SMC Insurance Brokers Pvt Ltd

Health insurance covers LASIK surgeries - but not always! 👁️👁️ What’s the eligibility criteria? Is there any waiting period? Find out answers to all these questions in today’s #SMCSimplifies . And for more such insightful posts, follow SMC Insurance Brokers Pvt Ltd 💚 #healthinsurance #claims #eyesurgery #LASIKsurgery #glasses #contactlenses #eyehealth 

LIC has revamped its policies 🚨 Higher premiums 💰 New entry age limits 📃 Increased minimum life coverage ✅ Here’s what’s new for YOU! The Insurance Regulatory and Development Authority of India (IRDAI) mandated life insurance companies to offer higher surrender values to customers who choose to end their traditional life insurance plans early. The surrender value is basically the amount of money you get back if you decide to cancel your life insurance policy before it matures This new rule started on October 1, 2024. But ahead of this, LIC has made some changes to its policies, to reduce the impact of higher surrender payouts that they will have to make to their customers.  Here’s what’s new - LIC has updated traditional life insurance plans. These updates affect: 👉 What you pay (premiums) 👉 Who can buy (entry age) 👉 How much minimum coverage you get To break it down - 👉 Premiums have been hiked by ~4-9% for money-back plans, endowment plans, whole-life plans and child life plans. This premium increase is higher for customers who fall in the older age bracket. 👉 Maximum entry age limit - The maximum age one can buy a life insurance policy at - has been reduced to 50 years from the earlier 55-60 years. This means people over 50 can no longer buy these plans. 👉 Minimum life cover has been doubled from Rs 1 lakh to Rs 2 lakh. (Life cover is the amount your family will get if something happens to you during the policy term.) So what should you note before buying an LIC policy now? ✅ Can you afford the higher premiums? ✅ Are you under 50? If not, these plans may no longer be an option. Make sure to read your policy details, evaluate them, and compare them with other options before committing! For more such important updates, follow SMC Insurance Brokers Pvt Ltd :) #insurance #lifeinsurance #updates #LIC #IRDAI

Are we working to live or living to work? As the world steps into 2025, here’s a hard truth we don’t want you to ignore anymore: Millions of people around the world are trapped in an endless grind, sacrificing their health, happiness, and time for work. Please don’t be one of them. 🙏 Take a moment to reflect on these startling numbers: 🚨 In Bhutan, 61% of employed people work 49+ hours a week, clocking an exhausting 54.4 hours on average per week. 🚨 In India, more than half the workforce (51%) spends 49+ hours at work, with an average of 46.7 hours weekly. 🚨 Countries like Bangladesh (47%), Pakistan (40%), and Mauritania (46%) paint a similarly alarming picture. What’s the cost of this overwork epidemic? It’s more than just hours spent. It’s time stolen from family, hobbies, rest, and joy. It’s rising stress levels, burnt-out minds, and bodies on the brink of collapse. 😞 So, as we begin this New Year, let’s truly reflect on what matters. Yes, work is important, but so are you. The people you love. The passions you want to explore. The life you want to truly live. 🌻 1️⃣ So set clear boundaries with work: And protect your personal time fiercely. 2️⃣ Take breaks: Even short, regular breaks during the day can help reset your energy and focus. 3️⃣ Say no when necessary: Don’t overload yourself with commitments. 4️⃣ Learn to delegate: You don’t have to do it all. Share responsibilities at work and home. 5️⃣ Make time for joy: Schedule activities that make you happy - exercise, hobbies, or time with loved ones. 6️⃣ Prioritize rest: Sleep is non-negotiable. It’s the foundation of your health and productivity. In 2025, let’s flip the script. Because success isn’t about how many hours you work - it’s about how many moments you truly live. SMC Insurance Brokers Pvt Ltd wishes you a happy and healthy new year, where you are kind to yourself 💚 #worklifebalance #toxicworkculture #overworked #hustleculture #happynewyear #newyear #infographic #visualdata

Today, we proudly celebrate Shikha Gupta for an extraordinary 16-year journey with SMC! 🎉 Shikha, your dedication, expertise, and relentless pursuit of excellence have been a cornerstone of our success. Over the years, you’ve inspired everyone with your hard work, resilience, and ability to consistently go above and beyond. 🌟 Here’s to honoring this incredible milestone and wishing you even greater success in the years to come! 🚀👏 Reporting Manager: Divya Narang Gulati #workanniversary #celebration #growth #milestone #teamSMC

Today, we honor and applaud Lovedeep Choudhary for completing an incredible 15 years with SMC! 🎉 Your unwavering dedication, hard work, and commitment have been truly inspiring. Over the years, you’ve been an integral part of the SMC journey, contributing significantly to its growth and success. Here’s to celebrating this remarkable milestone and wishing you many more successful years ahead with SMC! 🚀👏 Reporting Manager: kuldeep singh #workanniversary #excellence #growth #milestone #celebration

The wait is over! The 16th edition of InsurWise is here! 🌟 Explore the December issue of SMC Insurance magazine, packed with valuable insights for a fresh start to the New Year. Discover innovative solutions to tackle pollution—for all the details check the link the comment box! 🌍✨ . . . . . #InsurWise #insurance #emagzine #magzine #reading #finance #financehacks

A man cheated of Rs ~91 lakhs in the name of fake insurance bonus! 🚨 It was 2014 when Mr Govind Prasad Sharma, a retired ex-serviceman, got a call. The caller claimed to be a government official and told Mr Sharma that he had earned a nearly Rs 7 lakh bonus on his insurance policy. All he had to do was to pay a small processing fee of Rs 24,999 to get started. He believed the caller and paid him the amount. Once Mr Sharma made the first payment, more demands followed various other charges. Over time, these payments totalled a shocking Rs 90,97,400! 🤯 By the time Mr Sharma realized the truth, the damage was done. He immediately reported the scam to the police, who were already tracking similar complaints. Acting on a tip, a Crime Branch team raided an office in Tirupati Plaza, Shakarpur, East Delhi. The police recovered a laptop, a desktop computer, mobile phones, stamps of various insurance companies, cheques and other incriminating material- almost everything that was needed to fool people. Along with this fraud ka samaan, police arrested three fraudsters too - Amit Kumar, Neeloo Kumar, and Himanshu Vats - operating under the cover of a tour agency. All the accused were ex-employees of a call centre where they used to interact with consumers and learned the ins and outs of insurance. 😳 Three other members of the group who flew away - Pradeep Yadav, Akhilesh Yadav and Deepak - were responsible for digging out information about victims. They used their learnings and formed a fraudulent agency to loot people across the country, without raising any suspicions. Their most common targets were retired people with large funds. This fraudulent agency has been shut down now.  But many others like them are still free and may come for you. How to mark yourself safe from them? ✅ If anyone contacts you, claiming to be a government official or your insurer’s employee, always verify their credentials before proceeding.  Call the insurance company/government agency and verify their identity. ✅ Read your policy thoroughly. You are entitled to only those benefits that are mentioned in your policy papers. If someone offers you anything other than what’s already mentioned, assume that it’s a red flag unless confirmed through the official channel of your insurer. ✅ To claim any benefit that’s rightfully yours, you never need to pay any extra charges. If someone’s asking you to pay anything that’s not pre-decided, or mentioned in the policy, know that they are trying to fool you. ✅ No government agency or insurance company asks you to make payment into an employee’s/official’s private account. If an employee/official asks you to make any payment directed towards their private account, inform their employer at the soonest. For most such eye-opening stories, follow SMC Insurance Brokers Pvt Ltd ! #InsuranceScams #scamalert #fraudalert #busted #stayalert #insurance