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Insurance - What is insurance, how does it work, types & benefits
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aria-label="Co-branded Credit Cards">Co-branded Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/rbl-bank-bankbazaar-savemax-credit-card.html" title="RBL SaveMax Credit Card" aria-label="RBL SaveMax Credit Card">RBL SaveMax Credit Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/finbooster-yes-bank-bankbazaar-co-branded-credit-card.html " title="Yes Bank FinBooster Credit Card" aria-label="Yes Bank FinBooster Credit Card">Yes Bank FinBooster Credit Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-credit-card.html" title="HDFC Credit Cards" aria-label="HDFC Credit Cards">HDFC Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-credit-card.html" title="SBI Credit Cards" aria-label="SBI Credit Cards">SBI Credit Cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/indusind-credit-card.html" title="Indusind Bank Credit cards" aria-label="Indusind Bank Credit cards">Indusind Bank Credit cards</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/credit-card/top-10-credit-cards-in-india.html" title="Top 10 Credit Cards" aria-label="Top 10 Credit Cards">Top 10 Credit Cards</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-school mr-2 h-full"><path d="M14 22v-4a2 2 0 1 0-4 0v4"></path><path d="m18 10 4 2v8a2 2 0 0 1-2 2H4a2 2 0 0 1-2-2v-8l4-2"></path><path d="M18 5v17"></path><path d="m4 6 8-4 8 4"></path><path d="M6 5v17"></path><circle cx="12" cy="9" r="2"></circle></svg>Home Loans<!-- --> <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan.html" title="Compare Home Loans" aria-label="Compare Home Loans">Compare Home Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/emi-calculator.html" title="Home Loan Calculator" aria-label="Home Loan Calculator">Home Loan Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-interest-rate.html" title="Home Loan Interest Rates" aria-label="Home Loan Interest Rates">Home Loan Interest Rates</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-eligibility.html" title="Home Loan Eligibility" aria-label="Home Loan Eligibility">Home Loan Eligibility</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan-balance-transfer.html" title="Home Loan Transfer" aria-label="Home Loan Transfer">Home Loan Transfer</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/pradhan-mantri-awas-yojana.html" title="PMAY" aria-label="PMAY">PMAY</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-home-loan.html" title="SBI Home Loan" aria-label="SBI Home Loan">SBI Home Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-home-loan.html" title="HDFC Home Loan" aria-label="HDFC Home Loan">HDFC Home Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Personal Loans<!-- --> <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan.html" title="Compare Personal Loans" aria-label="Compare Personal Loans">Compare Personal Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan/emi-calculator.html" title="Personal Loan Calculator" aria-label="Personal Loan Calculator">Personal Loan Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan-interest-rate.html" title="Personal Loan Interest Rates" aria-label="Personal Loan Interest Rates">Personal Loan Interest Rates</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan-eligibility.html" title="Personal Loan Eligibility" aria-label="Personal Loan Eligibility">Personal Loan Eligibility</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-personal-loan.html" title="SBI Personal Loan" aria-label="SBI Personal Loan">SBI Personal Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-personal-loan.html" title="HDFC Personal Loan" aria-label="HDFC Personal Loan">HDFC Personal Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Other Loans<!-- --> <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/car-loan.html" title="Car Loan" aria-label="Car Loan">Car Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/two-wheeler-loan.html" title="Two Wheeler Loan" aria-label="Two Wheeler Loan">Two Wheeler Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/education-loan.html" title="Education Loan" aria-label="Education Loan">Education Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gold-loan.html" title="Gold Loan" aria-label="Gold Loan">Gold Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/loan-against-property.html" title="Loan Against Property" aria-label="Loan Against Property">Loan Against Property</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calculator mr-2 h-full"><rect width="16" height="20" x="4" y="2" rx="2"></rect><line x1="8" x2="16" y1="6" y2="6"></line><line x1="16" x2="16" y1="14" y2="18"></line><path d="M16 10h.01"></path><path d="M12 10h.01"></path><path d="M8 10h.01"></path><path d="M12 14h.01"></path><path d="M8 14h.01"></path><path d="M12 18h.01"></path><path d="M8 18h.01"></path></svg>Calculators<!-- --> <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/finance-tools/emi-calculator.html" title="EMI Calculator" aria-label="EMI Calculator">EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/emi-calculator.html" title="Home Loan EMI Calculator" aria-label="Home Loan EMI Calculator">Home Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan/emi-calculator.html" title="Personal Loan EMI Calculator" aria-label="Personal Loan EMI Calculator">Personal Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/car-loan/emi-calculator.html" title="Car Loan EMI Calculator" aria-label="Car Loan EMI Calculator">Car Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/tax/income-tax-calculator.html" title="Income Tax Calculator" aria-label="Income Tax Calculator">Income Tax Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/fixed-deposit/fd-calculator.html" title="FD Calculator" aria-label="FD Calculator">FD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/recurring-deposit/rd-interest-calculator.html" title="RD Calculator" aria-label="RD Calculator">RD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/calculators.html" title="All Financial Calculators" aria-label="All Financial Calculators">All Financial Calculators</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Investments<!-- --> <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/fixed-deposit-rate.html" title="Fixed Deposit" aria-label="Fixed Deposit">Fixed Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/recurring-deposit-rates.html" title="Recurring Deposit" aria-label="Recurring Deposit">Recurring Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/savings-account.html" title="Savings Account" aria-label="Savings Account">Savings Account</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes.html" title="Saving Schemes" aria-label="Saving Schemes">Saving Schemes</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gold-rate-india.html" title="Gold Rate" aria-label="Gold Rate">Gold Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/silver-rate-india.html" title="Silver Rate" aria-label="Silver Rate">Silver Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/mutual-fund.html" title="Mutual Funds" aria-label="Mutual Funds">Mutual Funds</a></li></ul></div></details></div><span><a href="/credit-score.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-wallet-cards mr-2 h-full"><rect width="18" height="18" x="3" y="3" rx="2"></rect><path d="M3 9a2 2 0 0 1 2-2h14a2 2 0 0 1 2 2"></path><path d="M3 11h3c.8 0 1.6.3 2.1.9l1.1.9c1.6 1.6 4.1 1.6 5.7 0l1.1-.9c.5-.5 1.3-.9 2.1-.9H21"></path></svg><span class="flex-auto "><strong><p class="text-sm ">Credit Score</p></strong></span><img src="https://www.bankbazaar.com/images/common/bbicons-menu-free-badge.webp" alt="FREE" title="FREE" width="40" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-file-text mr-2 h-full"><path d="M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z"></path><path d="M14 2v4a2 2 0 0 0 2 2h4"></path><path d="M10 9H8"></path><path d="M16 13H8"></path><path d="M16 17H8"></path></svg>Govt. Utility Documents<!-- --> <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/pan-card.html" title="Pan Card" aria-label="Pan Card">Pan Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/aadhar-card.html" title="Aadhaar Card" aria-label="Aadhaar Card">Aadhaar Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/voter-id.html" title="Voter ID" aria-label="Voter ID">Voter ID</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/electricity-bill.html" title="Electricity Bill" aria-label="Electricity Bill">Electricity Bill</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/driving-licence.html" title="Driving Licence" aria-label="Driving Licence">Driving Licence</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/passport.html" title="Passport" aria-label="Passport">Passport</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/visa.html" title="Visa" aria-label="Visa">Visa</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gas-connection.html" title="Gas Connection" aria-label="Gas Connection">Gas Connection</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/ration-card.html" title="Ration Card" aria-label="Ration Card">Ration Card</a></li></ul></div></details></div><span><a href="/getapp.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><span class="mr-2"><img src="https://www.bankbazaar.com/images/common/bbicons-menu-download-app.webp" alt="Download App" title="Download App" width="25" height="28" style="max-width:100%;display:inline"/></span><span class="flex-auto "><strong><p class="text-sm ">Download Mobile App</p></strong></span><img src="https://www.bankbazaar.com/images/common/bbicons-menu-android-star-badge.webp" alt="Badge" title="Badge" width="12" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-umbrella mr-2 h-full"><path d="M22 12a10.06 10.06 1 0 0-20 0Z"></path><path d="M12 12v8a2 2 0 0 0 4 0"></path><path d="M12 2v1"></path></svg>Insurance<!-- --> <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 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insurance?</h2><p class="text-base ">Insurance refers to a mutual agreement or a policy that an individual purchases from an insurance company by paying premiums on yearly, monthly or quarterly basis to the insurance company. In return, the insurance company protects the buyer or the policyholder from any kind of loss or risk that may occur in the future.</p><p class="text-base ">Apart from individuals, both public and private sector organization can purchase insurance to protect their employees. It's basically a kind risk management scheme by using which the insured person can get protection against possible eventualities such as loss, sickness, death, loss done to his/her belongings etc.</p><p class="text-base ">Insurance is the only financial instrument that helps you manage your financial risks smoothly and reduces your financial worries.</p></div><div><div class="flex flex-col gap-1"><h2 class="text-lg font-bold pt-5">Types of Insurance in India</h2><p class="text-base ">There are different types of issuance available in India. Listed below are the major types:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong><a href="https://www.bankbazaar.com/insurance/life-insurance.html" target="_blank">Life Insurance</a></strong> : It is kind of shared bond between an insured individual and an insurance company wherein you pay a certain amount of money as premiums on monthly, yearly or quarterly basis to an insurance company. The insurance company, in return, protects you against future eventualities such as loss or damage done to you, your family members and property. There are different life insurance plans available in India offered by both private and public life insurance companies to help you meet your different financial needs at different junctures of life. The sum assured received from life insurance plans can be used for fulfilling a variety of tasks such security after retirement, protection against health care cost. Life insurance policies not offer risk coverage, you can also borrow money against certain policies. These policies come with a lot of benefits such as death benefits, maturity benefits and tax benefits. Life insurance plans in India normally fall under two major categories namely “Whole Life Insurance Plan” and “<a href="https://www.bankbazaar.com/insurance/life-insurance.html" target="_blank">Term Life Insurance Plan</a>”.</li><li class="pt-1 pb-1"><strong><a href="https://www.bankbazaar.com/insurance/health-insurance.html" target="_blank">Health Insurance</a></strong> : Another type of insurance available in India is Health insurance. It gives you protection you against the medical costs incurred in hospitalization due to illness or accident, nursing care, surgeries, consultation, diagnostic tests, ambulance service, hospital accommodation, medical bills etc. The only thing you have to do to avail these benefits is to purchase a health insurance policy by paying a certain amount of premium to your insurance provider periodically. The insurance provider will take the complete responsibility of protecting you against the cost involved in medical treatment. Certain health insurance policies also pay for regular medical checkups.</li><li class="pt-1 pb-1"><strong><a href="https://www.bankbazaar.com/insurance/car-insurance.html" target="_blank">Car Insurance</a></strong> : The idea of purchasing a new car in India isn’t complete without the associative purchase of a good car insurance policy. As the name so aptly implies, car insurance is designed to save the owner of a vehicle from the often exuberant financial liability that is set to occur when his/her cherished vehicle meets with an unfortunate accident or is deemed lost. Accidents come in different forms- both natural and man-made, with a robust car insurance policy providing comprehensive protection against both these unforeseen instances.</li><li class="pt-1 pb-1"><strong><a href="https://www.bankbazaar.com/insurance/two-wheeler-insurance.html" target="_blank">Two Wheeler Insurance</a></strong> : In India, the number of two wheelers massively outnumber four wheelers. Thus, for most Indians, a robust two wheeler insurance policy that protects their bikes or scooters against natural or man-made accidents is an essential investment. Almost all insurers in India offer two wheeler insurance as a priority offering in their arsenal of products with the additional option of specific add-on covers that take into account conditions that aren’t accounted for by the main policy. From theft to major damage in an unfortunate accident, from loss of keys to mechanical on-road issues, everything is taken care of.</li><li class="pt-1 pb-1"><strong><a href="https://www.bankbazaar.com/insurance/travel-insurance.html" target="_blank">Travel Insurance</a></strong> : Traveling is one of humanity’s greatest passions, and a robust travel insurance policy ensures that travel adventures that have gone out of hand do not claw you back financially. Offering complete protection against such instances as loss of baggage, passport and trip cancellation to major medical issues and unforeseen risks while traveling abroad, a comprehensive travel insurance policy is an eager explorer’s best friend. And, purchasing travel insurance online is a breeze and a contributing factor to its steady popularity.</li><li class="pt-1 pb-1"><strong><a href="https://www.bankbazaar.com/insurance/home-insurance.html" target="_blank">Home Insurance</a></strong> : Like they say, ‘home is where the heart is’, which equates to the fact that ensuring the safety of your cherished home ascertains the safety and happiness of you and your loved ones. Home Insurance policies are thus, an important investment. Providing you round the clock protection against financial liabilities arising from damage incurred by your house and/or its contents, a good home insurance policy is the cautious home owner’s best friend. Almost all Indian insurers’ offer this product, and the same can be easily purchased online.</li></ol><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">Why do you need Insurance?</h2><p class="text-base ">There are a number of reasons why you feel the need of insurance in life. Given that life is full of uncertainties, it’s really important you purchase insurance as early as possible to protect you and your family against all odds. Having an insurance plan not only keeps you protected, it also provides you with mental peace. Insurance is particularly important for senior citizens for whom these insurance policies can serve as a replacement for their income and help support themselves and their family members.</p><p class="text-base ">Besides, you can also use these insurance policies to fulfill your investment goals and plan for a cozy retirement. Many insurance policies also offer loan against them which is another advantage you can enjoy by purchasing insurance. Above all, insurance policies will not only take care of you, they will also take care of your near and dear ones by paying for their various needs, even if you are not there.</p><p class="text-base ">So, choose your insurance plan carefully, given that a huge number of insurance policies available in the market. Ask yourself the following questions before you actually purchase an insurance plan – “why do you need insurance?”, and “How much do you need?” and “Should you go for term plan or whole life plan?” Once the answers are clear in your mind, choose your insurance policy accordingly.</p><h2 class="text-lg font-bold pt-5">Why should you Buy Insurance Online?</h2><p class="text-base ">Before getting into the details about the online insurance industry, some of the mind-boggling numbers and facts to note:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">India's life insurance sector is the biggest in the world with about 360 million policies which are expected to increase at a Compound Annual Growth Rate (CAGR) of 12-15 per cent over the next five years. The insurance industry plans to hike penetration levels to five per cent by 2020.</li><li class="pt-1 pb-1">The country's insurance market is expected to quadruple in size over the next 10 years from its current size of US$ 60 billion. During this period, the life insurance market is slated to cross US$ 160 billion.</li><li class="pt-1 pb-1">The general insurance business in India is currently at Rs 78,000 crore (US$ 11.7 billion) premium per annum industry and is growing at a healthy rate of 17 per cent.</li></ol><p class="text-base ">This is simply the perspective of the industry and its immense requirement of a faster infrastructure. What could be faster in terms of administering an industry that is so humongous that is efficient as well as cost effective, both to the professionals as well the customers, than the online space?</p><p class="text-base ">To be able to pull off an unbeatable large number of consumer base and transactions, the Indian insurance industry has made it very convenient for people to access all sorts of insurance products online. But the question still remains why and how is it beneficial for a civilian singularly to go and buy insurance online and not to go for a more conventional option? Read on to get a clearer perspective on the same.</p><h2 class="text-lg font-bold pt-5">Top Reasons to Buy Insurance Online</h2><p class="text-base ">This revolutionary advantage of being able to buy insurance online is perhaps one of the best gifts on the e-commerce wave that has helped consumers. Here is why:</p><ul class="list-decimal list-outside ml-4 mr-4 "><li class="pt-1 pb-1">All transactions, application processes, status updates and checks can be done online allowing you to save time and effort that is wasted otherwise if you visit a bank or meet an agent.</li><li class="pt-1 pb-1">Online insurance policies are generally quoted at lower premiums against offline ones. This is due to the fact that the insurance company saves money and time on distribution costs, infrastructure and other overheads, hence passing the savings to the policyholder.</li><li class="pt-1 pb-1">One of the main attractions of buying insurance online is that the consumer by large learn, research, share and compare all the various insurance companies that are currently in the market. There is no requirement to hurry on a purchase and instead take time to come with a highly informed decision. Individuals can simply browse various online plans, compare features and review crucial parameters to understand the performance of the plan and the insurance company.</li><li class="pt-1 pb-1">Buying online allows the consumer to enjoy a high level of flexibility as they themselves are taking control of every aspect of the insurance application, transaction or sustenance process starting from research and shortlisting of potential products to form filling to making premium payments.</li><li class="pt-1 pb-1">Most insurance company portals are intuitive and engaging. So people can choose a policy, fill up the application form online, choose supporting documents and submit (upload) them through an easy and secure user interface. This rids people of the hassles of creating document photocopies, seeking certificates or the burdensome couriering of documents.</li><li class="pt-1 pb-1">You get access to opinions about products through online reviews, opinions in forums, suggestions and consider various unbiased perspectives about plans and the insurance company you are planning to buy from.</li><li class="pt-1 pb-1">Most claims are rejected because incorrect or incomplete details submitted during form filling. Also, in several instances where the insured is not sure about the nature of the policy and the expected returns. You can download and view all the policy features and clauses with just a few clicks online.</li><li class="pt-1 pb-1">Since the customer has the freedom from depending on a particular person or agency, there is no uncertainty about your role and responsibility. Paying premiums or updating/ seeking information simply requires a few clicks or a phone call.</li></ul><p class="text-base ">Demographic factors such as young insurable population, growing middle class and growing awareness of the need for protection and retirement planning will support the growth of Indian life insurance as well as expanding rise of the Internet is contributing to the industry and it is the perfect time for people to take advantage of the competitive aspects of the industry at this time</p></div><script type="application/ld+json" data-testid="organization-json-ld">{"@context":"http://schema.org","@type":"Organization","name":"BankBazaar","url":"https://www.bankbazaar.com/","logo":"https://static.bankbazaar.com/images/bankbazaar-logo.png","sameAs":["https://www.facebook.com/bankbazaar/","https://twitter.com/bankbazaar","https://www.instagram.com/bankbazaar/","https://www.linkedin.com/company/417362/","https://www.youtube.com/@BankBazaar","https://in.linkedin.com/company/bank_bazaar"]}</script></div></div></div><div class="py-5"><div class="border bg-transparent hover:bg-transparent"><details name="accordion" class="px-2.5 py-2.5"><summary class="cursor-pointer block relative"><strong>Disclaimer<!-- --> <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5">Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. 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">Home Loan:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan.html" title="Compare Home Loans" aria-label="Compare Home Loans">Compare Home Loans</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/sbi-home-loan.html" title="SBI Home Loan" aria-label="SBI Home Loan">SBI Home Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/hdfc-home-loan.html" title="HDFC Home Loan" aria-label="HDFC Home Loan">HDFC Home Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/axis-home-loan.html" title="Axis Home Loan" aria-label="Axis Home Loan">Axis Home Loan</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan-interest-rate.html" title="Home Loan Interest Rates" aria-label="Home Loan Interest Rates">Home Loan Interest Rates</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan-eligibility.html" title="Home Loan Eligibility" aria-label="Home Loan Eligibility">Home Loan Eligibility</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan/repo-rate.html" title="Current Repo Rate 2024" aria-label="Current Repo Rate 2024">Current Repo Rate 2024</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Fixed Deposit:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/sbi-fixed-deposit.html" title="SBI Fixed Deposit" aria-label="SBI Fixed Deposit">SBI Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/hdfc-fixed-deposit.html" title="HDFC Fixed Deposit" aria-label="HDFC Fixed Deposit">HDFC Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/axis-fixed-deposit.html" title="Axis Fixed Deposit" aria-label="Axis Fixed Deposit">Axis Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/post-office-fixed-deposit-rate.html" title="Post Office Fixed Deposit" aria-label="Post Office Fixed Deposit">Post Office Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/senior-citizen-fixed-deposit.html" title="Senior Citizen Fixed Deposit" aria-label="Senior Citizen Fixed Deposit">Senior Citizen Fixed Deposit</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/5years-fd-interest-rates.html" title="5 Years FD Interest Rates" aria-label="5 Years FD Interest Rates">5 Years FD Interest Rates</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/monthly-income-scheme.html" title="Monthly Income FD Schemes" aria-label="Monthly Income FD Schemes">Monthly Income FD Schemes</a></li></ul></div><div class="items-start flex flex-col justify-center gap-4 p-2.5"><p class="text-sm text-white font-bold ">Calculator:</p><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/calculators.html" title="All Finance Calculators" aria-label="All Finance Calculators">All Finance Calculators</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/home-loan/emi-calculator.html" title="Home Loan Calculator" aria-label="Home Loan Calculator">Home Loan Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/personal-loan/emi-calculator.html" title="Personal Loan EMI Calculator" aria-label="Personal Loan EMI Calculator">Personal Loan EMI Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/car-loan/emi-calculator.html" title="Car Loan EMI Calculator" aria-label="Car Loan EMI Calculator">Car Loan EMI Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/fixed-deposit/fd-calculator.html" title="FD Calculator" aria-label="FD Calculator">FD Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-white" href="/recurring-deposit/rd-interest-calculator.html" title="RD Calculator" aria-label="RD Calculator">RD Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline 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window.history.replaceState({ key }, ""); } try { let positions = JSON.parse(sessionStorage.getItem(STORAGE_KEY) || "{}"); let storedY = positions[restoreKey || window.history.state.key]; if (typeof storedY === "number") { window.scrollTo(0, storedY); } } catch (error) { console.error(error); sessionStorage.removeItem(STORAGE_KEY); } })("positions", null)</script><script>window.__remixContext = {"basename":"/","future":{"v3_fetcherPersist":true,"v3_relativeSplatPath":true,"v3_throwAbortReason":true,"unstable_singleFetch":false,"unstable_lazyRouteDiscovery":false,"unstable_optimizeDeps":false},"isSpaMode":false,"state":{"loaderData":{"root":{"namespace":"insurance","gtmId":"GTM-TRB8XL","wenEngageId":"~13410604b","appshell":true},"routes/default/route":{"productType":"ALL","categoryType":"INSURANCE_OTHERS","bankId":null,"pageData":{"id":176343,"metaTitle":"Insurance - What is insurance, how does it work, types \u0026 benefits\n","metaDescription":"Insurance - Know what is insurance, types of Insurance in India, and why you need it. Also, check why you should buy and the top reasons to buy Insurance. \n","metaKeyword":"Insurance in India, top insurance policies in India, compare insurance plans","h1Title":"Insurance - Complete Information","hideEligForm":true,"hideUserReviews":true,"hideOfferTable":true,"breadCrumb":{"otherLinks":[],"currentPageText":"Insurance"},"hungryForMore":[{"type":"header","data":{"text":"What is insurance?","level":2}},{"type":"paragraph","data":{"text":"Insurance refers to a mutual agreement or a policy that an individual purchases from an insurance company by paying premiums on yearly, monthly or quarterly basis to the insurance company. In return, the insurance company protects the buyer or the policyholder from any kind of loss or risk that may occur in the future."}},{"type":"paragraph","data":{"text":"Apart from individuals, both public and private sector organization can purchase insurance to protect their employees. It's basically a kind risk management scheme by using which the insured person can get protection against possible eventualities such as loss, sickness, death, loss done to his/her belongings etc."}},{"type":"paragraph","data":{"text":"Insurance is the only financial instrument that helps you manage your financial risks smoothly and reduces your financial worries."}},{"type":"header","data":{"text":"Types of Insurance in India","level":2}},{"type":"paragraph","data":{"text":"There are different types of issuance available in India. Listed below are the major types:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003e\u003ca href=\"https://www.bankbazaar.com/insurance/life-insurance.html\" target=\"_blank\"\u003eLife Insurance\u003c/a\u003e\u003c/strong\u003e\u0026nbsp;: It is kind of shared bond between an insured individual and an insurance company wherein you pay a certain amount of money as premiums on monthly, yearly or quarterly basis to an insurance company. The insurance company, in return, protects you against future eventualities such as loss or damage done to you, your family members and property. There are different life insurance plans available in India offered by both private and public life insurance companies to help you meet your different financial needs at different junctures of life. The sum assured received from life insurance plans can be used for fulfilling a variety of tasks such security after retirement, protection against health care cost. Life insurance policies not offer risk coverage, you can also borrow money against certain policies. These policies come with a lot of benefits such as death benefits, maturity benefits and tax benefits. Life insurance plans in India normally fall under two major categories namely “Whole Life Insurance Plan” and “\u003ca href=\"https://www.bankbazaar.com/insurance/life-insurance.html\" target=\"_blank\"\u003eTerm Life Insurance Plan\u003c/a\u003e”.","items":[]},{"content":"\u003cstrong\u003e\u003ca href=\"https://www.bankbazaar.com/insurance/health-insurance.html\" target=\"_blank\"\u003eHealth Insurance\u003c/a\u003e\u003c/strong\u003e\u0026nbsp;: Another type of insurance available in India is Health insurance. It gives you protection you against the medical costs incurred in hospitalization due to illness or accident, nursing care, surgeries, consultation, diagnostic tests, ambulance service, hospital accommodation, medical bills etc. The only thing you have to do to avail these benefits is to purchase a health insurance policy by paying a certain amount of premium to your insurance provider periodically. The insurance provider will take the complete responsibility of protecting you against the cost involved in medical treatment. Certain health insurance policies also pay for regular medical checkups.","items":[]},{"content":"\u003cstrong\u003e\u003ca href=\"https://www.bankbazaar.com/insurance/car-insurance.html\" target=\"_blank\"\u003eCar Insurance\u003c/a\u003e\u003c/strong\u003e\u0026nbsp;: The idea of purchasing a new car in India isn’t complete without the associative purchase of a good car insurance policy. As the name so aptly implies, car insurance is designed to save the owner of a vehicle from the often exuberant financial liability that is set to occur when his/her cherished vehicle meets with an unfortunate accident or is deemed lost. Accidents come in different forms- both natural and man-made, with a robust car insurance policy providing comprehensive protection against both these unforeseen instances.","items":[]},{"content":"\u003cstrong\u003e\u003ca href=\"https://www.bankbazaar.com/insurance/two-wheeler-insurance.html\" target=\"_blank\"\u003eTwo Wheeler Insurance\u003c/a\u003e\u003c/strong\u003e\u0026nbsp;: In India, the number of two wheelers massively outnumber four wheelers. Thus, for most Indians, a robust two wheeler insurance policy that protects their bikes or scooters against natural or man-made accidents is an essential investment. Almost all insurers in India offer two wheeler insurance as a priority offering in their arsenal of products with the additional option of specific add-on covers that take into account conditions that aren’t accounted for by the main policy. From theft to major damage in an unfortunate accident, from loss of keys to mechanical on-road issues, everything is taken care of.","items":[]},{"content":"\u003cstrong\u003e\u003ca href=\"https://www.bankbazaar.com/insurance/travel-insurance.html\" target=\"_blank\"\u003eTravel Insurance\u003c/a\u003e\u003c/strong\u003e\u0026nbsp;: Traveling is one of humanity’s greatest passions, and a robust travel insurance policy ensures that travel adventures that have gone out of hand do not claw you back financially. Offering complete protection against such instances as loss of baggage, passport and trip cancellation to major medical issues and unforeseen risks while traveling abroad, a comprehensive travel insurance policy is an eager explorer’s best friend. And, purchasing travel insurance online is a breeze and a contributing factor to its steady popularity.","items":[]},{"content":"\u003cstrong\u003e\u003ca href=\"https://www.bankbazaar.com/insurance/home-insurance.html\" target=\"_blank\"\u003eHome Insurance\u003c/a\u003e\u003c/strong\u003e\u0026nbsp;: Like they say, ‘home is where the heart is’, which equates to the fact that ensuring the safety of your cherished home ascertains the safety and happiness of you and your loved ones. Home Insurance policies are thus, an important investment. Providing you round the clock protection against financial liabilities arising from damage incurred by your house and/or its contents, a good home insurance policy is the cautious home owner’s best friend. Almost all Indian insurers’ offer this product, and the same can be easily purchased online.","items":[]}]}},{"type":"header","data":{"text":"Why do you need Insurance?","level":2}},{"type":"paragraph","data":{"text":"There are a number of reasons why you feel the need of insurance in life. Given that life is full of uncertainties, it’s really important you purchase insurance as early as possible to protect you and your family against all odds. Having an insurance plan not only keeps you protected, it also provides you with mental peace. Insurance is particularly important for senior citizens for whom these insurance policies can serve as a replacement for their income and help support themselves and their family members."}},{"type":"paragraph","data":{"text":"Besides, you can also use these insurance policies to fulfill your investment goals and plan for a cozy retirement. Many insurance policies also offer loan against them which is another advantage you can enjoy by purchasing insurance. Above all, insurance policies will not only take care of you, they will also take care of your near and dear ones by paying for their various needs, even if you are not there."}},{"type":"paragraph","data":{"text":"So, choose your insurance plan carefully, given that a huge number of insurance policies available in the market. Ask yourself the following questions before you actually purchase an insurance plan – “why do you need insurance?”, and “How much do you need?” and “Should you go for term plan or whole life plan?” Once the answers are clear in your mind, choose your insurance policy accordingly."}},{"type":"header","data":{"text":"Why should you Buy Insurance Online?","level":2}},{"type":"paragraph","data":{"text":"Before getting into the details about the online insurance industry, some of the mind-boggling numbers and facts to note:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"India's life insurance sector is the biggest in the world with about 360 million policies which are expected to increase at a Compound Annual Growth Rate (CAGR) of 12-15 per cent over the next five years. The insurance industry plans to hike penetration levels to five per cent by 2020.","items":[]},{"content":"The country's insurance market is expected to quadruple in size over the next 10 years from its current size of US$ 60 billion. During this period, the life insurance market is slated to cross US$ 160 billion.","items":[]},{"content":"The general insurance business in India is currently at Rs 78,000 crore (US$ 11.7 billion) premium per annum industry and is growing at a healthy rate of 17 per cent.","items":[]}]}},{"type":"paragraph","data":{"text":"This is simply the perspective of the industry and its immense requirement of a faster infrastructure. What could be faster in terms of administering an industry that is so humongous that is efficient as well as cost effective, both to the professionals as well the customers, than the online space?"}},{"type":"paragraph","data":{"text":"To be able to pull off an unbeatable large number of consumer base and transactions, the Indian insurance industry has made it very convenient for people to access all sorts of insurance products online. But the question still remains why and how is it beneficial for a civilian singularly to go and buy insurance online and not to go for a more conventional option? Read on to get a clearer perspective on the same."}},{"type":"header","data":{"text":"Top Reasons to Buy Insurance Online","level":2}},{"type":"paragraph","data":{"text":"This revolutionary advantage of being able to buy insurance online is perhaps one of the best gifts on the e-commerce wave that has helped consumers. Here is why:"}},{"type":"list","data":{"style":"ordered","items":[{"content":"All transactions, application processes, status updates and checks can be done online allowing you to save time and effort that is wasted otherwise if you visit a bank or meet an agent.","items":[]},{"content":"Online insurance policies are generally quoted at lower premiums against offline ones. This is due to the fact that the insurance company saves money and time on distribution costs, infrastructure and other overheads, hence passing the savings to the policyholder.","items":[]},{"content":"One of the main attractions of buying insurance online is that the consumer by large learn, research, share and compare all the various insurance companies that are currently in the market. There is no requirement to hurry on a purchase and instead take time to come with a highly informed decision. Individuals can simply browse various online plans, compare features and review crucial parameters to understand the performance of the plan and the insurance company.","items":[]},{"content":"Buying online allows the consumer to enjoy a high level of flexibility as they themselves are taking control of every aspect of the insurance application, transaction or sustenance process starting from research and shortlisting of potential products to form filling to making premium payments.","items":[]},{"content":"Most insurance company portals are intuitive and engaging. So people can choose a policy, fill up the application form online, choose supporting documents and submit (upload) them through an easy and secure user interface. This rids people of the hassles of creating document photocopies, seeking certificates or the burdensome couriering of documents.","items":[]},{"content":"You get access to opinions about products through online reviews, opinions in forums, suggestions and consider various unbiased perspectives about plans and the insurance company you are planning to buy from.","items":[]},{"content":"Most claims are rejected because incorrect or incomplete details submitted during form filling. Also, in several instances where the insured is not sure about the nature of the policy and the expected returns. You can download and view all the policy features and clauses with just a few clicks online.","items":[]},{"content":"Since the customer has the freedom from depending on a particular person or agency, there is no uncertainty about your role and responsibility. Paying premiums or updating/ seeking information simply requires a few clicks or a phone call.","items":[]}]}},{"type":"paragraph","data":{"text":"Demographic factors such as young insurable population, growing middle class and growing awareness of the need for protection and retirement planning will support the growth of Indian life insurance as well as expanding rise of the Internet is contributing to the industry and it is the perfect time for people to take advantage of the competitive aspects of the industry at this time"}}],"updatedOn":"27 Nov 2024","ogImage":{"src":"https://static.bankbazaar.com/images/social-share/bb-social-share-v1.jpg"}},"contextData":{"namespace":"insurance","productType":"ALL","categoryType":"INSURANCE_OTHERS","deviceType":"DESKTOP"}}},"actionData":null,"errors":null}};</script><script type="module" async="">import "/lp-assets/manifest-873d9e11.js"; import * as route0 from "/lp-assets/root-BVFAYSZq.js"; import * as route1 from "/lp-assets/route-faYSul94.js"; window.__remixRouteModules = {"root":route0,"routes/default/route":route1}; import("/lp-assets/entry.client-BgNBjbT3.js");</script><script id="_webengage_script_tag" type="text/javascript"> function initializeWebEngage() { ! function(w, e, b, n, g) { function o(e, t) { e[t[t.length - 1]] = function() { r.__queue.push([t.join("."), arguments]) } } var i, s, r = w[b], z = " ", l = "init options track screen onReady".split(z), a = "feedback survey notification".split(z), c = "options render clear abort".split(z), p = "Open Close Submit Complete View Click".split(z), u = "identify login logout setAttribute".split(z); if (!r || !r.__v) { for (w[b] = r = { __queue: [], __v: "6.0", user: {} }, i = 0; i < l.length; i++) o(r, [l[i]]); for (i = 0; i < a.length; i++) { for (r[a[i]] = {}, s = 0; s < c.length; s++) o(r[a[i]], [a[i], c[s]]); for (s = 0; s < p.length; s++) o(r[a[i]], [a[i], "on" + p[s]]) } for (i = 0; i < u.length; i++) o(r.user, ["user", u[i]]); setTimeout(function() { var f = e.createElement("script"), d = e.getElementById("_webengage_script_tag"); f.type = "text/javascript", f.async = !0, f.src = ("https:" == e.location.protocol ? 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