All you need to know about our support and how to do it.
InvestWise Hub offers a wide range of financial services, including mutual fund investments, fixed deposits, tax-saving solutions, life insurance (term and endowment), health insurance, and general insurance. Our comprehensive suite of services is designed to cater to all your financial needs and help you achieve your financial goals.
Getting started with InvestWise Hub is simple. You can reach out to us through our website or contact us directly via phone or email. Our friendly team will be more than happy to schedule a consultation to understand your financial requirements and recommend suitable solutions.
At InvestWise Hub, we take data security and privacy seriously. We utilize industry-standard security measures to safeguard your personal and financial information. Rest assured that your data is handled with utmost confidentiality and in compliance with relevant data protection regulations.
Absolutely! Tax planning is an integral part of our services. Our financial advisors can help you optimize your tax strategy by suggesting suitable investment options that offer tax benefits. However, for specific tax filing, we recommend consulting a qualified tax professional.
InvestWise Hub stands out for its client-centric approach, expert financial advice, and diverse range of services. We prioritize building strong and lasting relationships with our clients, ensuring their financial success is our primary focus.
Yes, you can track the performance of your investments through regular updates and statements provided by our team. We believe in keeping you informed about the progress of your investments and making any necessary adjustments to your financial plan.
At InvestWise Hub, we believe in complete transparency regarding our fees and compensation structure. We do charge a consultation fee of INR 6000 for our personalized financial advisory services. However, the good news is that this fee is fully adjustable and will be credited towards the financial product you choose to purchase through our recommendations.
At InvestWise Hub, we believe in complete transparency regarding our fees and compensation structure. We do charge a consultation fee of INR 6000 for our personalized financial advisory services. However, the good news is that this fee is fully adjustable and will be credited towards the financial product you choose to purchase through our recommendations.
Our consultation fee is a one-time charge that covers the time and expertise of our seasoned financial advisors in understanding your unique financial situation, analyzing your goals, and formulating a tailored financial plan to help you achieve them. Rest assured that you will receive valuable insights and a comprehensive roadmap to make informed investment decisions that align with your aspirations.
We take pride in offering unbiased advice and recommending products that suit your needs without any hidden costs or surprises. The consultation fee ensures that you receive dedicated attention and personalized financial solutions designed to meet your financial objectives.
We understand that each individual's financial journey is unique, and our goal is to provide you with the most suitable financial products and services that align with your goals and risk appetite. The consultation fee helps us maintain the highest standard of service and deliver value to our clients.
If you choose to proceed with our recommended financial products, the INR 6000 consultation fee will be adjusted in the total cost, making it a valuable investment towards your financial future.
You can contact InvestWise Hub through our website's contact form, or you can call/email us directly. Our dedicated team is ready to assist you with any inquiries or support you may need regarding our services.
If you have any other questions or need further information, please don't hesitate to get in touch. We are here to help you make wise financial decisions and achieve your financial dreams!
The answers on most common questions are described bellow.
Health insurance is a type of insurance policy that provides coverage for medical expenses and hospitalization. It helps protect you from the financial burden of unexpected medical costs due to illness or accidents. Having health insurance ensures that you can access quality healthcare without worrying about the high costs involved.
Health insurance coverage varies based on the policy and the insurance provider. However, it generally covers hospitalization expenses, doctor's consultations, diagnostic tests, surgeries, medication, and some preventive services. Some policies may also offer coverage for pre-existing conditions after a waiting period.
Yes, many health insurance policies cover pre-existing conditions after a waiting period. The waiting period may vary from one insurance provider to another. During the waiting period, any treatment related to the pre-existing condition may not be covered.
Health insurance plans come in various types, including:
Selecting the right health insurance plan depends on factors such as your age, medical history, family size, and budget. It's essential to consider the coverage offered, the network of hospitals and doctors, the premium amount, and the claim settlement process. Consulting an insurance advisor can help you make an informed decision.
Yes, you can include your family members, such as your spouse, children, and dependent parents, in a family health insurance policy. It offers comprehensive coverage for all insured family members under a single plan.
Health insurance policies usually have an annual term, and you need to renew your policy before it expires. Most insurers allow policy renewal online or through authorized agents. Timely renewal ensures continuous coverage without any breaks.
In the event of a medical expense, you can file a health insurance claim with your insurance provider. Depending on the type of policy, you may need to pay the bill upfront and then submit the relevant documents for reimbursement. Alternatively, some policies may offer cashless hospitalization, where the insurer directly settles the bills with the hospital.
Yes, you can port your health insurance policy from one insurer to another without losing the accumulated benefits. Health insurance portability allows you to switch to another insurer while retaining your coverage continuity and waiting periods.
Yes, some health insurance policies offer maternity coverage, covering expenses related to childbirth, pre and postnatal care, and newborn care. Maternity coverage is typically subject to a waiting period before it becomes effective.
The answers on most common questions are described bellow.
General insurance is a type of insurance policy that provides coverage for non-life assets and risks. It offers protection against various unforeseen events such as accidents, natural disasters, theft, damage to property, and liability to third parties. Common types of general insurance include motor insurance, home insurance, travel insurance, and liability insurance.
General insurance can cover a wide range of assets, including:
General insurance is essential as it protects you from financial losses arising from unforeseen events or accidents. It provides a safety net that helps you recover and rebuild in case of any damage or loss to your assets, ensuring peace of mind and financial security.
Yes, certain types of general insurance are mandatory by law. For example, motor insurance is compulsory for all vehicles plying on public roads. Similarly, home insurance may be required by mortgage lenders for properties with a loan.
The claim process for general insurance varies based on the type of policy and the insurance provider. In case of an incident or loss, you need to inform your insurer immediately and follow their guidelines for filing a claim. Typically, you will need to submit relevant documents and evidence to support your claim.
Yes, you can make modifications to your general insurance policy during the policy term. If you need to add or remove coverage, change policy details, or update personal information, you can contact your insurer or insurance agent to make the necessary adjustments.
Some types of general insurance policies, such as motor insurance, can be transferred to a new owner if you sell the insured asset (e.g., a vehicle or property). The process is known as policy transfer or endorsement, and it ensures continuous coverage for the new owner.
The premium for general insurance is calculated based on various factors, including the type and value of the insured asset, the level of coverage, the risk profile, and the location. For example, in motor insurance, the premium is influenced by factors like the vehicle's make, model, age, and the driver's age and driving history.
Yes, many insurance companies offer the option to purchase general insurance policies online. You can visit their websites, compare different plans, and buy the policy that best suits your needs.
General insurance policies usually have an annual term, and you need to renew your policy before it expires to maintain continuous coverage. Most insurers allow policy renewal online, making it convenient and hassle-free.
The answers on most common questions are described bellow.
A mutual fund is a type of investment vehicle that pools money from multiple investors to invest in a diversified portfolio of stocks, bonds, or other securities. It is managed by a professional fund manager who aims to achieve the fund's investment objectives on behalf of the investors.
When you invest in a mutual fund, you are purchasing units or shares of the fund. The value of these units is based on the underlying securities' performance in the fund's portfolio. As the value of the securities changes, the Net Asset Value (NAV) of the mutual fund fluctuates accordingly.
Mutual funds can be classified into various categories based on their investment objectives and asset allocation. Common types include:
Mutual funds offer several benefits, including diversification, professional management, liquidity, and accessibility for small investors. They allow individuals to invest in a range of securities with relatively lower costs and risk compared to investing directly in individual stocks or bonds.
The risk associated with mutual funds can vary depending on the type of fund. Equity funds generally carry higher risk due to market fluctuations, while debt funds are considered lower risk but not risk-free. It's essential to choose funds that align with your risk tolerance and investment goals.
You can invest in mutual funds through various channels:
SIP is a disciplined approach to investing in mutual funds. It allows you to invest a fixed amount regularly (monthly or quarterly) in a chosen mutual fund. SIP helps in rupee cost averaging and mitigates the impact of market volatility over time.
Yes, mutual funds offer liquidity, allowing you to redeem your investment at any time. However, it's essential to check the exit load and potential tax implications, especially for short-term investments.
The taxation of mutual funds depends on the type of fund and the holding period. Equity funds held for more than one year are subject to Long-Term Capital Gains Tax (LTCG) with indexation benefit, while debt funds are taxed based on the holding period and indexation benefit.
When selecting a mutual fund, consider factors such as the fund's investment objective, past performance, expense ratio, fund manager's track record, and risk level. It's crucial to align the fund's strategy with your financial goals and risk tolerance.
The answers on most common questions are described bellow.
Life insurance is a contract between you and the insurance provider, where you pay regular premiums, and in return, the insurer provides a lump sum payment (death benefit) to your beneficiaries upon your passing. Life insurance offers financial protection to your loved ones, ensuring that they are financially secure and can maintain their standard of living even in your absence.
There are various types of life insurance policies to cater to different needs:
The amount of life insurance coverage you need depends on various factors, such as your age, income, financial liabilities, and the number of dependents. A general rule of thumb is to have coverage equivalent to 10-15 times your annual income. However, it's best to discuss your specific needs with a financial advisor to determine an appropriate coverage amount.
Yes, you can typically change your life insurance policy coverage or beneficiaries. Life insurance policies often offer flexibility to make adjustments based on your changing circumstances. You can contact your insurance provider or agent to make the necessary changes.p>
In most cases, life insurance premiums are not tax-deductible. However, the death benefit paid to your beneficiaries is usually tax-free. Additionally, certain life insurance policies like ULIPs may offer tax benefits under Section 80C of the Income Tax Act.
Yes, you can purchase life insurance for someone else if you have an insurable interest in their life. Common scenarios include insuring a spouse, child, or business partner.
If you miss a premium payment, your life insurance policy may enter a grace period (usually 30 days) during which you can still make the payment without losing coverage. If the premium remains unpaid after the grace period, the policy may lapse, and you will lose the insurance coverage.
Many term life insurance policies offer a conversion option, allowing you to convert the policy into a permanent life insurance policy without the need for a medical exam. It's a useful feature if you decide you need lifelong coverage later on.
Yes, it's possible to get life insurance coverage even with pre-existing health conditions. However, the premiums and terms may vary depending on the severity of the condition. Some insurers offer specific policies designed for individuals with certain health conditions.
When choosing a life insurance policy, consider factors such as the coverage amount, premium affordability, the insurer's reputation, claim settlement record, and the flexibility of the policy. Consulting a financial advisor can help you make an informed decision based on your specific needs.
These are just some of the most common questions we get asked. For anything else, please contact us.
InvestWise Hub offers a wide range of financial services, including mutual fund investments, fixed deposits, tax-saving solutions, life insurance (term and endowment), health insurance, and general insurance. Our comprehensive suite of services is designed to cater to all your financial needs and help you achieve your financial goals.
Health insurance is a type of insurance policy that provides coverage for medical expenses and hospitalization. It helps protect you from the financial burden of unexpected medical costs due to illness or accidents. Having health insurance ensures that you can access quality healthcare without worrying about the high costs involved.
General insurance is a type of insurance policy that provides coverage for non-life assets and risks. It offers protection against various unforeseen events such as accidents, natural disasters, theft, damage to property, and liability to third parties. Common types of general insurance include motor insurance, home insurance, travel insurance, and liability insurance.
The risk associated with mutual funds can vary depending on the type of fund. Equity funds generally carry higher risk due to market fluctuations, while debt funds are considered lower risk but not risk-free. It's essential to choose funds that align with your risk tolerance and investment goals.
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