Return to Invoice Add-On in Car Insurance (Full Explained) Return to Invoice (RTI) is a special car insurance add-on that helps you recover the full invoice price of the car in case of theft or complete damage. Normally, a standard comprehensive policy pays the current IDV value which is always lower than the original invoice price. RTI protects you from this loss. Please wait... 5 s Why normal car insurance is not enough? When your car becomes older, its IDV keeps decreasing every year. If your vehicle gets stolen or completely damaged, you only get the IDV amount, not the full invoice value. This means you lose the difference between invoice price and IDV. Example (Very Simple) Your car price: ₹10,00,000 After 2 years IDV: ₹7,00,000 Car stolen → normal insurance pays ₹7,00,000 RTI add-on → pays close to ₹10,00,000 (including registration & tax) When does RTI apply? Total loss Theft Vehicle burnt completely Accident where repair cost is very high Who should...
Health Insurance in India – Complete 2026 Guide + Best Policies, Premium, Claim, Benefits --- Health Insurance in India – Complete Guide 2026 📄 Download Now Health insurance is not just a financial product, it’s a life-saving protection tool. A single hospitalisation can cost between ₹40,000 to ₹5,00,000 depending on the illness and treatment. Without medical insurance, most families end up taking loans, selling assets, or borrowing money during emergencies. This article explains everything about health insurance in simple language — policy types, coverage, exclusions, premium, cashless treatment, pre-existing diseases, TPA, claim process, and recommended policies for 2026. --- 🩺 What Is Health Insurance? Health insurance is a financial contract where the insurance company pays your medical bills if you are hospitalised due to illness, accident, surgery or treatment. Health insurance covers: Hospital expenses Surgery charges Medicines Room rent ICU cha...
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