Prajna Capital

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Income Tax Saving Investment Opions for 2012 Posted: 23 Dec 2011 11:08 PM PST Below are some of the Income Tax Saving Options for 2012 available   1) Section 80C - Upto Rs 1 Lacs. Best tax saving investment under section 80C is Tax Saving Mutual Funds or ELSS Mutual funds 2) Section 80D - Mediclaim 3) Section 80CCF - Upto Rs 20,0000 by making investment in Infrastructure Bonds   --------------------------------------------- Buy Tax Saving Mutual Funds Online by selecting the Mutual Fund Schemes Mutual Funds Online   Download Tax Saving Mutual Fund Applications / Forms from all AMCs: Download Mutual Fund Applications   ---------------------------------------------   Application form for Applying for Tax Saving Long Term Infrastructure Bond     Current open Long Term Infra Bond Application form     Submit filled up application    Collection canter near you     Mutual Fund Application Forms Download Any Applications Buy Mutual Funds Online Invest Online Infrastructure Bond Application Forms Download Applications

LIC Jeevan Arogya and SBI Life Hospital Cash Posted: 23 Dec 2011 10:28 AM PST Benefits Both the plans are fixed benefit plans but LIC's Jeevan Arogya gives more benifts then SBI Life's Hospital Cash. Benefits offered under LIC's Jeevan Arogya are 1. Hospital cash benefit (HCB) 2. Major Surgical Benefit (MSB) 3. Day Care Procedure Benefit 4. Other Surgical Benefit 5. Ambulance Benefit 6. Premium waiver Benefit (PWB) Benefits offered SBI Life's Hospital Cash are 1. Daily Hospitalization Cash Benefit (DHCB) 2. Intensive Care Unit (ICU) Benefit 3. Family Care Benefit Daily Hospitalisation Benefit SBI Life's Hospital Cash plan gives fixed daily allowance to the policy holders for every day of hospitalisation, irrespective of the hospital bill amount. But one can only claim maximum 100 days of regular hospitalization in an year. Under LIC's Jeevan Arogya, the policy holders can claim, daily allowance for 30 days in first year, 90 days per year thereafter, inclusive of stay in ICU. Maximum number of days in ICU is restricted to 15 days in first year and to 45 days thereafter. Maximum Benefit in life time - 720 days inclusive of stay in ICU. Maximum number of days in ICU is restricted to 360 days Pre-Existing Diseases Both SBI Life's Hospital Cash and LIC's Jeevan Arogya plan covers pre-existing diseases after 2 years. Hospitalisation at (ICU) SBI Life's Hospital Cash plan, will be available for 50 days each year of the policy tenure. But when policyholder is admitted in ICU, he will receive an amount twice that of DHCB. Maximum hospitalisation is also restricted (at ICU) to 50 days in a year. LIC's Jeevan Arogya provides 360 days of intensive care hospitalisation for the entire policy period. Maximum number of days in ICU is restricted to 360 days Major Surgical Expenses Jeevan Arogya provides health insurance cover against certain specified health risks. It also covers major surgical expenses too. SBI Life's Hospital Cash plan, on the other hand, does not have specific cover for surgical expenses. Surgical expenses will be covered under standard hospitalisation Benefit Entry Age For LIC's Jeevan Arogya, the maximum age for entry is and the maximum is 65. Each of the insured are covered for Health risks up to age (80) SBI Life's Hospital Cash Maximum age 65 but the risks are covered upto 75 Years. Group Rebate SBI Life's Hospital Cash –   No of policyholders Rebate % 2 5% 3 7.5% 4 10% No Rebate for Jeevan Arogya Plan. Premium SBI Life's Hospital Cash Insured Age Sum Insured Premium (in Rs.) 30 years 200,000 2560 30 years 400,000 3910 LIC's Jeevan Arogya Insured Age HCB Term Rider DAB Premium (in Rs.) 30 years 2000 No No 3896 30 years 4000 No No 7292   Additional Benefits SBI Life's Hospital Cash, also provides an additional fixed lump sum of Rs 10,000 which is payable to policyholders covering two or more family members under the plan. Bonus upto 40% of enhanced sum assured without increase in premium, discount of 2.5% on premium on renewal of policy, family rebates up to 10% and premium guarantee for three years are other features of the plan. LIC's Jeevan Arogaya provides additional benefits like Major Surgical Benefit (MSB), Day Care Procedure Benefit, Other Surgical Benefit, Ambulance Benefit and Premium waiver Benefit (PWB).   ---------------------------------------------   Application form for Applying for Tax Saving Long Term Infrastructure Bond     Current open Long Term Infra Bond Application form     Submit filled up application    Collection canter near you     --------------------------------------------- Buy Tax Saving Mutual Funds Online by selecting the Mutual Fund Schemes Mutual Funds Online   Download Tax Saving Mutual Fund Applications / Forms from all AMCs: Download Mutual Fund Applications     Mutual Fund Application Forms Download Any Applications Buy Mutual Funds Online Invest Online Infrastructure Bond Application Forms Download Applications

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