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INSURANCE

Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss. An entity which provides insurance is known as an insurer, insurance company, insurance carrier or underwriter.

TYPES OF INSURANCE YOU SHOULD KNOW

AUTO INSURANCE

Auto insurance is critical if you drive. Not only is it required in most states, but car accidents are expensive—over $10,000 even without any injuries, and more than $1.5 million if a crash is fatal. These costs come from medical expenses, vehicle damage, wage and productivity losses, and more.

Most states require that you have basic auto liability insurance, which covers legal fees, bodily injury or death, and property damage to others in an incident where you are legally responsible. Some states also require you to carry personal injury protection (PIP) and/or uninsured motorist coverage. These coverages pay for medical expenses related to the incident for you and your passengers (regardless of who is at fault), hit-and-run accidents, and accidents with drivers who don’t have insurance.

HOME INSURANCE

For many people, a home is their greatest asset. Home insurance protects you and your investment by extending a financial safety net when unpredictable damage occurs. If you have a mortgage, your lender probably requires a policy.5 But if you don’t buy your own policy, your lender can buy it for you—potentially at higher costs and with more limited coverage—and send you the bill.

HEALTH INSURANCE

Health insurance is easily one of the most important types of insurance to have. Your good health is what allows you to work, earn money, and enjoy life. If you were to develop a serious illness or have an accident without being insured, you might find yourself unable to receive treatment or forced to pay large medical bills. A recent study published in the American Journal of Public Health showed nearly 67% of respondents felt their medical expenses contributed to their bankruptcy.

“Purchasing health insurance is an integral part of managing key personal financial risks,” said Harry Stout, a personal finance author and former president and CEO of a life and general insurance company. Stout told The Balance in an email that “not having coverage can be financially devastating to households because of the high cost of care.”

TRAVEL INSURANCE

When talking about the different types of insurance policies, one must not forget to learn more about travel insurance plans. Such policies ensure the financial safety of a traveller during a trip. Therefore, when compared to other insurance policies, travel insurance is a short-term cover.

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Depending on the provider you choose, travel insurance may offer financial aid at various times, such as during loss of baggage, trip cancellation and much more.

PROPERTY INSURANCE

Any building or immovable structure can be insured through property insurance plans. This can be either your residence or commercial space. If any damage befalls such a property, you can claim financial assistance from the insurance provider. Keep in mind that such a plan also financially safeguards the content inside the property.

MOBILE INSURANCE

Owing to the rising price of mobile phones and their several applications today, it has become imperative to insure the device. Mobile insurance allows you to reclaim money that you spend on repairing your phone in the event of accidental damage.

Further, you can also claim the same in case of phone theft, making it easier to replace the handset with a new phone.

CYCLE INSURANCE

Bicycles are valuable properties in India as some people rely on these vehicles for their daily commute. A cycle insurance policy ensures that you have access to necessary funds should your bicycle undergo accidental damage or theft. It saves your out of pocket expenses, while also ensuring immediate repairs to the vehicle.

BITE-SIZE INSURANCE

Bite-sized insurance policies refer to sachet insurance plans that minimise your financial liability for a very limited tenure, generally up to a year.

These insurance plans allow you to protect your finances against specific damage or threats.

For instance, particular bite-sized insurance may offer accidental cover of Rs. 1 Lakh for a year. You can choose this policy when you think you might be particularly susceptible to accidental injuries.

Another example is insurance cover for specific diseases. For instance, if your area is prone to water-borne diseases, such as cholera, you can pick a policy that covers cholera treatment and all associated costs for a 1-year period.

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