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Insurance

Avoid These Events to Have Your Motor Insurance Claim Rejected

Motor insurance is mandatory by law, but you must not buy it solely for legal compliance. Instead you must choose to opt for a policy for the other benefits it has on offer like coverage against accidents, damages, and even third-party liabilities. It helps create a financial buffer for times when expected events occur damaging your car or bike.

The Motor Vehicles Act requires all vehicle owners to buy a motor insurance coverage of which third-party plans are the bare minimum requirement. Since it is the minimum coverage, there are other plans which can be opted for – a comprehensive policy. This policy offers the minimum third-party coverage along with protection for damages to your vehicle.

However, not every claim made by policyholders is accepted by the insurance company. Only those claims that are can be successfully verified are honoured. This article mentions some of those events that can lead to rejection of your motor insurance claim.

  • Not updating information

Outdated information regarding the policyholder or the vehicle is one of the common reasons for rejection of an insurance claim application. Your insurance company must be on top of all the necessary changes pertaining to your vehicle or even your personal information. Thus, you need to ensure all these changes are updated with your insurance company. Not updating can be sufficient grounds to consider it as a case of misrepresentation and consequently denied compensation.

  • Failing to renew the policy on time

Insurance coverage is only available when you have an active insurance policy. Thus, you must ensure your policy is active for which consistent renewal is essential. Once the policy expires, no insurance coverage is available and is a sufficient reason for rejection of your application.

  • Driving without valid documents

If the driver does not possess valid and active driving license, any claims made for repairs are rejected by the insurance company. Thus, you must make sure that you possess a valid driving license at all times.

  • Illegal acts

Acts that are considered unlawful will not honour your application for claim, be it a private or commercial vehicle insurance. These illegal acts may include drunk driving, driving without valid vehicle documents or eve the vehicle being used for illegitimate purposes are all categorised as illegal acts.

  • Fraudulent claims

A contract of insurance is based on the principle of utmost good faith. Thus, any fraudulent claims are straight-up rejected by the insurance company. Compensation is paid only after a verification by the insurance company. Thus, any untrue claim is disallowed by the insurance company.

  • Misinterpretation of insurance coverage

Insurance plans specifically state what falls under the purview of the policy terms. Hence, only those events that are mentioned in your policy terms are compensated for. In any case you misinterpret the coverage, the application for claim is rejected. For instance, you misinterpret your comprehensive policy to offer zero-depreciation cover where no add-on was opted for.

These are some situations that you must remember to avoid unnecessary rejections of your claim applications. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

 

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Finance

Misapprehensions About Two-Wheeler Insurance That You Should Ignore

Buying a two-wheeler in today’s day and age is no luxury but a mere matter of convenience. Convenience from hassles of public transport. But whichever two-wheeler you ride, having an insurance cover is mandatory as per the law. The Motor Vehicles Act lays down this need for compliance failing which, attracts hefty penalties.

Your search for a bike insurance policy may be supported by suggestions from friends, family and even your peers. But during the lookout for a suitable policy, there are various misconceptions that you mustn’t believe. Here are some of those misapprehensions you need to stay away from to make a prudent choice of bike insurance policy.

  1. Two-wheeler insurance is complicated

There are a myriad insurance plans to choose from and all of which are loaded with different jargons and terminologies. This makes most buyers believe that two-wheeler insurance plans are complicated in nature. However, that isn’t the case. The jargons and terms used in the policy documents and brochures only create such an impression but in reality, it is simple and straightforward once you breakdown those terms. Moreover, with the advent of internet technologies, bike insurance renewal and its purchase can be made seamlessly online. All of it at the convenience of your couch. So, the next time you hear that two-wheeler insurance is a complicated process, trust no one because it is easy and straightforward.

                                                               

  1. A third-party policy provides sufficient coverage

Many buyers of bike insurance plans overlook the importance of a policy that offers 360-degree coverage. Thus, they opt for only a third-party policy. Such third-party plan, although suffice the legal requirement of a two-wheeler insurance policy, often falls short of its coverage when it comes to protecting against own damages. Thus, the misconception about a third-party policy being enough must not be believed in. In fact, you must opt for a policy that offers comprehensive coverage. This way, any damages sustained by your bike during an accident or due to natural calamities or other man-made perils can be covered under your insurance policy’s scope. * Standard T&C Apply

  1. Your insurer cannot be changed or switched

Two-wheeler insurance plans are valid for a specified tenure, which is generally for a period of one year. After such tenure, you need to renew the insurance coverage wherein you can opt for additional or delete covers, or even opt for an ungraded insurance policy. Not just that, you can even change your insurance company and transfer accumulated benefits like the no-claim bonus too. Moreover, such transfer is possible even during your policy tenure, however, it isn’t advisable to switch mid tenure unless there are some serious coverage flaws. You can visit the official website of IRDAI for further details.

  1. Two-wheeler insurance provides for all damages

A comprehensive two-wheeler insurance plan protects your bike from different perils which otherwise are excluded from third-party policy’s scope, but just like all insurance policies, it has its share of limitations. Cases like riding under the influence of an intoxicating substance isn’t covered under any insurance policy. The insurance company straight up reject such claim applications. Hence, you need to be aware of the inclusions and exclusions of your policy and ensure you follow the law to have protection from damages.

  1. Buying two-wheeler plans is an expensive affair

Lastly, it is commonly believed that two-wheeler insurance plans are expensive. While in reality, economical plans are also available. While add-ons to a comprehensive plan can increase the premium, offloading those that do not add any value can help you save on premiums. In this process, tools like two wheeler insurance premium calculator come handy.

With the common misconceptions cleared about two-wheeler insurance plans, you can make a smart decision the next time you are buying one. Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure/policy wording carefully before concluding a sale.

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Finance

Everything you need to know about the National Pension System

All your life’s hard work and struggle pays off during retirement, your golden years, if you have an effective retirement plan in place. A good retirement plan will ensure you get a steady flow of income after you’re done working. One such effective plan that every Indian citizen is entitled to is the National Pension System or NPS. So, what is NPS and how does it work? Let’s figure out all you need to know about NPS here so that you can get started.

What is NPS?

NPS is a voluntary retirement plan that all Indian citizens between 18-70 years of age can invest in. It’s a government scheme that even corporate sector employees and self-employed individuals can benefit from.

Not only does the NPS help you save money, but also helps in reducing your taxes as the plan is eligible for a tax deduction. You invest a certain amount of money every year which builds up a corpus fund that you can withdraw during retirement. So, the earlier you plan, the more you can benefit from it.

Types of NPS accounts

There are two types of NPS accounts:

●      Tier I account:

When you want to invest under NPS, this is the default scheme you go for at first. It requires a minimum initial investment of Rs. 500 and a minimum annual investment of Rs. 1,000. There is no limit to the maximum amount you can invest in.

Here, you get a lock-in period till the age of 60. Withdrawals are permitted only after the lock-in period unless there are special circumstances. You are entitled to a tax deduction for NPS investment up to Rs. 1,50,000 each year under section 80 C and further deductions for up to Rs. 50,000 under section 80CCD (1B) of the Income Tax Act, 1961.

●      Tier II account:

This account is completely voluntary and you’re eligible to invest here if your Tier I account already exists. The minimum initial investment here is Rs. 1,000 and the minimum annual contribution amount here is Rs. 250. There is no tax deduction or lock-in period here. This means you can withdraw from here at any given point in time.

NPS scheme details – Rules for application, investment, and withdrawals

The easy and quick way to apply for NPS is through the online portal where you need to link your account to your Aadhaar, PAN, and mobile number.

Once your permanent retirement account number is generated, you need to make the initial investment. Your pension fund manager will take care of the investments you make here, helping you select the investment mode – equity, corporate debt, or government bonds. You’re allowed to change this mode only once in a financial year.

For Tier I account, the maximum age for exiting the scheme is 75 years. After that, you are entitled to withdraw 60% of the total corpus amount you have, while the rest 40% is to be invested in an annuity scheme if your corpus amount is more than Rs. 5,00,000.

You can make three premature withdrawals throughout the tenure, given it is for children’s higher education and/or marriage, house purchase/renovation, or medical emergencies. This is limited to 25% of your total investment and only applicable for those who have invested for at least three years.

Going for an NPS scheme is important for every individual as it helps contribute to your retirement corpus. Retirement planning ensures that you don’t have to financially depend on anybody in your golden years and are financially stable even after you stop working.

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Finance

What is Factoring? Types, Advantages, Disadvantages, Mechanism

Factoring can be defined as a financial where a factoring company purchases from the customers’ accountable receivables from the sales of products or services to clients. If your clients become the debtor of the factoring company, they must fulfill their obligation towards the factor.

The factoring contract assumes that the factoring company takes the entire credit risks and the collection of the account. Factoring in Winnipeg offers companies an effective way of financing their financial needs. They also act as a tool for the collection of invoices and risk hedging.

Traits of Factoring

  • The factoring company offers money to the supplier, including advance payment and loans.
  • In most cases, the factoring period is 90-150 days. However, some factors allow more than 150 days.
  • Factoring is a cheaper source of working capital compared to loans
  • Factoring receivables is a perfect financial solution for emerging and new companies without enough cash flow. That’s because creditworthiness is appraised based on the financial ability of the client. Thus these businesses can leverage the financial power of their clients.
  • A credit score isn’t essential for factoring in Winnipeg. However, the factors conduct a credit risk assessment before signing an agreement.
  • Factoring in Winnipeg is a technique of off-balance-sheet funding.

Mechanism of Factoring 

  • A factoring agreement involves three parties: the one selling account receivables, the customer of the seller, and the factoring company.
  • The seller of the product or services who prepares the invoices is the client and is a business.
  • Customers of the client or debtors are the recipient of the invoice of goods and services offered. They owe the cash for the value of service provided or goods purchased from the seller. They pledge to pay the money within the agreed payment agreement.
  • The factor or factoring company is the service provider who buys the invoices and provides advance payment to the business.

The factor is, therefore, an intermediary between the buyer and the seller.

Benefits of Factoring 

Substitute for Business Loans

Factoring plays a vital role in working capital funding. It substitutes business loans and supplements the credit or supplier’s credit. It’s a perfect replacement for high-cost loans.

Saves Time 

Factoring in Winnipeg will save effort and time to the business spent on collecting the invoice from clients. That effort can be channeled to other company expanding initiatives such as marketing, customer development, and sales.

Non-Collateral Needed

Unlike conventional bank loans, factoring does not require you to risk your property or home as collateral.

Minimal Operating Cycle Time

The average invoice collection period is lessened, and as a result, the total operating cycle duration of the customer is lessened.

Liquidity 

Factoring in Winnipeg helps the business raise the money, up to 90 percent of the receivable value instantly after the sale. That builds up the liquidity position of the customer.

Advisory Services

Factoring companies provide a range of advisory services to their customers, including credit evaluation for their overseas buyers.

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Business

The Right Way To File ERTC In A Hassle-Free Method

The concept of ERTC is not new. This is a payroll tax credit but often people confuse it with an income tax credit. Both are entirely different and the ERTC is reported in form 941. Those who need to file for ERTC 2021 must know the rules and regulations associated with it. It is possible for the employers who are even eligible to claim the ETTC by simply computing the amount of ERTC for at least the pay period and then lessen the desired deposit of the payroll by that value. As a part of receiving the ERTC anticipation, it is possible for the employers to reduce the employment tax deposit using the IRS or can even request for the ERTC advance from the form 7200 which is of advance payment credit because of pandemic crises. However, such payments are available for small employers who may be less than 500 full-time employees because of certain restrictions.

Know more about the ERTC:

ERTC 2021 application form is available but to successfully get the payment done, it is important to have background knowledge of the same. This type of refundable credit is given to the business as support for the crucial time. This means the business can claim qualified wages. It also includes some insurance value on health that is given to employees. However, there are some acts for which the employers may qualify if they are part of ERTC. This includes:

CARES Act – 2020         

As per this act, the eligible employer can add the borrower who must have taken the loan under the PPP. This means the credit can be claimed against the 50% for the wage that was qualified and given. This can be around $10000 for each employee on the yearly basis for the wages that can be paid in the particular financial year.

Consolidated Appropriations Act – 2021

This is another efficient act that cannot be ignored. Those employers who had been qualified which include the PPP recipients have the right to claim against the credit that has been made for that 70% of the wages qualified and paid. Besides, the wage amount that has been qualified for the credit has been $1000 not annually but per quarter

Employers that Qualify for the Employee Retention Credit:

There are many employees such as hospitals, colleges, and universities that can qualify for such credit. Earlier to this, it was mentioned in the Consolidated Appropriations Act that, including the business that has taken a loan under the Paycheck Protection Program is needed. This shall include the borrower from the PPP initial round who was earlier not eligible to claim the tax credit.

Conclusion:

The ERTC 2021 has come with some great upgrades. As per the recent one, it shall offer a better harbor in which an employer can exclude the PPP loan forgiveness amount along with Shuttered Venue Operators Grant amount of the gross receipts for the purpose to know the eligibility for claiming the ERTC. It is better for employers to apply for the harbor on regular basis across different entities.

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Finance

Investing guide for people looking to invest in Exchange Traded Funds

An Exchange Traded Fund (ETF) is like a basket that contains shares, bonds, etc. and can be traded on an exchange. It tracks an underlying index, either Nifty or Sensex, and holds assets in the same proportion as the index.

Looking to invest in ETFs? Here are some tips that could make your investments work for you –

  • An ETF fund could give good returns, but you as an investor should remember that not all investments provide positive returns. Hence, you should restrict your investment using limit orders where instead of waiting for a huge profit or recovery from a bad loss, the investment will be transacted at a good reasonable price that will benefit and save you from a loss. You need to set the limit on the order, and the rest will be taken care of.
  • It is advisable to begin trading a few minutes after the market has opened or before the market will close of the day. These are the periods when there is comparatively more volatility in the market. Following this advice could be beneficial in knowing the true value of stocks.
  • If you are not sure of the trade, you should seek professional help from the fund manager before investing big time. Essentially, an ETF is a market-based investment, and all market-based investments are subject to market risk. Any fluctuation in the market will impact an ETF, and though it is a diversified portfolio, there cannot be an assurance that it won’t incur a loss.
  • Always watch out for spread; a spread is a gap between a bid price and an ask price, where the bid price is the price on which investors are willing to buy while the asking price is the price on which investors are willing to sell. The difference between bid and ask is spread, which widens or narrows down according to market conditions. The transaction should be based on this spread as it determines the profit and loss of the investment.

These are some of the best ETF trading tips; however, if you are trading in an ETF for the long term, you should keep in mind its taxation benefits, brokerage charges, transparency of the trade executed by the portfolio manager and returns on investment promised by brokerage firms.

To make your ETF investments simpler and to explore more stock and mutual fund investment options, you could also reach out to a financial expert to curate bespoke financial plans that are in line with your risk tolerance, investment goals and horizon.

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Business

Building an On-Demand Medicine Delivery Service Like CVS and Capsule

Today, plenty of products and services are available online. People can place their orders, make payments, and then just wait for products to be delivered. Ordering medicines on the Internet is possible as well. Creating a convenient medicine application may turn into a pretty profitable investment because this will help increase sales.

What Is a Medicine Delivery App?

Such applications allow customers to pick and purchase medications right from the comforts of their homes. Customers can upload their prescriptions, contact a consultant, find attractive discounts, and more.

Helpful statistics on the medicine delivery app market are available here https://agilie.com/en/blog/how-to-create-an-on-demand-medicine-delivery-service-like-capsule-or-cvs. You can see for yourself that the demand for such services keeps increasing year by year.

The thing is that the use of special medicine applications is highly convenient.

Here are the main benefits of doing that:

  • Customers do not have to travel to any land-based pharmacy.
  • No need to be waiting in the queue.
  • An opportunity to find the right drug.
  • The possibility to catch attractive discounts.
  • Instant help from specialists.
  • Availability around the clock.

Of course, the popularity of such an application depends on its quality.

What Are CVS and Capsule?

CVS is a convenient pharmacy app. It has a nice red and white design and allows accessing a variety of features, such as:

  • Mobile payments
  • ExtraCare
  • Prescription information
  • Refill/pickup options
  • Curbside Pickup services

There are separate versions for iOS and Android users.

Capsule is an easy-to-use application that can be used to order medications and get them on the same day. It allows uploading prescriptions quickly and using different insurance plans.

How to Build a Popular Medicine Delivery App?

There are lots of things that you will need to think through to offer a high-quality application for your users. In particular, you should take into account the following matters:

The Type of Application

You have two main options. The first one is offering services from a particular pharmacy. This option is suitable for owners of online pharmacies who want to attract more customers.

You can also work as an intermediate. In this case, you can offer products from a variety of pharmacies.

Mobile Platform 

Android and iOS are the two most popular mobile platforms. The applications for each of them are developed separately because they need different programming languages and tools.

You can create applications for both platforms or choose one of them. Another option that you have is to develop a cross-platform app that will work on different platforms.

Features 

It is essential to pack your application with useful features, which will ensure a brilliant user experience.

Some features for shopping may include:

  • Registration
  • Account management
  • Upload prescription
  • Advanced search
  • Filters
  • Medicine details
  • Drug ordering
  • Online payment
  • Reviews and ratings
  • Contact options, such as a live chat

Features for delivery include:

  • Tracking system
  • Delivery updates
  • Push messages
  • Others

Design 

The design is about choosing the theme, colors, and layout. It is essential to make sure that all the elements are clearly visible, navigation is convenient, and color choice is not frustrating. You can have a look at similar applications to get the right ideas on that.

Development Company 

Once you have the main ideas, you need to find a professional development company that will be capable of fulfilling the project for you.

The development process will consist of the following stages:

  • Design
  • Development
  • Testing
  • Launch

Earning Money 

The main source of income will be through purchases made within the app if you are the owner of the pharmacy. If you are an intermediary, you can earn commissions from businesses, advertising, referral programs, and more.

Bottom Line 

Building a high-quality medicine delivery application can be pretty profitable. You do not necessarily need to be an owner of the pharmacy to earn money from selling medicines. If you have a pharmacy, building a good application will surely help generate more money.

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Insurance

3 Dos And Don’ts When Buying Online Insurance Plans

The online availability of insurance products has made the buying of general insurance an easy process. Now, you can get an insurance policy with a few clicks at your computer, even in the middle of a busy day. However, if you are buying online insurance for the very first time, you may need a bit of help and guidance. To set you on the right track, here are a few dos and don’ts that you need to keep in mind when buying coverage online.

DOs when buying online insurance

Make sure to follow these 3 DOs when you buy insurance online –

  1. DO compare plans across providers

When you opt to buy an insurance plan online, you are essentially in the driver’s seat. While you get full control over the plans that you select, you are also responsible for your selection. This means that you choose your plan minus the guidance of an agent. To ensure that you make the right choice, compare plans across a few insurance providers.

  1. DO read customer reviews

It is advisable to know what other people have to say about a particular insurance company. For instance, if you are buying a plan as important as home insurance online, make sure to compare the extent of coverage offered across a few insurance companies. This way, you will know that you are getting your money’s worth.

  1. DO check the claim settlement ratio

The claim settlement ratio tells you the percentage of claims settled by the insurance company (total claims settled over the ones received). A good ratio indicates that the insurance provider is a reliable one.

DON’Ts when buying online insurance

Make sure to keep the following DON’Ts in mind when buying insurance online –

  1. DON’T let someone else fill up your details for you

When going through the process of buying insurance online, make sure that you fill up all the details yourself. For instance, if you are buying online travel insurance, do not let an assistant at work fill up your form for you. If they make any mistakes in the details, you might face hassles later on when raising a claim.

  1. DON’T neglect going through the fine print

While it is important to know what your plan covers, it is equally important to know what it doesn’t cover. Before going ahead with the purchase, make sure to read every detail of the policy wordings carefully to see what the exclusions are.

  1. DON’T give false information

Finally, always be truthful when filling up any details for your insurance policy online. Never attempt to hide information or withhold any information. For example, if you purposely withhold information about pre-existing diseases or habits like smoking, your claims may even get rejected in the future. Remember that your insurance provider can only help you with the right information.

With these DOs and DON’Ts in mind, we are sure that you will make the right choice when buying online insurance.

All the best!

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Finance

Capital Solutions for Life Science Innovations

If you have an idea for an innovative new healthcare product, either a drug or a piece of equipment, or a therapy, you will need capital to develop and market that product.  At SWK Holdings we specialize in providing capital to life science businesses that are developing new ideas.

Often, a life sciences company will find it difficult to obtain capital in the usual ways.  For example, when trying to develop a new medication, a scientist cannot offer up the usual collateral that a bank or a traditional loan company would require to secure a loan.

Different Stages in the Development Process

Pioneering a new drug requires inventive capital solutions.  Most people believe that pharmaceutical companies are rolling in money so they should have no problem footing the bill for new therapies.  Whether or not that is true, the pharmaceutical companies don’t get involved in developing new drugs until close to the end of the process.

This discovery phase of drug development does not have such a need for capital solutions. The National Institutes of Health and other federal government entities have historically provided funds for the discovery stage.  In addition, state governments have lately been more involved in funding the discovery part of drug development.

At the other end of the process in the late-stage development time frame, is where pharmaceutical companies get involved and put their money into the development of the drug.  Again, the scientists won’t need capital solutions at this stage.

The Capital Gap

The time between the initial discovery research and the late-stage development is the time when novel capital solutions become critical. Sometimes charitable foundations will fund this stage because they are looking for drugs for a rare disease.  But most doctors, scientists, and life sciences companies are left to look for funding on their own.

A smaller biopharmaceutical company that wants to develop a new medicine must also look for a financial company that can offer advanced types of capital solutions for the middle part of the development project.

Since investment companies are not subject to the same regulations as banks are, they can typically do things that banks can’t do. They can individually tailor their loans to companies.

Asset Purchase

One of the ways an investment company can help out with innovative financing solutions is to purchase the asset.  Sometimes an investment company may purchase the drug being developed and fund it to market when it is ready.

Structured Financial Products

When a life sciences company needs major capital, it can seek out a structured financial product from a specialized company that focuses on life science innovations.  This type of loan would not be available from a conventional bank.

Structured financial products usually involve combining financial assets, and then selling these financial assets to investors.  One structured financial product is a credit-linked note.  This loan is structured to shift some of the risk of the loan over to the investors.  In return, the investors enjoy a high rate of return because their investment is riskier.

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Finance

What Are the Top-Most Creative Capital Solutions in the Finance Industry?

The right capital investment is the backbone of each and every business. Without the support of working capital, none can sustainably manage the cash flow, cost reduction, risk reduction, etc. This is why it’s really important to follow the most creative capital solutions which will be functioning just right for a small company. Small or big every business has a different financial situation and so an organization should adopt capital solutions depending on its strategies and programs.

Key goals of capital management

 

  1. An efficient capital solution is crucial for maintaining smooth operations and improving the profitability of a business.
  2. Creative capital solutions play a vital role in managing different company activities including debt management, inventory management, revenue collection, and much more.
  3. This method also identifies the areas which need more attention to maintain profitability and liquidity.
  4. Working capital management is essential for every business. This ensures that the business has enough liquidity to meet its short-term obligations.
  5. A capital solution maximizes the return on current asset investments by covering unexpected costs.

This article will focus on the top five capital management solutions that will maximize cash flow.

  1. Days Sales Outstanding (DSO): It is the average measurement of a business’ debtor exposure. The DSO helps in measuring the level of outstanding revenue at the end of a month based on the number of days sales/revenue represented by accounts receivable balance. This method is useful in detecting the gap between DSO and BPDSO.
  2. Days Inventory Outstanding (DIO): This is the financial and operational measurement that expresses the average number of days that the company takes to sell its inventory.
  3. Electronic Invoicing: This is one of the most creative capital solutions that can help a company to achieve working capital benefits. The streamlining of the invoicing process automatically minimizes the risk of errors, making sure the consumers are receiving it as soon as possible.
  4. Supply chain finance: For the buyers, it’s also popular as reverse factoring which enables them to offer early payment to the supplier through third-party funders. The supplier can boost the level of DSO due to the early payment at a low cost of funding.
  5. Flexible funding: The working capital providers also offer flexible funding that will help a buyer to move smoothly between supply chain finance and dynamic discounting models. It is effective for a risk-free return on the excess cash of a buyer.

Conclusion

These were some of the most creative capital solutions that are being used by businesses worldwide. There are too many capital partners who help the clients to determine the best strategy to access new sources of capital more efficiently that deliver enterprise goals. The capital advisory experts have unique knowledge of the insurance marketplace that effectively enables the clients to maximize their returns. So, stabilize the cash flow with the use of working capital solutions and meet the growth plans.

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