Private Bank
Content
PRIVATE BANK
MADE BY: MOHIT NAITHANI TY-C 3146
WHAT IS A PRIVATE BANK?
Private banks are banks that are not incorporated. A private bank is owned by either an individual or a general partner(s) with limited partner(s). In any such case, the creditors can look to both the "entirety of the bank's assets" as well as the entirety of the sole-proprietor's/general-partners' assets. These banks have a long tradition in Switzerland, dating back to at least the revocation of the Edict of Nantes (1685). Private banks also have a long tradition in the UK where C. Hoare & Co. has been in business since 1672. There were many private banks in Europe. However most have now become incorporated companies, so the term is rarely true anymore. "Private banks" can also refer to non-government owned banks in general, in contrast to government-owned (or nationalized) banks, which were prevalent in communist, socialist and some social democratic states in the 20th century. Private banks as a form of organization should also not be confused with "Private Banks" that offer financial services to high net worth individuals and others.
AXIS BANK
INTRODUCTION
Axis Bank was the first of the new private banks to have begun operations in 1994, after the Government of India allowed new private banks to be established. The Bank was promoted jointly by the Administrator of the specified undertaking of the Unit Trust of India (UTI - I), Life Insurance Corporation of India (LIC) and General Insurance Corporation of India (GIC) and other four PSU insurance companies, i.e. National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd. and United India Insurance Company Ltd.
The Bank as on 31st December, 2011 is capitalized to the extent of Rs. 412.57 crores with the public holding (other than promoters and GDRs) at 53.63%.
The Bank's Registered Office is at Ahmedabad and its Central Office is located at Mumbai. The Bank has a very wide network of more than 1281 branches (including 169 Service Branches/CPCs as on 31st March, 2011). The Bank has a network of over 7591 ATMs (as on 30th September, 2011) providing 24 hrs a day banking convenience to its customers. This is one of the largest ATM networks in the country.
The Bank has strengths in both retail and corporate banking and is committed to adopting the best industry practices internationally in order to achieve excellence.
BRANCH NETWORK
The Bank's Registered Office is at Ahmedabad and its Central Office is located at Mumbai. At the end of September 2010, The Bank has a very wide network of more than 1281 branches and Extension Counters (as on 31st December, 2010). The Bank has a network of over 6270 ATMs (as on 31st March, 2011). The Bank has loans now (as of June 2007) account for as much as 70 per cent of the bank’s total loan book of Rs 2,00,000 crore. For HDFC Bank, retail assets are around 57 per cent (Rs 28,000 crore) of the total loans as of March 2007. In the case of Axis Bank, retail loans have declined from 30 per cent of the total loan book of Rs 25,800 crore in June 2006 to around 23 per cent of loan book of Rs.41,280 crore (as of June 2007). Even over a longer period, while the overall asset growth for Axis Bank has been quite high and has matched that of the other banks, retail exposures grew at a slower pace. If the sharp decline in the retail asset book in the past year in the case of Axis Bank is part of a deliberate business strategy, this could have significant implications (not necessarily negative) for the overall future profitability of the business. Despite the slower growth of the retail book over a period of time and the outright decline seen in the past year, the bank’s fundamentals are quite resilient. With the high level of mid-corporate and wholesale corporate lending the bank has been doing, one would have expected the net interest margins to have been under greater pressure. The bank, though, appears to have insulated such pressures. Interest margins, while they have declined from the 3.15 per cent seen in 2003-04, are still hovering close to the 3 per cent mark. (The comparable margins for ICICI Bank and HDFC Bank are around 2.60 per cent and 4 per cent respectively. The margins for ICICI Bank are lower despite its much larger share of the higher margin retail business, since funding costs also are higher). The Bank today is capitalized to the extent of Rs. 409.90 crores with the public holding (other than promoters and GDRs) at 53.63%. It is also listed in the top 100 most trusted brands of India in the Brand Trust Report. Axis Bank operates the worlds highest ATM site at Thegu, Sikkim at 13,200 feet above sea level.
AXIS BANK – HOME LOAN
Rate of Interest: 9.25% up to 20Lakhs 9.50 % above 20Lakhs to 75lakhs 9.75% above 75lakhs
Maximum Repayment: 25 Years (or) up to retirement
Process: Primarily, Axis Bank home loan application is to be submitted duly signed along with the doc’s listed below. Primary sanction is done after scrutinizing the submitted financial documents which is known as the “In-Principle Sanction”. Once In-Principle Sanction is issued we’ll collect the property related doc’s and proceed for Legal & Technical Evaluation of the said property. On completion of legal & Technical evaluation, Axis bank home loan agreement is to be executed. Repayment for Home loan has to be made from your Salary Account by ECS mode. Minimum of 7 + 1 Cheque leaf will be required to proceed for disbursement of the said loan
Axis Advantages: Attractive Rate of Interest Timely Sanction and Disbursement No Pre Payment and Closure charges
The Doc’s required to apply are 2 Salaried Applicant: 1. Passport size colour Photograph - 2 No’s
2. Age / Signature / Identity Proofs (pan card Xerox) 3. Address Proof (Current address proof & Permanent address proof) any utility bill 4. Appointment order, Confirmation order , Form 16 (3 years emp proof) 5. Previous appointment & Relieving letter 6. Qualification Proof 7. Last 3 months pay slips. 8. Last 6 months bank statements 9. 1 chq towards upfront Processing fee for Rs. 5000/- favoring “AXIS BANK LTD “ & will be adjusted towards the total processing fee of... Salaried Co Applicant (For income clubbing): 1. 2. 3. 4. 5. Passport size color Photograph - 2 No’s Age / Signature / Identity Proof/ Address Proof Appointment order / Confirmation order / Form 16 Last 3 months pay slip Last 6 months bank statements
Funding: 85% on the total property cost, Processing fees: 1%
SELF EMPLOYEE DOCUMENTS LOAN AGAINST PROPERTY & HOME LOAN
Rate Of Interest : 11.75% (Residential) Mortgage Rate Of Interest : 9.25% upto 20L; 9.50% above 20L upto 75L; 9.75% above 75L Maximum Tenure: 15 years (Lap) ; 20 years (Home Loan) Funding property cost EM Charges : Rs. 5000/: 60% on the market value; 85% on the total
SELF EMPLOYEE APPLICANT: 1. Photo 2nos 2. Pan card Copy 3. Address Proof (any utility bill) 4. Latest 3Years IT returns along with computations & Auditors seal and signature 5. Company profile / Registration Details / MOA / AOA / Partnership Deed etc. 6. Bank statement 6 months till date. 7. Processing fee cheque of Rs. 5000/- in favour of "Axis Bank Ltd" 8. A self drawn letter declaring the purpose of loan
Property related docs: 1. Sale deed in favour of the applicant 2. Complete Parent documents Set 3. EC from 01.01.1987 to till date 4. Approved Plan & Planning Permit 5. Latest Property Tax Receipts 6. Patta
Note: Property Insurance should be paid by the customer4
AXIS BANK – HOME LOAN - NRI
ROI – 9.25* % upto 20 lac Floating ROI - 9.50* % above 20 lac upto 75 lac Floating ROI - 9.75*% above 75 lac Maximum Repayment: 15 Years Process: Primarily, Axis Bank home loan application is to be submitted duly signed along with the doc’s listed below. Primary sanction is done after scrutinizing the submitted financial documents which is known as the “In-Principle Sanction”. Once In-Principle Sanction is issued we’ll collect the property related doc’s and proceed for Legal & Technical Evaluation of the said property. On completion of legal & Technical evaluation, Axis bank home loan agreement is to be executed. Repayment for Home loan has to be made from your Salary Account by ECS mode. Minimum of 7 + 1 Cheque leaf will be required to proceed for disbursement of the said loan Axis Advantages: Attractive Rate of Interest. Timely Sanction and Disbursement No Pre Payment and Pre Closure charges. Emi Changing Options 5
The Doc’s required to apply are Salaried Applicant: 1. Passport size color Photograph - 2 No’s (Applicant & Co –
Applicant) 2. Complete pages of Passport.(Each Page A4 Copy) 3. Address Proof in India – Any Utility Bill 4. Residence Address proof in the country of Employment – Any Utility Bill 5. Appointment / Confirmation order copies. 6. Credit check report in the country of employment 7. Previous Employment appointment & relieving letter copies. (If Less Then 3 Years for Present Company) 8. Last 6 months pay slips. 9. Last 6 months bank statements. 10. Last 6 months bank statements of NRE / NRO A/c . 11. 1 chq towards upfront Processing fee for Rs. 5000/- favoring “AXIS BANK LTD “ Power of Attorney: 1. 2. Passport size color Photograph - 2 No’s Age / Signature / Identity / Residence Proofs
INSURANCE
Motor Insurance
Your car insurance policy is the most important document in your vehicle. No wonder millions of car owners across India trust Bajaj Allianz to insure their car. Along with comprehensive coverage against physical damage, bodily injury and cover against third-party liability, your car insurance brings to you confidence and peace of mind. All this is backed by our superior claims servicing capability and fast settlement record.
We offer
Cashless settlement in over 1500 preferred workshops Hassle free claim settlement Quick and easy online purchase process 24 X 7 claim support
Key Benefits
Cashless claims at over 1500 preferred garages, receive 75% on account payment when cashless facility is not available Transfer up to 50% of your existing No Claim Bonus from any insurance provider Avail of our 24x7 Telephonic Service Instant Claims Assistance and SMS updates on your motor claim status through our 24x7 call-centers
What is covered?
We Protect your Car against: Loss or Damage to your car and two wheeler against Natural Calamities Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide and rockslide. Loss or Damage to your car and two wheeler against Man-made Calamities Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air. Personal Accident Cover Coverage of Rs. 1 Lakh for the individual owner/driver of the vehicle while driving or travelling, mounting
TRAVEL INSURANCE:
Travel Companion
Whether you travel for business or pleasure, international travel involves risk. Medical treatment abroad can be expensive and one never knows when one would require it. Having to spend for medical bills in foreign currency can be expensive proposition. There are other difficult situations also, that one might face like loss of passport or baggage. Bajaj Allianz's Travel Companion is specially designed to help you deal with such situations while overseas travel.
Coverage:
Personal Accident Medical Expenses and Reparation Loss of checked baggage Delay in checked baggage Loss of Passport Personal Liability Cash Less Service Hospitalization Allowance Golfer's Hole-in-one Emergency Cash Advance
Travel Elite
Coverage:
Medical Expenses, Evacuation and Repatriation Emergency dental pain relief included in (I) above Personal Accident (Only 50% of the Sum assured in respect of the death of the insured person below age of 18years) AD & D Common Carrier Delay of Baggage Loss of Checked Baggage (Per Baggage maximum 50% and per item in the baggage 10%) Hijack Trip Delay Personal Liability Golfer Hole-in-one Trip Cancellation Home Burglary Insurance Trip Curtailment Hospitalization Daily Allowance Loss of Passport
Student Travel:
Coverage:
Medical Expenses, Evacuation and Repatriation Emergency dental pain relief included in (I) above Tuition fee Personal Accident (Only 50% of the Sum assured in respect of the death of the insured person below age of 18years) Loss of Checked Baggage (Per Baggage maximum 50 % and per item in the baggage 10%) Accident to Sponsor Family Visit Personal Liability
Safe Home Plus
Protects your home against against unforeseen calamities.
Home is a dream, which you have turned into reality with your sweat, pain, happiness, energy and time. Axis Bank helps you to protect this dream against unforeseen calamities.
Features
It covers losses arising due to:
Fire (excluding own fermentation, natural heating or spontaneous combustion, undergoing heating or drying process, burning of property by order of public authority) Lightning Explosion / Implosion (excluding boilers, economizers vessel in which steam is generated except domestic boilers) Aircraft Damage (excluding loss caused by pressure waves) Riots, Strike, Malicious damage Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation Impact Damage Subsidence, Land/Rock Slide Bursting, overflowing of water tanks, Apparatus and Pipes Leakage from automatic Sprinkler (excluding repairs or alteration of building) Missile testing Operations Bush Fire (excluding forest fire)
Benefits
Comprehensive Package Low premium rates Easy claim settlement
Documentation
None. Only the Proposal Form is required to get the policy.
MADE BY: MOHIT NAITHANI TY-C 3146
WHAT IS A PRIVATE BANK?
Private banks are banks that are not incorporated. A private bank is owned by either an individual or a general partner(s) with limited partner(s). In any such case, the creditors can look to both the "entirety of the bank's assets" as well as the entirety of the sole-proprietor's/general-partners' assets. These banks have a long tradition in Switzerland, dating back to at least the revocation of the Edict of Nantes (1685). Private banks also have a long tradition in the UK where C. Hoare & Co. has been in business since 1672. There were many private banks in Europe. However most have now become incorporated companies, so the term is rarely true anymore. "Private banks" can also refer to non-government owned banks in general, in contrast to government-owned (or nationalized) banks, which were prevalent in communist, socialist and some social democratic states in the 20th century. Private banks as a form of organization should also not be confused with "Private Banks" that offer financial services to high net worth individuals and others.
AXIS BANK
INTRODUCTION
Axis Bank was the first of the new private banks to have begun operations in 1994, after the Government of India allowed new private banks to be established. The Bank was promoted jointly by the Administrator of the specified undertaking of the Unit Trust of India (UTI - I), Life Insurance Corporation of India (LIC) and General Insurance Corporation of India (GIC) and other four PSU insurance companies, i.e. National Insurance Company Ltd., The New India Assurance Company Ltd., The Oriental Insurance Company Ltd. and United India Insurance Company Ltd.
The Bank as on 31st December, 2011 is capitalized to the extent of Rs. 412.57 crores with the public holding (other than promoters and GDRs) at 53.63%.
The Bank's Registered Office is at Ahmedabad and its Central Office is located at Mumbai. The Bank has a very wide network of more than 1281 branches (including 169 Service Branches/CPCs as on 31st March, 2011). The Bank has a network of over 7591 ATMs (as on 30th September, 2011) providing 24 hrs a day banking convenience to its customers. This is one of the largest ATM networks in the country.
The Bank has strengths in both retail and corporate banking and is committed to adopting the best industry practices internationally in order to achieve excellence.
BRANCH NETWORK
The Bank's Registered Office is at Ahmedabad and its Central Office is located at Mumbai. At the end of September 2010, The Bank has a very wide network of more than 1281 branches and Extension Counters (as on 31st December, 2010). The Bank has a network of over 6270 ATMs (as on 31st March, 2011). The Bank has loans now (as of June 2007) account for as much as 70 per cent of the bank’s total loan book of Rs 2,00,000 crore. For HDFC Bank, retail assets are around 57 per cent (Rs 28,000 crore) of the total loans as of March 2007. In the case of Axis Bank, retail loans have declined from 30 per cent of the total loan book of Rs 25,800 crore in June 2006 to around 23 per cent of loan book of Rs.41,280 crore (as of June 2007). Even over a longer period, while the overall asset growth for Axis Bank has been quite high and has matched that of the other banks, retail exposures grew at a slower pace. If the sharp decline in the retail asset book in the past year in the case of Axis Bank is part of a deliberate business strategy, this could have significant implications (not necessarily negative) for the overall future profitability of the business. Despite the slower growth of the retail book over a period of time and the outright decline seen in the past year, the bank’s fundamentals are quite resilient. With the high level of mid-corporate and wholesale corporate lending the bank has been doing, one would have expected the net interest margins to have been under greater pressure. The bank, though, appears to have insulated such pressures. Interest margins, while they have declined from the 3.15 per cent seen in 2003-04, are still hovering close to the 3 per cent mark. (The comparable margins for ICICI Bank and HDFC Bank are around 2.60 per cent and 4 per cent respectively. The margins for ICICI Bank are lower despite its much larger share of the higher margin retail business, since funding costs also are higher). The Bank today is capitalized to the extent of Rs. 409.90 crores with the public holding (other than promoters and GDRs) at 53.63%. It is also listed in the top 100 most trusted brands of India in the Brand Trust Report. Axis Bank operates the worlds highest ATM site at Thegu, Sikkim at 13,200 feet above sea level.
AXIS BANK – HOME LOAN
Rate of Interest: 9.25% up to 20Lakhs 9.50 % above 20Lakhs to 75lakhs 9.75% above 75lakhs
Maximum Repayment: 25 Years (or) up to retirement
Process: Primarily, Axis Bank home loan application is to be submitted duly signed along with the doc’s listed below. Primary sanction is done after scrutinizing the submitted financial documents which is known as the “In-Principle Sanction”. Once In-Principle Sanction is issued we’ll collect the property related doc’s and proceed for Legal & Technical Evaluation of the said property. On completion of legal & Technical evaluation, Axis bank home loan agreement is to be executed. Repayment for Home loan has to be made from your Salary Account by ECS mode. Minimum of 7 + 1 Cheque leaf will be required to proceed for disbursement of the said loan
Axis Advantages: Attractive Rate of Interest Timely Sanction and Disbursement No Pre Payment and Closure charges
The Doc’s required to apply are 2 Salaried Applicant: 1. Passport size colour Photograph - 2 No’s
2. Age / Signature / Identity Proofs (pan card Xerox) 3. Address Proof (Current address proof & Permanent address proof) any utility bill 4. Appointment order, Confirmation order , Form 16 (3 years emp proof) 5. Previous appointment & Relieving letter 6. Qualification Proof 7. Last 3 months pay slips. 8. Last 6 months bank statements 9. 1 chq towards upfront Processing fee for Rs. 5000/- favoring “AXIS BANK LTD “ & will be adjusted towards the total processing fee of... Salaried Co Applicant (For income clubbing): 1. 2. 3. 4. 5. Passport size color Photograph - 2 No’s Age / Signature / Identity Proof/ Address Proof Appointment order / Confirmation order / Form 16 Last 3 months pay slip Last 6 months bank statements
Funding: 85% on the total property cost, Processing fees: 1%
SELF EMPLOYEE DOCUMENTS LOAN AGAINST PROPERTY & HOME LOAN
Rate Of Interest : 11.75% (Residential) Mortgage Rate Of Interest : 9.25% upto 20L; 9.50% above 20L upto 75L; 9.75% above 75L Maximum Tenure: 15 years (Lap) ; 20 years (Home Loan) Funding property cost EM Charges : Rs. 5000/: 60% on the market value; 85% on the total
SELF EMPLOYEE APPLICANT: 1. Photo 2nos 2. Pan card Copy 3. Address Proof (any utility bill) 4. Latest 3Years IT returns along with computations & Auditors seal and signature 5. Company profile / Registration Details / MOA / AOA / Partnership Deed etc. 6. Bank statement 6 months till date. 7. Processing fee cheque of Rs. 5000/- in favour of "Axis Bank Ltd" 8. A self drawn letter declaring the purpose of loan
Property related docs: 1. Sale deed in favour of the applicant 2. Complete Parent documents Set 3. EC from 01.01.1987 to till date 4. Approved Plan & Planning Permit 5. Latest Property Tax Receipts 6. Patta
Note: Property Insurance should be paid by the customer4
AXIS BANK – HOME LOAN - NRI
ROI – 9.25* % upto 20 lac Floating ROI - 9.50* % above 20 lac upto 75 lac Floating ROI - 9.75*% above 75 lac Maximum Repayment: 15 Years Process: Primarily, Axis Bank home loan application is to be submitted duly signed along with the doc’s listed below. Primary sanction is done after scrutinizing the submitted financial documents which is known as the “In-Principle Sanction”. Once In-Principle Sanction is issued we’ll collect the property related doc’s and proceed for Legal & Technical Evaluation of the said property. On completion of legal & Technical evaluation, Axis bank home loan agreement is to be executed. Repayment for Home loan has to be made from your Salary Account by ECS mode. Minimum of 7 + 1 Cheque leaf will be required to proceed for disbursement of the said loan Axis Advantages: Attractive Rate of Interest. Timely Sanction and Disbursement No Pre Payment and Pre Closure charges. Emi Changing Options 5
The Doc’s required to apply are Salaried Applicant: 1. Passport size color Photograph - 2 No’s (Applicant & Co –
Applicant) 2. Complete pages of Passport.(Each Page A4 Copy) 3. Address Proof in India – Any Utility Bill 4. Residence Address proof in the country of Employment – Any Utility Bill 5. Appointment / Confirmation order copies. 6. Credit check report in the country of employment 7. Previous Employment appointment & relieving letter copies. (If Less Then 3 Years for Present Company) 8. Last 6 months pay slips. 9. Last 6 months bank statements. 10. Last 6 months bank statements of NRE / NRO A/c . 11. 1 chq towards upfront Processing fee for Rs. 5000/- favoring “AXIS BANK LTD “ Power of Attorney: 1. 2. Passport size color Photograph - 2 No’s Age / Signature / Identity / Residence Proofs
INSURANCE
Motor Insurance
Your car insurance policy is the most important document in your vehicle. No wonder millions of car owners across India trust Bajaj Allianz to insure their car. Along with comprehensive coverage against physical damage, bodily injury and cover against third-party liability, your car insurance brings to you confidence and peace of mind. All this is backed by our superior claims servicing capability and fast settlement record.
We offer
Cashless settlement in over 1500 preferred workshops Hassle free claim settlement Quick and easy online purchase process 24 X 7 claim support
Key Benefits
Cashless claims at over 1500 preferred garages, receive 75% on account payment when cashless facility is not available Transfer up to 50% of your existing No Claim Bonus from any insurance provider Avail of our 24x7 Telephonic Service Instant Claims Assistance and SMS updates on your motor claim status through our 24x7 call-centers
What is covered?
We Protect your Car against: Loss or Damage to your car and two wheeler against Natural Calamities Fire, explosion, self-ignition or lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide and rockslide. Loss or Damage to your car and two wheeler against Man-made Calamities Burglary, theft, riot, strike, malicious act, accident by external means, terrorist activity, any damage in transit by road, rail, inland waterway, lift, elevator or air. Personal Accident Cover Coverage of Rs. 1 Lakh for the individual owner/driver of the vehicle while driving or travelling, mounting
TRAVEL INSURANCE:
Travel Companion
Whether you travel for business or pleasure, international travel involves risk. Medical treatment abroad can be expensive and one never knows when one would require it. Having to spend for medical bills in foreign currency can be expensive proposition. There are other difficult situations also, that one might face like loss of passport or baggage. Bajaj Allianz's Travel Companion is specially designed to help you deal with such situations while overseas travel.
Coverage:
Personal Accident Medical Expenses and Reparation Loss of checked baggage Delay in checked baggage Loss of Passport Personal Liability Cash Less Service Hospitalization Allowance Golfer's Hole-in-one Emergency Cash Advance
Travel Elite
Coverage:
Medical Expenses, Evacuation and Repatriation Emergency dental pain relief included in (I) above Personal Accident (Only 50% of the Sum assured in respect of the death of the insured person below age of 18years) AD & D Common Carrier Delay of Baggage Loss of Checked Baggage (Per Baggage maximum 50% and per item in the baggage 10%) Hijack Trip Delay Personal Liability Golfer Hole-in-one Trip Cancellation Home Burglary Insurance Trip Curtailment Hospitalization Daily Allowance Loss of Passport
Student Travel:
Coverage:
Medical Expenses, Evacuation and Repatriation Emergency dental pain relief included in (I) above Tuition fee Personal Accident (Only 50% of the Sum assured in respect of the death of the insured person below age of 18years) Loss of Checked Baggage (Per Baggage maximum 50 % and per item in the baggage 10%) Accident to Sponsor Family Visit Personal Liability
Safe Home Plus
Protects your home against against unforeseen calamities.
Home is a dream, which you have turned into reality with your sweat, pain, happiness, energy and time. Axis Bank helps you to protect this dream against unforeseen calamities.
Features
It covers losses arising due to:
Fire (excluding own fermentation, natural heating or spontaneous combustion, undergoing heating or drying process, burning of property by order of public authority) Lightning Explosion / Implosion (excluding boilers, economizers vessel in which steam is generated except domestic boilers) Aircraft Damage (excluding loss caused by pressure waves) Riots, Strike, Malicious damage Storm, Cyclone, Typhoon, Tempest, Hurricane, Tornado, Flood and Inundation Impact Damage Subsidence, Land/Rock Slide Bursting, overflowing of water tanks, Apparatus and Pipes Leakage from automatic Sprinkler (excluding repairs or alteration of building) Missile testing Operations Bush Fire (excluding forest fire)
Benefits
Comprehensive Package Low premium rates Easy claim settlement
Documentation
None. Only the Proposal Form is required to get the policy.
