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UBI is present in the market for quite a few years now, but the usage-based insurance market is relatively niche. However, the COVID-19 outbreak has disrupted the entire automotive industry and according to various insurance organizations/institutes, the COVID-19 pandemic gave a boost to the UBI industry. For example, according to Insurance Information Institute (iii), US witnessed a strong boost as vehicle owners did not want to pay full automotive insurance premiums. Usage Based Insurance is always a better deal than the Traditional Insurance for drivers who are driving less mileage and safely.
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Employees' State Insurance Scheme of India, is a multidimensional social security system tailored to provide socio-economic protection to worker population and their dependants covered under the scheme. Besides full medical care for self and dependants, that is admissible from day one of insurable employment, the insured persons are also entitled to a variety of cash benefits in times of physical distress due to sickness, temporary or permanent disablement etc. resulting in loss of earning capacity, the confinement in respect of insured women, dependants of insured persons who die in industrial accidents or because of employment injury or occupational hazard are entitled to a monthly pension called the dependants benefit. A lighted lamp which is the logo of ESIC truly symbolises the spirit of the Scheme, lighting up lives of innumerable families of workers by replacing despair with hope and providing help in times of distress, both physical and financial.
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Policy bazaar term insurance assures the payment of the mentioned death benefit to the insured's beneficiaries if the insured person dies during the specified period. Moreover, it is the policy that guarantees that if the person has passed away during the prescribed period then it offers financial assistance to his family
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