Travel peacefully With insurance

And worry -free to make your picnic is essential that you learn about travel insurance . Additionally , it is possible to use . Travel insurance for you and your family during this accident , medical emergency , loss of luggage at the airport , in situations like losing a passport provides an economic safety net . Some companies in air travel insurance cover in the event of delay or cancel your flight amenities.
Usually you get insurance cover for a fixed period . But his travel insurance plans from different companies you can . Some companies also offer special packages for business travelers .
Travel Insurance benefits :
The biggest advantage is that you medical assistance abroad in an emergency situation may be very costly . Travel insurance personal accident abroad , you can find great relief . If for some reason you are sent back to the country , or a relative's dead body in the country to bring back the insurance cover is quite handy .
While abroad, you may need to extend your insurance , so be sure to ask your insurance company Stren . Some companies are included in the policy to extend the duration of the trip . Senjen like a certain type of visa Visa Travel Insurance is mandatory to you .
Certain things :
- You exchange policy , Insurance Pandit , Jesse Click to go to the website Insure companies can compare travel insurance plans and premiums .
- Some insurance companies even after your trip offer you insurance . Insurance agents can learn from .
- Remember to bring your policy during the visit . Policy number , contact person , TPA etc. to meet your claim will be easier to stay in touch .
- 's Been some changes in your travel plans , your premium back that some companies .
- In case of loss of passport or temporary passport Duplicate



cost is included in your travel insurance .

Financial Planing Analyze Your Financial goals First

We should be checking their economic plans that are effective or not these changing times. Over time, reducing your financial responsibilities - keep on growing.






Example - after the wedding comes the responsibility of the individual above his or her spouse. Planning must be for her, so in the future, children education, marriage, retirement, travel abroad are many stops which kept the investment policy is changing.

So you round here being advised that changing your investment strategy should be like.



The expenses should have all of the time. Loans, loan interest, moving expenses due to rising inflation, some of which can be calculated. Please observe all possible points on the budget and taxes. All targets together with your spouse, planning responsibilities to.

When it should take care of their net worth. You need to decide whether or not to take financial responsibility both of you. Mix it with your goals, individually and to create separate accounts for goals individually with the savings and investment planning.



Keep your financial documents updated from time to time. Among the new nickname, new address, please add the name of the beneficiary etc etc.. Women's marriage - marriage, divorce, etc. nickname in case there is a change in this information and all bank accounts, insurance policies, health insurance, etc. The men of their new address, contact numbers, e-mail etc. should be fully aware of.

Marriage - marriage certificate and power of attorney in case of marriage, etc., are one of the most important papers. The extension while you enjoy your beneficiary, etc. The names of nominees must lodge well with correct spelling.



With increasing responsibilities also increase your insurance cover. In its policy, the names of people dependent on you - wife, child, do not forget to include as a nominee.

You top insurance - car up so you can get the same insurance benefits that much.


Create different for long and short term financial plan and work according to plan. Joint investment policy will make both of you will be aware of all things and will have no trouble achieving investment goals. With it, you can achieve better returns and better earnings.

If investment plans once every 3 months after that check it, consider switching loan, the Fund buying - selling, you do not need to change or add new funds. If you are not able to do all this for yourself, you can take the advice of a financial planner.



If some of your family members depend on you, you should think about making a bigger emergency fund. At least 6 times your monthly expenses Keep your emergency fund. Job acquittal, in case of sickness and accident, you may need the funds.


You do not wasteful spending is essential to create a family budget. Not only will you avoid unnecessary costs through the budget rather long period can manage your money. You must write your expenses under budget, what your investment goals and what item you have to spend much money, should take care of that.

Financial software for managing your budget, you could also use the Perifoes, Em profit and Invest plus software such as portfolio management and budgeting you can help.



If you have two nominees will be equal on both the financial responsibilities that you should te.

If you are living beings with the sole earning your husband - wife at least pay the bills and other short - ask to play with big responsibilities.

This kind of house isolated from the freedom to play responsibilities.

Mutual exchange of ideas - provided you can take advantage of mental peace. Sit with your family and financial information, investment strategy, decide which everything could build a better future.

Insurance Planing First Step To The Future

The first step in providing input at the beginning of your job that you must have your own insurance. Since getting the job should start investing. Initially, the chance to have the highest investment and savings.



Funds or equity investments
Medical Insurance
Accident insurance

How much to invest

Saving money does not have to be too much. Investing or saving a little every month and you will save a lot of money. You will work in bad times.

At this stage of life is difficult to think long-term. However, there are some things you need, such as a house, buy, buy car, get married. If all these requirements as soon as the money saved, the better.



Is it necessary to have health insurance with savings. Or if you do not need life insurance, but Make sure your life insurance. Despite being healthy, get health insurance. Hospitals and treatment of disease when doing so will cost the insurance company.

Let your insurance for accidents. It makes you attached to accident, disability, and death for treatment will be preserved.

Make Sure Every Member Should Insured In The Family

 1. In the name of every member of the family to income tax filing. His wife's income tax file. The Clbing note of income. 3 people can not give gifts as husband and wife, mother and father in law. Gift giving Gift giving by income, the income of the Judehgi. No one can give the loan. For their adult children must create an income tax file. IT to create files Rs 2 lakh to every member of the family can enjoy income tax exemption.

2. Undivided Hindu family unit, ie if you do not even get it started in 2013. HUF tax planning is the best choice. If your child does not need to HUF. Indivijuel the kind of HUF tax deduction. The income is tax free up to Rs 2 lakh. With an investment of Rs 1 lakh under Section 80C offers tax rebate. The interest on the Homlon can take up to Rs 1.5 lakh.

3. Make sure every member of the family of the insured in 2013. Insurance policy to ensure the safety of all family members. According to the new law, 10 per cent of the sum assured is not at a premium to 1 year. It will not be much tax on premiums.

Good investment strategy tips for every one

Good investment strategy, investors should take care of certain things.

Your investment goals - all you must understand what you aim for so many years, how much money you want.

Equity, mutual funds, debt, PPF, gold or any other investment property and your choice through the goal with all your might.

Please investment asset class.

Your investment strategy should be based on actual facts - rising inflation, changing market conditions, by considering the situation of the country in the future prospects of the investment returns estimate. Today, the same price of Rs 100 the price will not last beyond 5 years.

You are the backbone of the family and you have insurance, health plans, etc. have not taken the whole of the investment strategy is incomplete. Accident and life does not come by telling your family will need money at every turn.

Basic requirements of life Insurances Of different Types

Over time, the basic requirements of life changes.

Micro insurance By the Working Group Insurance Company among people from different insurance should be. In this case the person changes jobs are at risk of ending life insurance cover. On leaving the company to meet all benefits under group insurance are over.

10-15 times the annual income of  life  term plan should be covered. Nowadays most people are salaried or buy Home loan extension to the house. If taken separately Home loan Home loan Term insurance is good to have the option.

LIC for life cover of Rs 50 lakh over the life of the policy can be invaluable. If you want low premiums for Term Life Insurance Plan by bike. Protect Term Plan, ICICI Prudential came online at the lowest premium policy provides.

LIC invaluable in public companies and private companies, ICICI Prudential Life Fixed Term Plan, Aviva Life Shield, Aegon I term term plan to protect and MetLife are good. On the basis of these life insurance premium can choose your choice.

Adding additional rider with a term plan may help in an emergency situation. Term plan with return of premium rider take a little extra to get more benefits.

What is Financial Planning and How Financial Planning is Calculate.

Happy to make the best efforts are not enough but it will have to be meaningful to us.

Recently we read in the papers for the March 31 tax savings of investors, those who file tax returns, tax collectors were engaged in long rows.

How Financial Planning

1. Set goals to financial nature: in every person's life there are many different goals such as children's education - married, buy a car, buy a house, retirement, etc.. With inflation taking us to determine the amount you should take in the future.

Increase Savings:

Put down on unnecessary expenses: expenses incurred on account of their different reckoning Review Place and Time item in which expenses can be reduced.

Reduce the burden of loan: a loan to us, which do not contribute to our net, should plan to repay immediately.

Do not fade. So we at the beginning of the year tax planning should start investing in the proper tools.

Risk Management:

Assess Potential Risk: Our life is surrounded by uncertainties, which may occur in the future are obstacles in achieving our goals. So let future should assess all such potential risk.

Get adequate insurance cover: insurance risk transfer is the process by which we can transfer financial risk by paying the premium and the insurance company can secure your future. Whether it be life insurance or health insurance, most of us are housed individuals who take this insurance, are not enough to cover them. The main reason that we seek returns in insurance and risk tend to under-estimate. Therefore requires that adequate life insurance and term plans aimed at increasing medical Cast ensure adequate health insurance.

Emergency fund: Every person's life remain uncertain events occur, Willingly we do not include them in your financial planning. We are 4 to 6 months, monthly expenses, loan - EMI, the annual insurance premium equal to the emergency fund should be made ready.

6.mentally healthy person over the age of possession of the property / life insurance policy, the will must necessarily write.

So let your financial planning should take advantage of the services of the Certified Financial Planner.can make your life richer and happier.

News Rules For Medical Insurance

If you have small hospital will treat this July will not mediclaim. IRDA has changed many rules of medical insurance. IRDA has also prepared a list of 200 products mediclaim will not find in other expenses. It must now undergo treatment in hospital before you take out that there are many beds.

IRDA guidelines recently released under the 10-bed hospital treatment will not cost you Mediclaim cashless facility. IRDA has said that the definition of the Hospital with a population of less than 10 million 10-bed hospital in the city for mediclaim is required. The 15-bed hospital in the city of 10 million above the cost of treatment will only Mediclaim.

Something About Insurance Term Plan For everyone

The online term plan in the market glut is a difficult task to choose the right term plan. So we have come up with suggestions to overcome this problem. Similarly, several tips related to your Insurance

Online term plans are almost the same for all companies. Aegon Religare Term Plan Terminal illness benefit get into the terminal. 25 per cent of this sum is spent in the treatment of serious diseases. This is the additional premium. You can take a term plan for at least 35 years old is quite low because. LIC online term plan does not exist in the market. Offline option of LIC term plan is quite good but it's a bit expensive compared to other policy.

Because of the accident is your ability to work over the term plans do not cover the policy should therefore Accidental Disability. Accidental Death, Disability policy, you will have to take less. Accidental Death cover is so easy to find but difficult to get covered for disability. Bajaj Allianz Personal Guard policy to cover personal accident take. It costs Rs 25 lakh annually for the cost of Rs 3000. It can get disability cover of Rs 50 lakh.

Home insurance policy through your own bank and a company policy term plans are not obliged to take. The bank can not force you. However, you should definitely Insurance home. For the safety of your family and home, but you must take Term Plan. You have taken a home loan from a company other than a company that offers online turnkey plan