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An event which exposes an individual or property to the risk of loss or damage is known as a peril. It may or may not be included and covered by an insurance policy. Example Fire, Earthquake, Hailstorm etc.

Policy Revival

If a policy holder has not made premium payments even after the due date has past and the grace period is over, an insurance policy would usually lapse. In such a case, a policy holder has the right to re-instate this policy. This is called Policy Revival.

Policy Holder

An individual who pays regular premiums to an insurance company in exchange for protection offered to him/her as part of the insurance policy he/she has purchased.


The amount that a policy holder must periodically pay the insurance company to receive coverage as per the policy's terms and for a specific period of time.

Health Insurance Riders


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