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Even before you start to invest for life goals, it is especially important to have a health insurance plan. You also need to decide if you should go with an individual health plan or a family floater. Both are indemnity plans, i.e., they reimburse the actual expense incurred during hospitalisation up to the sum insured under the scheme. The sum insured in a health insurance plan represents the maximum amount of claim that the insurer agrees to settle or reimburse subject to the policy conditions. The individual health plan must be bought in the name of everyone, could be both spouses, children, parents etc. In case of a claim by one member, the sum insured of other members remains intact.

Vehicle insurance is just like any other insurance policy, but unlike other insurances, it is a must. As the name suggests, it is an insurance that is related to all types of motor vehicles-motorcycles, cars, jeeps, commercial vehicles etc. Vehicle insurance has been made mandatory by the government for your safety and the safety of others.