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Is it cheaper to buy your own health?

Ideally you cannot buy health insurance policy on your own- unless you are doing it online. But even if you do buy it online you will first look for the best health insurance policy. So how do you do that? Health emergencies come without warning and with the current lifestyle of most Indians; it’s no surprise if you do face an emergency out of the blue. While we really hope that is not the case, it’s always better to be prepared than sorry. Therefore a health insurance policy becomes essential in today’s time. 

 There are different types of health insurance:

 1. Individual Health Plans 

2. Family Health Insurance 

3. Senior Citizen Health Insurance 

4. Critical Illness Insurance 

5. Personal Accident Cover 

 6. Group Health Insurance

 A health insurance plan acts as your financial back up to meet the rising medical expenses in India. But buying it on your own? Well now we the latest digital transformation, you can simply log on to the website and make comparisons on your own but if you are still skeptical you can always talk to an expert.

 Here are some good health insurance providers in India: 

1. Leads Ensured Future 

2. Bajaj Allianz 

 3. PolicyBazaar 

 4. LIC

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Ways to Generate more sales Leads for business

Lead generation spans across many touch points for the business. 

For any business to survive it needs to generate sales leads in the first instance. 

Leads are the lifelines of all digital marketing services. A lead can be either individual or a company that can become your future customer consuming your service or product. 

Lead generation is the process of sourcing these leads. All digital marketing company focus on inbound, it is the practice of creation awareness and the initiation of a person or company’s interest into your company’s product or service. 

Attributes that influence leads: 

 Company’s annual sales 

 Number of employees 

 Geography 

 Industry/vertical 

 Job title 

 Website technology 

 Marketing technology 

 Currently using a service/product. 

Tips every digital marketing company should keep in mind to generate better leads: 

Make sure you don’t do these 

 Keep old or redundant data 

 Investing in a cold lead 

 Failing to retarget already existing customers 

 Buying leads against your AUP (Acceptable Use Policy) 

Some smart ways to generate quality leads 

1. Optimize your web pages for better conversions 

2. Directly engage with leads 

3. Deploy outbound & inbound marketing techniques 

4. Invest in new technology 

5. Find leads on social media like twitter 

6. Develop & optimize informative content​

All these practices when combined can not only give you quality lead generation but also help establish trust and loyalty with your brand.

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How to choose the right Car Insurance plan in India?

Insurance companies in India offer a range of car insurance policy that caters to the specific needs of the consumers, but choosing the right car insurance policy can be challenging, especially if this if your first car.

In India, insurance companies offer different plans that have different features, and these plans come at different price points. Hence, it is important that you are well researched and pick the right insurance policy to best suit your needs. 

Before you round off the best car insurance to buy you need to assess your needs and know the type of plan you would want. There are two types of car insurance policies – Third-party Insurance and Comprehensive Insurance. 

While the third party insurance is mandatory in India , a comprehensive car insurance policy is beneficial when it comes to giving your car and yourself a holistic protection cover. 

When opting for a comprehensive insurance plan for your car make sure you compare the plans in terms of the sum insured, inclusions and exclusions of the policy your choosing, the claim settlement process, deductibles if any etc. 

Choose a plan that is not just cost effective in terms of premium that you would have to pay but is also one that provides you decent coverage along with the option to have add ons. 

Add ons are your additional covers that you can opt for at an additional amount. While it may sound as an expense to many but it is actually more beneficial in the longer run. If you are still confused on which car insurance policy to opt for talk to a Leads Ensured Future expert today.

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How to choose the right Car Insurance?

A car insurance policy also known as motor insurance is done to protect your vehicle from unforeseen risks. It basically acts as your protection against the losses incurred as a result of unavoidable instances. It helps cover against thefts, financial loss or any such liabilities. 

Before you finalize the best car insurance to buy you will first need to know the types of car insurance policy available in the market. Once you understand these types, you can easily decide further. 

There are two types of car insurance policies available in the market: 

 Third-party liability car insurance 

 Comprehensive car insurance 

What a third party car insurance entails: 

It is a type of car insurance which covers the financial liabilities arising from any damage or loss to a third party property/ vehicle or from the death or injury to a third person involved in an accident with the insured vehicle. 

What is covered: 

1. Injury or death of a third person involved in an accident with your vehicle 

2. Damage to third party vehicle or other property 

3. Personal accident cover 

What a comprehensive car insurance entails : 

This car insurance policy covers not only third party damages but also losses arising from damage to the insured vehicle.

What is covered: 

 1. Losses and damages to the third party 

2. Personal accident cover 

3. Car theft 

4. Damages due to natural calamities, fire, etc. 

There are some additional benefits that go along your car insurance like zero depreciation cover, engine protection cover and much more. These add ons help enhance the policy and coverage. To know how and which policy to choose you can talk to an online insurance expert. 

Some good insurance providers in India include: 

1. Reliance General 

 2. Leads ensured future 

3. HDFC Ergo 

4. Bajaj Allianz

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What is travel insurance and why do I need it?

A travel insurance policy covers risks that can occur during your travel such as loss of passport and personal belonging cover, loss of checked in baggage etc. Having such risks covered ensures an additional layer of protection against financial loss. 

A travel insurance policy is a type of insurance that covers the costs and losses associated with traveling. It is useful for protection of those traveling domestically or abroad. 

Before you buy travel insurance online here are some things you need to keep in mind: 

1. It covers delays in flights and flight cancellations 

2. You don’t have to shell out money for pre-existing diseases 

3. Covers for factors such as loss of baggage and passport 

4. It offers you a Personal Accident coverage 

5. Fast settlement claim process 

Some common exclusion in flight insurance: 

 1. Should you miss your flight/train due to a local protest that has erupted

 2. Should you sustain personal damages (be it bodily injuries or financial losses), resulting from a local protest or civil war, for that matter 

3. Pre-existing diseases that might warrant/lead to hospitalization 

4. Any delay in baggage that is less than 24 hours 

Benefits of buying a travel insurance policy: 

1. Complete Protection 

2. Personal Accidents 

3. Loss of Baggage 

4. Passport Loss 

5. Health Cover

6. Dental Treatment 

7. Hospital Daily Allowance 

8. Baggage Issues

 A travel insurance policy is quite beneficial especially if you are a frequent traveler so make sure you do invest in it and do so wisely. 

Some travel insurance providers in India include: 

1. HDFC Ergo 

2. Leads Ensured Future 

3. Tata AIG 4. IFFCOTOKIO

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Is it possible to buy health insurance on your own?

Medical inflation and the rising cost of healthcare services in our country can burn a huge hole in your pocket and significantly impact your financial health as well. One of the most effective ways to be financially prepared against uncertain health risks is by buying a health insurance policy. 

A health insurance policy is a contract between an insurer and the policyholder. The policyholder pays   premium to the insurance company, and in return the insurer pays for the medical expenses incurred – such as hospitalization, post and pre hospitalization, day care, etc. – by the insured. 

In some cases the policyholder might pay the bills first, and then get it reimbursed from the insurer. On the other hand, if the policy holder has opted for cashless service, then the medical bills will be directly settled by the insurance company in case of hospitalization. The terms, however, might vary from insurer to insurer. 

Health insurance has evolved drastically in India over the last decade with a range of insurance products and different features and specifications. Today, there are health plans that are suitable for students, couples, senior citizens, people with heart diseases, young families, chronic ailments etc. Amidst all the choices, it is easy to get confused. 

Hence, the first thing to do is identify your need for buying a health insurance plan – like whether it is for a pre existing illness, for pregnancy and child cover, for senior citizen etc. Based upon your need you can round off the best health insurance policy. 

Also when rounding off the health insurance plan make sure you get to enhance the coverage in future. 

 A thorough research about available health plans, can help you find a powerful health plan that meets all your criteria without any sweat. 

 However there are some other benefits like OPD expenses, worldwide cover, wellness services and health-checkups which also fall under this type. To know what these are and why and how you can benefit from them, contact 1800 1020 327 or simply visit Leads Ensured Future.

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Which type of insurance is best for car?

If you are buying a car insurance policy for the first time then it might be an overwhelming experience for you. There are many insurance companies offering hundreds of plans and privileges to choose from. In a plethora of such car insurance policy, how do you choose the right one?

This is exactly what we shall discuss and help you with in this article. 

 Before you jump on to the best car insurance to buy you need to understand that there are 5 types of insurance covers:

 1. Liability cover 

2. Collision cover 

3. Personal Injury cover 

4. Uninsured motorist cover 

5. Comprehensive cover 

In India there are 3 types of policies that are offered by almost all general insurance companies. 

1. Third Party: This one is mandatory by law and fulfils all necessary legal obligations and cover needed for a third party damage. The drawback is that it does not cover any own vehicle damage. 

 2. Comprehensive Policy: This policy comes with a wide range of coverage options and includes accidental damages to the third party. 

 3. Add ons: Adds on can be helpful as per your needs to get optimum protection for your car. Insurance companies in India offer a plethora of car insurance policies that cater to the specific needs of the buyers, but choosing the right policy can be challenging. There are different plans with different features, and these plans come at various price points. So, it is important that you do your thorough research  before picking the right insurance policy to best suit your needs. 

 Below are a few insurance providers: 

 1. HDFC ERGO 

2. Leads Ensured Future 

3. Acko

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Why it is important to have a travel insurance policy?

Travel Insurance is one of the most sensible investments that a traveler can make when they decide to travel. Travel Insurance has particular importance while travelling abroad simply because of the number of risks that it covers. Ideally, a travel insurance policy covers medical risks, travel risks, and also any type of flight disruption and if you’re wondering why it is necessary, then this checklist can give you a better insight.

1. It covers against medical emergencies:

Travel Insurance policy covers your cost of medical treatment to a particular Limit . It does not discriminate between the type of emergency.

2. It covers against risks of travel: 

When you buy travel insurance online you also cover your risks during travel such as loss of passport and personal belonging cover, loss of checked in baggage etc. 

3. Covers trip disruptions: 

Any disruptions that may cause you to cancel your trip or change your plans due to any reason fall under the travel insurance protection. 

While travelling provides us the most exhilarating and vibrant experience, it also comes with its fair share of risks and dangers, of the unforeseen. When you embark on your trip you might come across simply hundreds of circumstances which can bring your trip to a halt. 

Political unrest, natural disasters or any type of medical emergency etc. can force you to cut your trip short and return home quite sooner than you planned. 

The right insurance can not only save you from the unexpected and unforeseen troubles but also provide real time assistance in case you find yourself stranded at any point during your travel.

For More: https://www.ensuredfuture.in/travel-insurance

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How to buy the right health insurance policy?

Having a health insurance policy is the start of all financial planning. Even before you start investing towards your goals, getting the right health insurance policy for yourself and family helps. 

The best health insurance policy is one which covers all your medical expense under an affordable premium and offers a comprehensive cover as well. 

 Understanding what kind of coverage or policy works best for you is important and you need to remember that the sooner you get yourself insured, the more beneficial it is. 

Here are the commonly opted health insurance plans.

1. Individual health plan

 Individual health plan is one where benefits can only be reaped by the individual. You can purchase your individual policy either in your name by the name of your spouse. 

2. Family floater policy 

This type of policy comes in handy when you are looking to secure health risks of the entire family. Family floater policies offer comprehensive schemes that provide coverage for people of different age groups 

3. Top up policy 

A top-up plan is similar to your regular health insurance policy. It covers hospitalization costs of the policyholder, but the difference is that these costs are reimbursed only after a specific time limit is reached. The limit is known as a deductible, and is the amount paid by a policyholder towards medical expenses. Usually, top-up plans have lower premium compared to regular insurance plans. 

4. Senior Citizen Cover: 

 These are insurance plans designed for senior citizens and cover healthcare requirements commonly faced by aging individuals. Unarguably, a health insurance is one of the most sensible thing to have considering the spike in the occurrence of health problems at an early age But you also need to be aware about which policy or plan you would actually need. Take to experts at Leads Ensured Future to know more about the same.

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How to renew Travel insurance policy offline?

Travel insurance policy is a type of insurance cover you can buy to safeguard yourself and your beloved against a number of travel-related mishaps. By securing your trip with travel insurance you will provide peace of mind and monetary support in case of travel emergencies.

Through a travel insurance policy you can get assistance for situations like Medical expenses, personal mishaps and accidents, daily cash, loss of essential/important documents or baggage and legal expenses,trip cancellation or a delay and emergency accommodation etc. The complete details of your   insurance plan can be found in your policy document. 

Like any other insurance plan, your travel insurance policy can be renewed either offline or online. Renewing travel insurance online is the more modern approach whereas offline method is traditional and a time-consuming. To renew offline: 

 1. Step 1 : Get in touch with your agent. 

 2. Step 2:When you meet you will be shown various options that you can include in your new policy. If you wish to make changes you can request your agent for the same. 

3. Step 3: After you select a plan you need to fill out the application form, provide required documents as well as your previous policy number. 

 4. Step 4: Finally make the payment via cheque or cash. 

 To renew online: 

1. You simply need to login to your insurance portal 

2. Select the policy which you want to pay for. 

3. Choose your payment option – whether net banking or via card 

4. Pay through the secure portal.

 5. You will immediately get a printable copy as receipt. 

If you are looking to buy travel insurance online, we suggest you have a comparison first and then based on your needs and requirement round off the right plan.

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Why do I need Health Insurance?

Health insurance policy is an agreement whereby the insurance company agrees to undertake a guarantee of compensation for the medical expenses in case the insured client falls ill or meets with an accident which leads to hospitalization of the insured.

Generally, insurance companies have a tie-up with leading hospitals that help provide cashless treatment to the insured. In case your health insurance policy is not tied-ups with the hospital, they reimburse the cost of expenses incurred by the insured. The government also promotes health insurance covers by providing a deduction from income tax.

 Buying a health policy for yourself and your family is important as medical treatments are expensive, especially in the private sector.

Your medical bill can alone burn a hole in your pocket and derail your finances. All this can be avoided if you have insurance plan and by just paying a small annual premium which would lessen your stress in case of medical emergencies.

A good health insurance policy would usually cover expenses made towards doctor consultations, medical tests, ambulance costs, and hospitalization costs and even pre and post-hospitalization costs to a certain extent.

Benefit of health insurance policy:

1. Cashless Treatment

2. Pre and post hospitalization cost coverage

3. Transportation Charges

4. No Claim Bonus (NCB)

5. Medical Checkup

6. Room Rent

7. Tax Benefit

Some good health insurance providers in India include:

1. Max Bupa Health Insurance

2. HDFC Ergo Health Insurance

3. Leads Ensured Future

4. Bharti Axa Health Insurance

5. SBI Health Insurance

6. L&T Health Insurance

7. Bajaj Allianz Health Insurance

Like said your health insurance is eligible for tax rebate and the cost you pay towards health insurance plans can be claimed as a tax-saving deduction under Section 80D.

Always have a comparison between policies to find out the best health insurance policy.

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Your web design can make or break your business Organic traffic

For many business owners, the website design is the last thing they think about when laying down their online marketing strategy. While they may be able to survive, but it won’t help them expand their potential customers exponentially, and a poorly designed website will definitely not be of any help. 

Your website design should be your investment which will help you raise your bottom line rather than become an inconvenient expense to keep up with.

 Whether it’s an attractive, high-converting site or not, there are many ways your web design can make or break your business.  

In today’s competitive and convenience focused world, consumers no longer want or have the time to venture out to buy things. Even if they do they would rather want to buy items online. This is where ecommerce digital marketing enters the scene. 

Ecommerce is the best way you can take your brand from a traditional store to an online innovative. 

By offering your products 24 hours and the online presence of your business can allow you to fully expand your product ranges without having to worry about moving locations or worrying about not being able to expand your business.   

With the rise in internet’s accessibility millions of people across the world can now view your website at any time. And to help garner their attention you’ll need an ecommerce digital marketing strategy that will help you strive through competition. 

Your website is the best marketing tool as when clubbed with the right SEO strategy ,pay per click advertising, and social media marketing plus email marketing, can all help you rank up. 

 Ecommerce benefits: 

1. Faster buying process. 

2. Organized listing 

3. Cost effective 

4. Affordable advertising and marketing 

5. Customer ease 

6. Expanded reach 

 7. Product and price comparisons 

8. Faster response time If you are looking for an ecommerce marketing agency then get in touch with Leads Brand Connect today.

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What is a Hospital under Mediclaim Insurance?

Mediclaim insurance is a type of health insurance policythat offers you specified financial protection against health-related expenses.

It is a pocket-friendly way to any health-related emergency.

They provide the coverage to hospitalization and other expenses by the insured himself.

While both of the insurance plans offer the tax benefits under section 80D of the income tax act and experts recommend the insurance plan who offers comprehensive insurance coverage.

Here are some featured of medical insurance plan:

Ø Coverage

A type of health insurance policy provides insurance that covers hospitalization expenses, treatment expenses due to an accident, and specific diseases.

Ø Sum Assured

They come under with a pre-decided sum assured.

Ø Premium Affecting Factors

It is the basis of the sum insured with the proposers of age, gender, geographical location, and opted duration of the preferred plan.

Ø Claim Settlement

It is processed in the form of reimbursement as well as cashless treatment.

Ø Plan Basis

Purchased an individual plan are covers self, spouse, dependent children, and parents.

Ø Tax exemption

They offer tax benefits as per section 80D of the IT Act 1961.

Before you buy the best health insurance policy you have to analyze your insurance expectations and compare the various insurance plans that fulfill your insurance expectations.

If you can compare the medical insurance and buy the most suitable plan according to your needs.

We hope that after you know the benefits and plans provided by the medical plan and a health insurance plan you will be able to choose any one that suits you better.

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What is “no-claim bonus”?

No Claim Bonus means to provide a discount on your insurance premium that you can avail yourself of when you renew your policy.

Insurance companies offer a discount in premium if a vehicle owner has not made a single claim during the term of the car insurance policy          

.The value of the discount depends upon the insurance claims for the particular year.

No Claim Bonus provides a discount on your insurance premium that you can avail yourself of when you renew your policy.

The No claim Bonus helps a policyholder to earn at least provide some discount on your car insurance premium.

Here are some important things you must know about NCB at the time of the      best car insurance policy to buy  

. You do not lose your NCB when you buy a new car

If you’ve earned NCB discounts on your existing car, and you can decide to buy another car and transfer the benefits to the new car.

It is not transferred to one person from another unless the owner of the car passes away and the car is passed on to the heir.

Ø Your NCB can reduce your premium by up to 50%

The maximum discount offered by the insurance company is 50% but if you already earned a 50% discount you will not be applicable to earn further discounts.

Ø It is not calculated on your whole insurance premium amount

NCB discount is not applicable for third-party liability but the basic cover is mandatory by law. Third-party liability insurance is up to 20% of the total premium amount.

Ø There’s no point declaring an incorrect NCB

If you declare the wrong NCB at the time of getting insurance so it is good as having it as cover. If you are switching your car insurance policy you have to make sure you declare if you have made a claim with your previous insurer in that year.

The easily sourced by the insurance company is data and you may get the policy, but if you face any problem when it is time to make a claim so there is no point hiding it.

The No Claim Bonus protection covers and ensures that you can get the reward for being careful, even if someone else was not.

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How to Increase E-Commerce Sales from Digital Marketing?

E-commerce is a growing platform which is covered a huge number of the world population. It works or thinks from both sides from client end and customer’s ends which help to grow business. E-commerce works with Digital Marketing Company for boosting their sales and increase the number of the customer. There are many ways which help digital marketing and increase the sale of e-commerce platform.

Digital marketing agencies use different kinds of methods that help them to give innovative and attractive plans for using their digital marketing services.

• User friendly website: The site must be user-friendly so it uses easily and finds its desire result because sometimes a maximum number of pictures on the site take enough time for loading and nowadays most of the browsing done on mobile devices.

• Post interactive blogs: The content of the blog helps you to attract customers. So, the content of the blog must be valuable which influences the customer where they think it works like advice that helps the client to actionable buying or selling.

• Post Customers Feedback: Digital marketing company is very helpful for sale if you show the reviews or feedback of the customer under the product which helps to create more interest for buying.

• Create Urgency: It works on the sense of urgency of the customer which creates thought in the mind of the customer that you have to buy this right now.

• Use social media account: With the help of network connection you know the choice and need of the customer by doing promotion on their social media accounts like Facebook and Instagram etc. that attract their attention again and again on that product which helps to increase the sale.

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Is two-wheeler insurance mandatory?

Everything in this world not secured even your dream but as for securing dreams insurance of silence and hard work is mandatory same as for securing other things. Insurance industry makes a different kind of insurance out of which one of the most common and familiar insurance is bike insurance policy which secures the two-wheeler. Not only at present but from earlier times the first dream of every youngster is to buy a two-wheeler.

 If talking about the current scenario every two-wheeler comes with some advance feature which increases the risk of theft so from securing this kind of risk insurance company introduce bike insurance policy plan which not only covers the theft risk but also cover any kinds of risk and give many benefits to the owner of that two-wheeler. 

There are some reasons for two-wheeler insurance is mandatory because insurance company gives many benefits like claims which we get because of theft, damage while run on the road, other damages which were done by the natural calamities like earthquakes, flood, fire, etc. These damages occur naturally so that kind of accident also covers under the two-wheeler insurance.

On the other hand, if we talking about other benefits so if in case your two-wheeler met an accident with other wheeler and both wheeler get damage on that case insurance company also pay repair charges of another person which comes under the clause of the third party insurance policy which is much beneficial for us. 

If still, you find the reason for two-wheeler insurance mandatory that the most important reason is to save your money because of rule under motor vehicles act, the government of India has made it mandatory for every two-wheeler owner and which is a punishable act if don’t have insurance of two-wheeler.

 If you  buy bike insurance policy online you can get an instant policy in a contactless way and also there is no documentation or paperwork involved and advantage of choosing from multiple payment options.

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What is Long term two wheeler Insurance?

Long term two-wheeler insurance policy gives your bike a 360 degree that covers losses due to damage or theft of the insured vehicle for 2 or 3 years as per the cover. They offer an additional benefit with no claim bonus at the time of renewal. The process will reduce the renewal frequency and has no effect in case of third party premium increase. 

These are some benefits related to a long term bike insurance policy: 

 They skip the hassle of yearly renewal 

 The comprehensive insurance policies for all major two-wheeler brands 

 Insurance provides the additional benefits on no claim bonus 

 Avoid the untoward losses as a result of breaks in policy renewal 

 They avail the attractive discounts on long term two wheeler insurance premium 

The factors affecting my long-term bike insurance premium: 

 Insured declared value 

  The cubic capacity of the vehicle

  Place of registration 

 Type of model 

 Age of the vehicle 

 Type of cover-whether you want the comprehensive or third-party vehicle insurance cover. 

 No-claim bonus retention 

At some point, you have forgotten to renew your bike insurance before the expiry date or narrowly missed it. You have to come up with long term two wheeler insurance for 3 years so you can get the hassle of yearly on bike insurance renewals. Enjoy seamless protection for three years with the ensured future long term two wheeler insurance plan by paying a one-time premium.