How To Get Refund On Policy

Posted by Admin on 11 Nov 2022

Oftentimes, we need to return the policy due to many circumstances. Different insurers have different policies for refunds. Different insurance types are refunded for different reasons hence having different policies of refund. Let's look at how it works and if you can get the refund then how you should proceed.How To Get  Refund On Travel Insurance?In the case of travel insurance, the policy can only be revoked if the VISA is rejected by the embassy. In such a case the applicant will be required to provide the insurer with a VISA rejection letter and insurance policy. After that, we will proceed to get your policy canceled and refund you. How To Get A Refund On Health InsuranceHealth Insurance Pakistan can be revoked if the insurer offers a free-look period. The free-look period gives you an opportunity to cancel your policy without any penalty. Hence, during the free look period, you can revoke your policy and demand for refund.Health insurance in Pakistan is refunded on a pro-rata basis. Meaning that the client purchased an annual policy and demands a refund after 3 months into the policy. The policy will be refunded for the rest of the 9 months while the charges for three months will not be refunded. Keep in mind that there should be no claim in process.How To Get A Refund On Car InsuranceFor car insurance in Pakistan, the client needs to submit a written application to cancel the policy and demand a refund. There are a few conditions under which the policy can be canceled and refunded. First and foremost, there should not be any claim in-process. Second, it depends from insurer to insurer how much percentage can be returned. Some insurers may deduct the admin fee and taxes. Third, the insurance must be called off within 6 months.Conclusion:In all these conditions, for all these policies it depends on the insurer how long they take to refund the policy. It can take anywhere from 24 hours to a week. Upon return from the insurer, we will proceed likewise.Let’s Compare is an online insurance comparison platform. We make it our priority to provide customers with unbiased advice and the best service. We are partners with the best insurers across Pakistan. Get insured now and leave a safe life.

Why the idea of skipping insurance is hazardous moneybag

Posted by Admin on 11 Nov 2022

Insurance is an investment that can save you thousands when done correctly. Some insurances like health and car insurance may seem expensive but in the long run, given that there is a mishap, your insurance will protect you against the damage of many millions. Having no insurance will cost you more money than actually having it. Let’s look at how it can cost you more!Medical Bills Vs Insurance CoverMedical bills take up a significant part of your expenses. But having a travel insurance policy makes it much more affordable. Let's take a look at how much money we will be spending if we have travel insurance and if we don’t have one. If we are traveling to Schengen States for a week, we will need to buy travel insurance for Schengen visa, and the cheapest costs PKR 1,900 without Covid Cover and PKR 2,150 inclusive of Covid Cover. They cover the medical expenses up to USD 50,000 which is more than you will ever need on a one-week trip unless you face a gruesome accident costing you surgeries over surgeries. It can cover your basic hospital expenses and hospital stays that surely cost more than PKR 2,100. Hence having insurance is less expensive than not having one since you are saving a huge amount in disguise of a few thousand. Luggage Replacement Vs Insurance CoverWith insurance of around PKR 2,100 you will have a cover of USD 400 for your luggage. This includes loss of luggage that you will not be paying out of pocket. However without insurance, if you lose your luggage you might need to spend a lot more than PKR 2,100. This again proves the fact that not having insurance is a lot more expensive than having one.Delayed Departure Vs Insurance CoverIn PKR 2,100 you get a cover of USD 300 for delayed departure which can easily cover a stay at a good hotel with nice meals which is hardly possible in double the amount of PKR 2,100. Without insurance, you will end up in the distress of trying to find a cheap alternative and might need to give up a meal or compromise on other necessities till your fight is confirmed. Theft And Total Loss Vs Insurance CoverIn car insurance, you can get insured at a 1.5% rate for a car worth PKR 750,000. Let’s say that the car is Mehran and the parts are readily available within the same city. Hence in case of total loss and theft, you can claim insurance worth PKR 11,250. In this amount your millions can be covered which you otherwise had to pay out of pocket in case you don’t have insurance. Looking at the analysis, we can conclude that having insurance is way cheaper than not having one and only relying on your income or savings to repair the damage or replace lost items. Insurance companies endorse saving your resources for the better and that is why not having insurance is way more expensive than having one. So get insured with Let’s Compare Online now!

Health Insurance in Pakistan

Precautions To Take When Vacationing During Winters

Posted by Admin on 04 Nov 2022

As much as we love winters, many of us seem to not take the hazards seriously when traveling. This causes not only disruptions but also some gruesome accidents that can be avoided efficiently by simply not traveling during high-risk times.Our Northern Areas hold immense beauty but at the same time, they are not afraid to show their wrath. To avoid becoming a victim of this raging beauty, we have compiled a list of precautions to take when traveling. Let’s look at the list.Check For Weather ConditionsIt is important that you check the weather conditions before traveling so you are aware of what you are packing. Underpacking does not only mean that you did not bring your trusty massager with you. You could have overpacked but still under-packed. Meaning you could have filled your bags to the brim with secondary essentials but forgot to pack the most necessary items like an extra pair of warm clothing, a first aid kit, and things that can assist you in survival given you find yourself in an unpleasant situation.Pay Attention To Local NewsThis is the wisest act you can do without any effort. Keep your eyes and ears open for any local news on TV channels, radio, and what recently returned tourists have to say about it. Pack for necessary precautions. If you are adamant about visiting, make sure you are packing enough protective gear for yourself and your companions and have enough knowledge to combat an avalanche if needed. Technique Over StrengthDo you know how smaller samurais can take down the ones much bigger than them even though they lack the strength? Because sometimes you need the right technique to combat rather than the immense power. Your brain is more powerful than any other muscle in your whole body. The knowledge alone of how to deal with danger can put your frozen body into instant action.Importance Of DrillsA popular belief is that the human body has two responses in a dangerous situation, namely, fight or flight. But there is a third response called the freeze response. This is when your brain is screaming for you to move out of the way of danger and knows all the things you need to do to avoid it but your body is paralyzed. This is because you have read and heard all the right things to do which have enhanced your brain memory but never practiced any of it to build your muscle memory. As boring as drills are, they are extremely important for your motor responses. From being able to pull a simple latch of the car door to how to tie a knot, every small task practiced will someday save your life. You might have witnessed firsthand how in instances of earthquakes people forget how to unlock their doors to run to safety, this happens exactly due to this reason. So it is extremely important that you practice what you read or hear!Get Insured!One of the most critical situations is when you have survived the situation somehow but now you are left in need of immediate medical attention. A first aid kit is important and after first aid, you may sometimes need more than that so having immediate medical attention is extremely important for your survival. This is why one must have travel and health insurance to seek immediate medical attention without having to worry about finances.Let’s Compare Online is an online insurance comparison platform where you can buy and compare insurance policies from different insurers in the comfort of your home. We prioritize customers’ ease and convenience serving the best possible insurance plans. So get insured now!

What Are Car Maintenance Tips For Winters

Posted by Admin on 02 Nov 2022

Winters are here and like everything else your car and your driving habits needs some preparation as well. We are going to go through a small checklist in order to have safe and stress-free winters.From warming up to checking for strays and getting vehicle insurance, we have you all covered! Let’s check out the important stuff now.Check For Strays!With winter approaching, every living being is in search of comfort. So it is only natural for stray cats to look for a warm spot. They often prefer to crawl inside the engine compartment or puppies could be resting under your car oblivious of the movement. Make sure you tap the hood of your car, stomp your foot and honk the horn before you do anything to wake them up and give them time to get out from under or inside your car parts. Warm It Up!In winter, when everything stable is in a compromised position your car parts need some heating up before you drive too! Otherwise, you may face some serious and long-term damage to your car's engine. One thing that indicates that your car is not warm enough to drive is when it makes a sound like heavy metal pieces rubbing together. In order to avoid it, start your engine and let it run for at least 5 minutes before you gear up. Check The Weather Forecast!It is important for your own safety and to avoid any unpleasant incidents. In winter weather is more unpredictable than usual and hence it is essential that you check out the forecast for fog and rain. Especially fog because it is responsible for the higher percentage of accidents in winter. Keep your fog lights in check and your rear-view window defroster in working condition. Maintain Pressure In Tires!Every 10° change in the temperature affects the pressure inside the tire. Hence you should keep the pressure in check and make sure that the tires are not in any compromised position to burst. Refill your tires as often as needed but don’t overdo it. Appropriate pressure should be demonstrated on the placard you get with your car or tires. Also, the roads can be slippery in winter or on rainy days so make sure that your tires are not worn out so much that they don’t have a proper grip. Check your brakes alongside the tires too.Get Insured!Getting insured is the best way to ensure a stress-free ride and financial aid in case of an accident. Car parts are often quite expensive. So it is better to have car insurance in Pakistan that can reimburse the damages rather than you having to pay thousands out of pocket. Let’s Compare Online is an insurance comparison platform experienced in selling the best-suited policies to their clients. We are partners with the best insurance companies in Pakistan and aim to be better and excel in customer dealings. Customer trust is our first priority! So get insured now!

Winter Health Tips For Happy Body

Posted by Admin on 31 Oct 2022

The breeze is already cold and many have turned their fans off already! Besides insurance, there are many other ways you should protect yourself so that you don’t need a doctor’s visit in the first place. With keeping this in mind we have put together a list to take care of your hygiene and overall health and make the most out of winters. With the cold and immobility, it is hard to get out of the warm and cozy comfort zone that we create for ourselves. But by staying comfortable more than necessary, we slowly poison our bodies to death, hence it is important to make efforts and get out of it more often to live a long healthy life. Just like your body needs food, your soul needs you to get out and explore!Tip # 1: Get More Sun!Yes! Getting more sun is the healthiest way to boost your metabolism, especially in winter when you need warmth too. Not only getting in the sun will save you a lot of medical money but it will also help you save up on electric or gas bills since the sun is the free source of heat! So get up and get in the sun more often.Tip # 2: Let The Air In!While it is easy to fall for the warm and cozy room, it comes with a lot of mold and dust which causes suffocation and many breathing-related problems. This is why it is important to let the fresh air in and circulate around the rooms. If you feel uncomfortable with the cold breeze in your presence then you should let the air circulate when you either leave for work, exercise, or for a trip. This way you can let the fresh air in and not feel too cold!Tip # 3: Sun Your Mattress!As mentioned above, due to keeping our rooms locked, our mattresses and furniture are more prone to growing mold which causes serious health hazards, especially for people with sensitive sinuses. Sun is the best source to sanitize your mattress since it kills harmful bacteria and the fresh air impacts the mattress and furniture too. Hence it is important to sun your bed and other mold-catching material on sunny days. Tip # 4: Take Sufficient Nutrients!Your body is especially vulnerable in the cold weather hence it is important to provide sufficient nutrients in order to keep your metabolism up and immunity higher. A good way to hydrate your body from within in dry weather is to intake bone broth or soup. It contains hyaluronic acid, a humectant that retains hydration within your body. This also substitutes for conventionally less intake of water in winter.Conclusion:Keep this checklist in mind and go through this at least once a month to make sure you are on the right track and taking good care of the only body you’ve got!Let’s Compare is an online insurance brokerage where you can compare and buy insurance policies from different insurers across Pakistan. We endorse financially healthy practices for our clients in order to reduce stress and promote a healthy and happy life for our clients. So get insured now!

How To Apply For A Schengen Visa From Pakistan And Role Of Travel Insurance

Posted by Admin on 27 Oct 2022

Travel insurance is the most demanded insurance type in the insurance industry. And needless to say, we are more than delighted to see the rising awareness of insurance among our clients. As a company that always endorses financial stability and saving finances where necessary, it is a big milestone for us to achieve. To have clients that trust us enough to Schengen states are known for their strict policies to travel safely. All of the Schengen states require you to have a travel insurance policy. Rightfully so, having a traveling insurance policy can help you face many problems head-on while traveling making your travels much safer and easier. Today we will shed some light on the issuance of a Schengen visa and what is the role of travel insurance in that.  How To Apply For A Schengen Visa From Pakistan?Applying for VISA now has become more convenient with online processing. You can do so by providing the embassy with your relevant documents like passport, passport-size images, fingerprints, and other supporting documents once you have submitted all the required documents you are now supposed to wait for approval. You will shortly get the call for approval so worry not. Unless any of your documents or information is missing you’re good to go. How To Get Travel Insurance For Schengen States?To get travel insurance for Schengen States, you must submit traveling dates, passport number, and ID card number. Along with that, you will also need to give in your beneficiary details. Beneficiary details are like emergency contact details. This needs to be a person who can be contacted instantly in case of an emergency.Once you have submitted all this information you will get your travel insurance policy in less than an hour. Is It Important To Get Insurance For Schengen VISA?As mentioned above, it is important to get travel insurance for Schengen States. Schengen States endorse travelers to travel safely. This is why it is necessary for all travelers to get travel insurance to travel to Schengen States. Hence it is important to get travel insurance when traveling to Schengen States. Conclusion:At Let’s Compare Online, we encourage our clients to get travel insurance. Travel insurance is an ensured way to travel safely and combat any difficulties while traveling. On our website, you can compare plans from different insurance companies and opt for the ones that fit your needs better. We are partners with all the reputed insurers across the country and we have top-notch hospitals on board globally to help connect with our clients while they are traveling and to ensure safe travel. So what are you waiting for? Get your VISA and get insured now!