Rely on Precise Goal Experts for reliable Motor Insurance and Health Insurance

At Precise Goal, we help you live a secure and safer life by assisting you to get the best motor and health insurance.

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Insurance

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Structured Products

What is Insurance?

Insurance is an agreement, or a policy signed between an individual (policyholder) and the insurance company (provider). Based on the type of policy, the policyholder should deposit a certain amount of money to the provider as a safe keep in the event of an unfortunate mishap. Policies differ from provider to provider, and the lump sum received by the policyholder may also differ depending on the type of policy selected.

 Benefits of Insurance

  • Safety net during contingency: An important benefit of an insurance policy is that the individual is protected against significant losses of material, money, health, and life.

  • Management of money: With insurance, out-of-pocket expenses are kept to a minimum as the insurer manages the remaining amount. This is highly beneficial for individuals who may find it difficult to manage large sums of money in case of an emergency.

  • Tax benefits: Indian taxpayers can avail of tax benefits under Section 80C (for Life Insurance), Section 80D (for Health Insurance for oneself and one’s family and for parents).

Precise Insurance

Protect your family from unforeseen medical emergencies with the help of Precise Goal! We guarantee a hassle-free experience when it comes to dealing with sensitive issues like motor or health insurance. It’s not about investment but making your life easier!

  • Motor Insurance
  • Health Insurance

Motor Insurance

The motor insurance provided by an insurance company varies on factors like the city of vehicle registration, area code, type and model of vehicle, year of registration, etc. Primarily, motor insurance has two classifications: third-party coverage and comprehensive coverage.

Third-party policies cover individuals who have been in an accident caused by their vehicles from third-party liabilities. In this case, only the damage incurred to third-party vehicles, individuals, and property is covered. Personal vehicle damages and theft are usually not covered in such policies.

The comprehensive policies cover individuals in the event of an accident, in cases of theft of the vehicle, natural calamities, third-party liabilities, man-made hazards, explosions, and fire and damage during transit, roadside assistance, etc. Most of these policies do not cover driving errors (under the influence, rash driving, no license), intentional damages, normal wear-and-tear, damages due to illegal activities, and war.

When buying an insurance policy, it is ideal to consider factors like coverage, add-on cover, personal accident claims, no claim bonus, network garages, and claim settlement ratio.

Health Insurance

Health insurance policies are highly dependent on the age of the individual, current health condition, pre-existing ailments, and habits that can cause future health deterioration.

Health insurance plans cover between Rs. 3 Lakhs and up to Rs. 6 Crores. Basic features include hospital and home hospitalizations, free health checkups, cashless hospitals, day-care treatments, ambulance charges, and medication costs.

Features that are not usually covered in basic plans are pregnancy-related, e-consultations, daily cash allowance, outpatient consultations, animal bite vaccinations, and so on.

While selecting a health insurance policy, it is best to look at the sum covered, pre and post-hospitalization charges, list of network hospitals, claim settlement ratio, and co-payment options.

With every step you take towards getting insurance, you increase your chances of having a secure life.

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