The Group Personal accident is offered for the group with complete flexibility for the employer to choose from the bank of benefits. Personal accident plan incorporates benefits like Family Transportation, Transportation of Imported Medicine, coverage against Broken Bones, Purchase of Blood, and Modification of Vehicle / Residence to make it unique.

OSTI plan will help protect your employees against spiraling medical and non medical costs while they’re traveling overseas and guide them and their accompanying family members on the path of wellness, hence truly a double protection of prevention and cover. It is a broad cover for their medical (treatment both outpatient and inpatient against illness and accidents) and non medical (passport loss, baggage loss, personal liability, to name a few) risks.

First and foremost you must remember the most important aspect of financial planning, and that is, what you want to achieve? Try doing this: jot down 5 important financial goals that you want to achieve in the next 10-15 years.

The best, way to make this daunting task easy is to divide your goals into the following three categories:

Responsibilities: Like providing for your parents, providing education to your children, funding their marriage, meeting any unforeseen events etc.

Needs: This includes requirements that you have like providing for retirement, buying a house, providing for day-to-day life and also saving for the near future, etc.

Dreams: Or aspirations. It can be anything like buying a luxury car to buying a big diamond for your wife or a world tour. Your dreams may be out of reach but there is no harm in listing them as this can act as a constant reminder for you to work hard.

The responsibilities, needs and dreams can be achieved through judicious mix of investments in fixed deposits, mutual funds and shares. Not to forget the safety net of Life and Medical Insurance.