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In India, motor insurance is compulsory by law. In addition to this, car insurance is also vital for personal safety and increasing cost of claims. However, car insurance can be quite pricey and the large premiums can burn quite a hole in your pocket. By understanding the factors that affect car insurance premium, you can choose the best policy for your needs that not only protects your finances but also ensures the safety for your precious asset. Here are a few factors by which customer can manage the premium of their motor policies as per their requirement. Type of Car Insurance and Add-on Covers The customer has to decide the type of car insurance he wants to opt for. There are two basic types of car insurance covers which include: Third Party Liability only- This is compulsory by law Package Policy- Own Damage + Third Party Liability + Personal Accident Also under of package policy, the customer can opt for add-on covers (Additional coverage provides added financial protection) in lieu of extra premium. Example: If the insured has installed accessories, then the Insurance of Accessories can be opted for by paying additional premium. Electrical/Electronic Fittings Electrical/Electronic items that are additionally fitted (not included in the manufacturer’s selling price of the vehicle) can be insured at an additional premium of 4% on the value of such fittings. Use of CNG/LPG fuel Any vehicle fitted with an RTA approved CNG /LPG kit, can be insured separately at an additional premium @ 4% on the value of the kit. Based on the IDV IDV means Insured’s Declared Value. It is the current market value of your vehicle. The IDV is fixed on the basis of the manufacturer’s listed selling price of the particular model at the commencement of the policy or renewal and adjusted as per the depreciation in the tariff. For vehicle aged over 5 years, the IDV will be the value agreed between insurance company and insured The Insured’s Declared Value (IDV) of the vehicle will be the ‘SUM INSURED’ for the purpose of tariff and it will be fixed at the commencement of each policy period for each insured vehicle.

According to a survey conducted by Bajaj Allianz on how happy people are with their existing health insurance plan, more than 60% participants reported that they fear that their health insurance plan may not suffice in case of a serious or long ailment. The reason for this is that most often the SI (Sum Insured) opted by you in a Health Insurance plan is quite low. Bajaj Allianz Extra Care Plus is a unique health insurance plan that allows you to extend your existing health insurance cover, in case you exhaust the limit of your regular health insurance policy. For example, consider that you have a health insurance with SI of INR 5 lakh, which is provided by your employer. Now if your medical bill is INR 7 lakh, then you can use the insurance policy from your employer to pay INR 5 lakh and pay the remaining INR 2 lakh using the Extra Care Plus Policy, for which the premium amount is very nominal. With this top-up plan, you get an option to select an aggregate deductible amount. It is the amount that you agree to pay from your pocket, when you file for a claim. Features of Extra Care Plus Policy: This is a floater policy, which offers a single Sum Insured and single premium for the whole family. You can avail cashless claim facility at over 6000 + network hospitals all over India. No medical tests are required up to 55 years of age (subject to a clean proposal form). Pre-existing disease are covered after 1 year from your first Extra Care Plus policy. The policy covers emergency ambulance charges. It covers maternity expenses including the complications of pregnancy. It offers in-patient hospitalization cover. You are covered for all day care treatments. Benefits of Extra Care Plus Policy: Health CDC (Claim by Direct Click) benefit – you can file a claim for INR 20,000 via Insurance Wallet app. It can be taken as add-on policy with any health insurance policy and can be opted as a standalone policy as well. Income tax benefits under section 80 D of the Income Tax Act. Free look up period of 15 days. Lifetime renewal option. Why opt for a Top-up Cover? The simplest reason for buying a top-up cover is that your health insurance policy may not always be sufficient when it comes to a large medical expense. Top-up covers are also useful if you are a senior citizen, or approaching that age. As you grow older, getting an increase in the Sum Insured of your base policy will be difficult and expensive. The premium rates will be very high and there will be numerous medical tests to undergo as well. In this case, having a top-up cover means that you can stick with your base policy, while letting the top-up cover take care of any extra expenses that might arise. Also with rising medical costs, it is better to have an extra protection which can let you have peace of mind in the time of crises. The last thing you want to worry about, when in a hospital, is about your medical bill. With Extra Care Plus Policy, insure your finances and avail the best health care services. Note about Claim Process: The claim under cashless and reimbursement would be admissible in excess of the deductible limit, subject to terms, conditions, exclusions and definitions as per the policy wordings. The proof of settlement of the deductible amount has to be produced at the time of claim in case of any other existing insurance policy.