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Insurance Overview

An act of insuring, or assuring, against potential future losses in exchange for a periodic payment called premium. In other words, one of the parties undertakes to indemnify or guarantee another party against loss by certain specified risks. more »

Types of Life Insurance

Term Insurance Products

You can choose to have protection for a set period of time with Term Insurance. In the event of death or Total and Permanent Disability (if the benefit is offered), your dependants will be paid lumpsum amount leading to their financial security. more »

Whole Life Policies

With whole life insurance, you are guaranteed lifelong protection. Whole life insurance pays out a death benefit so you can be assured that your family is protected against financial loss that can happen after your death. Whole life Insurance is also an ideal way of creating an estate for your heirs as an inheritance.

Endowment Products

An Endowment Policy is a savings linked insurance policy with a specific maturity date. On your surviving the term, the maturity proceeds on the policy become payable. These plans help you to save money and also provide you investment opportunity to grow your money. In addition, should an unfortunate event by way of death or disability occur to you during the period, the sum assured will be paid to your beneficiaries.

Annuity (Pension) Plans

When an employee retires he no longer gets his salary while his need for a regular income continues. Retirement benefits like Provident Fund and gratuity are paid in lump sum which are often spent too quickly or not invested prudently with the result that the employee finds himself without regular income in his post - retirement days. Pension is therefore an ideal method of retirement provision because the benefit is in the form of regular income. It is wise to provide for old age, when we have regular income during our earning period to take care of rainy days. Financial independence during old age is a must for everybody.

There are two types of annuities (pension plans):

  • Retirement-Immediate Annuities: In case of immediate Annuity, the Annuity payment from the Insurance Company starts immediately. Purchase price (premium) for immediate Annuity is to be paid in Iumpsum in one installment only.
  • Retirement-Deferred Annuities: Under deferred Annuity policy, the person pays regular contributions to the Insurance Company, till the vesting age/vesting date. He has the option to pay as single premium also. The fund will accumulate with interest and fund will be available on the vesting date. The insurance company will take care of the investment of funds and the policyholder has the option to encash 1/3rd of this corpus fund on the vesting age / vesting date tax free. The balance amount of 2/3rd of the fund will be utilized for purchase of Annuity (pension) to the Annuitant.

Children Products

These types of policies are taken on the life of the parent/children for the benefit of the child. By such policy the parent can plan to get funds when the child attains various stages in life. Some insurers offer waiver of premiums in case of unfortunate death of the parent/proposer during the term of the policy.

Types of Non-Life (General) Insurance

Health Insurance

A health insurance policy like other policies is a contract between an insurer and an individual / group in which the insurer agrees to provide specified health insurance cover at a particular “premium” subject to terms and conditions specified in the policy.

Travel Insurance

Travel Insurance offers insurance protection while you travel. This type of cover protects you and/or family against travel related accidents, unexpected medical expenditure during travel, losses such as baggage loss, loss of passport etc and interruption or delays in flights or delayed arrival of baggage etc.

Motor Insurance

Motor insurance gives protection to the vehicle owner against (i). damages to his/her vehicle and (ii). pays for any Third Party Liability determined as per law against the owner of the vehicle. Third Party Insurance is a statutory requirement.

Critical Illness

Critical illness insurance or critical illness cover is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.

Personal Accident

Personal Accident insurance or PA insurance is an annual policy which provides compensation in the event of injuries, disability or death caused solely by violent, accidental, external and visible events. You can either take a Personal Accident (PA) policy for yourself or a group policy covering your family, employees, customers etc. protecting you and them anywhere and anytime of the day.

Home Insurance

Home insurance policies are property insurance that provides coverage against house damage or that of the contents inside. Apart from unauthorized entry, you can also get an extended cover for accidents that may occur at home.

Insurance simplified

Welcome to Our goal is to simplify your insurance purchase. We call it Insurance Simplified.

Insurance is vital to your life. It provides much needed protection to manage and mitigate risks to your life and your property. Such risks are present in every stage of your life. Choosing the right insurance cover for protection of your life, health, travel, car or motor, home and many such could be a complex and a long process. At Bimadirect, we recognize this and have developed a free service at no cost to you to save you time and money and simplify your Insurance purchase. You can compare Insurance Policies and Plans and get side by side comparison of Benefits and Premiums from many reputed Indian Insurance companies both from the Life Insurance and General Insurance areas.

We cover many products from Life Insurance companies. They range across online term plans, pension plans or retirement plans, savings and child plans. These plans provide life protection cover and also help you save and invest for the future. We also cover many products from the General Insurance companies. They range across Health Insurance or Medical Insurance or Mediclaim, Travel Insurance, Car or Motor Insurance, Home Insurance and Business Insurance.

Our goal is for you to be able to objectively compare insurance online and make an informed and intelligent buying decision. Before, during or even after the process of your insurance purchase, if you need guidance or support at any stage, our insurance specialists are available through the channel of your choice and can be reached through calling our toll free help desk, invoking chat, sending us an email or SMS.

Compare and buy Insurance policies online in less than 15 minutes here at Bimadirect from wherever you are to provide yourself with instant cover. We offer one of the best and largest online Insurance product selections. We have partnered with most leading Insurance companies in India and connect in real time with them to bring their best online insurance products on this single platform for your comparison and buying selection. To save your time and money and simplify your Insurance purchase, you can view premium quotes and Compare Insurance Policies and Plans, Benefits and Premiums. All our services come free of any charge to you.

In short, helps you customize the way you learn about insurance and compare quotes when it's convenient for you. When you’re ready to buy, we’re ready to help.

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News & Views

Get 5 essential insurance plans for just Rs 2,620 per month

A lot of people think that insurance is a waste of money. They contend that if the premium was invested in other avenues, it would grow to a sizeable amount. But life can take unexpected turns. The death of the sole breadwinner can transform the lifestyle of more »

[Source: The Economic Times]

Should you opt for single or regular premium payments for insurance?

Deepak is 30 and getting married soon. He wants to buy life insurance, and has opted for a 15-year plan with an annual premium of Rs 20,000. The sum assured is Rs 75 lakh. Effectively he pays Rs 3 lakh over 15 years. His friend Sumeet has opted for more »

[Source: The Economic Times]

Should you buy term insurance policy only on basis of premium?

Sameer is nearly 30. He is married and will be a father soon. He and his wife are doing well in their respective careers. He is servicing a car loan and a home loan for Rs 4 lakh and Rs 50 lakh respectively. The couple realise the need for life insurance and more »

[Source: The Economic Times]

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