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FAQ's

FAQs:

:- What is life insurance? :

:- Why does one need life insurance? :

:- How much to insure / What is my insurance requirement? :

:- What are the types of life insurance policies? :

:- What are joint life policies? :

:- How to choose which type of life insurance meets your requirements? :

:- Factors that affect life insurance premiums? :

:- What tax benefits are available for life insurance in India? :

:- What is a Term Plan? :

:- What is a Level Term Policy? :

:- What is a Mortgage Term Plan? :

:- What is a Return of Premium Term Plan? :

:- Why should one buy Term Insurance? :

:- When should I buy Term Insurance? :

:- How much Term Insurance do I need? :

:- What is Term Return of Premium? How does it compare with Term Insurance? :

:- What are Unit Linked Plans? :

:- What are traditional plans? :

:- What are Endowment Plans? :

:- What are Money back plans? :

:- Comparison between Unit Linked Plans and Traditional Plans? :

:- What are Child Insurance Plans? :

:- What are Pension plans? :

:- What are riders? How do I decide if I need to buy a rider? :

:- What is an Accidental Death Benefit Rider? :

:- What is an Accidental Disability or Dismemberment Rider? :

:- What is a Waiver of Premium Rider? :

:- What is a Critical Illness Benefit Rider? :

:- What is a Hospital Cash Benefit Rider? :

:- What is a Level Cover Rider? :

:- What is Double Sum Assured Rider? :

:- What are Exclusions? :

:- What is Nomination? :

:- Can a Nomination be changed? :

:- What is the difference between nomination and assignment? :

:- What is a home loan? :

:- What are the types of home loans available to choose from? :

:- How much home loan can I afford? :

:- How should I decide on the duration of my home loan? :

:- What should one keep in mind while filing a life insurance claim? What documentation is required for making a life insurance claim? :

:- What are the type of interest rates offered for home loans? :

:- Which are the Life Insurance companies operating in India? :

:- What are the various charges banks may charge on home loans? :

:- How to choose between fixed rate and floating rate home loans? :

:- Can the interest rate system be changed during the tenure of home loan? :

:- What is Insurance and Regulatory Development Authority (IRDA)? :

:- Who is an Insurance Ombudsman? :

:- What kind of complaints can you take to an Insurance Ombudsman? :

:- When and How to lodge your complaint? :

:- What is the eligibility of home loans for a co-owned property? :

:- Is it possible for me to get a home loan after I buy the property? :

:- What are the documents required to file for a home loan? :

:- What are the pre-payment or foreclosure charges in home loans? :

:- How should I decide if a loan transfer is beneficial for me? :

:- What is a personal loan? :

:- What are the benefits of Personal Loans? :

:- Which is the best personal loan for me? :

:- What are the various charges involved in a personal loan? :

:- What documents do I need to carry while filing for a personal loan? :

:- What are the basic criteria that banks use for sanctioning a personal loan? :

:- What is the maximum period for which I can get a personal loan? :

:- Can personal loans be taken with your spouse? :

:- What is CIBIL? How does a CIBIL score impact my loan? :

:- What are Fixed Deposits? :

:- What is the minimum and maximum tenure of fixed deposits? :

:- What is the minimum and maximum amount that can be deposited in these accounts? :

:- When can I get my interest amount on Fixed Deposits? :

:- Can I withdraw the money before the tenure of the fixed accounts is completed? :

:- Are there any charges on fixed deposit accounts? :

:- What is a Credit Information Report? :

:- What is Credit Information Bureau? :

:- How does a Credit Information Bureau operate? :

:- What type of information on a borrower is available in the Credit Information Report? :

:- How do I get my CIBIL Credit report? :

:- When is a credit facility classified as 'default'? :

:- How do I ensure that a CIR drawn on me as an individual / organisation does not contain negative information? :

:- If I am a first-time borrower, will I be at a disadvantage as there will be no information on me? :

:- Does the CIR indicate if credit should or should not be given? :

:- Will my CIR reflect if any credit application has been rejected? :

:- If my application for credit has been rejected by any credit grantor, will others also reject it? :

:- I think that my CIR has errors or reports a default which I do not agree with. How do I rectify the information in my CIR? :

:- Who can access Credit Reports? :

:- What is Health Insurance and Why should I buy Health Insurance? :

:- What is a family floater policy? How is it different from an individual policy? :

:- What should I keep in mind while purchasing Health Insurance? :

:- Apart from premium what other factors should I consider before choosing a health insurance policy? :

:- What is a critical illness cover? :

:- Are pre-existing diseases covered under health-insurance? :

:- What are the documents required for buying a health insurance? :

:- What are the minimum and maximum policy durations for Health Insurance? :

:- What are the minimum and maximum ages to get a health insurance? :

:- What is the minimum / maximum amount of sum insured that I can opt for? :

:- Am I entitled for cover immediately after I take my policy? :

:- Can parents be covered under my Health insurance policy? :

:- Why should I take a Health Insurance plan if I already have health insurance from my employer? :

:- Can I buy more than one Health Insurance policy? :

:- Are there any taxation benefits available with health insurance policies? :

:- What is cashless facility? :

:- What is a TPA? :

:- What are Network Hospitals? :

:- What is a health card or cashless card? :

:- What are the expenses that are covered in a health insurance policy? :

:- What is typically not covered in a health insurance? :

:- Are naturopathy and homeopathy treatments covered under a health policy? :

:- Are Maternity/Pregnancy related expenses covered under Health Insurance plans? :

:- Does a health insurance policy cover hospital expenses overseas? :

:- What are the documents required for filing a health insurance claim? :

:- What is the maximum number of claims allowed over a year? :

:- What are pre & post hospitalization expenses? :

:- What is domiciliary hospitalization? :

:- Are there any benefits if I make no claims in an entire year? :

:- Can I increase/decrease the Sum Assured of my health policy? :

:- What is Travel Insurance? What does it cover? :

:- What should I keep in mind while buying Travel Insurance? :

:- What is single trip insurance and how does it differ from multi-trip insurance? :

:- Is there a cashless facility available for medical expenses under Travel Insurance? :

:- What is covered under Medical Expenses in a travel insurance policy? :

:- What does a ‘deductible’ or ‘deductible excess’ in Travel Insurance mean? :

:- What is covered under Personal Accident in a Travel Insurance policy? :

:- What is covered under Personal Liability in a Travel Insurance policy? :

:- What is covered under Loss/Delay of Baggage in a Travel Insurance policy? :

:- What is covered under Delay/Cancellation of trip in a Travel Insurance policy? :

:- What is Car Insurance? Why should I purchase Car insurance? :

:- What does a comprehensive car insurance policy cover? :

:- What is not covered in my car insurance policy? :

:- What additional covers can I ‘add-on’ to my base car insurance policy? :

:- My vehicle has CNG kit installed apart from the original petrol engine, can I get it insured? :

:- Is there an age limit for vehicles being insured? :

:- How is my car insurance premium calculated? :

:- Are there any ways through which I can lower my premium amount, i.e. get some discounts on my car insurance premium? :

:- What is "NO CLAIM BONUS"? :

:- What is a Car Insurance cover note? :

:- What is cashless claim service in Car Insurance? :

:- What if the accident takes place in a city other than where the motor insurance policy was issued? :

:- What documents need to be submitted when I make a car insurance claim? :

:- What is Home Insurance? What does it cover? :

:- Why should I take a Home Insurance policy? :

:- What are the various home insurance covers that are provided by insurance companies? :

:- How is the value of my house assessed by the insurance company? :

:- How does an insurance company assess the value of the contents of my house? :

:- Is there a survey done at the time of purchasing a home insurance policy? :

:- What is the duration of a home insurance policy? :

:- Why do I need home insurance if I don’t own the house but live as a tenant? :

:- I am a tenant and have insured the Contents of my home. What changes do I have to make in my policy if I change my residence? :

:- Are valuables such as jewellery etc. insured outside the premises of my house? :

:- What is typically not covered under a Home Insurance policy? :

:- Can I discontinue my home insurance policy midway? :

:- What happens if I sell my house? :

:- Does the age of my house have any impact on my home insurance premium? :

:- The cost of my house will increase with time. How do I make sure I am adequately covered? :

:- I have got another house that is presently not in use, can it be insured and if yes, what type of cover should I go for? :

:- Are there any tax exemptions on householders' policy premium? :

:- What is the process of claiming under home insurance policy? :

:- What are the Documents required to file a claim? :

:- What is Personal Accident Insurance? What does it cover? :

:- What are the exclusions under Personal accident insurance? :

:- Do I need to go for a medical examination for Personal accident insurance? :

:- What is the duration of Personal Accident Insurance covers? :

:- What are the maximum and minimum Sum Insured under Personal Accident Insurance? :

:- What is a credit card? :

:- How do I get a credit card? :

:- What is credit limit? :

:- What is grace period or interest free period? :

:- What are the different fees charged by banks? :

:- What do I need to do in case i lose my credit card? :

:- What should I keep in mind while choosing Reward Credit Cards? :

:- What are some good and not so good ways to use reward points on credit cards? :

:- What is Credit Protection Plan? Is it worth considering? :

:- How should one prevent online fraud? :

:- What is meant by a direct flight? :

:- What if the flight gets cancelled? Do I get the refund? :

:- Are there any vaccinations that I should get before making an international trip? :

:- Until what time can I cancel my booking online? :

:- I am travelling with an infant. Is there anything special I need to know? :

:- What are the Baggage Allowances that I am allowed? :

:- What are the various formalities that I need to complete at the Airport for International Travel? :

:- Can you provide some details on custom regulations regarding the goods one can carry? :

:- What if I lose my pass port? :

:- If I get stranded in a country due to some natural calamity or any unforeseen circumstances, what should I do? :

:- If the motive of my trip is basically adventure, what things should I keep in mind? :

:- Why should I book with i-save.com instead of making a reservation directly through the hotel? :

:- How long will it take to get a confirmed booking? What happens if my booking is not confirmed? :

:- How do I know that the hotel room I have booked is confirmed? :

:- Under whose name should I make the reservations if I wish to book multiple rooms? :

:- How do I search for hotels with specific Amenities or Ratings, etc? :

:- I have made the hotel booking, but I would like to modify the booking (change name/dates etc.). How do I do this? :

:- My money has been deducted, and I have not received any confirmation mail or booking ID. What should I do? :

:- Are my credit/Debit card details secure through your website? :

:- I want to book online but don’t have any credit or debit cards. Can I still book online? :

:- Is it possible to get an early/late Check-In/Out in the hotels? :

:- Do you have any travel insurance plan for me? :

:- Can I use my card to make a booking in someone else's name? :

:- If I already have a confirmation with a hotel, but later come across something better, can I get a refund for my previous booking? :

:- How do I cancel my hotel booking? :

:- What are the different classes of Tickets available on Indian Railways? :

:- I get “RAC” in the availability status when I look for train tickets. What does ‘RAC’ mean? :

:- Does it mean that I can board the train even if my ticket status remains RAC till the end? :

:- Is Railway booking available on i-save.com? :

:- Why is the rail online booking facility not available after 11:30 PM IST? :

:- What is the difference between an e-ticket and an i-ticket? :

:- Can I carry the photocopy of the required identity proofs? :

:- What are the documents that are accepted as valid identity proofs? :

:- How much extra do I have to pay for my Tatkal ticket? :

:- How many days in advance can I book a normal ticket? :

:- How many days in advance can I book a Tatkal ticket? :

:- When can I book a tatkal I-ticket and e-ticket? :

:- What mode of payment can I use while booking? :

:- Is it safe to give the credit card details online? :

:- How do I check the PNR status of my ticket? :

:- How can I make Changes in the boarding station and in name of E-Ticket passenger(s)? :

:- What is the cancellation charges levied on cancelling a train ticket? :

:- What is TDR? :

:- When will the refund be credited to my account after filing the TDR? :

:- If my ticket remains Waitlisted even after the chart preparation, will I get any refund? :

:- My train is late and now I don’t want to perform the journey. Will I get refund for my ticket? :

:- If my ticket is Waitlisted or RAC, how will I get to know if the ticket has been confirmed or not? :

:- I have got a confirmed ticket but there is no seat or coach number on it. Is something to worry about? :

:- Why do I get multiple stations when I search for a single city? :

:- Can I choose my own seat/berth or coach? :

:- If I have a partially confirmed ticket, with some passengers confirmed and some waitlisted, will the waitlisted passengers get a seat/berth? :

FAQs Details: