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Frequently Asked Questions
What is General Insurance?
General insurance refers to insurance policies other than life insurance, such as health, auto, home, travel, and commercial insurance. It provides coverage for various risks and financial losses, offering protection for your assets, health, and more.
What types of General Insurance policies do Shivansh Financials offer?
We offer a wide range of general insurance policies, including :
Health Insurance
Motor Insurance (Car & Two-wheeler)
Home Insurance
Travel Insurance
Commercial/Business Insurance
Liability Insurance
Marine & Cargo Insurance
Personal Accident Insurance
Why do I need General Insurance?
General insurance protects you from unexpected financial losses caused by accidents, damage, illness, or theft. It offers peace of mind by reducing your financial burden in case of emergencies.
How can I purchase General Insurance from Shivansh Financials?
You can easily purchase general insurance through our website by filling out a quick form or contacting our team for personalized assistance. We also provide online consultation and policy recommendations based on your needs.
What is the claim process for General Insurance?
The claim process for general insurance usually involves the following steps :
Notify the insurer about the incident or damage.
Submit all required documents and forms.
The insurer will assess the claim.
If approved, the claim amount will be disbursed to you.
For specific claims, you can reach out to our customer service team for assistance.
Can I renew my General Insurance policy online?
Yes, we offer the option to renew your general insurance policies easily through our website. Simply log in to your account, select the policy to renew, and make the payment.
What is the validity of a General Insurance policy?
The validity of a general insurance policy depends on the type of coverage you choose. Most policies are valid for one year but can be renewed annually to continue the coverage.
What is Car Insurance?
Car Insurance is a policy that provides financial protection against damage to your car, theft, or third-party liability in case of an accident. It ensures that you are financially covered in case of unexpected incidents involving your vehicle.
What types of Car Insurance policies do you offer at Shivansh Financials?
We offer two main types of car insurance policies:
- Comprehensive Car Insurance: Covers damage to your car, third-party liability, and theft.
- Third-Party Car Insurance: Covers liability for third-party damage, injury, or death caused by your car.
How can I purchase Car Insurance from Shivansh Financials?
You can easily purchase car insurance through our website by filling out the online form or by contacting our customer support team. We will guide you through the entire process.
What factors affect my Car Insurance premium?
Your car insurance premium is influenced by:
- Vehicle make, model, and age
- Your driving history
- Coverage type (Comprehensive or Third-Party)
- Geographic location
- No-claim bonus and discounts
What is the No-Claim Bonus (NCB)?
The No-Claim Bonus (NCB) is a discount offered to policyholders for not making any claims during the policy year. It can be used to lower your premium when you renew your policy with Shivansh Financials.
How can I file a claim with Shivansh Financials?
Filing a claim is simple. You can submit a claim through our online portal or by calling our 24/7 customer support. We will assist you in documenting the damage, assessing the loss, and ensuring a smooth settlement process.
Is Roadside Assistance included in the policy?
Yes, we offer optional Roadside Assistance coverage. This includes services such as towing, flat tire assistance, fuel delivery, and minor repairs to keep you safe on the road.
What documents do I need to provide to purchase Car Insurance?
To purchase car insurance, you will need:
- Vehicle Registration Certificate (RC)
- Driver’s License
- Previous insurance policy (if applicable)
- Proof of identity and address
What is the process for renewing my Car Insurance with Shivansh Financials?
Renewing your car insurance with Shivansh Financials is quick and hassle-free. You can renew your policy online by entering your details, reviewing your coverage options, and making the payment. Our team will send you a renewal reminder in advance.
What should I do if my car is involved in an accident?
If your car is involved in an accident:
- Ensure safety and contact emergency services if needed.
- Take pictures of the damage and gather information from involved parties.
- Inform Shivansh Financials and file a claim online or call us immediately for assistance.
What is Bike Insurance?
Bike insurance is a policy that provides financial protection against damage to your bike, theft, or third-party liability arising from accidents. It helps safeguard you from financial losses due to unforeseen events involving your motorcycle.
What types of Bike Insurance policies do you offer at Shivansh Financials?
We offer two main types of bike insurance policies:
- Comprehensive Bike Insurance: Covers damage to your bike, third-party liability, and theft.
- Third-Party Bike Insurance: Covers third-party damage, injury, or death caused by your bike.
How can I purchase Bike Insurance from Shivansh Financials?
You can easily purchase bike insurance through our website by filling out a simple online form, or by contacting our customer support team for assistance. We will help you choose the right policy for your needs.
What factors affect my Bike Insurance premium?
Your bike insurance premium is influenced by several factors, including:
- Make, model, and age of your bike
- Engine capacity and type of coverage
- Your riding history and claims history
- Location of registration
- Optional add-ons or coverage selected
What is the No-Claim Bonus (NCB) in Bike Insurance?
The No-Claim Bonus (NCB) is a discount offered to policyholders who do not make any claims during the policy period. It rewards you for safe riding and can be used to reduce your premium when renewing your bike insurance with Shivansh Financials.
How can I file a claim for Bike Insurance?
Filing a claim is simple with Shivansh Financials. You can submit your claim online via our portal or by contacting our customer service team. We will guide you through the claim process, including document submission and damage assessment.
Is Roadside Assistance included in the policy?
Yes, we offer optional Roadside Assistance coverage. This includes services such as towing, flat tire assistance, fuel delivery, and minor repairs to keep you safe on the road.
What documents are required to purchase Bike Insurance?
To purchase bike insurance, you will need the following documents:
- Bike Registration Certificate (RC)
- Driving License
- Previous insurance policy (if applicable)
- Proof of identity and address
How do I renew my Bike Insurance policy with Shivansh Financials?
Renewing your bike insurance is easy with Shivansh Financials. You can renew your policy online by logging into your account, reviewing your coverage options, and making the payment. We send renewal reminders to ensure you never miss a deadline.
What should I do if my bike is involved in an accident?
If your bike is involved in an accident:
- Ensure the safety of everyone involved and call emergency services if necessary.
- Take photographs of the damage and gather contact information from other parties.
- Inform Shivansh Financials and initiate the claim process.
Does bike insurance cover theft or hijacking of my bike?
Yes, if you opt for Comprehensive Bike Insurance, it provides coverage in case your bike is stolen or hijacked, subject to the terms and conditions outlined in your policy.
What is Health Insurance?
Health insurance is a policy that helps cover medical expenses such as hospitalization, doctor visits, surgeries, and other healthcare services. It provides financial protection in case of illness or injury, ensuring you receive the necessary medical care without worrying about high costs.
What types of Health Insurance plans are available at Shivansh Financials?
We offer a range of health insurance plans to suit different needs:
- Individual Health Insurance: Covers medical expenses for a single person.
- Family Floater Health Insurance: Covers medical expenses for the entire family under one policy.
- Critical Illness Insurance: Provides coverage for life-threatening diseases like cancer, heart attacks, etc.
- Top-up Plans: Additional coverage to enhance existing health insurance.
How can I purchase Health Insurance from Shivansh Financials?
You can purchase health insurance from Shivansh Financials by visiting our website, filling out a simple online form, and selecting the plan that suits your needs. Alternatively, you can contact our support team for guidance.
What factors affect my Health Insurance premium?
Several factors influence your health insurance premium, including:
- Age and health condition
- Coverage amount (sum insured)
- Type of policy (individual or family floater)
- Medical history and pre-existing conditions
- Policy add-ons or riders
- The insurer's network of hospitals and healthcare providers
What is the waiting period in Health Insurance?
The waiting period refers to the time you must wait before you can make claims for certain medical conditions. Common waiting periods include:
- Initial Waiting Period: 30 days from the start of the policy.
- Pre-existing Disease Waiting Period: 2-4 years (depending on the policy) for pre-existing conditions like diabetes or hypertension.
- Maternity Waiting Period: Typically 9 months to 2 years for maternity-related claims.
Does Health Insurance cover pre-existing conditions?
Yes, health insurance policies offered by Shivansh Financials cover pre-existing conditions after the completion of a waiting period, which usually ranges from 2 to 4 years. It's important to declare all medical conditions while purchasing the policy for accurate coverage.
What is the claim process for Health Insurance?
Filing a claim with Shivansh Financials is simple:
- Cashless Claims: Visit a network hospital and avail of treatment without paying upfront. The hospital will directly settle the claim with the insurer.
- Reimbursement Claims: Pay for medical expenses, then submit the necessary documents for reimbursement.
What is the No-Claim Bonus (NCB) in Health Insurance?
The No-Claim Bonus (NCB) is a reward given to policyholders for not making any claims during the policy term. It typically results in an increase in the sum insured or a reduction in premiums upon renewal.
Does Health Insurance cover hospitalization and surgery?
Yes, health insurance covers hospitalization expenses, including room rent, doctor’s fees, surgeries, diagnostic tests, and post-hospitalization care. Check your policy for specific details regarding coverage limits.
What are the exclusions in a Health Insurance policy?
Health insurance policies may exclude coverage for:
- Cosmetic surgery or treatment
- Pre-existing conditions during the waiting period
- Injuries resulting from alcohol or drug abuse
- Self-inflicted injuries or suicide
- Non-allopathic treatments (unless covered specifically)
Is maternity coverage included in Health Insurance?
Maternity coverage is available in some health insurance policies, typically with a waiting period of 9 to 36 months. It covers expenses like hospitalization, delivery charges, and postnatal care. Check your policy for details.
What are the tax benefits of Health Insurance?
Under Section 80D of the Income Tax Act, you can claim tax deductions for premiums paid on health insurance policies:
- Up to ₹25,000 for individuals (under 60 years of age)
- Up to ₹50,000 for senior citizens (above 60 years of age)
- Additional tax benefits for insuring your parents
What is Life Insurance?
Life insurance is a policy that provides financial protection to your loved ones in case of your untimely death. It offers a lump sum payout (death benefit) to the beneficiaries, helping them cope with financial challenges during difficult times.
What types of Life Insurance policies do you offer at Shivansh Financials?
We offer several types of life insurance policies, including:
- Term Life Insurance: Provides coverage for a specified period and pays a death benefit if the policyholder passes away during the term.
- Whole Life Insurance: Offers lifetime coverage with a guaranteed payout to your beneficiaries, no matter when you pass away.
- Endowment Plans: Combines insurance with investment, offering both life cover and a lump sum payout at the end of the policy term.
- Unit-Linked Insurance Plans (ULIPs): Combines life cover with investment in market-linked funds, offering returns based on market performance.
- Critical Illness Rider: A rider to your life insurance policy that provides coverage against life-threatening diseases like cancer or heart attack.
How does Life Insurance work?
Life insurance works by paying regular premiums to the insurance company in exchange for a death benefit payout to your beneficiaries in the event of your death. The amount and terms depend on the type of policy you choose and the sum insured.
Why do I need Life Insurance?
Life insurance helps secure the financial future of your loved ones in case of your unexpected death. It ensures that your family will have financial support for expenses such as living costs, education, loans, and more, even in your absence.
What is the premium for Life Insurance?
The premium for life insurance depends on factors like:
- Your age and health condition
- The type of policy (term, whole life, ULIP)
- Sum insured
- Policy term
- Occupation and lifestyle
- Additional riders or benefits
How can I buy Life Insurance from Shivansh Financials?
You can buy life insurance easily through our website by filling out an online form, or by contacting our customer support team. We’ll help you choose the right plan based on your needs and guide you through the application process.
What is the policy term for Life Insurance?
The policy term refers to the duration for which the life insurance policy remains active. It can range from a few years (for term insurance) to a lifetime (for whole life insurance). You can select a policy term based on your financial goals and coverage needs.
What is the difference between Term Life Insurance and Whole Life Insurance?
What is the sum assured in Life Insurance?
The sum assured is the amount of money your beneficiaries will receive in the event of your death. It is chosen at the time of purchasing the policy and depends on your financial goals and family needs.
Can I add riders to my Life Insurance policy?
Yes, you can add optional riders to your life insurance policy, such as:
- Critical Illness Rider: Offers coverage against life-threatening illnesses.
- Accidental Death Rider: Provides an additional payout in case of accidental death.
- Waiver of Premium Rider: Waives premiums in case of disability or critical illness.
What is the claim process for Life Insurance?
In the unfortunate event of the policyholder’s death, the beneficiary can file a claim by submitting the necessary documents such as:
- Death certificate
- Policy document
- Claim form
- Proof of identity of the beneficiary Once verified, the insurance company will process the claim and provide the death benefit.
Can I surrender my Life Insurance policy?
Yes, you can surrender your life insurance policy before its term ends, especially if it has a cash value (in the case of whole life or endowment plans). However, surrendering the policy may involve penalties or reduced benefits.
Is Life Insurance taxable?
The death benefit received by the beneficiary is generally tax-free under Section 10(10D) of the Income Tax Act. However, the premiums paid may be eligible for tax deduction under Section 80C, subject to limits and conditions.