Long Term Care Insurance

It’s easy to take our ability to perform day-to-day activities for granted, but this can change… especially as we age.

Long Term Care Insurance

It’s easy to take our ability to perform day-to-day activities for granted, but this can change… especially as we age.

Fortunately, most of these changes aren’t dramatically different from one day to the next – it’s more of a gradual process.  In fact, you will likely pass through 5 stages of care, to some degree, in your retirement.
Buying long-term care insurance is one way to prepare. Long-term care refers to a host of services that aren’t covered by regular health insurance. This includes assistance with routine daily activities, like bathing, dressing or getting in and out of bed.

A long-term care insurance policy helps cover the costs of that care when you have a chronic medical condition, a disability or a disorder such as Alzheimer’s disease.

When you build and review your retirement income plan, it’s important to consider your future health care needs.  Long term care insurance can help you protect this plan – helping you maintain your standard of living as much as possible.

Most policies will reimburse you for care given in a variety of places, such as:

  • Your home.
  • A nursing home.
  • An assisted living facility.
  • An adult day care center.

Additional Benefits Of Long-Term Care Insurance

Many individuals are unable to rely on children or family members for support and buy long-term care insurance to help cover out-of-pocket expenses. Otherwise, long-term care expenses would quickly deplete the savings of an individual and/or their family. The costs of long-term care differ by region.

Premiums paid on a long-term care insurance product are usually tax deductible. The amount of the deduction depends on the age of the insured. Benefits paid from a long-term care contract are generally excluded from income. Some states also have deductions or credits and proceeds are always tax-free.

Business deductions of premiums are determined by the type of business. Usually companies that pay LTC premiums for an employee are 100 percent tax deductible, if not included as part of an employee’s income.

Key Benefits Of Our Term Insurance Plan


Large cover at affordable rates

Get ₹ 1 Crore life cover starting at ₹ 490 per month. Your premiums remain fixed for the entire policy duration


Tax benefits up to ₹54,600

Premium paid and benefits received are eligible for tax benefits U/S. 80C and 10(10D).


Option to increase life cover

Life stage benefit gives you an option to increase the cover after Marriage (50% increase), 1st (25% increase) & 2nd (25% increase) childbirth, without any medicals. Additional premium will be calculated based on the increased life cover and remaining policy term as per your age at the time of each such increase.


100% Terminal illness3 payout

Terminal illnesses are not only life threatening but can also spell financial ruin.This benefit helps you fight those illnesses by paying 100% of your life cover amount before death (covers AIDS as well).This benefit comes in-built in your policy without any extra cost to you.


34 Critical illness Benefit

This optional benefit gives full claim payout on the first diagnosis of 34 Critical Illnesses like cancer, heart attack and kidney failure. No hospital bills required. You stay covered for a maximum of 30 years without any change in premium.


Permanent disability benefit

In case of permanent disability due to accident, all future premiums are waived off, and the life cover continues for the remaining policy duration. This benefit comes in-built in your policy without any extra cost to you.

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Frequently Asked Questions

What is the meaning of insurance?
Insurance is a protection against financial loss arising on the happening of an unexpected event. Insurance companies collect premiums to provide for this protection and losses are paid out of the premiums collected from the insuring public.
Why do I need Insurance?
Insurance is a hedge against the occurrence of unforeseen incidents. Insurance products help you in not only mitigating risks but also helps you by providing a financial cushion against adverse financial burdens suffered.
Why should one cover oneself immediately ?
Accidents and mishaps can occur anytime and anywhere. It is important to identify the risks faced and insure oneself against these at the earliest.
How to Choose the Best Term Plan?
While selecting a term plan, you need to look for the following and ensure that your family has the best financial protection with the term plan: Claim settlement record of a life insurance company indicates the ultimate moment of truth for the customer. Claim settlement record can be assessed through a percent number (Claim Settlement Ratio) released by IRDAI (Insurance Regulatory and Development Authority India) every year.
How much life cover do I need?
The life cover you need depends on your current annual income. We recommend that a life cover equivalent to 10-15 times your annual income is sufficient to provide for a safe future for your family. If budget is a problem, you could go for monthly premium payment option over a yearly commitment. However, it is important to have a sufficient life cover so that your family’s financial security is not compromised.
What is Critical illness benefit ?
If you are ever diagnosed with a critical illness, it can affect you physically, emotionally and financially. The optional benefit of covering 34 Critical Illnesses such as cancer, heart attack and kidney failure for a maximum of 30 years without any change in premium. But here’s the best part – It gives full claim payout on the first diagnosis of any of the covered 34 Critical Illnesses. No Hospital Bills required. This amount can also safeguard your family against the loss of income arising out of the illness.
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