Frequently Asked Questions (FAQs)
General Insurance
Q1: What is general insurance?
General insurance covers all types of non-life risks such as health, motor vehicles, home, travel and businesses. It is designed to protect valuable assets against unforeseen events.
Q2: What are the popular types of general insurance?
Key categories include health insurance, motor/vehicle insurance, home insurance, and travel insurance. Each can be customized according to individual coverage needs.
Q3: Who is eligible to buy general insurance?
Eligibility depends on the type of insurance and provider. For example, health policies might have age limits or require a medical check.
Health Insurance
Q4: What does health insurance cover?
Health insurance typically covers hospitalization expenses, day-care treatments, surgeries, and sometimes critical illnesses. Plans may differ in terms of inclusions and exclusions.
Q5: Can I get cashless treatment with health insurance?
Yes, if you are admitted to a network hospital listed by the insurer, you can avail cashless claim settlement. Check your policy for network hospital lists.
Q6: Are pre-existing illnesses covered?
Most policies exclude pre-existing illnesses for a certain waiting period. After this tenure, many plans start covering those conditions.
Life Insurance
Q7: Why do I need life insurance?
Life insurance protects your family financially after your demise and can be tailored for income replacement, debt repayment, or future goals.
Q8: What types of life insurance are available?
Popular options are term life, whole life, and ULIPs (investment-linked plans). Each offers different coverage periods and benefits.
Q9: How much life insurance should I buy?
The ideal coverage depends on your age, income, debts, number of dependents, and financial goals.
Motor/Vehicle Insurance
Q10: What does vehicle insurance cover?
Motor insurance includes protection against accidental damage, theft, third-party liability, and personal accident coverage. You can select coverage as per your needs.
Q11: How to buy or renew a Bajaj Allianz policy through Turtlemint?
You can purchase or renew policies online via the Turtlemint portal by providing required details and paying the premium. Renewal is hassle-free if you are an existing customer.
Q12: How do I make a claim?
Claims for Bajaj General Insurance can be registered online or by calling their dedicated toll-free number provided in your policy documents. Ensure all necessary documents are ready when submitting a claim.
Policy Process & Support
Q13: Can I compare insurance plans before buying?
Yes, using online platforms like Turtlemint Pro, you can compare plans by coverage, premium, features, and select what suits your needs and budget.
Q14: What should I check before buying insurance?
Review your coverage needs, understand the inclusions and exclusions, confirm the list of network hospitals (for health), and go through policy terms and conditions thoroughly.
Q15: How do I contact claim support?
For Bajaj General Insurance: Call the toll-free number mentioned on your policy card or visit the official claims portal. For Turtlemint: Use the dedicated support channel for customers.
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