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This Valentine’s #ProtectUrLove

It is time to think about those gifts that come with the assurance of security and peace of mind.

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Tick tock tick tock, the clock is ticking faster and your nerves can surely feel the arrival of February 14. The day when cupid will fire arrows as romantics will be busy in showering their beloved with flowers, chocolates and much more. Valentine’s Day is all about expressing your love and care but why shouldn’t that stretch to those things as well which matter to you most? After all, every expression of love is worthy of your gratitude. 

What is love?

Love is a commitment to care and a promise to support each other. When you truly care for someone, you want them to stay protected against unexpected adversities. While 2020 changed the way we celebrated occasions, the year also taught us to pause and take stock of what is most important in lives. So this year, let’s rekindle the celebrations and shower all those whom you love the most with gifts that come wrapped in the feelings of security and peace of mind.   

Confess your love for health: If there’s one thing that this past year has taught us, it is the value of health insurance. Falling ill with COVID-19 has put too many families at physical, mental, emotional and financial risk. With the skyrocketing medical costs, it’s time to say ‘I love you’ to yourself and your loved ones with a comprehensive health insurance policy which will take care of medical bills so that you can focus on the recovery without worrying about expenses. Further, various inclusions like cashless treatment, free doctors’ consultation, wellness benefits, etc.; assure a healthy and worry-free life.   

Reignite spark with your vehicle: You might have an emotional connection with your vehicle that goes beyond its functionality of taking you from one place to another. So many memories you have weaved during those journeys. Your vehicle has been with you through thick and thin. This Valentine’s Day, check your vehicle insurance to ensure it is not expired. In case of expired policy, you can still renew it by using the digital self-inspection. It is a perfect way to keep continuing your bond with your vehicle. Further, with an all rounded coverage, the policy will offer protection against damages to your own vehicle or to a third-party person/property. It also includes minor on-site repairs (so that your romantic evening out is not ruined by a breakdown!). With motor self-inspection application, it is feasible to renew motor insurance policy without any physical documentation and inspection, thereby significantly curtailing the time taken for policy issuance. With policies that include overnight car repair services and third-party liability coverage, you can be rest assured that your personal mobility will not be impaired. 

Home is where your heart is: Your home is the cozy place where you invest your emotions and treasure your memories. During the COVID-19 lockdown, millions spent time staying safe indoors, and the home became the center of all activities – work, online schools, fitness classes, dance, yoga, shopping, and more. While your home shields your dreams, it also needs a shield against man-made and natural perils like earthquakes, flood, theft, etc. It becomes indispensable to buy a home insurance policy to protect your abode from unforeseen risks.

You can choose to cover either home belongings and structure or only belongings under your policy. Be it an apartment, rented accommodation, a luxurious bungalow, insure it to ensure it always stands strong to shelter you both in rainy and sunny days. 

Get eaten by love bug not virus: Cybercrime is on the rise, indeed studies showed it peaked sharply during 2020 when activities went online at an unprecedented pace. Phishing, scamming, data hacks, online leaks – these are crimes that cause immense distress, both financially and emotionally. Further there is an upward trend in online crimes during Valentine’s Day when many people send flowers, chocolates or other gifts online. But don’t let cybercrimes dampen your spirits. With cyber insurance, get worldwide protection from major cyber risks such as unauthorized online transactions made on an individual’s bank account/debit or credit card by a third party for purchases over the internet. Moreover, the policy also covers damages caused to an individual’s reputation due to publishing of wrong information over the internet. The policy can be extended to cover the family including spouse and two dependents. With cyber insurance, keep browsing worry-free.

2021 is a great time to add a deeper layer of caring and love to Valentine’s Day gifting. Let’s make it about ways to #ProtectUrLove. What better way to face 2021 than with a new perspective on life, love and contentment? 

Disclaimer: The views expressed in the article above are those of the authors' and do not necessarily represent or reflect the views of this publishing house. Unless otherwise noted, the author is writing in his/her personal capacity. They are not intended and should not be thought to represent official ideas, attitudes, or policies of any agency or institution.

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investment Valentine's Day

Anurag Rastogi

President, Chief Actuary and Chief Underwriting Officer, HDFC ERGO General Insurance

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