What Is Insurance?
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Insurance?
Insurance is an agreement between you and an insurance company. You pay a small amount of money regularly (called a premium), and in return, the insurance company promises to help you pay for big costs if certain things go wrong.
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Auto Insurance
Helps cover repair costs if your car is damaged in an accident or stolen.
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Health Insurance
Covers medical expenses when you're sick or hospitalized.
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Home Insurance
Protects your home against damage from fires, storms, or theft.
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Grow your wealth with smart mutual fund investments. Easy to use, professionally managed, and perfect for both beginners and experienced investors.
Why Is Insurance Important?
Financial Safety Net
Insurance acts as a financial safety net, protecting you from unexpected expenses that could otherwise devastate your savings.
Real-life Protection
Without insurance, a ₹5,00,000 hospital bill could wipe out your savings. With insurance, you might only pay ₹50,000 while the insurer covers the rest.
Different Types of Insurance
Choose the right protection for every aspect of your life and business with our comprehensive insurance solutions.
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Life Insurance
Term Life: Coverage for specific period
Permanent Life: Lifetime coverage with cash value -
Health Insurance
Employer-provided plans, Private insurance options, Government schemes like Ayushman Bharat
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Business Insurance
Property coverage, Liability protection, Worker's compensation for complete business security
Understanding Insurance Terms
Premiums
The regular payments you make to maintain your insurance coverage and keep your protection active.
Deductibles
The amount you pay out-of-pocket before insurance coverage kicks in for a claim.
Coverage Limits
The maximum amount your policy will pay for a covered claim, ensuring you know your protection boundaries.
How to File a Claim
Follow our simple 4-step process to ensure smooth and quick claim settlement with maximum transparency.
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1. Contact Your Insurer
Notify your insurance company as soon as possible after the incident with initial details.
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2. Provide Documentation
Submit all required evidence like photos, receipts, medical reports, and police reports.
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3. Claim Assessment
The insurer reviews your claim to verify coverage and assess the damages or loss.
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4. Resolution & Payment
If approved, payment is issued either directly to you or to the service provider.
Tips for Buying Insurance
Compare Before Buying
Evaluate multiple options considering coverage, price, company reputation, and claim settlement ratio to find the best fit.
Look Beyond Price
The cheapest policy may not offer adequate protection when you need it most. Focus on comprehensive coverage and reliable service.
Best financial service provider in Dibrugarh. They also provide hassle-free and fast processing of all the services. Overall a great experience with Shani Finserve.
Rahul Das ( Business Owner )
Shani Finserve is a blooming money market today. Great place to find all your financial needs under one roof.
Priyanka Deka ( Marketing Executive )
Best services for business loans, property loans & personal loans. They provide instant loan approval online in Assam.
Manoj Kalita ( Entrepreneur )
Amazing service provided by the company—really smart and standard service. They are so systematic in all documentation work.
Neha Borthakur ( HR Consultant )
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