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    Hello and welcome to the webchat with Sanjiv Bajaj, Managing Director, Bajaj Capital on all queries related to insurance

  • A


    Hello Sir, I am 29 years single working woman. Can you suggest me a comprehensive individual health insurance (including PAP and temporary disability) plan of Rs 10 lakhs?


    Dear Aaditri, Request you to please send us your detailed Query at

  • S


    Dear Sir, I have my individual health insurance plan of Rs 3 lakhs with Max Bupa for which I pay a premium of Rs 4,817/annum. Am a 32 years old single working woman. Kindly suggest if am going ahead with right plans or are there any better options available with higher benefits.


    According to your age, Max Bupa "Health companion Variant 2 " is the plan which suits you. For Higher benefits we suggest you to take Future Generali " Health Total"

  • S


    Hello Mr Bajaj, am 37 yrs old married man. My wifes' age is 32 and she is dependent on me. Please suggest me a term plan of Rs 50 lakhs. Regards, Sujit Sinha


    Term Plan depends upon the objective and need one requires. Objectives varies from the premium of the product to the type of death benefits available in the product or the Claim Settlement Ratio of the company. Furthermore the maximum cover under Term Plan which one can opt for is based on the Age and Annual Income of the client. If you do not have any Insurance currently, depending upon the Age and Annual Income, you can opt Insurance cover worth 10 to 15 times of your CTC. Few of the TOP Term Products currently Available are: ICICI iProtect Smart – A Term Plan which gives Life Cover as well as Critical Illness Benefit as well where in 34 Criticial Illness are covered. In Addition one also get Waiver of Premium Facility in case of Disability. HDFC Click 2 Protect Plus – A Plan which is economical as well as has the option of Accidental Death Benefit as well as Monthly Income Pay out Option. TATA AIA i-Raksha TROP – One of the most Economical TROP (Term with Return of Premium) Plan Available in the market, where in if client survives during the policy term, total premium paid by the client is returned to the client at the end of Policy Term

  • A


    Birla Sun Life has launched a new plan where you get two times the premium. I am 27 years old. Should I opt for this?


    Dear Anita, Since plan name is not mentioned, thus request you to please send us your detail query at

  • M


    While my family does not have a history of cancer, is it necessary to buy cancer products that are offered by life insurers as a precautionary measure


    Dear Manita, You can go ahead and buy cancer Product from Life Insurance company. The advantage of the same would be that in case of any Claims indemnifying the loss would not come into affect with Life Insurance Cancer Products. It works on Total Sum Assured being paid.

  • S


    My agent told me that highest NAV products are being made available in the market. Should I buy them?


    Option to purchase Highest NAV Product in the market is quite less as of now, thus competitiveness of the product is not accounted for. It would be better to buy a ULIP Product for investment as Charges in ULIP have decreased Drastically, making it a very competitive product in the market

  • R


    I am 30 years old and have a Rs 10 lakh investment product. I wish to purchase a house in Dehradun in 5-7 years. Is life insurance an ideal savings tool for this?


    Dear Rajesh, Life Insurance Investment Products - ULIP is an ideal tool for saving and Investment. However, duration of the goal should be a minimum of 8 to 10 Years. as structure of the ULIP makes it best suited for long term Planning

  • K


    I am 29 years old and a mother of a two-year old child. I wish to start saving for his education from now on. Which product should i buy?


    Dear Krithika, There loads of Child Education Plans currently Available in the market, ranging from Traditional Child Education Plan to ULIP Child Education Plan. One thing that needs to checked in Child Education Plan that it should have Waiver of Premium Benefit in the policy which enables to continue the plan in case of any Miss-happening and education fo the child never stops. Couple of Better Child Education plan available in the market are: HDFC Youngstar Udaan - Traditional Child Education Plan ICICI Smart Life - ULIP Child Education Plan

  • T


    What are the benefits of choosing multi-trip travel insurance over single-trip travel insurance?


    Dear Tina , Sure, you can take travel insurance plan from ICICI Lombard or TATA AIG for 1 year term for multi-trips in which you will get benefits like:- Accidental death, Hi-jack, loss passport, Emergency Cash, Miss Flight Connection, Trip Delay. At the same time multi travel insurance cost you cheaper

  • S


    Am planning to buy critical illness and personal accident plan for my brother worth Rs 5 lakh. He is 30 years old. Kindly suggest one. Thanks!


    Dear Sumeet , You can buy the personal accident plan from Apollo Munich or Max Bupa in which your brother will get accidental death benefit, permanent & partial total disability in case of an accident and also suggest you to take hospital daily cash as add-on. For Critical Illness you can take plan from Cigna TTK Enhanced plan in which you will get cover against 30 critical diseases or you can also take plan from Max Bupa as well.