12/26/2019 0 Comments Comprehensive Insurance Benefits Offered by Car Insurance Companies in Dubai UAEIf you have to drive your car in any area of Dubai, you should possess suitable car insurance. You are available with two major options to select i.e. the mandatory third-party insurance and the comprehensive insurance. Here, third-party type of insurance does not cover much, while the comprehensive one is bit pricey but gives you lots of coverage and additional benefits. Now, the main question that comes in our mind is what is recommendable. Well, if you have purchased a new car or an expensive used car, you should go with the comprehensive insurance policy. However, the insurance coverage and other related benefits included under the insurance policy may vary depending on the selection of your car insurance companies in Dubai UAE and the premium amount. In this blog post, you will get a small description of a few of the benefits available under comprehensive type of car insurance policy. Road Side Assistance Road side assistance is a handy coverage offered by car insurance companies in Dubai UAE. However, you have to conduct some research to identify whether it includes battery boost, mechanical repairs, vehicle towing, lockout and flat-tire support and emergency fuel delivery. Agency Repair This type of coverage implies that your car is eligible to undergo repairing services from a car manufacturer. However, in most of the cases, the insurance coverage is available only for cars with only 2 to 3 years right from the time of their manufacture. Thus, if you own a new car, you should assure that the agency repair service remains included in it. Besides, you may negotiate with your insurance provider to extend the availability period related to agency repair coverage. Replacement Car Replacement car type of coverage was optional before 2017. However, according to the latest insurance laws in the UAE, replacement car policy has become a mandatory one for insurers to deliver roadside assistance. If the car owner remains unavailable with the replacement car policy during the repairing of his/her vehicle, insurance policyholder has to pay AED 300 daily for up to 10 days period. GCC Insurance Coverage If you are one of the frequent travelers to any neighboring states categorized under GCC i.e. Gulf Cooperation Council, GCC insurance coverage would be a handy benefit for you. Off Road Insurance Coverage We all are well aware that Dubai City is a perfect destination to enjoy driving car in the desert region. If you have interests in exploring driving your vehicle in desert, we recommend you to avail an off-road benefit or coverage under your insurance policy. Ambulance Fees You should check the list of coverage offered by car insurance companies to identify whether they include ambulance fees or not. This type of coverage is essential if you or any of your family members traveling in Dubai require medical treatment. Simultaneously, you should check the personal injury coverage and personal effects lost in an accident. Selection of a car insurance policy i.e. a comprehensive insurance policy depends on your specific requirements while driving your car in any area of Dubai.
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If you have plans to buy a health insurance policy, you should not get the one blindly. Instead, you should dedicate time to do proper research work. Indeed, with the availability of different Health Insurance Dubai comparison websites, you may easily understand and compare different health insurance plans to buy the best one. Especially, you have to look a few of the important aspects prior to buying a health insurance policy. Sub-limits of Your Room Rent Room rent benefit refers to the amount allocated to any person daily basis to hire a private hospital room while he/she undergoes treatment. Hence, it is essential for you to check whether your chosen private hospital room comes under your chosen health insurance plan. Room rent benefit under any standard health insurance policy providers 1% to 2% of the basic sum of your health insurance insured on a daily basis. Waiting Period for any Pre-existing Disease Pre-existing disease refers to a type of medical condition, in which an insured person has already attained or has certain symptoms before he/she takes a health insurance policy. You may find that most of the floater or individual health insurance plans do not cover the pre-existing disease. However, it is included after a certain tenure referred as the waiting period. In most of the cases, waiting period associated with any pre-existing disease remains between 24months and 48months starting from the date of inception of your health insurance policy. Thus, while doing health insurance comparison, you have to check the clause of waiting period before you should make a final purchase. Check the Network of Available Hospitals Whenever you do health insurance comparison, you should never forget checking the network of available hospitals within your chosen health insurance plan. Your chosen multi-specialty hospitals and the general hospitals should be in the list of the insurer’s network hospitals. Getting treatment in any of the networked hospitals is easy, as you only have to show your health card to get cashless hospitalization. This is because; the hospital collaborates with the insurance provider. Besides, the claim management in any networked hospital is easily manageable. No Claim Bonus No claim bonus refers to the value-added benefit by a health insurance provider if you do not make any claim under your chosen policy. In most of the cases, no claim bonus is the percentage increase in the insured principal amount. It ranges between 25% and 50% per annum and subject to a maximum of 50% to 100% of the insured base sum. Circumstances experienced by every person is different, because of each person has different needs in his/her own life. A few people want to set up their own business, buy a home, raise their family with the required standards, while others want to secure their family members against death and illness. Thus, if you are the one looking to secure your near and dear ones against any undesirable situation of your life, you should definitely think about getting a life insurance policy online in Dubai. In this article, you will come to know a few of the key aspects of getting a life insurance in the city of Dubai with the help of internet medium. Advance Provision for Financial Requirements Life insurance refers to the process of making provisions in advance to meet the specific financial requirements, which will increase in the near future. The main objective behind buying life insurance online in Dubai is to make sure about the availability of appropriate amount of money in right hands as well as at right point in your future to achieve the financial objectives of an individual. Protects Against Financial Loss Life insurance is responsible to protect against financial loss, which results from the premature death of any insured person. The beneficiary thus gets the proceeds and in turn, stays safeguard from financial loss because of the death of the respective insured individual. On the other side, a life insurer pays the death benefit in consideration for the payments of premium made by the respective insured individual. Features of Life Insurance Online at a Glance
Until now, individuals have obtained the following major benefits by availing life insurance online in Dubai
It is a known fact that car insurance is very important for people who own a car. Different car owners have different insurance requirements, hence; the policy that best suits their requirements also differs. Now the question that comes in the mind of the majority of people is how to select the best car insurance policy. Let’s take a look on the way to select the best car insurance companies in Dubai: The first and the foremost step in selecting the right car insurance company is looking for the different types of coverage offered by the company. For example, people who are not perfect drivers and may have past credit problems should look for car insurance company that offers a chance to get discounted car insurance. People who own more than vehicle will relate to the fact that auto insurance companies offer them cheap insurance policies for becoming an exclusive insurance provider. In simple words, we can say that transferring all the policies to one insurance provider will help in getting auto insurance policies with a cheaper premium. The second step in finding some of the best car insurance companies in Dubai is looking for rewards. Renowned insurance companies offer rewards to car drivers having good track records. One of the key aspects that help in selecting the right auto insurance company is the flexibility in coverage selection. As mentioned above, insurance needs vary from one customer to another and flexible coverage makes it easy to select the best-suited insurance plan. One should spend some time in evaluating discounted insurance rates policy for safe drivers followed by some insurance companies. The geographical area is also of the deciding factors for premium rates. This means that the car insurance rates vary from one area to another even when the coverage and other benefits offered is the same. Some people find car insurance expensive and simply opt for the lowest premium policy. Purchasing a policy with less premium amount and limited coverage is as good as having no insurance coverage. Hence, experts suggest that one should spend time and enquire about the different car insurance policies offered in their area. After comparing the coverage and the insurance need, one end up selecting the best possible car insurance plan. The entire process is a bit time and effort consuming but the end result is very fruitful for the individual purchasing the policy as it saves money against better coverage. |
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