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Replying to the tweet, The State Bank of India (SBI) said that opting for any type of insurance or investment is purely optional.

"Kindly note that opting for insurance and other investments is purely voluntary and our branches provide the information for the benefit as well as awareness of our customers. We maintain a high standard of ethics while providing services to the customers and no transaction is done in the account of the customer without his/her consent. Also, note that any type of insurance or investment is not mandatory to avail any type of service from us," read the SBI post.

SBI customers can raise a complaint against misselling of insurance policies at https://crcf.sbi.co.in/ccf

-Please register a complaint in this regard at this link https://crcf.sbi.co.in/ccf as Personal Segment/Individual Customer under the category- General Banking>>Operation of Accounts>Disputed Debit/Credit Transaction.

-Mention the brief details of the issue in the last column.

The Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY) launched in 2015, is a one-year life insurance scheme renewable from year to year offering coverage for death. PMJJBY offers a renewable one-year term life cover of ₹2 Lakh to all the subscribing bank account holders in the age group of 18-50 years, covering death due to any reason, for a premium of ₹330 per annum per subscriber, to be auto-debited from the subscriber's bank account.

Can SBI deduct payment for insurance? Check what State Bank of India says

SALT LAKE CITY -- With so many people across the state dealing with flooding, how can you best protect your home and wallet? It's something we may not think about until it's too late, but getting flood insurance -- even if you don't live in a flood-prone zone -- is what experts recommend.

"Regardless of where you live, you need to have a flood policy. You just never know." Diana Herrera, FEMA Region 8 Regional Flood Insurance Liaison. She says while more and more people need flood insurance, most homeowner and renter's policies don't include it.

"We're seeing more and more of these types of storms happen across the country," said Herrera. "These sudden, severe downpours in areas that may not show up on a flood insurance rate map as being a high risk flood zone."

Dealing with water damage without flood coverage can get pricey. FEMA estimates that one inch of water can lead to $25,000 in damages.

"Reach out to an agent, and if they want to know who is an appointed agent by the state, they can go to our website, insurance.utah.gov and we have a list of all appointed agents in the state of Utah," recommended Jon Pike, Utah Insurance Commissioner.

And even if you have flood insurance, know what is covered. "We have limited coverage in basements, explained Herrera. "Because they're just big swimming pools waiting to fill up... One of the things we do cover in basements is cleanup. That's a huge piece of what is damaged and what goes into that basement."

If you don't have flood insurance and are in this situation, there are ways you can possibly get reimbursed if a federal emergency declaration comes through. "First of all, document your damages," said Herrera. "Take photographs of everything that is damaged, pull wet things out, get them out there."

Most policies do have a 30-day waiting period, so you won't be able to rely on weather forecasts to predict if you need to buy flood insurance or not. "Think ahead," said Pike. "To plan and to say, what level of risk can I afford, and that's where insurance could come in to help mitigate some of that risk."

We are all wondering how many people and homes were impacted by the storms in Draper, we asked the city, but they don't know themselves yet.

So they have this form on their website that you can fill out, if you were impacted, to share details and damages, so officials can try to help you.

How to know if you should buy flood insurance for your home

Michael Stivala has moved into the insurance brokerage business while the developers' association he heads criticises the government for not introducing mandatory general insurance coverage for licensed contractors.

Stivala, whose main line of business is property development and rentals, snapped up shares in an insurance brokerage business in April.

The Malta Developers' Association (MDA) has in the past weeks slammed a "weak and ineffective" contractor licensing law for omitting mandatory insurance cover from the licensing regime.

Introduced two weeks ago, the new law requires all demolition, excavation and construction contractors to have a valid licence by 2025.

When contacted, Stivala, who presides over the MDA, said that, given his role, he is "fully aware and responsible" to declare any type of conflict of interest during all internal discussions within the association as well as with the authorities and government representatives.

He said the MDA's proposal for mandatory insurance coverage is about ensuring third-party rights and also ensuring contractors' employees are covered by suitable insurance in case of an accident.

"We are proposing the above in everyone's interest. There are many important factors why building contractors must have insurance.

"This is the position of all council members of MDA, who are all elected by our hundreds of members. This position was also agreed during several meetings with small, medium and large building contractors in Malta, who employs thousands of workers," Stivala said.

Insurers have pushed back at the proposal, saying there is no such thing as an annual insurance policy for contractors to cover all risks.

Adrian Galea, director general of the insurance association of Malta, said that each project presents a different risk and, therefore, insurers need to consider this when issuing a policy.

"The contractor will need to spell out the risks of a project to an insurer, who will then issue a policy based on the information. Only then can works on the project begin.

"The risk of building a high-rise block is very different to building a terraced house or a garage," he said.

The insurance brokerage company Stivala holds shares in - Central Insurance Brokers - is a member of the Association of Insurance Brokers (AIB).

Last week, the AIB followed the developers' association's lead in criticising the "watered down" licensing provisions, saying they will likely lead to contractors not being adequately insured.

Stivala moves into insurance, as MDA pushes for mandatory cover

If you are a student studying abroad, or if you are a parent with your children studying abroad, health insurance plans can be a very crucial thing. Nowadays, student travel insurance has become highly popular. These policies are a unique blend of international travel and health insurance. These are designed for students studying abroad and provide financial cover for medical expenses, baggage related risks, study disruption, and other travel-related risks that students may face during their trip. Also, what are the insurance policies for those suffering from cancer? Each of us has a unique investment style, which isn't right or wrong - just different. Your investment personality is made up of your risk tolerance, your savings objectives and other factors like when you want to use your savings. Without knowing your investment personality, you could put your savings into funds that are too risky for your level of comfort, or select a fund that's too conservative to fit your needsIn a recent circular, SEBI announced that mutual fund houses can now launch more than one equity scheme under the thematic category of Environmental, Social and Governance (ESG) mutual funds. However, fund houses have been mandated to keep these schemes distinct from each other. There are a plethora of funds available in the market to invest your hard-earned money in. But like one-size shoes cannot fit all, one style of mutual fund will not meet your return expectation and every one's risk-taking ability. So now the big question is: How do you assess which is the right fund for your portfolio? What are the criteria that one should look at?

Insurance For Students Studying Abroad | Mutual Fund Queries Answered | The Money Show

Τhe lists, whose posting was announced this past week, include 10,168 individuals and 16,839 legal entities whose debts have been in arrears for at least a year and have taken no action to repay them by the deadlines.

The names of individuals and companies that have outstanding debts over 150,000 euros to the state and/or the social insurance fund (e-EFKA) were posted by the Greek Independent Authority for Public Revenue (AADE) on Friday.

Τhe lists, whose posting was announced this past week, include 10,168 individuals and 16,839 legal entities whose debts have been in arrears for at least a year and have taken no action to repay them by the deadlines. It should be noted that the publication of the identity of debtors with high outstanding debts to the state (including taxes and tariffs) and/or insurance funds is mandatory by law.

Prior to publishing the names, each debtor was informed repeatedly through email to settle their debts.

Tax authority posts names of individuals, companies with high outstanding debts to state & insurance funds | Pagenews.gr

The Insurance Regulatory and Development Authority of India (IRDAI) Friday clarified that the bonds/debentures held by the insurers in HDFC Ltd on the date of announcement of the merger, which is April 4, 2022, will be under the category "Housing and Infrastructure" and treated as investments in this category until maturity of the respective instruments.

Also, the regulator exempted insurers from complying with the single investee equity exposure norms for individual segregated funds with respect to shares of HDFC Bank (post-merger) until June 30, 2024.

IRDAI has said that the exemption will only be with respect to holdings of the respective insurers as on June 30, 2023, and will be scaled down to the extent of sale of shares thereafter.

The clarification comes after insurers asked IRDAI to allow investments in HDFC bonds to be continued to be classified under the Housing and Infrastructure sector after the merger. Insurers had also urged the regulator to exempt the single investee equity exposure limits prescribed for segregated funds of ULIP with respect to investments in the post-merger equity shares of HDFC Bank.

Insurers see it as a big relief as the infrastructure investments in HDFC bonds, clubbed with investments made in HDFC Bank equity due to merger of these two institutions, resulted in automatic involuntary breach of single investee company limits. The investment cap for infrastructure and housing is a minimum 15% while cap for single investee company equity is 10%

While HDFC bonds also qualify for the minimum investments of 15% required in housing and infrastructure investments, HDFC Bank does not qualify for infrastructure and housing. Therefore, the continuation of existing infrastructure bonds of HDFC until maturity will help the industry in holding on to their investments.

Latest News hdfc: Insurance regulator relaxes norms for investments in HDFC - Businessfortnight

JERRY BROWN

Bankrate

PERSONAL FINANCE | ADVICE

When you rent a car, a customer service rep may try to sell you rental-car insurance. Rental insurance may protect you from having to pay if the rental is stolen or damaged. But in some circumstances, you may not need to purchase additional coverage. For example, if you already have full coverage car insurance, your policy may extend to the rental.

Bank rate's insurance editorial team covers scenarios where you may need rental insurance and explains how some common types of rental-car insurance work.

WHEN DO YOU NEED RENTAL-CAR INSURANCE?

You do not have any type of insurance.

You do not have collision or comprehensive coverage.

You do not want to pay a deductible.

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TYPES OF RENTAL-CAR INSURANCE

Rental-car insurance is similar to regular auto insurance. You can select the type of coverage and the level of coverage you want based on your needs. However, the types of rental-car insurance are much different from auto insurance.

Before getting rental-car insurance, you should be aware of your options. The most common types of rental-car insurance include:

■ Loss and damage waiver: Sometimes called the collision damage waiver, this is a waiver rather than a true policy. It essentially says that the rental company will not come after you in the event that the rental car is damaged or stolen. However, if you have collision and comprehensive car insurance, this may be included in your policy.

■ Supplemental liability protection: This covers damage you do to other vehicles or property. However, your own liability insurance may cover these instances, even when you are driving a rental car.

■ Personal accident protection: Personal accident protection covers the medical costs for you and any passengers if you are involved in an accident. Again, if you have personal injury protection or medical-payments coverage under your existing policy, you may already be covered.

■ Personal-effects coverage: This coverage pays for any belongings that may be stolen from your rental car. In this case, your homeowner's insurance or renter's insurance policy may offer similar coverage.

While there are many different types of rental-car insurance, it does not cover everything. For example, this type of insurance doesn't reimburse you for the cost of renting a car.

However, you may be reimbursed for rentals in some circumstances if you have rental reimbursement coverage -- which is typically an endorsement you can add to your existing policy for an extra cost. Note that this coverage provides reimbursement only if you're renting a car because your insured vehicle has suffered a covered loss.

How much is rental-car insurance?

The cost of rental-car insurance depends on the company you buy coverage from, the state you rent in, the type of car and how many miles you are driving. Purchasing add-on coverages will also increase the cost.

Does my credit card offer rental-car insurance?

Many credit-card companies offer rental-car insurance as one of the benefits for cardholders. However, rental-car insurance provided by your credit-card company is usually secondary insurance. That means if you get into an accident or the car gets stolen, your auto-insurance company will get billed first. If that is the case, your deductible will apply to the claim.

Credit-card companies offering primary rental-car insurance is less common. Primary insurance does not go through your personal auto insurance, so you do not have to pay a deductible. You can call your credit-card company to determine what type of insurance it offers.

Most major credit-card companies offer rental-car insurance for cardholders , but you usually have to pay for the rental car using the card and rent the car in your name.

Which insurance providers offer rental-car insurance?

Most major car-insurance providers automatically provide rental-car insurance coverage at no additional cost beyond your premium. However, it is important to remember that the coverage you carry on your policy is what will also apply to your rental. If you have liability only on your personal auto policy, you may want to consider bridging the gap with a loss-and-damage waiver.

Some companies offer standalone rental-car coverage policies. The rates for these policies can be cheaper than a standard auto policy, but the coverage provided is not as robust.

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Should you get the insurance?

Insurance offers have recently been developed to take into account snow levels and the number of hours of sunshine; now, insurers could also promise to reimburse holidaymakers when temperatures exceed 40°C

Will travel insurance providers be adding a new type of extreme heat coverage? Image: Shutterstock

With heatwaves plaguing southern Europe in recent weeks -- during the peak summer holiday period, the debate about weather-related travel insurance coverage has been rekindled. Insurance offers have recently been developed to take into account snow levels and number of hours of sunshine; now insurers could also promise to reimburse holidaymakers when temperatures exceed 40°C.

Temperatures reaching 46°C in Sicily, Italy, 45°C in Catalonia, Spain as well as on the Greek island of Rhodes, where serious fires forced holidaymakers to evacuate and return home...the start of the summer holiday season in July was a scorcher in southern Europe, making the region less attractive than usual. While some summer travelers decided to opt for a change of scenery, cancelling their holiday at the last minute in favor of cooler locales on the Atlantic coast or even the North Sea, another solution is being touted: the possibility of a refund in the event of extreme heat. This is the concept of American start-up Sensible Weather, an insurance company that told the British daily The Independent of its plans to develop a policy offering that offers protection when temperatures soar. The full details about how it will work have yet to be thoroughly worked out, but the principle would be to promise a 50% refund when the mercury rises above 35°C, for instance. When the heat rises above 40°C, holidaymakers would be entitled to a full refund.

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Can SBI deduct payment for insurance? Check what State Bank of India says

How to know if you should buy flood insurance for your home

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