insurance ppt.pptx

8/10/2019 INSURANCE PPT.pptx

1/14

ASSIGNMENT ON

INSURANCE

SCHEMES OF HDFC

SUBMITTED BY:- SUBMITTED TO:-

PRANAY GUNJAN MAM

MAYANKHIMANSHU

ADITYA

SUMIT


2/14

Motor Insurance

These days, travelling via vehicle is inevitable &

a routine for most of us. Hence security becomes

necessity in case of vehicle damage, loss of

vehicle, third party liability, etc. A Motor insurancesafeguards your finances and gives you the

desired coverage in the event of such incidents.

Secure your vehicle from financial liabilities orloss of motor vehicle that you may face with our

Motor Insurance plans.
http://www.hdfcergo.com/motor-insurance/private-car-insurance.htmlhttp://www.hdfcergo.com/motor-insurance/private-car-insurance.html


3/14

TYPES OF MOTOR INSURANCE

1.PRIVATE CAR INSURANCE

2.TWO WHEELER INSURANCE3.COMMERCIAL VEHICLE


4/14

Private Car Insurance

Private Car insurance ensures that you and your car stay safe andsecured. Private Car Insurance has to be one of the first things youbuy after your car.

Features Of Private Car Insurance:-Accident by external meansBurglary, House Breaking Theft

Fire, Explosion, Self Ignition, LightningTerrorism, Riots, Strikes, Malicious ActsTransit by road, rail, inland waterways, air or liftEarthquake, Flood, Storm, Landslide or Rockslide
http://www.hdfcergo.com/motor-insurance/private-car-insurance.htmlhttp://www.hdfcergo.com/motor-insurance/private-car-insurance.html


5/14

2 Wheeler Insurance

2-wheeler is most commonly a prized possession for Indians.Whether you go to work or to a nearby grocery store, a motorbikeproves to be a mode of convenience. It becomes the favorite mode

while traversing the traffic-struck roads.

FeaturesLiability To Third PartiesThe two wheeler insurance policy would also cover your legal liability

arising out of an Injury / Death of a third party and Property Damage of

a third party incase of an accident involving your vehicle.Personal Accident Cover For Owner - DriverThe two wheeler insurance policy also provides for a mandatory

Personal Accident Cover For Owner Driver for an amount of Rs. 1 Lac

Covering Accidental Death and Permanent Total Disability.
http://www.hdfcergo.com/motor-insurance/two-wheeler-insurance.htmlhttp://www.hdfcergo.com/motor-insurance/two-wheeler-insurance.htmlhttp://www.hdfcergo.com/motor-insurance/two-wheeler-insurance.htmlhttp://www.hdfcergo.com/motor-insurance/two-wheeler-insurance.htmlhttp://www.hdfcergo.com/motor-insurance/two-wheeler-insurance.htmlhttp://www.hdfcergo.com/motor-insurance/two-wheeler-insurance.htmlhttp://www.hdfcergo.com/motor-insurance/two-wheeler-insurance.htmlhttp://www.hdfcergo.com/motor-insurance/two-wheeler-insurance.htmlhttp://www.hdfcergo.com/motor-insurance/two-wheeler-insurance.html


6/14

Commercial Vehicle

Any damages to your commercial vehicles might hamper yourbusiness activities. In order to safeguard your financial liabilities

while your commercial vehicle stands damaged and to ensure that

your business keeps going.

FeaturesLoss or damage to the vehicle insured caused by any one of the

following events:

Accident by external means

Burglary, House Breaking or Theft

Fire, Explosion, Self Ignition, Lightning

Terrorism, Riots, Strikes, Malicious Acts

Transit by road, rail, inland waterways, air or lift

Earthquake, Flood, Storm, Landslide or Rockslide
http://www.hdfcergo.com/motor-insurance/commercial-vehicle-insurance.htmlhttp://www.hdfcergo.com/motor-insurance/commercial-vehicle-insurance.htmlhttp://www.hdfcergo.com/motor-insurance/commercial-vehicle-insurance.htmlhttp://www.hdfcergo.com/motor-insurance/commercial-vehicle-insurance.html


7/14

HEALTH INSURANCE

Medication and hospitalization play a substantial role whileensuring the health of a family. Rising medical treatment costs

and soaring medicine prices are enough to drain your savings, if

not well prepared. When someone in the family is hospitalized, all

you wish to focus on is the health recovery without looking at thefinances. A Health insurance acts as a protection measure of

saving your finances in the event of you or your family member

getting hospitalized.

Key HighlightsOptimized health insurance plans at affordable rates

Option to choose Individual or Family Floater Health Insurance

Choose a health insurance plan from either an annual policy or a

two year policy


8/14

Get a Cumulative Bonus on completion of every claimless year

Health check-up not mandatory for individuals below 45 years of

age

Get benefits on Income Tax under Section 80D of the Income TaxAct

No Sub-limits on hospital room rents, hospital expenses, specific

diseases and doctor fees.

Exclusion Policy

.War or any sort of armed conflicts.Breach of any law with an intent of crime

Suicide attempts/ Suicide, injuries due to an act of self-destruction or self-

inflicted injury

Terrorist activities, radioactivity or war

Claims for illnesses arising due to intoxication of Drugs and Alcohol

AIDS / HIV


9/14

Home Insurance

Home is where the heart is, as rightly said. A home is the place of

innumerable memories; no money is better spent than what is

invested on your home. Thus safeguarding your home from

unforeseen events becomes a priority and the best way can be

securing with home insurance.

Home Insurance PlanWith HDFC Home Insurance Policy, we can choose to cover the

structure of your home only or include the household contents as

well in a single policy with minimum documentationThe policy covers:Fire and Special Perils: Building(Section I) and Contents(Section IA)

covers the structure of your home and contents against

Fire, Lightning, Explosion/Implosion, Aircraft Damage

Riot, Strike, Malicious and Terrorist Damages


10/14

Bursting and overflowing of water tanks, apparatus, pipes

Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado,

Flood and Inundation

Earthquake, Volcanic Eruption & other Convulsions of NatureImpact damage by rail/road vehicle and animal

Subsidence and Landslide including Rockslide

Missile testing operations


11/14

Personal Accident Insurance

Accidents are unforeseen and inevitable. Such mishaps take only

seconds to turn life upside down. Moreover, the impact is felt on

the emotional as well as financial grounds. It can even drain your

lifetime savings, leaving your family in a difficult situation without

resources or help. Hence, securing your familysfuture & enabling

their basic day-to-day needs in your absence becomes utmostpriority for you.

A Personal Accident Insurance ensures the financial stability for

you and your family in the event of an accident. The policy covers

death of individual, physical injuries and bodily burns.FeaturesAccidental DeathIf the physical injuries due to an accident

leads to death of the insured, 100% of the Policy Sum Insured is

reimbursed


12/14

Permanent Total DisablementIf the physical injuries due to an accident

results in permanent disablement, then up to 100% of the Policy Sum Insured is

payable to the insured

Broken BonesIf the physical injuries to the insured results in bone fractures,

then up to 10% of Policy Sum Insured is payable under the policy

Hospital Cash (Illness & Accident)In the event of insureds accident or illness,

a daily assistance for hospitalization up to 45 days is provided

BurnsIf an accident results in hospitalization of the insured and treatment of

burns, up to 5% of Policy Sum Insured is payable

Ambulance ExpenseAmbulance costs incurred on the insured post-accidentare reimbursed as per the policy

Exclusions Intentional acts Injuries from Civil or Foreign Wars

Accidents resulting due to Alcohol/Drug influence

Accidents while riding a two-wheeler of more than 150 cc

Injuries during active involvement in violent public disorder /labour disturbance

Injured on duty with military/police force or a paramilitary organization

Injuries resulting from participation in unsafe sports


13/14


14/14

Rest assured on Our Travel Claims Support Team on call 24*7

Optimum coverage at low costs

Online purchase option available

General covers available across all our plans are as followsEmergency Medical Expenses:Covers medical costs incurred due to

illness or accident including medically necessary and prescribed

emergency evacuation. It covers outpatient, in-patient, medical aid,

therapies and diagnostic tests as described in the policy scheduleEmergency Medical Evacuation:Evacuation to the home country is

covered up to the medical sum insured chosen

Repatriation of remains: Covers the funeral expenses or expenses of

repatriating the remains back to India, in case of death of the insured

overseas

Emergency Dental Expenses:Covers acute anesthetic treatment of

natural teeth

Hospital Cash:Pays a daily allowance as stated in the policy schedule in

the event of hospitalization either due to sickness or accidents

insurance ppt.pptx

Documents