Chanchinbu a a lan danin Health Care Scheme pawisa hi Bajaj Allianz – Fortune Plus Policy ah dah a ni a. He policy Fortune Plus hi i lo bihchiang lawk teh ang. (Heng a features ho hi a brochure atanga lak chhuah a ni a, ka chhut dan hi a dik vek kher lo mai thei)
– Flexibility of withdrawals (partial or full) at any time after 3 years from commencement of the policy, provided 3 full years’ premium are paid without any surrender charge. Kum 3 premium an pek chauhin kum 3 ral hnuah a vaiin an la chhuak thei tihna a ni.
– Sum Assured: Mizo tawngin luman emaw inralna emaw kan ti thin a. A policy la tu a term chhung a a thih palh a company in a chhungte hnena an pek chhuah tur a ni. Hei hi kum tina an premium pek let 5 a ni. A belhkhawm chu 50 crores a ni dawn tihna a ni.
– Mortality Charges: Hei hi Company in risk an lakna man an charge ve a ni a. Thlatin a pawisa awmsa atanga units cancel-a charge tur a ni. Kum upat dan zirin a tamin a tlem a ni. Eg. Kum 20 mi tan Rs. 1.57 per thousand Sum Assured. Kum 50 mi tan Rs. 6.53 per thousand Sum Assured. A awmzia chu a dah tu kha kum 20 lo ni ta se, Sum Assured/1000*1.57 tih a chhut tur a ni. A hming hawh tir tu zawng zawng kha kum 20 vek ni ta se, thla tin a charge tur chu 50,00,00,000/1000*1.57= Rs. 7,85,000/- a ni.
– Premium Allocation Charge: Hei hi premium an pek apianga charge thin a ni, an pawisa dah atang khan charge an lo cut thin a ni. He policy ah hian Rs. 2,50,000/- chin chung lamah chuan a kum khatna ah 10 % a ni. 10 crores ah Rs. 1 crore an charge dawn tihna a ni. A kum 2 na ah 4% a nia, a kum 3 na ah 2% a ni.
– Policy Administration Charge: Hei hi company in policy an lo buaipui na man an lak thin a ni. He policy ah hian policy an lak atang kum 3 chhung chu an premium pek hmasak ber 10% a ni. 10 Crores a 10% chu 1 Crore a ni. Kum thung chhung chu kum tin 1 crore an charge anga, chuan a kum 4 na atang chuan charge a tlem dawn a ni.
– Fund Management Charge: Hei hi an sum lo enkawlna man an charge a ni a, an pawisa dahna fund hrang hrang: equity, debt etc, a zirin 0.95% atanga 1.75% of Net Asset Value per annum a ni.
– A premium hi a pek leh hun ah duh chuan a tih tlem theih. Rs. 15,000 thlengin a tih hniam theih a ni. Tihhniam a nih chuan Sum Assured pawh hi a tlem ve phah ang a, Mortality charge pawh a tlahniam ang.
– Agent Commission: Hei hi agent in a hlawh tur zat a ni. He policy ah hian 7.5% tiin advisor pakhatin min hrilh a, mahse ka verify lo (10% a nih ka ring zawk mah). 7.5% anih chuan Rs. 75 lakhs tihna a ni. (Mimal tumahin a hlawkna an tel lo?) Tin Agent te hian nikum chhung khan 25 lakhs an hmuh tlin chuan MDRT (Million Dollar Round Table) ah an tel thei a, foreign ah a free in an kal thei tihna a ni.
– Life Insurance Policy reng reng hi policy an lak hnuah midang an pe chhawng thei a, chu chu assignment tih a ni a. An policy lak ho zawng zawng hi Health Care Scheme hnenah an assign tawhin ka hria.
ULIP chungchanga hriat tur te:
– Investment atan chuan Zero Death Benefit/ Zero Sum Assured policy ho hi an tha ber. A chhan chu thlatin mortality charge a awm ve lo. Pension policy ah mortality charge awm lo chi hi a awm tlangpui
– Kum tina pek chi aiin vawi khat chauh pek chi policy (fixed deposit) ho hi customer tan a hlawk zawk. Mahse Insurance companies a thawk te tan chuan vawi khat chauh pek chi a nih chuan WFP (Weighted First Premium) or WRP (Weighted Regular Premium) ah hian 10% chauh te an performance a an luh tir avangin kum tina pek chi hralh hram hram an tum thin. Agent tan vawikhat pek chi hi a commission a chhe ber a, customer tan a hlawk ber thung.
– Insurance Regulatory Authority of India (IRDA) hian a pung 10% aia tam promise a phal lo.
– Mizoram a Life Insurance Companies zawng zawng deuh tho hian number 1 an in ti vek a, hei hi chu a criteria a zir leh a ranking pet u a zir mai a ni.
– ULIP ah hian charges a tam em avangin a tlem berah kum 5 tal dah hram hram a tha.
– Policy in ang rau rau ah pawh kan pawisa dahna fund a zirin a pung a in ang lo viau thei.
– Customer tam zawkin fund switching hi an hre lova, hman tangkai a pawimawh hle.
Bajaj Allianz chungchanga hriattur:
– Hei hi German company ni lovin, German Company- Allianz leh Indian Company- Bajaj Finserv te inzawma an siam a ni. An head office hi Germany ah awm lovin, Pune ah zawk a awm a ni.
– Khawi Life Insurance Company (india ram ami) mah hian ram pawn ah an invest thei lo. IRDA danin a phal tlat loh avangin. Chuvang chuan TATA AIG a ni emaw, Bajaj Allianz a ni emaw, ICICI Prudential pawh nise, an partner company foreignah an invest thei lo.
Fortune Plus Policy hrechiang duh tan bajajallianzlife.co.in ah hian a en theih e.
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April 13th, 2009 at 2:31 am
great info
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April 13th, 2009 at 4:07 am
Ziak fiah tha hle mai
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April 13th, 2009 at 6:46 am
Zawhna ka neih chu Liana’n 20 year money back policy with profits + accident benefit LIC of India-ah Policy a lo lei ta a, cheng nuai 20 dah turin. Heng a pawisa dah tur hi a mature hmain a lo in withdraw duh ta a, engtin nge a tih tak ang? Agent ho hian a in withdraw dan hi an sawi tha duh der lo mai a, a hlawk lo ltk tih bak an sawi duh si lova, in withdraw a duh bawk si a, thurawn min pek theih chuan ka lawm ngawt ang.
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April 13th, 2009 at 7:38 am
@Winning: I zawh na chhana chu hei hi ani. “LIC a policy reng reng hi ka hriat sual loh chuan kum 3 tal premium pek a ngai ngei ngei a, chumi chung chuan a khawih chet theih tawh loh!Thihna chauh lo chuan. Accidental Benefit a tel chuan, a premium pek hnu hnun ber atanga chhutin a sum assured te nen chul tel vekin a nupui emaw ama hnung chawn tu tur chauhin ala thei ang. (He tah pawh hian, Death Certificate leh thlalak chiang tak a ngai kher. A Thi tih kha chiang taka Company in an hriat angai, chu lo chu a buai duh khawp)
Fully Premium a pek hma loh chuan… Agent te han sawi phak em em pawh ani lo. Agent te chuan … Premium an collect a, policy an hrilh fian a, form leh document an ziah fel pui a….. a tul chuan withdraw hun a tlen hun ah an en pui ve leh chauh thin. A Withdawr hun lo pui… premium pawh kumtling lova la pek loh leh hlek ah phei chuan an thu pha em em hran lo. Sawi leh sawi hnu chhiattawhna te a policy buyer chungah a thleng te anih ngawt loh chuan!
A hlawk lo lutuk an tih chu … thu dik ani. Theih nise…. i sawi ang Money Back policy with Profit +Accidental Benefit ang te phei chu … kum 10 vel tal dah thei se…. a dah tu a hlawk tlangpui. Entirnan kum 3 chauh lo dah duh ta se…. a kum 3 hnu chiah a la chhuak duh ta se…. a hlawk em em lovang… 12% interest in a pung ang an tih chuan …. 2% vel awr ani hman chauh ang.
@zorock: ziah hi a ziak fiah fel fai khawp mai a tha e. Ka ngaihtuah mai mai tak chu………… Health Care Scheme leh Bajaj kha an in mawngzawm te ngei a, kha tah khan Policy buyer ang in nge an kal tir anga? policy buyer ang lovin aw?? tih ka ngaihtuah a. Policy lei anga an kal tir anih ka ring a(Health Dept File ah)….. an kal tir chuan…Company tin Policy awm zia tha tak tak nei vek! Effective ve tho an a ni bawk si nen…….. Sum Assured tih lai tak te khi…. eng tin nge an implement ang?? tih zawhna ka nei tlat! Thingtlang pa mawl tak tak ten … MR Bill tiin an lawm em em a Ha-hip in an sawi a. Boral tawk an awm bawk a… chutih a boral a te hnen ah (SUM ASSURED) a chu pek an ni em? nge a bo tel ve nghal vek zawk?? Tin, Agent Commission hi thil pawi mawh tak ani a. Agent ni duh reng reng te pawn a …. an ngaihtuah ngun ber ani bawk a. Eng nge zuar ila ka commision that theih ang? tih ran a.. policy hralh an ni hlom bawk a. Zawhna ka neih leh chu….. Pu Tlanghmingthanga khan … a Fapa/Fanu/chungkhat lai na hnai te…. leh official hming kha a rawn lang tuar mai a. Official lam ho kha chuan kan hriat pui love.. an ti leh lawi bawk si. A Fanu/Fapa…etc te ho kha….. Agent hming an hawh a ni thei angem? nge Agent ang in an kal tir ang aw?? (Agent an nih dawn chuan IRDA Test a pass a ngai ngei ngei bawk si?,trainning a kal te angai ve bawk si? ) Agent puitling hming hawh thovin, file ah chuan fanu/fapa hming lang si in a tih dan kawng a awm thei a ngem? tih zawhna te ka nei mai mai a. A chhan chu Policy an lei ta sa sa… commision kha a tam lutuk si a… mi a nileng lo tan chuan ri ral tir mai mai chi ani lo!! Commission hlawkna tu nge tel vek??
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April 13th, 2009 at 8:36 am
@winning: ULIP ho hi kum 3 a ral hnu chuan a surrender theih tlangpui a, a policy a zirin a surrender charge a in ang lo. Entir nan kum 3 hnu ah chuan surrender charge 4% te a ni thei a. (or surrender value 96%) kan surrender chuan Fund Value (Premium+interest-Charges) – Surrender Charge kan hmu let dawn tihna a ni. ULIP tam zawk hi kum 5 ral hnu ah chuan surrender charge a awm lo. I LIC policy sawi hi ka hre chiang chiah lova a features heta tang hian i hriatthiam mai ka ring.
Mizoramah hian Life Insurance Agents tam zawk hian kum 3 a a thlep in an zuat thin a, hei hi economy chhiat lai chuan a theih loh tluk a ni. Charges a tam em avangin. Tuna kan policy sawi pawh hi tuna a fund value chu 5 Crores vel bak a nih ka ring tawh lo
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April 13th, 2009 at 8:38 am
@solomon_n: Hetia Assignment an tih tawh chuan Sum Assured kha a policy hming nei tu chhungte hnenah an pek a ngai tawh lo, Policy neitu nihna kha midang hnenah an pek chhawn tawh avangin. Mortality Charges erawh chu a la ngai reng ang
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April 13th, 2009 at 8:44 am
solomon_n and ZoRock inchungah ka lawm e. Ram danga ka awm daih avangin ka buaipui hlei thei lova, surrender mai duhna ka nei deuha chuvang a nia ka han zawh ni. Mahse kum 5 a pum ve tep tawha bei leh hram hram phawt mai ang aw….
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April 13th, 2009 at 9:13 am
@ZoRock : Sum Assured a ngai tawh lovang maw? A ngaih ka va ring e. ICICI Pru LIC a Policy ka hold mek a…. ka lei ah chuan a ngai a sin! Policy buyer ho hnen ah chuan ngai vekin sin a in ziak! chuvang tak avang chuan nia… Mizoram Health Dept te nen an in mawngzawm lai khan Policy an lei nge? Lei lo zawk ? ka rawn tih na chhan tak ni.
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April 13th, 2009 at 11:17 am
ka zawh ve duh chu kan chhungte hnai tak hian Bajaj Allianze ah rs.4 lakhs a dah a, eng policy tak nge ka chiang lo, vawikhawt pek chi kum 3 ah a leta pung tur an tia, mahse hei vawi 1 pek ti si kha dah leh a hun tawh an tia, Rs. 25000 tal i pek loh chuan i chan vek ang te an tia pu zorock or pu solomon hei hi inhrechiang m? hetia inthin ngawt theih a ni dawn a mi?
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April 13th, 2009 at 11:37 am
@ZoRock, i want to personally thank you for bringing up the awareness.
Mizote hian Insurance+Investment hi kan la hre lo lutuk a, a drive deuh tak tak nei thei hi awm se ka ti ngawt mai.
AND, also for letting us know, if someone (Accidentally?) kills all the 17 people named; then the Health Care Scheme will get 50 crores from the 10 they put in…
the bloody bureaucrats! :-|
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April 13th, 2009 at 11:38 am
@snwQueen: I chungte chuan eng policy ber nge an lei ang tih chu zawhna lian tak ani phot a? Investment ti tur ngar ngar chauh in nge Policy a hold a? a ma security a tan ? tih pawh zawhna a awm leh thei a.A eng a pawh chu lo ni se. Ka ngaihdan kan sawi ve mai mai teh ang. Policy a lei tawh a! a premium (4 Lakhs)kha vawi khat ah a pe vek chuan,chu mi hnu a ‘a hun leh tawh an tih a Rs 25000/-) an la dil leh fo chuan. A tir a Policy/Investment an in dawr dan ah an sawi chiang lo tih a ang khawp mai a. Ka rin dan chuan….. I chungte chuan INVESTMENT tur atan ngawr ngawr in Policy an hold duh a! Mahse eng eng Policy mah chiang kuang takin an hre silo a ang a. Chutah tak chuan an AGENT Pa/Nu chuan advantage lo la ve in…Investment ni tho si..policy a lei tir anih ka ring! chutah tak chuan… vawi lehkhata 4 Lakhs a pek khan! a Policy holder khan pe zo vek tawh ah a in ngai anga. Mahse, premium term nei anih avangin kum tin khan a pek angai tih a hre tawh lo ani ang. Mahse, a lei dan chu ka hre thiam mai. 4Lakhs vawi khata apek tlak tawh chuan, a hnu ah chuan a tlem tial tial ang! a 1st yr Premium paid ah 4 Lakhs a pek a, a 2nd Yr a Rs 25,000/- pek a ngaih leh tho chuan, a 3rd ah chuan Rs 15,000/- vel chauh pek angai tawh in ka ring. Chutiang policy chu a awm ngei e.
Inthin ngawt theih anih leh nih loh ai mah mah chuan … I Chungte (Policy Holder) te khan an Policy lei kha ngun takin en let leh sela..an duh ang chi chiah an lei em? nge an duh ang policy lan lo lei zawk ? tih kha chiang deuhin hre phot sela. Chumi hnu ah chuan an duh ang zawng an lo lei lo a nih chuan, (Jet Transfer) a la tih theih tho! chu chuan an policy an lei tawh sa, an duh siloh kha chu an thleng mai ang. Ka hrilh fiah thei che em aw?? Pu ZoRock a pawh khan han sawi sela… a fiah leh chawng mai ang.
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April 13th, 2009 at 1:43 pm
@SnwQueen
ULIP hi Lump Sum(voi khat pek chi), yearly, half yearly, quarterly, monthly in a pek theih. Lump sum-a in lei a nih chuan eng pawh nise an dil leh toh tur che u a nilo.
In agent khan in pek apianga alo hlep ve vangin a bum che u anih chu. (A duh chuan in agent ngei hian min chhang se)
tin, a let a pung tur a tih kha dawt bok, in lei duh nana a tawktarh mai2 che u anih kha. Tunah hian i thildah kha pung lovin a tlahniam zok ang.
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April 13th, 2009 at 6:52 pm
@solomon_n : Sum Assured chungchangah kha chuan ka hre chiang chiah lo.
@SnwQueen: Bajaj Allianz ah hian thil dik lo lian tak awm chu an policy pakhat Century Plus kha Single Premium policy ( vawi khat chauh pek chi) angin an zuar vak mai a, tam tak an hralh hman a. Mahse a brochure ka study chian hnu khan khawi laiah mah vawikhat pek chi tih a inziak lo. Chuvang chuan i chhungte policy lak pawh hi Century Plus a nih ngei ka ring. 10 lakhs la a, buai ta te pawh ka hria. An employee ten thil an hriat chian tawk loh vanga hetia buai a niin ka hria. He policy bik ah hian an phakar ve na em em chu eng charge emaw ber kha Sum Assured atanga chumi percent chu an ti daih a. Sum Assured kha premium let nga a ni a, chuvang chuan a figure a ziah tlem theih nan “out of Sum Assured” an ti ta a ni.
Kum thum a thlep tih pawh hi “written guarantee” tumahin an pe thei lovang. Tawngkam bak chuan an sawi thei lo tuman. Brochure ah chuan 6% leh 10% in Benefit Illustration a awm a. Tin hetiang Benefit Illustration ah hian misselling a awm lohnan customer ten an sign kher tur a ni. Hei hi IRDA dan a ni.
He Century plus chungchang ah hian mi tam tak an buai mek niin ka hria a, agen thenkhat chuan “Manager te renewal premium kan pek tir vek ang, information min pek dik loh avangin” tiin an sawi hial.
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April 13th, 2009 at 6:54 pm
@SnwQueen: “In thin ringawt theih a ni dawn em ni?” tih chungchangah khan agent in information diklo a pek a ni a, mahse verbal chauh a a pek a ni a, a policy brochure leh documents ah chiang takin 3 years premium pek tur a in ti a, customer in a sign vek tawh avangin tih theih a vang tawh mai thei. A renewal premium kha pek vek chu a ngai ang
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April 13th, 2009 at 7:14 pm
@ZoRock: Ka ring reng a
A hmingin ka thu ve tawh thin a LIC (M…ger) in ka awm ve tawh thin a…. ka hre chiang em em hran lova…. ka hre ve nel nual a. Any way thanks for the comment.
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April 13th, 2009 at 10:04 pm
Fortune Plus leh Century Plus hi single premium (SP) plans ni lo mah se SP anga kaltir dan a awm. FortunePlus-ah hian renewal premiums kan pek loh chuan revival period kum 2 chhung a awm a, hemi hun chhung hian kan policy kha a lapse ang a, kan boral anih pawhin death benefit (Sum Assured) a awm lo ang. Chuvangin, mortality charge pawh deduct loh nghal a ni ang. Pawisa lo pek tawh sa erawh underlying fund(s) ah te invest chhunzawm zel a ni ang. Kum 1-na chiah pek a nih chuan, kum thum ral hnuah pawisa lakchhuah tur tihna a nih chu. Sum Assured pawh a tir thla 12 chhung chuah a awm dawn tihna a ni.
Tuna Healthcare buaina bikah hi chuan a chunga kan sawi ang deuh hian an kaltir thei ang a; tin, a dan pangngai an zawm duh a nih pawhin 2nd leh 3rd yr. ah chuan policy khat zelah Rs 15,000 chauh pawhin an renew thei ang. A agent-in a commission dawn atangin Rs 15,000x17policiesx2yrs chu a lo pe tawh mai dawn te pawh a ni mahna.
Khitiang deuh bawk khian CenturyPlus pawh SP anga kaltir theih a ni. ‘Marawhchu, a revival period 4 years lai a nih avangin 1st yr. pe a, a dang zawng pe lo tan chuan kum 5 hnuah (1st year+4yrs revival period) lakchhuah theih a ni ang. Tin, a dan pangngai an zawm duh a nih pawhin 2nd leh 3rd yr. ah chuan policy khat zelah Rs 25,000 chauh pawhin an renew thei ang. Kum 3 hnuah withdrawals a tih tan theih bawk ang.
Hetiang anih avang hian, Bajaj Allianz Life Insurance Co. Ltd. (BALIC), Aizawl hnuaia agent leh managers-te hian renewal premiums an hmuh loh chuan an ratings a tlakhniam theih avang leh renewal commission an dawn tawh loh avangin, “Rs 25,000 tal i pek leh loh chuan i chan vek a ni mai,” an lo ti te pawh a ni mahna. Customers tan engmah chan tur a awm re re lo. Market conditions a ni zawk.
Single Premium (SP) leh Regular Premium (RP) te agent tan commission a inthlauh theih viau laiin BALIC bikah chuan Managers tan erawh rated premium atanga performance chhut a nih tawh loh avangin a inang reng.
Kum tina pek chi (RP) aiin vawi khat chauh pek chi (SP) ho hi customer tan a hlawk zawk kher lo. ULIPs ho hi a tlangpuiin khawi company policies pawh nise equity exposure nei ngah tak tak vek an nih avangin market flactuation awm thei reng a ni a. Entirnan, vawi lehkhatah Nuai 10 i dah pawp chuan market down ta se, i Nuai 10 kha a tlahniam buaih dawn tihna a ni a. Chutiang ni loa kum tin Nuai 2/1 tetea i dah chho beuh beuh chuan flactuations kha a minimize/moderate theih zawk ang. Vawi khat chiah pek a hlawk zawk theih dan kawng khat chu bullish deuha market a up chhoh char char chauhin a ni ang. Chu erawh thil thleng fo thin a ni lo ang.
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April 20th, 2009 at 4:00 pm
Keini pawh Bajaj Century Plus ah hian kan dah ve a. lahratla sawi ang deuh hian min hrilh. Tin, an company toll free helpline no.ah pawh kan enquire in 1st yr. chiah i dah chuan, i policy a lapse ang, a tir 12 months chauh insurance i nei ang a, 4 yrs revival period chhungin i policy i revive loh chuan kum nga hnuah surrender charge awm lovin i fund/account value chu pek i ni ang, tiin min chhang.
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April 20th, 2009 at 4:37 pm
10 @ apatea-
Ka ngaihtuah mai² a, an sawi ang deuh khan Pathian an hlau lo anih pawhin mihring tal te pawh hi an hlau lo amoni le.. he MHCS buaina a inhnamhnawih te hian le..
He thil thleng ah hian mi mawl ber tan pawh thil diklo a awm ani tih chu a hriat reng..an ngawihbo pui mai mai ang tih te hi ka hlau ania.. hetiang te chuan eiru thei te tan a nuam om e.. income tax kan pe bok clo.. Hemi mai pawh nilo aizawl civil hospital a building pakhat pawh kha a bo an tia ni lawm ni.. mak thei ee kan rama thil thleng hi chu.. khang te pawh kha a bo hlen ta chu ani ta mawi awm sia.. hahthlak eee… huizz…
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October 3rd, 2011 at 5:23 pm
[…] thei che em aw.. Pu ZoRock a pawh khan han sawi sela’ a fiah leh chawng mai ang. Read more on A Life Insurance Companies Related […]
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March 28th, 2012 at 12:50 pm
Green tea, Red tea, Rooibos, Yellow tea…
[…]Bajaj Allianz – Fortune Plus Policy | mi(sual).com[…]…
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