SMART MONEY, SECURE HEALTH: Policies to Secure Your Health And Savings

Ankur Nikam

Individual &  Family Floater

Individual: Covers one person; Family Floater: One policy for the whole family under a single sum insured, cheaper than multiple policies.

Senior Citizen & Critical Illness

Senior Citizen: Coverage for 60+ with pre-existing ailments; Critical Illness: Lump sum on major diseases; Benefit: Protects retirement savings.

Mediclaim vs. Top-Up

Traditional policy covers hospitalization costs, while a Top-Up adds extra coverage after deductible at a lower cost.

Term Insurance

Pure Protection: Big coverage at low cost! Lump sum payment on death, or get back all premiums with TROP. Ensures peace of mind & debt protection.

Personal Accident Plan

Ideal for labour-intensive jobs or frequent travellers. Covers accidental injury, disability, or death with benefits like surgery costs, rehab, and income support for permanent disability.

 Maternity Health Insurance

Designed for couples planning a baby – covers pregnancy, delivery, and new-born care. Helps avoid high hospital costs with smart planning!

 ULIPs: Invest & Insure

Unit-Linked Insurance Plans combine investment and insurance. Part of your premium grows in market-linked funds, while the rest provides life/health cover, offering wealth creation and financial security in one.

Tax Advantage & Peace of Mind

Save smart! Health & term plans offer tax benefits under Sections 80C & 80D, protecting your family and wealth with peace of mind.

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