State Life, in collaboration with Government of Khyber Pakhtunkhwa, has taken initiative to launch Social Health Protection (SHP) to provide and promote social and micro health insurance scheme for the most deserving population of four districts of Khyber Pakhtunkhwa namely Kohat, Mardan, Malakand and Chitral. The scheme will target the most deprived segment of society and provide them access to the health facilities in a wide range of public and private hospitals. The proposed target market will tend to expand to include a wide range of society. The scheme aims to encourage:
- Health care facilities
- Quality health services
- Provision of cashless services to beneficiaries
- Awareness regarding financial risk due to health related perils
Under the scheme, the members will be covered for hospitalization, day care surgeries and maternity benefits, albeit under a prescribed limit. Along with the provision of these facilities, the quality of services will also be monitored for improvement. Features such as transportation cash grant on maternity will encourage the female population to utilize the health provider facilities and will ultimately result in improving the female and child survival rate.
STATE LIFE WHOLE LIFE INSURENCE POLICEY.
It is a unique combination of protection and savings at a very economical premium. Death at any time before age 85 years terminates payment of premiums and the sum insured and attached bonuses become payable. In the event the insured survives to the policy anniversary at age 85 years, the policy matures and the sum insured plus bonuses become payable. Under this plan the rates of bonuses are usually much higher than the other plans and they help in increasing not only protection but also the investment element of the policy substantially. Click here for supplementary covers which can be attached with this plan.
This plan is best suited for youngsters who have at initial stages of their careers and cannot afford to pay high premiums. Individuals who anticipate requirement of a lump sum in far future can also opt this plan.
This is a joint life plan and covers lives of two partners say husband and wife simultaneously. Premiums are payable till the end of the specified term or till death of either of the insured persons, if earlier. The plan contains extensive benefits; an overview of which appears as under:
On the death of the first life, the sum insured will be paid to the survivor. Further premiums under the policy will be waived, but the insurance protection of the second life will continue. Also, the policy will continue to participate in profits of the Corporation. On death of the second life, again the sum insured will be paid together with the attaching bonuses. In this event the policy will terminate.
If the second life survives the term of the policy, he or she will be paid sum insured together with the attached bonuses, even though the sum insured has been paid once, on the death of the first life. If both the lives survive the term of the policy, the sum insured will be paid to them jointly, only once, together with the attached bonuses. Different supplementary covers are also available for increasing coverage under the policy.
Auto Insurance Buying Tips
On the death of the first life, the sum insured will be paid to the survivor. Further premiums under the policy will be waived, but the insurance protection of the second life will continue. Also, the policy will continue to participate in profits of the Corporation. On death of the second life, again the sum insured will be paid together with the attaching bonuses. In this event the policy will terminate.
If the second life survives the term of the policy, he or she will be paid sum insured together with the attached bonuses, even though the sum insured has been paid once, on the death of the first life. If both the lives survive the term of the policy, the sum insured will be paid to them jointly, only once, together with the attached bonuses. Different supplementary covers are also available for increasing coverage under the policy.
Auto Insurance Buying Tips
So let's stick with what you can control. As far as choosing a car, dullness pays. The lowest rates go to the most innocuous vehicle types minivans and low/mid-priced sedans because of what they imply about their drivers: mild personalities make for mild risks. Another force at work is how much damage one vehicle can do to another, where battering ram-like trucks and SUVs do not fare well. These factors mostly impact liability, which, in 45 states, is the mandatory piece in the insurance equation. On the flip side, ultra-cheap lightweights like the Kia Rio don't have stellar rates either, for a related reason: they do a mediocre job of protecting you, the driver.
Another major point is the cost of the car, which should be self-explanatory. This impacts collision coverage, which covers repairs to your car. It also lowers another type of coverage called comprehensive, which basically covers your car in any loss that doesn't involve crashing. Another good way to lower comprehensive is to pick a car with a low theft rate. Put another way, drive a car that no one else wants. Case in point: a recent study found the Ford Taurus wagon and Saturn LS at the bottom of the theft list.
Choosing the type of vehicle is the easy part. Depending on how much digging you want to do, it might also be worth researching specific cars within a given class. One source found a Dodge Neon costing $478 more a year than a Saturn SL2 (both are compact sedans that cost a mere $15,000 when new) at the same provider, just to name an extreme example. Differences within a class are largely due to the cost to repair specific cars, which has a lot to do with how they were designed. Some models show more variation between different providers than others, though it could be awfully time-consuming to check every single car across every single provider.
Don't crash. As if you needed another reason not to, getting involved in a crash (even ones that aren't officially your fault, in some cases) is the most sure-fire way to inflate your premiums. The label of "high-risk driver" stains your record, typically for about three years.
Antique Car Insurance
Classic car insurance is generally tailored to the specific vehicle, and the needs of the collector. There are three significant values to understand when insuring a classic car: Actual cash value; stated value; and agreed value.
Actual cash value is the usual way insurance companies calculate the value of a car: It's based on replacement cost minus depreciation.
Stated value is when there is a specified value in your contract. The insurance company may not guarantee up to the full stated value of the car.
Agreed value is what you are looking for when insuring a classic car. Insurance companies that provide classic car insurance will generally agree on the worth of the automobile with the car collector. You sign the contract agreeing on how much both parties feel the car is worth, and then if the car is totaled or stolen, they reimburse you the full agreed upon value.
Most classic car insurance companies will have a set of conditions. These can include: A clean driving record; at least 10 years driving experience; proof that you have another car for transport; very limited mileage; no teens or drivers with poor records on the policy; proof of secure and out of weather garage; and sometimes the age of the classic car (some cars are deemed too young to be considered classic cars).
The mileage limits on classic cars are fairly low. However, if you truly are a collector, then you don't want to expose your baby to risks anyways. You and your insurance company agree on that much.
Some classic cars might require restoration or special maintenance. Notify your insurance agent and make sure they give you the appropriate insurance to take into account any restoration work.
There are often other stipulations, but they vary from insurance company to insurance company. Check with all of them to find the right deal for you.
If you do buy a classic car, be sure to get it insured right away. Classic or antique cars often appreciate in value over time; however if you total the car without insurance, you might be lucky to get back what you paid for it originally. This can be a difference of tens of thousands of dollars. Review your coverage every few years, because the amount you insured the car for a few years ago may not come close to what the car is currently worth
Car Insurance Quotes Comparison
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- Why Get Multiple Car Insurance Quotes?
Everyone knows that the best way to save money is to stop around. Even if you already have a good deal on your car insurance, you never know how much you can save until you look. We make it painless to get quotes from reputable insurance companies that provide coverage where you live. Every insurance company has its own pricing structure, plus their rates can change from month to month. That makes it important to check back often and get the latest and cheapest car insurance quotes.
- The Information You Need
Car inssurence info does more than help you find affordable car insurance. We are dedicated to providing you with all the information you need to make smart choices when it comes to car insurance. You'll find informative articles, answers to your questions about auto insurance and more as we continue to update and expand the information we provide.
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