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LIC-র দুর্ধর্ষ স্কিম! এবার স্বল্প বিনিয়োগেই প্রতিমাসে পেয়ে যান ১১,০০০ টাকার পেনশন

সঠিক জায়গায় অর্থ বিনিয়োগের মাধ্যমে লাভবান হতে কে না চান? তবে, বর্তমান সময়ে যুগের সাথে তাল মিলিয়ে বিনিয়োগের ক্ষেত্রে একাধিক বিকল্প উপলব্ধ থাকলেও কিছু কিছু ক্ষেত্রে থেকে যায় ঝুঁকির আশঙ্কা। এমতাবস্থায়, বিনিয়োগকারীদের কাছে একটি ভরসাযোগ্য নাম হল LIC (Life Insurance Corporation of India)। এই প্রতিষ্ঠানে বছরের পর বছর ধরে বিভিন্ন স্কিমে নিশ্চিন্তে বিনিয়োগ করে আসছেন লক্ষ লক্ষ বিনিয়োগকারী।

LIC সরল পেনশন প্ল্যান সম্পর্কিত ভিডিও

পাশাপাশি, বিনিয়োগকারীদের কথা মাথায় রেখেও একের পর এক দুর্দান্ত স্কিম উপলব্ধ করছে LIC। বর্তমান প্রতিবেদনে আজ আমরা LIC-র ঠিক সেইরকমই এক স্কিমের প্রসঙ্গ উপস্থাপিত করব। যেটি ইতিমধ্যেই উঠে এসেছে আলোচনার কেন্দ্রবিন্দুতে। মূলত, আমরা LIC-র জীবন শান্তি প্ল্যানের (Jeevan Shanti Plan) বিষয়ে আপনাদের জানাবো। যেটিতে বিনিয়োগ করে আপনি অবসর গ্রহণের পরে নিশ্চিন্তে পেনশন পেতে পারেন।

LIC জীবন শান্তি প্ল্যান এর সম্পর্কিত ভিডিও ।

LIC-র নতুন জীবন শান্তি প্ল্যান হল একটি অ্যানুইটি প্ল্যান। অর্থাৎ, আপনি এই পলিসি কেনার সাথে সাথে আপনার পেনশনের পরিমাণ ফিক্সড হয়ে যাবে। আপনি এই পলিসিতে দু’টি বিকল্প পাবেন। প্রথমটি হল ডেফর্ড অ্যানুইটি ফর সিঙ্গেল লাইফ এবং দ্বিতীয়টি হল ডেফর্ড অ্যানুইটি ফর জয়েন্ট লাইফ।

জানুন আপনি কত টাকার পেনশন চান

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LIC-র দুর্ধর্ষ স্কিম! এবার স্বল্প বিনিয়োগেই প্রতিমাসে পেয়ে যান ১১,০০০ টাকার পেনশন Hi there, We are here to understand your requirements, offer customised solutions and ensure you have a smooth experience throughout - from buying the policy to claim settlement.

Flaunting an electric vehicle has become a new trend all over the globe. Speaking of India, they are gaining a lot of momentum in the entire market. This is because of the number of benefits it covers. Generally, electric cars are low maintenance, easy to drive, noiseless, and help you save tons considering the increasing prices of fuel. In addition, electric cars are excellent for the environment. However, after purchasing one, what about its insurance? Well, here’s a comprehensive guide that lists an overview of everything you need to know about electric car insurance.

Electrical Car Insurance

The demand for EVs is growing at an unprecedented rate. Besides being a green alternative to diesel and petrol vehicles, electric cars can get much cheaper in the long run. However, finding suitable Electric car insurance can be a bit difficult. But once you find it, you enjoy a plethora of benefits. Before diving into the benefits, let’s begin with the basics.

What is Electric Car Insurance?

To level up with the increasing demand, automobile manufacturers are introducing distinct types of EVs. This is to cater to the difference between different requirements of the buyers. With different models come different insurances. Just like the motor insurance policy for diesel and petrol vehicles, the electric car insurance policy provides outstanding financial protection to your car against all liabilities. By selecting the appropriate cover for your Electric car, you can prevent unwanted expenses. This is exactly what is meant by electric car insurance.

Types Of Electric Car Insurance Plan

In India, there are usually two types of insurance policies. These include,

Third-Party Car Insurance Policy:

The 1988 Motor Vehicles Act makes it necessary to hold electric car insurance under this policy. Under the third-party policy, you get insurance against all liabilities incurred due to third-party damage or injury or damage to their property due to your EV. Bear in mind that accidental injuries and damages do not come under this policy.

Comprehensive Car Insurance Policy:

This is an excellent insurance policy that any individual can opt for. The policy offers both OD (own damage cover) and third-party (TP) cover. In case your vehicle suffers damage due to collisions, floods, accidents, riots, storms, or vandalism, your car will be covered.

What Are The Advantages Of Electric Car Insurance?

Here are 5 advantages to ensure your electric car with a Comprehensive Insurance Policy.

Safeguard against Third-Party Liabilities:

Your insurance policy covers liabilities in cases where you meet an unfortunate situation. Suppose you are the reason for an injury to the third-party property, your policy covers the costs incurred in repairing.

Prevent Law-Mandated Penalties:

Because the Comprehensive policy involves the law-mandated liability cover, individuals get protection against non-compliance penalties regarding car insurance.

Prevent Hefty Repairing Bills:

As the Comprehensive Cover provides an OD facility, it covers the maximum part of the repair bills. This indicates that individuals don’t require to pay any hefty repairing bills for the cases covered in the plan.

Obtain Personal Accident cover:

With the PA (personal accident) cover, you can obtain financial compensation against several uncertainties like bodily injuries, accidental death, total/partial disabilities, etc. due to an accident. Note that this is an add-on and must be purchased separately from the plan you choose.

What Does The Electric Vehicle Comprehensive Policy Cover?

The comprehensive car insurance policy tags a number of benefits with it. The plan covers losses and damages in the following circumstances.

Damages to your vehicle in an accident Third-Party injury Damage to third-party property Damage to the car in case of explosion and fire Natural calamities include storms, floods, earthquakes, etc. Injury of the owner and accidental death Losses incurred due to theft Man-made disasters like vandalism, riots, etcCost Of Electric Vehicle Insurance

Generally, the cost of electric vehicle insurance is a bit higher as compared to conventional petrol and diesel vehicles. Because the insurance price is entirely based on the price value of the vehicle, electric vehicles have a higher premium as well. This is because of the price with respect to the internal combustion of engine-powered cars.

Conclusion

Upon conclusion, it is important to know the insurance policy’s other factors, terms, and conditions before opting for it. Bear in mind that different companies offer different insurance benefits, costs, and features. Depending on this, make sure you don’t go for the cheapest premium available. This is because the cheapest premium might not offer the level of policy cover you are seeking for. Cheaper premiums do not cover personal accident cover, breakdown cover, legal cover, level of voluntary excess, etc. Hence, make sure you make well-informed and wise decisions before finalising with an insurance company.

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Everything You Need To Know About Electric Car Insurance Hi there, We are here to understand your requirements, offer customised solutions and ensure you have a smooth experience throughout - from buying the policy to claim settlement.

Why 3rd party insurance is Must for any vehicles.

Definition of third party insurance

It is a form of liability insurance that the owner of the car/bike/vehicle purchases for protection against the claims of a third party. Any damages or losses suffered by the third party in case of an accident must be made good by the third party insurance holder.

In case of property damages, insurance companies usually cover up to a maximum sum of Rs. 7,50,000 only.

The third party will be paid for his or her medical expenses, compensation in case of any bodily disfigurement and also for his or her loss of earnings. Basic legal expenses of the insured will also be provided for under the insurance policy.

Premium of Third Party Insurance

The premium amount that is to be paid is low and is fixed the Insurance Regulatory and Development Authority of India.

Individual Insurance Companies cannot vary the premium charged for this type of insurance.

Benefits of Third Party Insurance

It has a very quick and easy process for purchase.

The insurance cover is affordable even for a common man.

The insurance enables the insured to drive legally on the roads and by extension free them of any adverse legal repercussions.It prevents the insured from facing any financial stress arising from an unforeseen incidentaI. Is it OK to buy third party insurance.

Is Third-Party Insurance Enough?

Yes, having just a third-party car insurance policy is enough as per the Motor Vehicles Act, of 1988. It is a mandatory cover to legally ply on Indian roads. But, this type of motor insurance won't cover you from all types of unforeseen damages that your car may sustain on road.

First-party refers to the insured individual, second-party is the insurance provider, and third party is the person towards whom damages are owed by the first-party in an accident.

Is third party insurance valid for 3 years?

A long-term car insurance plan valid for three years can opt in the following manner: Buying a third party insurance policy valid for a total of 3 years.

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Cons of buying vehicle insurance online

Queries remaining unanswered: “While buying insurance online, there could be several queries that need immediate attention. Furnishing wrong details may result in a repudiation of claim," said Vishwajeet Parashar, Chief Marketing Officer, Bajaj Capital. For instance, if you do not have sufficient knowledge about how policy works, the procedure to get the claim settled, add-ons available with the policy, whether you should buy them or not, then there would be a lot of queries that would remain unanswered at the time of buying a policy online.

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