| Tata AIG Accident Guard Posted: 09 Nov 2013 06:30 AM PST Invest In Tax Saving Mutual Funds Online Call 0 94 8300 8300 (India) Tata AIG Accident Guard | | | | Objective | | This is a personal accident policy that aims to cover accidental death and disablement caused during the policy period. | | | | Suited for | | It can be bought as an individual cover or you may also include your family members under the same policy. | | | | What does it do? | | Like any other personal accident policy, this policy pays in case of accidental death or disability. It comes with two options, (1) Accidental Death & Dismemberment, (2) Accidental Death and Dismemberment accompanied by Permanent Total Loss of Use.
A person can select either of the two options on the basis of coverage required. Option 2 offers wider insurance.
Both options of the policy offer a weekly cash benefit in case of an accident, but not in the family cover. Another useful benefit is education allowance for continuation of child's education on death of the parent. Insurance company will also extend financial support to modify house or vehicle of the policyholder in case of disability | | | | Pros | | It offers an insurance cover up to Rs 1 crore. | | | | Cons | | There is no taxation benefit. | | | | Our View | | A standalone personal accident policy which is a must for anyone carrying accidental risk. Accidental risk can arise from a road accident or a job that requires performing dangerous tasks. Education allowance and house or vehicle modification allowance are valuable benefits. It also offers a huge cover of up to Rs 1 crore thus useful for those looking for a huge accidental cover. This policy is recommended. | | | | Eligibility | | | | | | | Entry Age (years) | | | | | | | Minimum | | 18; 6 months for child | | | | | Maximum | | 65; 18 years for child (23 years in case of higher education) | | | | | Coverage Type | | Individual/ family | | | | | Policy Term (years) | | 1 | | | | | Sum Insured (Rs) | | | | | | | Maximum | | 1 crore | | | | | Minimum | | 500000 | | | | | No Claim Bonus | | Sum insured increases by 5% for each claim free year upto 5 years | | | | | Pre Policy Medical Check Up | | Not required | | | | | Customer Service | | | | | | | Address | | Registered Office:TATA AIG Insurance, 9th Floor, Piramal Towers, Peninsula Corporate Park, Ganpatrao Kadam Marg, Lower Parel, Mumbai - 400 01 | | | | | Mail to | | customersupport@tata-aig.com | | | | | Call to | | 1800-266-7780 | | | | | SMS | | TAG to 5616181 | | | | | | | | | | | | | |
| | | | Scope of Cover | | | | | Accidental death | | pays accidental benefit equal to sum insured | | | | | Accidental Disablement | | pays an amount equal to as agreed upon in the policy document | | | | | Accidental weekly benefit (not available with family option) | | available in multiples of Rs 1000 depending on the opted sum insured | | | | | Additional benefits (applicable only with Family Option) | | | | | Education allowance | | 10% of sum insured is paid towards child education in case of accidental death | | | | | Repatriation of remains | | pays an amount upto Rs 5000 for transportation of insured person's remains | | | | | Modification allowance | | pays upto maximum of Rs 1 lakh towards the cost of modifying house or vehicle in case of Permanent Total disability or Dismemberment | | | | | Double Dismemberment benefit for children | | children who are automatically insured, Dismemberment benefit doubles | | | | | Family transportation (if hospital is 150 kms away from residence) | | reimburses actual expenses incurred by immediate family member to reach insured person upto maximum of Rs 50000 | | | |
| | | | Exclusions and Waiting Period | | | | | Pre-existing disability | | not covered | | | |
Happy Investing!! We can help. Call 0 94 8300 8300 (India) Leave your comment with mail ID and we will answer them OR You can write back to us at PrajnaCapital [at] Gmail [dot] Com --------------------------------------------- Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C. Invest Tax Saving Mutual Funds Online Tax Saving Mutual Funds Online These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving) Download Tax Saving Mutual Fund Application Forms from all AMCs Download Tax Saving Mutual Fund Applications These Application Forms can be used for buying regular mutual funds also Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds ) - ICICI Prudential Tax Plan Invest Online
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| Reliance HealthWise - Gold Plan Posted: 09 Nov 2013 05:02 AM PST Invest In Tax Saving Mutual Funds Online Call 0 94 8300 8300 (India) Reliance HealthWise- Gold | | | | Objective | | An online health insurance policy that aims at covering hospitalisation medical expenses and other incidental expenses in case insured person gets hospitalized. | | | | Suited for | | It can be bought as an individual or family floater covering your spouse and 2 children under the same policy. | | | | What does it do? | | Apart from expenses incurred while hospitalized, this policy also provides for treatment taken at home on advice of the doctor, day care treatment for illnesses or procedures which do not require an overnight stay in hospital due to technological progress and hospitalisation expenses of donor if a major organ transplant happens. Recovery Benefit worth Rs 10000 post discharge, Daily Cash Allowance to pay for expenses which are otherwise not covered under the policy and Critical Illness Benefit are also on offer. Critical Illness benefit pays a lumpsum equal to the basic sum insured if any of the insured member contracts a listed illness. Ambulance expenses are covered too. | | | | Pros | | There is no capping on room rent or ICU rent.
There are no sub-limits on different illnesses.
This policy can be bought online as well.
Premiums paid towards this policy enjoy a tax benefit under Section 80D. | | | | Cons | | It does not allow lifelong policy renewal. | | | | Our View | | Critical Illness benefit is useful if you had a family history of any of the stated illnesses. The policy offers a satisfactory coverage, however, the policy does not allow to renew beyond 75 years of age. Old age is the time when chances of contacting the diseases is highest. Health insurance becomes crucial during that time period. Prefernce should be to buy a policy that offers lifetime renewals. | | | | Eligibility | | | | | | | Entry Age (years) | | | | | | | Minimum | | 18; 3 months for children | | | | | Maximum | | 55; 18 years for children | | | | | Maximum Policy Renewal Age (years) | | 75 | | | | | Coverage Type | | Individual/ Family floater | | | | | Policy Term (years) | | 1 | | | | | Sum Insured (Rs) | | | | | | | Maximum | | 5 lakh | | | | | Minimum | | 2 lakh | | | | | No Claim Bonus | | 5% no claim bonus for every claim free renewal till it reaches 20% of initial sum insured | | | | | Pre Policy Medical Check Up | | Mandatory above 45 years of age. Insurer reimburses 50% of the cost if proposal gets accepted | | | | | Policy Termination | | Either of the parties may terminate this policy by giving a 15 days notice. The insurer would pay proportionate premiums if no claim has been made. | | | | | Customer Service | | Reliance General Insurance Company Ltd., Regd Office: Reliance Centre, 19, Walchand Hirachand Marg, Ballard Estate, Mumbai 400001 | | | | | Customer Service | | | | | | | Mail to | | Services.Rgicl@relianceada.com | | | | | Call to | | 1800 3002 8282(toll free) ; 022 3989 8282(charges apply) | | | | | SMS | | Type 'protect' and send it to 55454 | | | | | Network Hospitals | | Http://www.reliancegeneral.co.in/insurance/cashless-hospitals.aspx | | | | | | | | | | | | | |
| | | | Scope of Cover | | | | | Cashless Facility | | available if treatment taken in network hospital | | | | | Reimbursement facility | | available if treatment taken in a non-network hospital | | | | | Pre and post hospitalisation | | covers medical expenses during a period for upto 60 days prior to hospitalisation and 90 days post discharge respectively | | | | | Inpatient hospitalisation | | covered | | | | | Domiciliary hospitalisation | | covered upto 10% of basic sum insured | | | | | Day Care treatment | | covered subject to the list mentioned in the policy document | | | | | Nursing allowance | | pays Rs 300 per day for a maximum of 5 days. However, in case of listed critical illnesses, the above mentioned reimbursement will be extended to maximum 10 days | | | | | Health check up | | pays 1% (individual policy) or 1.35%(for floater policy) of average sum insured after 4 claim free years on a reimbursement basis | | | | | Critical illness | | pays an additional amount equal to the basic sum insured under the policy if diagnosed with any of the listed sum critical illnesses. It covers Cancer, Coronary Artery Bypass Graft, First Heart Attack, Kidney failure, Multiple Sclerosis, Major Organ Transplant, Stroke, Aorta Graft Surgery, Paralysis, Primary Pulmonary Arterial Hypertension | | | | | Donor Expenses | | covers donor's medical expenses | | | | | Value Added Covers | | | | | Daily hospitalisation Allowance | | pays Rs250 for each day completed in hospital as an inpatient if hospitalisation exceeds 3 days. This allowance will be granted upto maximum of 7 days in a policy year | | | | | Ambulance expenses | | covered upto maximum of Rs 1000 | | | | | Expenses on accompanying person (payable if hospitalised for 5 days or more) | | pays Rs 300 per day for maximum of five days | | | | | Recovery benefit | | convalesence benefit of Rs 10000 is paid in lumpsum if hospitalisation exceeds 10 days. This benefit is applicable for all insured members in a floater policy irrespective of the number of occurrences subject to the sum insured | | | |
| | | | Exclusions and Waiting Period | | | | | Pre-existing diseases | | covered after 2 years of continuous renewal | | | | | No claim period | | first 30 days of policy commencement | | | | | Waiting period | | Certain diseases such as cataract, Hernia, sinusitis etc.shall be covered after first policy year elapses | | | | | Other exclusions | | Naturopathy treatment or any other Non-Allopathic treatment | | | |
Happy Investing!! We can help. Call 0 94 8300 8300 (India) Leave your comment with mail ID and we will answer them OR You can write back to us at PrajnaCapital [at] Gmail [dot] Com --------------------------------------------- Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C. Invest Tax Saving Mutual Funds Online Tax Saving Mutual Funds Online These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving) Download Tax Saving Mutual Fund Application Forms from all AMCs Download Tax Saving Mutual Fund Applications These Application Forms can be used for buying regular mutual funds also Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds ) - ICICI Prudential Tax Plan Invest Online
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- Birla Sun Life Tax Relief '96 Invest Online
- IDFC Tax Advantage (ELSS) Fund Invest Online
- SBI Magnum Tax Gain Scheme 1993 Invest Online
- Sundaram Tax Saver Invest Online
- Edelweiss ELSS Invest Online
------------------ Best Performing Mutual Funds - Largecap Funds Invest Online
- DSP BlackRock Top 100 Fund
- ICICI Prudential Focused Blue Chip Fund
- Birla Sun Life Front Line Equity Fund
- Large and Midcap Funds Invest Online
- ICICI Prudential Dynamic Plan
- HDFC Top 200 Fund
- UTI Dividend Yield Fund
- Mid and SmallCap Funds Invest Online
- Reliance Equity Opportunities Fund
- DSP BlackRock Small & Midcap Fund
- Sundaram Select Midcap
- IDFC Premier Equity Fund
- Small and MicroCap Funds Invest Online
- DSP BlackRock MicroCap Fund
- Sector Funds Invest Online
- Reliance Banking Fund
- Reliance Banking Fund
- Tax Saver MutualFunds Invest Online
- ICICI Prudential Tax Plan
- HDFC Taxsaver
- DSP BlackRock Tax Saver Fund
- Reliance Tax Saver (ELSS) Fund
- Gold Mutual Funds Invest Online
- Relaince Gold Savings Fund
- ICICI Prudential Regular Gold Savings Fund
- HDFC Gold Fund
 |
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