insurance
Cover for hospitalisation and medical expenses for you and your family.
Things to consider
Sum insured relative to city healthcare costs · Network hospitals · Room rent limits and co-payment
Common exclusions & limitations
Waiting periods for pre-existing conditions · Cosmetic procedures · Specific listed exclusions per policy
Pure life cover that pays a benefit to nominees if the insured passes away during the term.
Things to consider
Cover amount relative to income and liabilities · Policy term · Accurate health disclosures
Common exclusions & limitations
Suicide clause in early policy years · Non-disclosure of material facts
Plans combining life cover with savings or income benefits.
Things to consider
Premium commitment over the term · Surrender charges · Benefit illustration assumptions
Common exclusions & limitations
Policy-specific exclusions apply
Mandatory third-party and optional comprehensive cover for cars and two-wheelers.
Things to consider
Insured declared value (IDV) · No-claim bonus · Add-ons like zero depreciation
Common exclusions & limitations
Driving without a valid licence · Driving under influence · Normal wear and tear
Cover for medical emergencies, trip delays and baggage issues during travel.
Things to consider
Destination country requirements · Medical cover amount · Trip duration
Common exclusions & limitations
Pre-existing conditions unless covered · Adventure sports unless added
Benefits in case of accidental death or disability.
Things to consider
Coverage for permanent and temporary disability · Sum insured
Common exclusions & limitations
Self-inflicted injuries · Injuries under influence
Protection for business property, liability and operations.
Things to consider
Asset valuation · Nature of business risks · Policy wording
Common exclusions & limitations
Wilful negligence · Policy-specific exclusions apply
RAREWOOD CAPITAL is not an insurer and does not underwrite policies. Policies are issued by insurance companies subject to their terms. Read the policy wording and sales brochure carefully before buying.
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