Secure your Health, Wealth & Happiness
- Quick, easy and hassle free
- Instant policy issuance
What is Insurance?
Insurance is an /agreement between the policyholder and an insurance company, wherein the policyholder pays a premium, and in return, the company provides financial protection in case of unexpected events during the policy term.
Insurance can cover different areas of life, such as Term life, Health, Motor (Car, Bike), Home and Travel.
Types of Insurance Policies
Term
A payout to beneficiaries upon the policyholder’s death. There are two types: term life (coverage for a set period) and permanent life (lifetime coverage, usually capped at 99 years of age).
Health
Covers routine and emergency medical costs, including hospital bills, medicines, and doctor fees, ensuring financial security.
Travel
Covers financial protection against unexpected events during travel, including medical emergencies, trip cancellations, lost luggage, and delays. Helps manage unforeseen expenses and disruptions.
Home
Covers your home and belongings against damage or loss from fire, theft, vandalism, and natural disasters.
Car
Covers damage in auto (Car and Two-wheeler) accidents, repairs, and theft.
Why Do You Need Insurance
Insurance helps protect you, your family and your assets. It covers unexpected medical expenses, hospitalization, accident-related car damage or injury to others, and home damage or theft.
Things to Consider While Buying an Insurance Policy
- Coverage Amount
Ensure the sum assured is enough to support your family. - Policy Type
Choose a plan that fits your financial goals. - Terms & Conditions
Check grace periods, waiting periods, coverage terms and surrender charges - Claim settlement Ratio
Choose an insurer with a good percentage of successful claim settlements. - Add-on Riders
Enhance coverage with riders like critical illness, accidental death, or waiver of premium. - NCB
No Claim Bonus or NCB is a reward given by an insurance company to an insured for not raising any claim requests during a policy year. - Deductibles
Know the out-of-pocket amount you must pay before you claim for a coverage. - Premium Payment Mode
Pick a payment mode that ensures you can make payments comfortably (monthly, yearly, or lump sum). - Inclusion and Exclusions
Understand what treatments and conditions are covered and what are not.
Benefits of Buying Insurance Online
Quick policy issuance
Since journey and premium payment are completed online by the buyer, the policy issuance is also faster compared to offline purcahse.
Compatively lower premiums
Online policies have a slighlty lower premium because the third party partner's commission is eliminated.
Convenient to buy
Buying insurance online does not require physical visit to an insurer's office and also it can be bought anytime, anywhere; making online buying of insurance more convenient
The information mentioned herein above is only for consumption by the client and such material should not be redistributed.
ICICI Securities Ltd. Registered office - ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025, India, Tel No : 022 - 6807 7100. ICICI Securities acts as a Composite Corporate agent having registration number –CA0113. Corporate Agent of ICICI Prudential Life Insurance Company Ltd, HDFC Life Insurance Company Limited, ICICI Lombard General Insurance Company Ltd, Care Health Insurance Ltd, Star Health and Allied Insurance Ltd, HDFC ERGO General Insurance Company Limited, ManipalCigna Health Insurance Company Ltd, Aditya Birla Health Insurance Co. Limited, Tata AIG General Insurance Company Limited & Go Digit General Insurance Limited. Please note, Insurance related services are not Exchange traded products and ICICI Securities is acting as a corporate agent to solicit these products. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism. The contents herein above shall not be considered as an invitation or persuasion to trade or invest. ICICI Securities and affiliates accept no liabilities for any loss or damage of any kind arising out of any actions taken in reliance thereon. Investments in securities market are subject to market risks, read all the related documents carefully before investing. Insurance is the subject matter of the solicitation. The advertisement contains only an indication of the cover offered. For more details on risk factors, terms, conditions and exclusions, please read the sales brochure carefully before concluding a sale. ICICI Securities Ltd. does not underwrite the risk or act as an insurer. By clicking on above advertisement, you understand and agree to allow ICICI Securities Ltd to contact you through Calls, SMSs, Emails etc. to offer you other products and services of ICICI Securities, on all days (including Sundays), irrespective of your preference.
Disclosure: Insurance Products are regulated by Insurance Regulatory and Development Authority of India. ICICI Securities Limited is a IRDA registered Corporate Agent with Reg. no.: CA0113.
ICICI Securities is just acting as distributor and all disputes with respect to such distribution activity, would not have access to SCORES/ODR, Exchange investor redressal forum or Arbitration mechanism.
*Please note Brokerage would not exceed the SEBI prescribed limit.