ... can lead to financial damages. Here, an Own Damage cover or comprehensive car insurance is useful as they offer complete protection to the insured vehicle from various kinds of damages, right from theft and accidents to damage due to natural disaster and more.
Cover against natural calamities
In case of floods, cyclones, storms, earthquakes or other natural calamities, your car can face significant... damages and the extent of repairs can get costly. The financial plan provided by your four-wheeler insurance cover helps take care of these damages so that your car is safe and in good condition even in harsh weather.
Personal Accident Cover
With a car insurance policy, you can avail of a personal accident cover of up to ₹15 lakhs, as per guidelines issued by the Insurance Regulatory and ... Development Authority of India, in the event of bodily injuries, disability or even death of the policyholder or the owner-driver of the vehicle.
General Insurance by Gurukrupa Capitals
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