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Investment Option Comparable To Fixed Deposit And That Too Completely Income Tax Free! Invest Now……

INVESTMENT OPTION COMPARABLE TO FIXED DEPOSIT AND THAT TOO COMPLETELY INCOME TAX FREE!
INVEST NOW……
Insurance companies in recent times have introduced GUARANTEED INCOME INSURANCE PLANS which have all the features of a fixed deposit and that too completely income tax free, such as :
1. Pay one time (Single Premium)
2. You will receive predetermined assured lump sum tax free amount on 5th or 10th or 15th policy years as per your choice.
3. Income Tax Benefit under Section 80C on premium paid.
4. Sum assured of 10 times of the premium paid, hence Income is tax free under Section 10(10D).
ASSURED RETURN : In the range of 4.1% to 6% – Income Tax Free, depending upon tenure of investment and age of the applicant.
WE ARE NOT COUNTING THE BENEFIT OF LIFE INSURANCE HERE. We can say Life Insurance in the above plans is absolutely FREE.
This is a tax free product so it is the best suited plan for NRIs as there is no need to bother for yearly compliances.
For more details please contact us.
👉 Before taking any insurance plan, please contact us for better understanding
Mob. No. : +91 6358755770, +91 7043893388
Email: rm.insurance@ashutoshfinserv.com
www.ashutoshfinserv.com
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Learning of 2020… "Be Insured", Do Not Forget To Implement It In 2021

𝐋𝐄𝐀𝐑𝐍𝐈𝐍𝐆 𝐎𝐅 𝟐𝟎𝟐𝟎… “𝐁𝐄 𝐈𝐍𝐒𝐔𝐑𝐄𝐃”, 𝐃𝐎 𝐍𝐎𝐓 𝐅𝐎𝐑𝐆𝐄𝐓 𝐓𝐎 𝐈𝐌𝐏𝐋𝐄𝐌𝐄𝐍𝐓 𝐈𝐓 𝐈𝐍 𝟐𝟎𝟐𝟏
We were always taught that LIFE, HEALTH & ASSET insurance are very important for everybody. The events of 2020 has sent a loud and clear message to all, “BE INSURED” otherwise it will not only disturb the peace of mind but also make our life and that of our family members miserable. We should implement this in the New Year 2021 for sure.
Following are the different type of insurance plans everyone should know and consider buying the one suitable:
➡️ LIFE INSURANCE:
TERM PLAN:
With Term Plan one can take big amount of insurance paying a small premium. In this uncertain time of life every individual having financial responsibilities should have Term Plan to financially secure his/her family.
ULIP PLAN:
This is the good way to secure one’s family financially. This plan gives many options to invest and gain tax free returns with insurance facility. Its best feature is internal switch between different funds without paying any taxes. It will create a corpus for your family and help your family in absence of you.
GUARANTEED INCOME PLAN:
This is a very good plan which can provide you guaranteed return with multiple pay out option. With this plan one can have arranged for a long term tax free income which is like a guaranteed tax free pension.
➡️ HEALTH INSURANCE:
MEDICLAIM POLICY:
Last year was a lesson for us in respect of our health’s fragileness. Any time anybody can be trapped in deadly disease, for that everyone must be insured by a mediclaim policy.
TRAVEL INSURANCE:
One who had traveled abroad has stick in the abroad and faces many challenges away from home. If one would have travel insurance, he/she have felt secure financially. So it is very important to have travel insurance while you travel abroad.
GROUP HEALTH INSURANCE:
Health Insurance of each and every employee is a mandatory requirement as per government guidelines to open and run any commercial activity. Group Health Insurance is the fair option where an organization can get insured its employee at reasonable cost.
➡️ GENERAL INSURANCE:
VEHICLE INSURANCE:
This is a mandatory requirement by law, in this passing year many changes happened in traffic rules and without insurance of a vehicle one may have to pay heavy penalty. It is a coverage which will not only ensure the insurance coverage of the vehicle but the most important feature being it covers the owner and driver for the third party damages caused due to the vehicle.
FIRE & EARTHQUAKE INSURANCE INSURANCE:
Many unfortunate fire incidents have happened in last year, one has suffered big loss of life and assets. Everyone should learn that each and every property should be insured so that one has not to suffer this type of losses. Now a days we feel daily Earthquake shocks, one can never know when a major earthquake happen and one have to bear a loss big of assets and/or life.
PERSONAL ACCIDENT INSURANCE:
In modern era of fast life, more accidents are happening. It is quite possible that one may have to face an accident due the other’s mistake. In such scenario everyone should be insured by a Personal Accident Insurance policy.
WORKMEN COMPENSATION INSURANCE:
In this testing times one is responsible for their workers insurance, even it is a small enterprise or may it be a house help, one should take Workmen Compensation Insurance. It is also mandatory by law.
BY CONSIDERING ALL THE ABOVE ASPECT, ONE MUST HAVE ALL THE ABOVE INSURANCE AS PER HIS/HER REQUIREMENT. ASHUTOSH INSURANCE SERVICES OFFER ALL THE ABOVE INSURANCE PLANS. BEFORE TAKING ANY INSURANCE PLEASE CONTACT US FOR BETTER UNDERSTANDING.
 We offer insurance plans of many companies, we suggest best plan suitable for you after comparing the plans of all these companies, with the lowest premium, best company and best features as per one’s need.
Contact us to get the best insurance plan for you.
Mob. No. : +91 6358755770, +91 7043893388
Email: rm.insurance@ashutoshfinserv.com
www.ashutoshfinserv.com
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Have You Incurred Any Expenses; Which Could Be Claimed Under Any Insurance Policy?

HAVE YOU INCURRED ANY EXPENSES; WHICH COULD BE CLAIMED UNDER ANY INSURANCE POLICY?
CHECK UP TO MAKE SURE; THE EXPENSES COULD BE ELIGIBLE FOR CLAIM.
Some of the features for which normally people don’t claim from their insurance policies.
For example
Health Insurance:
◾Expenditure on medical checkup.
◾Second opinion of an expert Doctor.
◾Daily cash expenses over and above medical expenses, for ‘Add on’ which may help to get the full claim amount.
Motor Insurance:
◾Passenger insurance for two wheeler.
◾Engine protector benefit is allowed although accident has not happened.
Workman Compensation Insurance:
◾Workman compensation insurance also covers accidental insurance while employee is travelling for the company work or
◾Travelling to come to the work place from home or
◾Travelling to go to home from work place.
Personal Accident Insurance:
◾Fracture related OPD treatment is allowed under some good personal accident insurance plans.
Travel Insurance:
◾If flight gets delayed, one is eligible to claim for compensation.
◾If you meet with accident, insurance company can pay for the liability of opposite party’s claim amount.
Check your policies for these types of features. You can also consult us to understand your policy features.
Contact us on:
Email: insurance@ashutoshfinserv.com
Mobile:: +91 63587 55770 / 70438 93388
Before taking any insurance please contact us for better understanding.
Disclaimer:
Insurance is a subject matter of solicitation.
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An Attractive Option Comparable To Fixed Deposit, Tax Free Bonds, Perpetual Bond Investments.

ARE YOU LOOKING FOR A FIXED INCOME INVESTMENT OPTION?
An attractive option comparable to Fixed Deposit, Tax Free Bonds, Perpetual Bond, etc..
GUARANTEED INCOME INSURANCE PLAN from different Insurance companies offer many plans suitable for you like :
1. You pay for 5,6,8,10,12,etc years and get lump sum amount back with guaranteed income at 10 years to 40 years.
2. You pay for 5,6,8,10,12, etc years and get an attractive income back guaranteed every year till your age of 99 years and also get back full amount which you paid via yearly premium. Please note that you or your nominee is confirmed to receive yearly payment till this period of time.
3. You pay for single or 5 or 10 premiums and get lifelong guaranteed tax free income every year.
Assured Income : 5.04 to 5.867% (Tax Free).
Effective return for 31.2% tax paying individual: Approx 7.33% to 8.546%.
WE ARE NOT COUNTING THE BENEFIT OF LIFE INSURANCE HERE. You can say Life Insurance in the above plans is FREE.
This is a tax free income product so it is the best suited plan for NRIs as there is no need to bother for yearly compliances.
Think Smartly – INVEST IN INDIA’S ONE OF THE LONGEST DURATION guaranteed income cum Insurance option.
Please refer JPG file attached herewith for better understand.
For more details please contact us.
Before taking any insurance please contact us for better understanding
Mob. No. : +91 6358755770, +91 7043893388
Email: rm.insurance@ashutoshfinserv.com
Follow us using Ashutoshfinserv at Facebook , Instagram , Youtube , Twitter & Linkedin.
We invite NRIs to become our REFERRAL PARTNERS for promoting NRI Services globally with attractive terms.
Disclaimer: Insurance is a subject matter of solicitation.

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Life Insurance Term Plan – Benefit, Sum Assured, Premiums – Compare And Buy The Best Suited To Your Needs.

Life insurance Term Plan is an insurance where you can get large amount of insurance at a small premium. A term plan is the pure form of life insurance.
◾ As you get a large Lump-sum amount on your death, you can secure your family after your death and provide financial protection to your family.
◾ This term plan can be taken by anyone between the ages of 18-65. Additional insurance can be taken based on their income, health status, and current life insurance amount.
◾ Flexibility of years of insurance and premium, for how many years you want life cover and for how many years you want to pay premium.
◾ 18 year old person will be able to take a term plan of Rs 1 Crore till he reaches the age of 65, only @ Rs. 24 premium per day. Same way 30 year old person can get @ 32/- rupees a day and 40 year old person can get @ 50/- rupees a day.
◾ Non-smoker and non-Tobacco user can get more benefit in premium.
◾ Women can get lower premium for insurance than men.
◾ You can also choose the option for refund of your all paid premiums after the end of the policy term.
◾ You can also choose additional riders such as a rider with to get a lump sum amount when critical illnesses occur or a rider with the benefit of accidental death.
◾ You can also get tax benefits under 80(C).
◾ We offer insurance plans of many companies, we suggest best plan suitable for you after comparing the plans of all these companies, with the lowest premium, best company and best features as per your requirement. Contact us to get the best insurance plan for you.
Mob. No. : +91 6358755770, +91 7043893388
Email: rm.insurance@ashutoshfinserv.com
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Latest And Practical Information On Important Points Of Insurance Claims For Covid 19

– કોવીડ ૧૯ ના ઈન્સ્યોરન્સ કલેઈમ માટે ના અગત્યના મુદ્દાઓ ઉપર અદ્યતન અને વ્યવહારુ માહિતી
– There are so much confusion and misunderstanding prevailing for COVID 19 claims in the mind of CORONA KAVACH and REGULAR MEDICLAIM policy holders.
– હાલમાં કોરોના કવચ અને રેગ્યુલર મેડીકલેઇમ પોલીસી ધારકોના મનમાં કોવીડ ૧૯ ના કલેઈમ વિષે ખુબજ મુંઝવણ અને ગેરસમજણ જોવામાં આવી રહી છે.
COVID – 19 FAQ for the claim
(as per the best of our knowledge)
1. What type of test will be considered as valid for claim of COVID – 19 in a Regular Mediclaim policy and Corona Kavach policy if a person is diagnosed positive? From where will the RT-PCR test report should be get done?
Ans. RT-PCR is a valid Test for claim for COVID – 19 medical expenses from Regular Mediclaim policy and Corona Kavach policy. RT-PCR test report must be done only from government –authorized / ICMR authorized diagnostic center, then only claim will be paid.
(૧) ક્યાં પ્રકારના ટેસ્ટ રીપોર્ટ પરથી કોઈ વ્યક્તિ COVID – 19 એટલે કે કોરોના પોઝીટીવ છે તેવું માન્ય રાખવામાં આવશે? અને તે રીપોર્ટ કઈ જગ્યાએથી કરાવેલ હોવો જોઈએ તો જ કોરોના કવચ અને રેગ્યુલર હેલ્થ/મેડીકલેઇમ પોલીસી માં મળતા ક્લેઈમ માટે માન્ય ગણવામાં આવશે?
જવાબ : RT-PCR ટેસ્ટ રીપોર્ટ કોઈ ગવર્નમેન્ટે ઓથોરાઈઝ્ડ/ICMRએ માન્ય કરેલ ડાયગ્નોસ્ટિક સેન્ટરમાથી જ કરાવેલ હોવો જરૂરી છે તો જ કોરોના કવચ અને રેગ્યુલર હેલ્થ/મેડીકલેઇમ પોલીસી માં ક્લેઈમ માટે માન્ય ગણવામાં આવશે.
2. Can a claim be made for hospitalization due to COVID 19, from Corona Kavach policy or in any health / Mediclaim policy?
Ans. Policy holder is entitled to receive a claim after 24 hours of being admitted to the hospital under any Mediclaim policy or Corona Kavach Policy for COVID 19.
(૨) કોરોના કવચ અને રેગ્યુલર હેલ્થ/મેડીક્લેઈમ પોલીસી લીધા પછી કેટલા દિવસ પછી ક્લેઈમ કરીએ તો ક્લેઈમ મળવાપાત્ર છે?
જવાબ : કોરોના કવચ પોલીસી લીધાના ૧૫ દિવસ અને રેગ્યુલર હેલ્થ/મેડીક્લેઈમ પોલીસી લીધાના ૩૦ દિવસ પછી જ કોરોના પોઝીટીવ આવશે તો જ કલેઈમ મળવાપાત્ર છે.
3. After taking the Corona Kavach policy or Regular Mediclaim policy, after how many days cover will start?
Ans. After laps of 15 days from taking the Corona Kavach Policy and after laps of 30 days from taking Regular Mediclaim Policy, cover will start for COVID 19.
(૩) કોરોના કવચ પોલીસી અને રેગ્યુલર હેલ્થ/મેડીક્લેઈમ પોલીસીમાં કોરોનાના કારણે જો હોસ્પિટલમાં દાખલ કરવામાં આવે તો હોસ્પિટલ માં થતા ખર્ચાઓ નો કલેઈમ મળવાપાત્ર છે?
જવાબ : હા, ઓછામાં ઓછુ ૨૪ કલાક દાખલ થયેલ હશે તો જ ક્લેઈમ મળવાપાત્ર છે. તદઉપરાંત ઘરે રહીને સારવાર લીધી હોય તે કલેઈમ પણ શરતોને આધીન મળવાપાત્ર છે.
4. When Policy holder is admitted to the hospital for treatment of Corona, is he eligible to receive claim amount for all the expenses incurred in the hospital under the Corona Kavach policy and Regular Mediclaim policy?
Ans. When Policy holder is admitted to the hospital for treatment of Corona, he will get expenses as per the local authority’s circular on the cost of treatment of Corona which is given to that perticular Hospital. Every person will have to seek for this circular from the hospital as the cost of Corona’s treatment will be paid by the insurance company as per the circular under Corona Kavach policy or any Regular Mediclaim policy.
(૪) કોરોનાની સારવાર માટે જયારે હોસ્પિટલમાં દાખલ થાવ છો, ત્યારે કોરોના કવચ પોલીસી અને રેગ્યુલર હેલ્થ/મેડીક્લેઈમ પોલીસી હેઠળ હોસ્પિટલમાં થયેલા કેટલા ખર્ચ માટે ક્લેઈમ મળવાપાત્ર છે?
જવાબ : કોરોનાની સારવાર માટે હોસ્પિટલમાં દાખલ થાવ છો ત્યારે તે વિસ્તારના કોર્પોરેશને કોરોનાની સારવાર માટે કેટલો ખર્ચ આપવામાં આવશે તેનો એક સરક્યુલર તે હોસ્પિટલમાં આપેલ હશે તે સરક્યુલર હોસ્પિટલમાંથી માંગી લેવાનું રહેશે કારણ કે કોરોનાની સારવાર માટેનો થતો ખર્ચ ઇન્સ્યોરન્સ કંપની દ્વારા કોરોના કવચ પોલીસી અને રેગ્યુલર હેલ્થ/મેડીક્લેઈમ પોલીસી હેઠળ તે સરક્યુલર પ્રમાણે જ ચુકવવામાં આવશે.
5. After detection of Corona if policy holder get treatment being isolated at home or any other place, will he / she can be eligible for claim under Corona Kavach or Regular Mediclaim policy?
Ans. Yes, if policy holder stays isolated and get Corona treatment, policy holder can get a claim under Corona Kavach policy. In addition, if policy holder has a regular mediclaim policy, your agent should check to see that whether your policy covers the cost of treatment of that nature or not, because some mediclaim policies do not cover such claims, especially mediclaim policies like Arogya Sanjeevani, Group Health Insurance, Mediclaim Policy offered by the bank, Health Benefit policies do not cover home treatment.
Under the Corona Kavach and Regular Mediclaim Policy (if the cost of treatment is allowed than only) the claim will be granted only if the following conditions are met.
• Actually Policy holder have to stay in the hospital for treatment, but he is taking treatment at home because there is no bed available in the hospital or he does not need to be admitted to the hospital. So, if an authorized medical practitioner/doctor gives such permission on the letter head of a recognized hospital with sign and stamp than it will be allowed.
• While Policy holder is receiving treatment at home, the medical practitioner/doctor of the authorized hospital monitors Policy holder health condition on a daily basis, a record (chart) should be maintained and the treatment should be mentioned in that record. Once this record (chart) is ready, it should be signed by Policy Holder and the doctor of the authorized hospital.
• The following costs will be reimbursed if it is prescribed by medical practitioner of the authorized hospital for Corona.

  • Costs for medication and reports, etc.
  • Costs of Pulse Oximeter, Oxygen Cylinder, Nebulizer, PPE Kit, etc.

• The maximum cost for Homecare / Domiciliary treatment will be approved up to Rs. 20,000/- by BAJAJ ALLIANZ GENERAL INSURANCE COMPANY’s Corona Kavach policy and certain other prescribed regular Mediclaim policy of the same company. There is currently no such limits for Corona Kavach policy of IFFCO TOKIO GENERAL INSURANCE CO. LTD. and STAR HEALTH AND ALLIED INSURANCE CO. LTD.
• In the regular Mediclaim policy of TATA AIG GENERAL INSURANCE CO. LTD., the claim will be approved only if the Policy Holder is treated at home for at least three days or more as per the following conditions in the feature called Domiciliary Treatment. But claim for Nursing Charge, Pulse Oximeter, Oxygen Cylinder, Nebulizer, etc. will not be reimbursed under this policy.

  • When a person is not in a condition to go to the hospital.
  • When there are no vacancies in the hospital.

• The OPTIMA RESTORE policy of HDFC ERGO HEALTH INSURANCE CO. LTD. does not provide any limit for Corona to be treated at home. But only reasonable cost for PPE kit will be allowed.
(૫) કોરોના થયા પછી ઘરે રહીને સારવાર લઈએ તો કોરોના કવચ પોલીસીમાં કે રેગ્યુલર હેલ્થ/મેડીક્લેઈમ પોલીસીમાં કલેઈમ મળવાપાત્ર થશે ?
જવાબ : હા,
(અ) તમે ઘરે રેહીને કોરોનાની સારવાર લ્યો છો તો કોરોના કવચ પોલીસીમાં ક્લેઈમ મળવાપાત્ર છે, (બ) જો રેગ્યુલર હેલ્થ/મેડીક્લેઈમ પોલીસી હોય તો તમારા એજન્ટ પાસે તમારી પોલીસીમાં ઘરે રહીને સારવાર માટેનો ખર્ચ મળે છે કે નહિ તે તપાસ કરાવડાવી લેવી જોઈએ. કારણ કે અમુક મેડીક્લેઈમ પોલીસીમાં આવો ક્લેઈમ મળતો નથી, ખાસ કરીને `આરોગ્ય સંજીવની’, ગ્રુપ હેલ્થ ઈન્સ્યોરન્સ, બેંક દ્વારા આપવામાં આવતી મેડીક્લેઈમ પોલીસી, હેલ્થ બેનીફીટ પોલીસીઓમાં ઘરે રહીને થતી સારવાર નો સમાવેશ થતો નથી હોતો.
કોરોના કવચ પોલીસી અને રેગ્યુલર હેલ્થ/મેડીક્લેઈમ પોલીસી હેઠળ (જો ઘરે રહી ને સારવાર નો ખર્ચ એલાવ થતો હશે) કલેઈમ તો જ મળશે જો નીચે આપેલ શરતોનું પાલન થશે. :

    • વાસ્તવમાં તમારે હોસ્પિટલમાં રહીને સારવાર લેવાની થતી હોય છે, પરંતુ તમારે ઘરે રહીને સારવાર લેવી પડશે કારણ કે હોસ્પિટલમાં કોઈ બેડ ખાલી નથી અથવા તો હોસ્પિટલમાં દાખલ થવાની જરૂર નથી, જો આવું લખાણ માન્ય હોસ્પિટલના લેટર ઉપર ત્યાના કોઈ ઓથોરાઈઝ્ડ મેડીકલ પ્રેક્ટીશનર સાઈન અને સ્ટેમ્પ સાથે લખીને આપશે.
    • જયારે તમે ઘરે રહીને સારવાર લ્યો છો તે સમય દરમિયાન ઓથોરાઈઝ્ડ હોસ્પિટલના મેડીકલ પ્રેક્ટીશનર દ્વારા દરરોજ સ્વાથ્યની સ્થિતિની દેખરેખ થાય છે, તેનો એક રેકોર્ડ (ચાર્ટ) બનાવવાનો રહેશે અને તે રેકોર્ડમાં જે – જે સારવાર લેવામાં આવે છે તેનો પણ ઉલ્લેખ કરવાનો રહેશે. આ રેકોર્ડ (ચાર્ટ) તૈયાર થઈ ગયા પછી તેના પર આપની અને આપની સારવાર માટે આવતા ઓથોરાઈઝ્ડ હોસ્પિટલના ડોક્ટરની સહી કરાવાની રહેશે.
    • તમારા ઓથોરાઈઝ્ડ હોસ્પિટલના મેડીકલ પ્રેક્ટીશનરે પ્રિસ્ક્રાઇબ્ડ કરેલ હશે તો નીચેના ખર્ચાઓ મળવાપાત્ર થશે :
      • દવાઓ અને રીપોર્ટ માટેના ખર્ચ
      • Pulse Oximeter, Oxygen Cylinder, Nebulizer, PPE Kit ના ખર્ચ
    • ઘરેથી સારવાર માટેનો વધુમાં વધુ રૂ.૨૦,૦૦૦/- સુધીનો ખર્ચ મળવાપાત્ર છે. આ ખર્ચ BAJAJ ALLIANZ GENERAL INSURANCE CO. LTD. ની કોરોના કવચ પોલીસીમાં અને આ જ કંપનીની અમુક ચોક્કસ નક્કી કરેલ રેગ્યુલર હેલ્થ/મેડીક્લેઈમ પોલીસીમાં આપવામાં આવશે. IFFCO TOKIO GENERAL INSURANCE CO. LTD. અને STAR HEALTH AND ALLIED INSURANCE CO. LTD. મા કોરોના કવચ પોલીસીમાં હાલ કોઈ આવી લીમીટ આપેલ નથી.
    • TATA AIG GENERAL INSURANCE CO. LTD. ની રેગ્યુલર હેલ્થ/મેડીક્લેઈમ પોલીસીમાં Domiciliary Treatment નામના ફીચર્સમા નીચેની શરતો મુજબ ઘરેથી ઓછામાં ઓછા ત્રણ દિવસ કે તેનાથી વધારે દિવસો માટે કોરોનાની સારવાર લેવામાં આવશે તો જ ક્લેઈમ મળવાપાત્ર થશે. પરંતુ નર્સિંગ ચાર્જ, Pulse Oximeter, Oxygen Cylinder, Nebulizer માટે ક્લેઈમ મળવાપાત્ર નથી.
      • જયારે કોઈ વ્યક્તિ હોસ્પિટલ સુધી જઈ શકે તેવી હાલતમાં ન હોય.
        • જયારે હોસ્પિટલમાં કોઈ રૂમ ખાલી ન હોય ત્યારે.
  • HDFC ERGO HEALTH INSURANCE LTD. મા OPTIMA RESTORE નામની પોલીસીમાં કોરોના માટે ઘરેથી સારવાર લેવા માટે કોઈ લીમીટ આપેલ નથી. પરંતુ PPE કીટ માટે રીઝનેબલ ખર્ચ મળવાપાત્ર છે.

6. When insured person is hospitalized or treated at home are there any costs which cannot be covered by the Corona Kavach policy or regular Mediclaim policy?
Ans. Every insurance company has a NON PAYABLES LIST for which the insurance company does not pay any claim amount in Corona Kavach policy or regular Mediclaim policy. The Policy Holder should ask for this list while taking any Mediclaim policy. This non-payable list is subject to change from time to time.
(૬) તમે હોસ્પિટલમાં દાખલ થયા હોય કે ઘરે રહીને સારવાર લીધેલ હોય ત્યારે થયેલા એવા કોઈ ખર્ચાઓ છે કે જે ખર્ચાઓ કોરોનાના ક્લેઈમ માટે કોરોના કવચ પોલીસીમાં કે રેગ્યુલર હેલ્થ/મેડીક્લેઈમ પોલીસીમાં મળવાપાત્ર જ નથી? .
જવાબ : દરેક ઇન્સ્યોરન્સ કંપનીનું એક NON PAYABLES LIST હોય છે કે જેના માટે ઇન્સ્યોરન્સ કંપની કોરોના કવચ પોલીસીમાં કે રેગ્યુલર હેલ્થ/મેડીકલેઈમ પોલીસીમાં કોઈ પણ પ્રકારનો કલેઈમ ચુકવતી નથી. આવું લીસ્ટ પોલીસી લેતી વખતે જ જાણી લેવું જોઈએ. આ ‘નોન પેયેબલ લીસ્ટ’ માં સમયાંતરે ફેરફાર થતા રહેતા હોય છે.
7. If a person is given treatment of another Illness along with Corona, when he is admitted to the hospital due to Corona, is he eligible for claim for the cost of treatment of that other Illness?
Ans: Under the Corona Kavach policy, no other illness treatment costs can be claimed accept Corona. But if one has taken a regular Mediclaim policy, then the cost of treatment for Corona as well as for other illness treatment is payable as per the terms of that regular Mediclaim policy.
(૭) જો કોઈ વ્યક્તિની કોરોનાની સાથે-સાથે અન્ય બીમારીની પણ હોસ્પિટલમાં સારવાર કરવામાં આવે છે તો કોરોના કવચ પોલીસી અને રેગ્યુલર પોલીસી હેઠળ તે અન્ય બીમારીની સારવાર ના ખર્ચનો ક્લેઈમ મળવાપાત્ર છે ?
જવાબ : કોરોના કવચ પોલીસી હેઠળ માત્ર કોરોનાને લગતા જ ખર્ચાઓ નો કલેઈમ મળવાપાત્ર છે કોઈ બીજી બીમારીના સારવાર માટેના ખર્ચાઓ નો કલેઈમ મળશે નહિ. પરંતુ રેગ્યુલર હેલ્થ/મેડીક્લેઈમ પોલીસી લીધેલ હશે તો કોરોના અને બીજી પણ બીમારી માટે હોસ્પિટલમાં સારવાર લેવાના ખર્ચ જે તે રેગ્યુલર હેલ્થ/મેડીક્લેઈમ પોલીસી ની શરતો મુજબ મળવાપાત્ર છે.
8. If Policy Holder travels abroad after taking Corona Kavach policy and then comes back and diagnosed a Corona positive, will the claim be eligible in Corona Kavach policy and Regular Mediclaim policy?
Ans. If Policy Holder has traveled abroad after taking the policy and the Corona comes positive after his return to India, the insurance company can reject the claim in the Corona Kavach policy but if you have taken a Regular Mediclaim policy, the claim will be eligible.
(૮) કોરોના કવચ પોલીસી લીધા પછી કોઈ વિદેશમાં ટ્રાવેલ કરે છે અને ત્યાર પછી અહિયાં આવીને કોરોના થાય છે તો કોરોના કવચ પોલીસીમાં અને રેગ્યુલર પોલીસીમાં ક્લેઈમ મળવાપાત્ર થશે ?
જવાબ : જો કોઈ પણ વ્યક્તિએ પોલીસી લીધા પછી વિદેશ ટ્રાવેલ કરેલ હશે અને તેના ભારતમાં પરત આવ્યા પછી કોરોના પોઝીટીવ આવશે તો ઇન્સ્યોરન્સ કંપની કોરોના કવચ પોલીસીમાં ક્લેઈમ રીજેક્ટ કરી શકે છે. પરંતુ રેગ્યુલર હેલ્થ/મેડીક્લેઈમ પોલીસી લીધેલ હશે તો ક્લેઈમ મળવાપાત્ર છે.
– Please feel free to contact us for any type of your Insurance queries.
– આપના ઈન્સ્યોરન્સ અંગેના કોઈ પણ પ્રશ્નો માટે વિના સંકોચ અમારો સંપર્ક કરી શકો છો.
Ashutosh Insurance Services
Insurance for your Life, Health and Assets
Email : insurance@ashutoshfinserv.com.
Mo. : +91 63587 55770, +91 70438 93388
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Disclaimer:
Insurance is a subject matter of solicitation.
Kindly find below link related to Coronavirus Kavach Policy FAQs.
https://www.ashutoshfinserv.com/wp-content/uploads/2020/09/Coronavirus-Kavach-policy-FAQs.pdf
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Insurance Services

Insurance – A Basic Necessity Today

As we all know in earlier times, Life, Medical and Car Insurance were considered enough to insure. But in recent times, each and every thing, which you can think, is insurable and required to be insured in this modern era of world. Today, the need of insurance can be summed up as– “Roti, Kapda, Makan and Insurance”.
At present, there are many types of insurance plans available in different segments of General, Health and Life. Moreover, Retirement planning can also be done through insurance plans.

GENERAL INSURANCE PLANS:

Insurance cover can be opted for many different purposes and one can get mental peace by transferring unforeseen risk to the Insurance company. The below stated General Insurance plans are should be subscribed.

  1. Fire and Special Perils Insurance
  2. Machinery and Equipment’s Breakdown Insurance
  3. Public Liability Insurance
  4. Workman Compensation Insurance
  5. Two wheeler, Car, Ambulance and other Vehicle Insurance
  6. Group Health Insurance
  7. Group Accident Insurance

HEALTH INSURANCE PLANS :

Health insurance is a very important need of any leaving human being. A glimpse of health insurance plans is given as under:

  1. Basic Health Insurance Plan : This type of Plan covers only basic expenses of hospitalization, pre & post hospitalization expenses and Ambulance expenses, etc. In this type of plan, the insured have to make co-payment for the Medical Bill. Cost of this type of plan is generally very low.
  2. Medium level Insurance Plan : This type of Plan comes with some more additional features than Basic Plan, i.e. Global Cover, Bariatric Surgery, Daily cash for accompanying child, etc. These types of plans are most popular plans.
  1. High end Insurance Plan : This type of Plans generally includes all type of features available under Health Insurance Plans. i.e. High end diagnostics, OPD treatment, Dental treatment with OPD treatment, Air Ambulance, etc. These types of plans are mostly taken by High net worth Individuals.
  2. Special Feature Plans (Benefit Plans) : This type of plan offers lump sum benefit if some illness happens. Most famous Plans are Critical illness Plan, Cancer Plan, Diabetes Plan, Cardiac Care Plan. At present COVID Insurance is in demand.
  3. Personal Accident Plans : Under this plan one can get insurance against financial loss from all type of accidental injuries. Under this plan one can get benefit for Death, Permanent disability, Partial disability, Income Loss, etc. More over one can get a lump sum amount for Loan, Child education, etc. Hospitalization expenses due to accident are also covered under this plan.

LIFE INSURANCE PLANS :

There are majorly three types of Life Insurance are available in the market, described as under :

  1. Term Insurance Plans : This type of Plans are most popular Life insurance plans at present. In this plan one can get sizable amount of insurance by paying very small amount of premium. In this plan many add-on covers and features can be included and one can get best plan suitable to him. One can get basic death benefit under this plan and if he wants than add-on like personal accident, return of premium, critical illness cover, premium waiver option, maturity benefit on monthly basis, can be added.
  2. Endowment Plans : This plan is best to save money regularly for long term in disciplined manner besides taking Life cover, one gets his money back, mainly via two segments one is Guaranteed Return Insurance Plan and other one is Reversionary Bonus plus Terminal Bonus driven Insurance Plan. In Guaranteed Return Insurance Plan one can get fixed assured return. But in Bonus driven plan return depends on bonus amounts declared by Insurance Company every year. With this plan generally one can get 10X to 20X insurance of yearly premium paid.
  3. Unit Linked Insurance Plan : Through this plan one can get market driven investment insurance plan. In this plan a person pays the premium and gets Units for available amount for investments. He gets benefited by increase in Unit’s price. This plan is best for Tax Free returns from Equity market with insurance facility.

Above is very basic understanding of various type of Insurance. For detail understanding of each plan one should take advice from a good Insurance advisor.

NEED FOR CUSTOMIZED SOLUTIONS :

In present times many Insurance plan are available for almost all types of financial risks. Insurance companies offer different features for same need of insurance. One has to choose the best suitable plan from different offers given by the insurance companies. An Insurance advisor can help you to provide  right option with required features by studying all the insurance plans and suggesting you customized solutions.

HOW TO CUT YOUR COSTS OF INSURANCE?

As we have stated above, an Insurance advisor can help you choose the best insurance plan in terms of features of the plan, along with cutting the costs of insurance by comparing the premium of various insurance plans available in the market. For example, government has made mandatory for every insurance company to give an insurance plan for COVID 19 with same features. If someone wants to take COVID 19 insurance, the advisor will suggest the best option with the least premium amount. Secondly, the unnecessary features can be avoided with the guidance of an able advisor while taking insurance, thereby saving unnecessary costs.

WORK WITH AGENTS/BROKERS WHO CAN OFFER MULTIPLE COMPANY’S INSURANCE PLAN :

A good advisor should have multiple insurance company products in offering to offer customized solutions and the most competitive plan in term of features and rate of premium. When an insurance advisor offers multiple company offerings, he is not representing a particular company but working to address the needs of his client in the best possible manner.

GUARANTEED RETURN UNDER THE INSURANCE PLAN TO BUILD A RETIREMENT INCOME OR CORPUS:

An attractive guaranteed income generating plan available in the market at present, through which one can invest a fixed amount yearly and get tax free income lifelong with return of capital amount. One can get fixed income till the age of 99 years. In other option one can pay premium for 10 years and from 12th year to 36th year get a very handsome amount as tax free income. It is the best plan against the pension plans or any bank fixed deposit of nationalized bank. One gets more than 10X insurance of yearly premium paid absolutely free. It will also give benefit of tax deduction u/s 80C.

One should definitely consider this plan for retirement planning. INSURANCE AS A VEHICLE OF INVESTMENT:

Unit linked insurance plan(ULIP) is a unique setup where one can get insurance as well as can do Tax Free investment in desired segment of investment. These days insurance company offers ULIP at very low expense ratio, so in longer term it is better option to invest your money through ULIP. So, one can get tax free returns at very low expense ratio. One can invest his money in ULIP and get benefit of deduction u/s 80C also. To do investment in equity in discipline manner for long term, ULIP is the best option.

Hence, one should take route of ULIP for growth-based investment in equity.

CONCLUSION

The role of insurance today has evolved to become a basic necessity in our lives. While selecting the insurance coverage, one should go for a holistic approach exploring different insurance offerings across Life, Health & General insurance plans.
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Covid – 19 Insurance Plan

COVID – 19 INSURANCE PLAN
Different Insurance companies charge different premium at different ages. Contact us for premium for your age.
FEATURES & BENEFITS :-
1) Sum Insured : 50,000 to 5,00,000
2) Policy Term : 105 days / 195 days / 285 days
3) Entry Age : 18 yrs. to 65 yrs. (1 day to 25 yrs depended children can be covered)
4) Policy Type : Individual / Floater
5) Cover Starts : After 15 days (Cover starts after 24 Hrs hospitalization)
6) AAYUSH Treatment covered
7) Homecare treatment covered for 14 days if advised by authorized doctor
8) Pre – Post Expenses : 15 days / 30 days
9) Ambulance expenses : Rs.2000
10) Daily cash : 0.5% of sum insured
11) COVID test expenses allowed
12) PPE kit, Gloves, Mask are covered
13) One can save his current medical policy – No Claim Bonus (NCB) by taking claim via this policy
14) No Pre policy medical Checkup
Ashutosh Insurance Services
A Division of
ASHUTOSH FINANCIAL SERVICES PVT. LTD.
•Investments •Insurance •Income Tax & Estate Planning •NRI Services
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Insurance Services

Guaranteed Return Insurance Plan From Different Companies

Guaranteed Return Insurance Plan of various companies is going for downward revision from 31.05.20 for maturity amount, as per current scenario of declining interest rates.
Guaranteed return insurance plan from different companies offer many plans suitable to you like :

  1. You pay for 5,6,8,10,12,etc years and get lump sum amount back with guaranteed return at 10 years to 40 years.
  2. You pay for 5,6,8,10,12, etc years and get an attractive amount back guaranteed every year till your age of 99 years and also get back full amount which you paid via yearly premium. Please note that you or your nominee is confirmed to receive yearly payment till this period of time.
  3. You pay for single or 5 or 10 premiums and get lifelong guaranteed tax free pension every year.

Return (YTM) : 5.04 to 6.069% (Tax Free IRR)
Effective return for 31.2% tax paying individual: Approx 7.33 % to 8.82 %
Moreover we are not counting the benefit of life insurance here.
Think Smartly..INVEST IN INDIA’S LONGEST DURATION guaranteed income cum Insurance option.
Please refer JPG file attached herewith for better understand.
For more details please contact us.

Ashutosh Insurance Services
Insurance for your Life, Health and Assets
Email : insurance@ashutoshfinserv.com.
Mo. : +919725219090

A Division of
ASHUTOSH FINANCIAL SERVICES PVT. LTD.

  • Investments •Insurance •Income Tax & Estate Planning •NRI Services

www.ashutoshfinserv.com
Before taking any insurance please contact us for better understanding
Disclaimer:
Insurance is a subject matter of solicitation.
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Why Should You Take A Group Insurance Instead Of An Individual Health Insurance?

Why should you take a group insurance instead of an individual health insurance?
A group health insurance is beneficial in several ways. You have to pay one single premium amount to secure a group of employees against any medical expenses. You can even cover their spouses and children in the same policy. So, there is a lot less hassle and documentation with just one group policy instead of many.
Who can take a group health insurance?
A group health insurance policy can be taken by an employer or a homogeneous employee group.
Are dependents covered under Group Medical Insurance?
Yes, the spouses and children of the insured individual are covered under group medical insurance policy.
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Compulsory Requirement Of Health Insurance For All Employees.

Compulsory requirement of HEALTH INSURANCE for all employees.
It is made mandatory by the order No. 40-3/2020-DM-I(A) of the Ministry of Home Affairs to take Medical Insurance of the employee by all the Offices, Workplaces, Factories and Establishments.
To provide you Medical Insurance at the best features at competitive rate we have compared many insurance company’s GROUP HEALTH INSURANCE PLANS and INDIVIDUAL HEALTH INSURANCE PLANS.
Minimum 10 employees are required for Comprehensive Group Health Insurance, in which cover starts from day one, for all the disease except Pre existing disease. Premium would be around 1000/- per person for the age group of 18 to 35.
We also offer Comprehensive Individual Health Insurance, where minimum premium would be around 2500/- for young age individual.
Above both options gives cover against COVID – 19 and all other illness too.
Please contact us for your health insurance requirements.
All the process will be completed on phone and email.
Thanks
We will provide advice and quotation even during this lockdown period. We can communicate to you by video call if required
Ashutosh Insurance Services
Insurance for your Life, Health and Assets
Email : insurance@ashutoshfinserv.com.
Mo. : +919725219090
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Are You Openning Your Business After Lockdown ?

Government has notified that every employer has to take health insurance for their employees mandatorily.
There are several plans available for Group Health Insurance of the Employees with very good features and cover against COVID-19.
Please contact us for best quotation of the Group health insurance.
Thanks
We will provide advise and quotation even during this lockdown period. We can communicate to you by video call if required

Ashutosh Insurance Services
Insurance for your Life, Health and Assets
Email : insurance@ashutoshfinserv.com.
Mo. : +919725219090

A Division of
ASHUTOSH FINANCIAL SERVICES PVT. LTD.

  • Investments •Insurance •Income Tax & Estate Planning •NRI Services

www.ashutoshfinserv.com

Before taking any insurance please contact us once for better understanding
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Present Time Is A Learning Time To Very Well Understand Importance Of Health Insurance

Present time is a learning time to very well understand importance of Health Insurance
To provide Health Insurance is not only a professional activity but also a social responsibility,
In this difficult time of pandemic, government has allowed Insurance companies to work as an essential services !
Because Insurance companies health plans cover medical expenses of COVID19 (Corona virus)
Today powerful and developed countries like America, China, France, Italy, Spain all are suffering from epidemic of Corona Virus. For this difficult time we should think and plan to meet with such unforeseen expenses! Because death and difficulties generally come suddenly.
So, by taking Health Insurance plan, which covers such medical expenses, make your family’s future bright and secure.

Thanks
We will provide advice and quotation even during this lockdown period. We can communicate to you by video call if required

Ashutosh Insurance Services
Insurance for your Life, Health and Assets
Email : insurance@ashutoshfinserv.com.
Mo. : +919725219090

A Division of
ASHUTOSH FINANCIAL SERVICES PVT. LTD.

  • Investments •Insurance •Income Tax & Estate Planning •NRI Services

www.ashutoshfinserv.com
Before taking any insurance please contact us once for better understanding
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Choose The Right Option For Fixed Returns

IF YOU THINK FIXED DEPOSIT IS THE BEST INVESTMENT OPTION FOR YOUR FUTURE THEN CHOOSE THE RIGHT OPTION FOR FIXED RETURNS.
It has been noticed that every 10 years, interest rate reduces by 3%.
1989            16%
1999            13%
2009            10%
2019              6%
2029              ?
ᴛʜᴇɴ ᴡʜᴀᴛ ɪᴛ ᴡɪʟʟ ʙᴇ ɪɴ 2029 ?
ᴘᴏssɪʙʟʏ 3% !
ᴀɴᴅ ᴡʜᴀᴛ ᴀʙᴏᴜᴛ 2039?
ᴘᴏssɪʙʟʏ 0%!
(Countries like France,Germany, Italy, Netherlands, Spain are having 0% interest rate while as Switzerland and Japan has negative interest rate.)
Think Smartly..INVEST IN INDIA’S LONGEST DURATION INSURANCE PLAN : TATA’s GRIP PLAN which has lifelong guaranteed income cum Insurance option.
Return (YTM) : 5.04 to 5.55% (Tax Free IRR)
Net IRR for 30% tax paying individual: Approx 6.8 % to 7.49 %
This kind of Insurance is also available with good sustained returns for next 10,15,20 years.

For more details please contact us.
Ashutosh Insurance Services
Insurance for your Life, Health and Assets

Email : insurance@ashutoshfinserv.com.
Mo. : +919725219090

A Division of

ASHUTOSH FINANCIAL SERVICES PVT. LTD.

  • Investments •Insurance •Income Tax & Estate Planning •NRI Services

www.ashutoshfinserv.com

Before taking any insurance please contact us once for better understanding.
Follow us using AshutoshFinserv on:
FACEBOOKINSTAGRAMYOUTUBETWITTER & LINKEDIN.
Disclaimer:
Insurance is a subject matter of solicitation.

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5 Reasons Why You May Not Need Life Insurance

Reason #1 you are never going to die.
Reason #2 you are going to inherit a fortune.
Reason #3 you are going to win the lottery.
Reason #4 you really don’t like your kids.
Reason #5 you expect the government to take care of your family.
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Medical Inflation Is Rising Alarmingly

  • 4 Crore People are Pushed Towards Poverty Every Year Because of Treatment Bills
  • 49 Out of Every 1.000 Indians Reporting of Aliment in Urban Sector end up Getting Hospitalized in a Year
  • 70% As per WHO Percentage of Indians pay for medical expenses out pocket
SURGERY CURRENT COST ESTIMATED COST AFTER
IN REPUTED HOSPITAL 5 YEAR 10 YEAR 20 YEAR
KNEE REPLACEMENT 4,00,000 7,70,166 14,82,889 54,97,369
HIP REPLACEMENT 3,00,000 5,77,624 11,12,166 41,23,047
HEART ANGIOPLASTY STENT 3,50,000 6,73,895 12,97,527 48,10,221
CABG 4,50,000 8,66,437 16,68,250 61,84,570
RENAL TRANSPLANT 6,00,000 11,55,249 22,24,333 82,46,094
DOUBLE VALVE REPLACEMENT 4,50,000 8,66,437 16,68,250 61,84,570
LIVER TRANSPLANT 30,00,000 57,76,244 1,11,21,664 4,12,30,470

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Top Benefits Of Having An Independent Insurance Agent

1. Your agent will help you easily track all your policies without any confusion.
2. Your agent will shop for the most competitive rates for you.
3. Your agent will make sure that you have all the coverage’s you need.
4. Your agent guarantees more time & money back in your wallet.
5. Your agent will act as a middleman between you and the big insurance company.
6. Your agent knows you’re not an insurance expert so they will take time to explain industry term & conditions to you so that you don’t miss anytime.
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How Much Life Insurance I Need ?

Underwriters Thumb Rule, Life insurance need is a multiple of annual income depending on the age(see below)

Age Worth of life insurance
20-30 15 x annual income
31-40 14 x annual income
41-45 12 x annual income
46-50 10 x annual income
51-55 8 x annual Income
56 Upward 6 x annual income

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How To Choose A Term Plan

Compare life insurance coverage Among various term plans, find out about the life insurance coverage available as well as availability of riders for coverage of accident, disability and critical illnesses.
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Premium Rise Inevitable

Term Insurance premium rise inevitable as reinsurer have already hiked the premium amounts. All insurance companies are going to rise their term insurance premium very soon. All who are thinking to take term life insurance should buy their insurance to get insurance at cheaper rate immediately. Contact us for comparison of premium amount and features of insurance plan. There are many types of Term Insurance in which only death benefit, death benefit with accidental benefit, death benefit with critical illness benefit, return of premium, increasing sum assured, etc are very popular. Now a days long term insurance plans are also available which gives you protection for lifetime.
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Are You Interested In Guaranteed Income Insurance Plan ?

Are you interested in Guaranteed Income Insurance Plan?
Then, kindly contact us to know more about the best Return on Investment plan from different Companies.
Ashutosh Insurance Services
Email : insurance@ashutoshfinserv.com.
Mo. : +91 9725219090.
A Division of
ASHUTOSH FINANCIAL SERVICES PVT. LTD.

  • Investments •Insurance •Income Tax & Estate Planning •NRI Services

www.ashutoshfinserv.com
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Attractive Plan By Tata

A very good attractive plan introduced by a company from 150 year old Tata group……
Features

  1. Lifelong Tax free income: Life Insurance Plan with attractive guaranteed return. (Much higher than taxable interest income of Top Banks).
  2. A person receives lifelong fixed tax free guaranteed amount till he/she and any one from spouse/son/daughter is alive. So, the best plan for retirement planning.
  3. Very attractive option in compare to Pension Plan, Fixed Deposit, Tax Free Bonds, Perpetual Bond, etc
  4. This is a tax free income product so it is the best suited plan for N.R.I.s as there is no need to bother for yearly compliances.

Please see attached PDF for more details.
https://www.ashutoshfinserv.com/wp-content/uploads/2020/10/Insurance.pdf

Please contact us for investing and to understand advantages of above plan.
Ashutosh Insurance Services
Email: insurance@ashutoshfinserv.com.
Mo. : +91 9725219090.

A Division of
ASHUTOSH FINANCIAL SERVICES PVT. LTD.

  • Investments •Insurance •Income Tax & Estate Planning •NRI Services

www.ashutoshfinserv.com
Follow us using AshutoshFinserv on:
FACEBOOK, INSTAGRAM, YOUTUBE, TWITTER & LINKEDIN.

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Ashutosh Insurance Services

Insurance facilitates moving of risk of loss from the insured to the insurer. The basic principle of insurance is to spread risk among a large number of people. A large population gets insurance policies and pay premium to the insurer. Whenever a loss occurs, it is compensated out of corpus of funds collected from the millions of policyholders.
According to Wikipedia, Insurance is the equitable transfer of the risk of a loss, from one entity to another in exchange for payment, known as Premium. It is a form of risk management, primarily used to hedge against the risk of a contingent, uncertain loss. Individuals and Institutions face different types of risks in their life cycles. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice. While not all of these risks are controllable, some of these can be managed through the concept of pooling of similar risks.
Insurance plans or policies are divided in 2 categories. They are life and general insurance. Life Insurance provides a monetary benefit to a decedent’s family or other designated beneficiary, and may provide for income to an insured person’s family.
All Non-life Insurances fall under General Insurance, which cover all related costs of the insured as well as his/her belongings. For instance, a Passenger Car Insurance covers your car; Health insurance covers your health, Home Insurance covers your home and its contents and a Travel Insurance policy insures you against untoward events during the travel.
We at Ashutosh Insurance Services (AIS), provides insurance solutions to secure your Life, Health & Assets. :

Life Insurance :

Our day-to-day life is full of unpredictable risks for example loss of life, loss of income, critical illness, disability etc. Ashutosh Insurance Services (AIS) does Insurance Planning to figure out adequate cover against “Insurable Risks” and getting the maximum out of the premium you pay. Many of us consider Insurance as another investment for tax saving, but in actuality, tax Exemption is just another advantage of it. We believe that insurance planning is an important step towards financial planning.
To advise an individual on their insurance needs, it is important to get a holistic view of the present and the future. Each of us has our own lifestyle, goals, aspirations and dependents, which may be completely different from the life situation of your friend or colleague. That is why only by doing need based analysis; we suggest different products including term plans to our clients. So what works for someone else may not work for you. And just like mutual funds, we keep on monitoring investments made under this head, especially in ULIP products.

Health Insurance :

One must have medical insurance for their self. Health insurance policy guarantees an insured that the insurer will shoulder medical payment as per the terms decided with the insurer. Any medical emergency can be therefore handled by this insurance. Hence, you have not to be worry for sudden medical expenses; you will get this money from the insurer.
Many Mediclaim Policy plan is available in market. We facilitate our clients to select the right policy plan from the various options available as we intend our clients to give value for money. We act as advisors to choose the best of the policy plan with right additional riders available in India.

General Insurance (Insurance for Assets, Personal Accident, etc.):

General insurance will help you mitigate the financial losses incurred due to bad surprises of life and damage to the assets you value most. It offers you financial protection against perils faced with regards to your property, vehicle, personal accidents, health and travel. The right general insurance policy will provide you with the right protection against risks or disasters, no matter how big or small. Loss from any kind of financial event will not bother you if you are insured. It is necessary to make all your properties secured so that you would not be left out with nothing. This security can only be provided by getting insurance. General insurance also includes insurance policies for burglary, theft, and many more. In addition, it also covers a special type of insurance such as professional indemnity.
We at Ashutosh Insurance Services along with knowledge and dedicated infrastructure will help you to choose the best of the policy plan with right additional riders available in India. We also provide complete after sales service related to claims & settlements, monitor your policy terms & renewals.

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