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- Can one person take more than one policy?
- How is money secure in private company?
- Can a widow be insured?
- After depositing some installments of premium, if somebody fails to deposit further?
- When does insurance come into force?
- Is it possible to withdraw the entire amount before completion of insurance period?
- Where to contact for withdrawing amount, claim and other works?
- Can policy be taken in name of any other person?
- What is the eligibility to be insured?
- Why can't premium be paid half yearly or quarterly instead of yearly?
- What if somebody does not have sufficient documents?
- Insurance can be taken up to what amount?
- Does it require to get the medical test done again if one has gone through medical tests before?
- One person can take any no. of policies. But for medical purpose all those policies will be added which have been taken within two years, whether they are of any company.
- Insurance company, whether private or government is governed by Insurance Regulatory and Development Authority (IRDA). An insurance company can never wind up its business and investment of funds are also done according to norms. There is compulsion of following rules during the entire functioning. Every insurance company has to deposit a security amount to IRDA which increases with the increase in business.
- Widow could be insured, if she is earning.
- It is compulsory to deposit premium for three years to get the surrender value of that policy. But policy can be revived by depositing installments within two years of due date. In invest gain plan, interest is to be given. In capital unit gain plan, interest is not required. In Invest gain plan, whenever fails to pay the installment during the entire policy period, policy is discontinued after the grace period. If insured dies during this period only surrender value (if there is) is given. In capital unit gain plan if premium is paid for three years and not paid after that, then also policy will continue.
- Insurance come into force after checking of all the documents and issuance of policy. Insurance does not begin before issuing policy.
- After three years, entire amount can be withdrawn by surrendering the policy but this is not beneficial. In capital unit gain plan the partial amount (Leaving 150% of 1st year premium), can be withdrawn after three years and policy is also continued.
- For all types of services contact at Bhilwara office of Bajaj Allianz.
Address:-
BAJAJ ALLIANZ ALTERNATE CHANEL
OPP. CIRCUIT HOUSE, BHILWARA-311001(RAJ.)
- One can take policy in the name of only that person who falls in the definition of "insurable interest". Like-
Father for son
Wife for Husband (when wife is earning)
Husband for wife
Grandfather for grand-children
In such conditions, procedure for application is different. For this you can enquire separately.
- At the time of insurance proposer should be physically and mentally well. One should not hide his disease knowingly. And one should take policy as per his income level.
- In company's capital unit gain policy only yearly option is available. To provide better service this option has always proved best till now.
- In such situation one has to be present at Bhilwara office of BAJAJ ALLIANZ ALTERNATE CHANEL with Ration card or Voter ID and complete the concerned formalities. It is compulsory to carry either Ration card or Voter ID.
- One can take insurance up to 10 times of his last three year's average income. (Deducting the previous insured amount) for premium amount more than 1 lakh, income proof is required.
- For insurance, medical reports should be made by approved doctor. Reports made within 6 months are accepted.
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