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Insurance Advisory Delhi NCR — Life · Health · Car · Commercial
Binod Kumar Shukla IRDA Certified Insurance Advisor aur LIC Authorised Agent hain. 30+ insurance companies ke products mein free guidance milti hai. Insurance subject to insurer underwriting aur policy terms.
Insurance Disclaimer: Insurance is a subject matter of solicitation. Benefits, exclusions, waiting periods, premiums and claim acceptance are subject to insurer underwriting and policy terms.
Life Insurance
- Term Life Insurance: Pure protection. High cover, low premium. Family ke liye.
- LIC Jeevan Anand / Endowment: Savings + protection combo. Maturity benefit.
- Money Back Policy: Regular payout at intervals + maturity + insurance cover.
- Kanya Dan Policy: Beti ki shaadi/education ke liye. Premium band ho toh bhi cover.
- Child Carrier Plan: Child ke future ke liye savings + insurance.
- Pension/Annuity: LIC Jeevan Akshay — retirement monthly income.
- ULIP: Insurance + market-linked investment. Returns not guaranteed.
Health Insurance
- Family Floater: Puri family ek plan mein. 5L to 50L cover.
- Individual Health: Single person. Higher sum insured.
- Critical Illness: Cancer, heart attack par lump sum amount.
- Senior Citizen Plan: 60+ age. Pre-existing disease options.
Vehicle Insurance
- Car / Bike / Scooty: Comprehensive + Zero Dep + NCB. IRDAI regulated.
- Truck (GCV): Commercial goods vehicle. Comprehensive + third party.
- Bus / School Bus (PCV): Passenger vehicles. Stage carriage, contract.
- Taxi / Auto / Fleet: Cab aggregator, fleet policies.
General Insurance
- Fire Insurance: Building, stock, machinery — fire + allied perils.
- Marine Insurance: Cargo, transit, import/export.
- Burglary Policy: Shop, home, office theft.
- Shopkeeper Policy: Fire + burglary + stock + liability combo.
- Workman Compensation: Employee accident/death employer liability.
- Personal Accident: Accidental death, disability.
- Public Liability: Third party injury/property damage.
- Professional Indemnity: Doctor, CA, lawyer, architect errors.
FAQs — Insurance
Term insurance aur endowment mein kya fark hai?▾
Term: Pure protection only — premium low, cover high. Maturity par nothing. Endowment: Savings + protection — premium high, maturity benefit milta hai. Term zyada cost-effective hota hai protection ke liye.
Health insurance family floater kitne ka lena chahiye?▾
Family size, age, city (metro vs tier 2), aur hospital preferences par depend karta hai. Generally Rs.10-20 lakh family floater recommended hai. Exact cover Binod sir guide karenge.
Insurance claim reject kyun hota hai?▾
Policy terms mein exclusions, waiting period, non-disclosure of pre-existing conditions. Policy documents carefully padhein. Binod sir claim documentation mein guidance dete hain.
Insurance Guidance — Free
Binod sir best-fit insurance options compare karenge. No pressure, honest guidance.
Insurance Disclaimer: Insurance is a subject matter of solicitation. Benefits, exclusions, waiting periods, premiums and claim acceptance are subject to insurer underwriting and policy terms.
Insurance Advisory Delhi NCR — Life · Health · Car · Commercial
Binod Kumar Shukla IRDA Certified Insurance Advisor aur LIC Authorised Agent hain. 30+ insurance companies mein best options compare karne mein free guidance milti hai.
Insurance Disclaimer: Insurance is a subject matter of solicitation. Benefits, exclusions, waiting periods, premiums and claim acceptance are subject to insurer underwriting and policy terms.
Life Insurance
- Term Life: Pure protection. High cover, low premium. Family ko financial security.
- LIC Jeevan Anand / Endowment: Savings + protection. Maturity par lump sum.
- Money Back: Regular payouts + maturity benefit + life cover.
- Kanya Dan Policy: Beti ki education/shaadi corpus. Even if premium stops, cover continues.
- Child Carrier Plan: Child ke future ke liye savings + insurance protection.
- Pension/Annuity (LIC): LIC Jeevan Akshay — monthly income at retirement.
- ULIP: Insurance + market-linked investment. Returns vary — not guaranteed.
Health Insurance
- Family Floater: Puri family ek policy mein. Rs.5-50 lakh cover. Cashless hospitals.
- Critical Illness: Cancer, heart attack par lump sum amount. Subject to policy terms.
- Senior Citizen Plan: 60+ age. Pre-existing disease options. Limited exclusions.
Vehicle Insurance
Private Vehicles
- Car — Comprehensive, Zero Dep, NCB protect
- Bike / Scooty — Two-wheeler, EV
Commercial Vehicles
- Truck (GCV) — goods vehicle, comprehensive
- Bus / School Bus (PCV) — passenger carrier
- Taxi / Auto / Fleet policies
General / Commercial Insurance
Property & Assets
- Fire Insurance — building, stock, machinery
- Marine — cargo, transit, import/export
- Burglary — shop, home, office
- Shopkeeper Policy — fire+burglary+stock combo
Liability & Other
- Workman Compensation — employee injury/death
- Personal Accident (PA) — accidental disability
- Public Liability — third party damage
- Professional Indemnity — doctor, CA, lawyer
FAQs
Term insurance aur endowment mein kya fark hai?▾
Term: Pure protection — low premium, high cover, no maturity benefit. Endowment: Savings + protection — high premium, maturity benefit milta hai. Pure protection ke liye term zyada cost-effective hota hai. Both subject to insurer terms.
Health insurance family floater kitne ka lena chahiye?▾
Family size, age, city, aur cashless hospital preferences par depend karta hai. Delhi NCR mein generally Rs.10-25 lakh recommended. Binod sir specific comparison guidance denge.
Claim reject kyun hota hai?▾
Policy exclusions, waiting period viola, pre-existing condition non-disclosure, late intimation. Policy documents carefully padhein. Binod sir claim documentation mein guidance dete hain.
Professional Indemnity insurance kiske liye hai?▾
Doctor, lawyer, CA, architect, consultant, engineer — professional errors/omissions se legal liability cover. Benefits subject to policy terms.
Insurance Guidance — Free
Best options compare karein. Binod sir honest guidance denge — koi pressure nahi.
Insurance Disclaimer: Insurance is a subject matter of solicitation. Benefits, exclusions, waiting periods, premiums and claim acceptance are subject to insurer underwriting and policy terms.
Insurance Advisory Delhi NCR — IRDA Certified Insurance Advisor
Binod Kumar Shukla IRDA Certified Insurance Advisor aur LIC Authorised Agent hain. 30+ insurance companies ke products mein comparison guidance milti hai. Insurance subject to insurer terms.
Insurance Disclaimer: Insurance is a subject matter of solicitation. Benefits, exclusions, waiting periods, premiums and claim acceptance are subject to insurer underwriting and policy terms.
Life Insurance
- Term Life Insurance: Pure protection, low premium, high cover. Subject to underwriting.
- LIC Jeevan Anand / Endowment: Savings + protection. Maturity benefit. Subject to LIC terms.
- Money Back Policy: Regular payouts + maturity + life cover.
- Kanya Dan Policy: Beti ki shaadi/education corpus. Subject to LIC policy terms.
- Child Carrier Plan: Child ke future ke liye savings + insurance.
- LIC Pension/Annuity: Retirement monthly income. Subject to policy terms.
- ULIP: Insurance + market-linked investment. Returns NOT guaranteed.
Health Insurance
- Family Floater: Puri family ek policy mein. Rs.5-50 lakh cover. Cashless hospitals.
- Critical Illness: Cancer, heart attack par lump sum. Subject to policy conditions.
- Senior Citizen Plan: 60+ age. Pre-existing options. Subject to waiting periods.
Vehicle Insurance
Private Vehicles
- Car — Comprehensive, Zero Dep, NCB
- Bike / Scooty — Two-wheeler
- EV (Electric Vehicle)
Commercial Vehicles
- Truck (GCV) — Goods vehicle
- Bus / School Bus (PCV)
- Taxi / Auto / Fleet policies
General / Commercial Insurance
Property & Assets
- Fire Insurance — building, stock, machinery
- Marine Insurance — cargo, transit
- Burglary — shop, home, office
- Shopkeeper Policy — combo cover
- Householder Policy
Liability & Other
- Workman Compensation — employee injury
- Personal Accident (PA)
- Public Liability
- Professional Indemnity
- Travel Insurance
FAQs
Term insurance aur endowment mein kya fark hai?▾
Term: Pure protection, low premium, no maturity. Endowment: Savings + protection, maturity benefit, higher premium. Both subject to insurer underwriting.
Health insurance family floater kitne ka lena chahiye?▾
Delhi NCR mein minimum Rs.10 lakh recommended. Family size, age, hospital preferences par depend. Binod sir comparison guidance denge. Subject to insurer terms.
Professional indemnity insurance kiske liye hai?▾
Doctor, lawyer, CA, architect — professional errors se legal liability cover. Benefits subject to policy terms.
Workman compensation policy kya cover karti hai?▾
Employee workplace accident, injury, death — employer statutory liability. Policy terms, exclusions insurer par depend.
Insurance Guidance — Free
Best options compare karein. Binod sir IRDA Certified Insurance Advisor hain.
Related: Life Insurance · Home Loan · Financial Planning
Insurance Disclaimer: Insurance is a subject matter of solicitation. Benefits, exclusions, waiting periods, premiums and claim acceptance are subject to insurer underwriting and policy terms.