• The wife alone
• The child/ children alone (both natural and adopted)
• Wife and children together or any of them

A hybrid fund is a category of mutual fund that is characterized by portfolio that is made up of a mix of stocks and bonds, which can vary proportionally over time or remain fixed.

Hybrid fund is a mutual fund that invests in both, shares and bonds.

In a mutual fund a professional manager chooses investments that match the fund's goals for risk and return. Through mutual fund an investor holds a variety of investments which can make it easier for him to diversify his investments in different shares and other instruments.

Some of the major benefits on investing in a mutual fund are: - Diversification - Professional management - Convenience - Liquidity - Variety of schemes and types - Tax benefits

NFO stands for a New Fund Offer. When a new fund is launched for investors, it is known as a NFO. A NFO could also be the launch of additional units of a close-ended fund

Systematic Investment Plan (SIP) is an investment vehicle offered by mutual funds to investors, allowing them to invest small amounts periodically instead of lump sums. The frequency of investment is usually weekly, monthly or quarterly.

You can buy units of close-ended mutual funds only when a mutual fund company launches the fund. Once you buy them, you have to hold your investment for a fixed tenure

An open-ended fund or scheme is one that is available for subscription and repurchase on a continuous basis. These schemes do not have a fixed maturity period. Investors can conveniently buy and sell units at Net Asset Value (NAV) related prices which are declared on a daily basis.

Under a Systematic Withdrawal Plan (SWP), an investor redeems a fixed number of mutual fund units at regular intervals.

Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly.

No one plans to get sick or hurt, but most people need medical care at some point. Health insurance covers these costs and offers many other important benefits. Health insurance protects you from unexpected, high medical costs. You pay less for covered in-network health care, even before you meet your deductible.

In a Family Floater plan all insured members are covered for the same sum insured under a single policy by paying one premium amount. The sum insured for a family floater is the maximum liability for any and all claims made by all the insured members.

An individual health insurance policy means a separate policy for each of the family member with individual sum insured.

By Pre-existing Condition we mean any condition, ailment or injury or related condition(s) for which you had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to the first policy issued by the insurer.

Pre- and Post-hospitalization expenses cover all medical expenses incurred within 30 days prior to hospitalization and expenses incurred within 60 days post hospitalization provided the expenses were incurred for the same condition for which the Insured Persons hospitalization was required.

A waiting period is the length of time the insured have to wait before being eligible for Health Policy benefits

With rapidly changing demographics and lifestyles prevalence of critical illness is on the rise in India. With rise in life expectancy and chronic nature of critical illness there is a requirement of additional funds to afford high medical costs for treating such critical illnesses. Our policy covers 8 most common critical illnesses where an insured member is compensated by a lump sum payment.

Your employer will cover your medical expenses only as long as you are in his services. On your leaving the company due to retirement or any other reasons you and your family will be stranded if a medical emergency arises and you do not have an alternative health insurance policy.