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Insurance is a contract between the policyholder and insurer in which the insurer promises to cover financial loss caused by certain events. In India, the two broad categories are General Insurance, which includes health, vehicle, and related covers, and Life Insurance, which includes products such as term, ULIP, endowment, and annuity plans.

Health insurance offers financial support for expenses related to hospitalization, medicines, and doctor consultation. With rising medical inflation, it has become one of the most important protections for individuals and families.

The core objective of life insurance is to provide financial support to the family of the policyholder in case of death. Some plans also include savings or investment features, making life insurance a key part of long-term family security.

Yes. Under the Motor Vehicles Act in India, every motor vehicle must have third-party liability cover. Comprehensive vehicle insurance extends this by covering both third-party liabilities and damage to your own vehicle.

Personal accident insurance covers medical expenses arising due to an accident and may also provide compensation in case of partial disability, permanent disability, or death.

Health insurance premiums may qualify for deduction under Section 80D. Life insurance premiums may qualify under Section 80C up to the applicable limit, and certain maturity or claim proceeds may be exempt under Section 10(10D), subject to policy terms and tax rules.

A rider or add-on is an optional coverage feature added to the base policy. These additions usually come at a relatively low extra cost and help customize the policy to your needs.

The premium is the amount paid to buy and continue an insurance policy. It depends on factors such as age, policy type, amount of coverage, and the benefits selected.

Sum assured is commonly used in life insurance and refers to the amount payable on death or maturity as per policy terms. Sum insured is more common in general insurance and indicates the maximum coverage amount available under that policy.

A nominee is the person chosen by the policyholder to receive policy benefits in case of the policyholder's death. This is typically a spouse, child, or parent.