PolicyKlub is a licensed broker. Which means we are paid a commission for each insurance policy we sell, by the insurance companies. Does that mean you pay anything extra, other than your insurance policy premium? Nope. The commission is paid for by the insurer and not by you, the customer.

Does the commission make us biased for or against any insurance company? The answer is simply no, we cannot be biased as a broker. A broker is a customer's representative and is always for the customer and not for the insurance company.

PolicyKlub is a licensed broker. Which means we are paid a commission for each insurance policy we sell, by the insurance companies. Does that mean you pay anything extra, other than your insurance policy premium? Nope. The commission is paid for by the insurer and not by you, the customer.

Does the commission make us biased for or against any insurance company? The answer is simply no, we cannot be biased as a broker. A broker is a customer's representative and is always for the customer and not for the insurance company.

PolicyKlub is a licensed broker. Which means we are paid a commission for each insurance policy we sell, by the insurance companies. Does that mean you pay anything extra, other than your insurance policy premium? Nope. The commission is paid for by the insurer and not by you, the customer.

Does the commission make us biased for or against any insurance company? The answer is simply no, we cannot be biased as a broker. A broker is a customer's representative and is always for the customer and not for the insurance company.

In India, a health insurance is something that pays for hospitalizations, medical expenses incurred for an
in-patient, sometimes out-patient and for the treatment through alternative modes like Ayurveda, etc.

• The first health policies in India were Mediclaim Policies.

Health insurance premiums are determined after taking into consideration factors like age, family medical
history, pre-existing medical conditions, body mass index and smoking habits, among others. Additionally, the
type of coverage, sum insured and members covered under a policy have an impact of the premiums payable.

To encounter such financial hardships to treat critical illnesses, it is essential to introduce something called as
‘Fixed Benefit Health Insurance Plans’. These plans take care of two major expenses such as hospital room
charges as well as the entire cost of the surgery. But, remember these plans do not pay the expenses that
include pathology, radiology and medical consultation.

Its required by law to do so. Secondly, you get covered for all damages to your vehicle, or if it gets stolen.

There is no difference in insurance coverage across companies, although prices do vary. Some companies offer Zero Depreciation covers, which are usually more expensive, and offer full coverage of parts and replacement.

Motor Insurance is very simple.

• Always look at buying regular coverage or Zero Depreciation covers
• Look at car value to be insured. Most insurers use standard formulas – also called Insured Declared Value. This is the value for which your insurance is valid.
• The actual Premiums vary from company to company – but the coverage is standard and exactly the same. So going for the cheaper option is always sensible.
• Some of our customers are particular about adequate Cashless Garages in their locality that each insurer have tie-ups with.

Though they are talked about in policy, this is just a handy list for your convenience:

• Claim form appropriately filled (before submitting do a Xerox and keep)
• Photocopy of the vehicle RC along with the original for verification
• Authentic approximation of loss (Make an extra copy and file it)
• Payment receipts and repair bills (always keep a photocopy with you)

Getting a new insurance policy for your old bike is a child’s play. Things you need are:

• Earlier insurance copy
• Registration certificate

Your bike insurance premium depends on the following factors:

• IDV or Insured Declared Value
• Location/Place of Registration
• Bike Model/Type/Variant
• Voluntary Deductible
• Type of Insurance Cover
• Engine Capacity CC
• Fuel Type - Petrol or Diesel

Its required by law to do so. Secondly, you get covered for all damages to your vehicle, or if it gets stolen.

There is no difference in insurance coverage across companies, although prices do vary. Some companies offer Zero Depreciation covers, which are usually more expensive, and offer full coverage of parts and replacement.

Motor Insurance is very simple.

• Always look at buying regular coverage or Zero Depreciation covers
• Look at car value to be insured. Most insurers use standard formulas – also called Insured Declared Value. This is the value for which your insurance is valid.
• The actual Premiums vary from company to company – but the coverage is standard and exactly the same. So going for the cheaper option is always sensible.
• Some of our customers are particular about adequate Cashless Garages in their locality that each insurer have tie-ups with.

PolicyKlub is a licensed broker. Which means we are paid a commission for each insurance policy we sell, by the insurance companies. Does that mean you pay anything extra, other than your insurance policy premium? Nope. The commission is paid for by the insurer and not by you, the customer.

Does the commission make us biased for or against any insurance company? The answer is simply no, we cannot be biased as a broker. A broker is a customer's representative and is always for the customer and not for the insurance company.

PolicyKlub is a licensed broker. Which means we are paid a commission for each insurance policy we sell, by the insurance companies. Does that mean you pay anything extra, other than your insurance policy premium? Nope. The commission is paid for by the insurer and not by you, the customer.

Does the commission make us biased for or against any insurance company? The answer is simply no, we cannot be biased as a broker. A broker is a customer's representative and is always for the customer and not for the insurance company.

PolicyKlub is a licensed broker. Which means we are paid a commission for each insurance policy we sell, by the insurance companies. Does that mean you pay anything extra, other than your insurance policy premium? Nope. The commission is paid for by the insurer and not by you, the customer.

Does the commission make us biased for or against any insurance company? The answer is simply no, we cannot be biased as a broker. A broker is a customer's representative and is always for the customer and not for the insurance company.

PolicyKlub is a licensed broker. Which means we are paid a commission for each insurance policy we sell, by the insurance companies. Does that mean you pay anything extra, other than your insurance policy premium? Nope. The commission is paid for by the insurer and not by you, the customer.

Does the commission make us biased for or against any insurance company? The answer is simply no, we cannot be biased as a broker. A broker is a customer's representative and is always for the customer and not for the insurance company.

PolicyKlub is a licensed broker. Which means we are paid a commission for each insurance policy we sell, by the insurance companies. Does that mean you pay anything extra, other than your insurance policy premium? Nope. The commission is paid for by the insurer and not by you, the customer.

Does the commission make us biased for or against any insurance company? The answer is simply no, we cannot be biased as a broker. A broker is a customer's representative and is always for the customer and not for the insurance company.

PolicyKlub is a licensed broker. Which means we are paid a commission for each insurance policy we sell, by the insurance companies. Does that mean you pay anything extra, other than your insurance policy premium? Nope. The commission is paid for by the insurer and not by you, the customer.

Does the commission make us biased for or against any insurance company? The answer is simply no, we cannot be biased as a broker. A broker is a customer's representative and is always for the customer and not for the insurance company.