| Star Diabetes Safe Insurance Policy Posted: 12 Nov 2013 03:40 AM PST Invest In Tax Saving Mutual Funds Online Call 0 94 8300 8300 (India) Star Diabetes Safe Insurance Policy | | | | Objective | | This policy is exclusively designed for those suffering from diabetes Mellitus Type II. It aims at covering diabetic patients for hospitalisation bills caused due to some other illness or condition. | | | | Suited for | | Any person between 26 and 65 years, diagnosed with diabetes mellitus type II is eligible to buy this policy. | | | | What does it do? | | A diabetic policyholder gets a cover for medical expenses for treatments taken as an inpatient. Though, this policy does not cover treatment of diabetes mellitus type II, it covers certain conditions like laser treatment for diabetic retinopathy, treatment for chronic renal failure due to diabetes and treatment of diabetic foot ulcer. | | | | Pros | | Premium paid under this policy qualifies for deduction under section 80D of Income Tax Act. | | | | Cons | | This policy does not cover people who have already developed diabetic complications like retinopathy, nephropathy and foot ulcer. | | | | Our View | | This is a unique policy serving the needs of diabetic patients. While most other basic health policies may deny cover to diabetics, this policy provides financial respite in case of medical problems caused by ailments other than diabetes. This policy is recommended. | | | | Eligibility | | | | | | | Entry Age (years) | | | | | | | Minimum | | 26 | | | | | Maximum | | 65 | | | | | Maximum Policy Renewal Age (years) | | 70 | | | | | Coverage Type | | Covers Individual diagnosed with Diabetes Mellitus Type II | | | | | Policy Term (years) | | 1 | | | | | Sum Insured (Rs) | | | | | | | Maximum | | 5 lakh | | | | | Minimum | | 50000 | | | | | Tax Benefit | | Premium paid is eligible for tax benefit under section 80D of the Income Tax Act | | | | | Pre Policy Medical Check Up | | Mandatory for all age group | | | | | Customer Service | | | | | | | Address | | Star Health and Allied Insurance Company Limited
Corporate Office: No.1, New Tank Street,
Valluvar Kottam High Road, Nungambakkam,
Chennai - 600034. | | | | | Mail to | | support@starhealth.in, info@starhealth.in | | | | | Call to | | 1800 425 2255/ / 044 2826 3300 | | | | | SMS | | STAR to 56677 | | | | | | | | | | | | | |
| | | | Scope Of Cover | | | | | Cashless facility | | Available at empanelled hospitals in India | | | | | Re-imbursement | | Available at non empanelled network of hospitals | | | | | In-patient hospitalisation | | Covered | | | | | Room rent and boarding | | 2% of sum insured,subject to a maximum of Rs.2500/- per day in Class A cities and Rs 1250 in other cities | | | | | nursing expenses, Surgeon's fees, Consultant's fees, Anaesthetist's and Specialist's fees, Cost of medicines and drugs | | Covered | | | | | Expenses of kidney organ donor or transplant | | Covered; Second transplant in case of failure of first | | | | | Second transplant in case of failure of first transplant | | Covered | | | | | Post renal complications on insured | | Covered | | | | | Specific Coverage | | | | | Eyes | | covers Diabetic Retinopathy requiring laser treatment | | | | | Kidneys | | Diabetic Nephropathy leading to chronic renal failure | | | | | Feet | | Diabetic foot ulcer requiring micro-vascular surgical correction | | | |
| | | | Exclusions and Waiting Period | | | | | Exclusions | | Patients who have already developed complications of Diabetic Retinopathy and/or Diabetic Nephropathy leading to Chronic Renal failure and/or Diabetic foot Ulcer.Expenses on treatment of Diabetes Mellitus Type II | | | |
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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| ING Term Life Insurance Plan Posted: 12 Nov 2013 12:49 AM PST Invest In Tax Saving Mutual Funds Online Call 0 94 8300 8300 (India) ING Term Life | | | | Objective | | An offline pure term plan that aims at providing fianancial assistance to family members in unfortunate event of death of insured member. | | | | | What does it do? | | A term plan which pays sum assured to the beneficiary on the unfortunate event of death of the life insured. It gives an option to select from two riders for additional cover for minimal cost. | | | | | Pros | | Lower premium rates for women.
Flexible premium payment term and premium payment frequency to cater varied needs of individuals.
Insurance cover up to 75 years of age. | | | | | Suited for | | A pure term plan is a definite buy for everyone. | | | | | Our View | | Term plans are the cheapest and best form of life insurance. This is a decent policy. However, if you are young and healthy and can make an online purchase comfortably, look for online policies as such policies will offer you better rates. | | | |
| | | | Eligibility | | | | | | | Entry Age (years) | | | | | | | Minimum | | 18 | | | | | Maximum | | 65 | | | | | Maximum Maturity Age (years) | | 75 | | | | | Policy Term (years) | | | | | | | Minimum | | 10 | | | | | Maximum | | 30 | | | | | Sum Assured (Rs) | | | | | | | Minimum | | 1000000 | | | | | Maximum | | No limit | | | | | Premium Payment Frequency | | Single, Yearly and Half-yearly. Quarterly and Monthly via ECS only | | | | | Premium Payment Term | | Single, Limited premium for 5 years and equal to policy tenure | | | | | Premium Factor (multiply with annual premium) | | Half Yearly: 0.512 times annual premium; Quarterly: 0.259 time annual premium; Monthly (through ECS only): 0.087 time annual premium | | | | | Policy Cover | | Cover remains fixed for the tenure of the policy | | | | | Other Features | | | | | | | Free Look Cancellation | | In case, you are not satisfied, you may choose to cancel the policy within 15 days of receiving the policy documents. Upon such cancellation, you will be paid back the premiums, minus the cost of stamp duty, medical reports and proportionate premium for the period for which the risk was covered. | | | | | Grace Period | | You are allowed to pay premiums within 15 days from the due date. If a due premium is not received within the grace period of 15 days, your policy will lapse and the life insurance cover, including the rider cover, if any, will be terminated. | | | | | Lapsed Policy Reinstatement | | You can reinstate your lapsed policy any time (within 2 years from the due date of the first unpaid premium) by paying all the due premiums and undergoing underwriting requirements, if any. | | | | | Tax Benefits | | Section 80C and Section 10 (10D) of the Income Tax Act, 1961 would apply | | | | | Exclusions | | In case of death by suicide during the first policy year, or within one year from the date of reinstatement, no death benefit is payable. Further, if the Life Assured under the policy, whether medically sane or insane, commits suicide, within one year of exercising the option to increase the Sum Assured, then the amount of increased Sum Assured will not be considered in the calculation of the Death Benefit | | | | | Customer Service | | | | | | | Address | | ING Life Insurance Company, No 690, 1st floor, Gold Hill Square, Begur Hobli, Hosur Road. Bangalore – 560068 | | | | | Call On | | 1-800-419-8228 and +91-9880888228 between 9 am to 9 pm; Monday to Friday and 9 am to 6 pm weekends and holidays | | | | | SMS | | ING' to 53636 | | | | | Additions to the Plan | | | | | | | Available Rider(s) | | Accidental Death Benefit (ADB): covers death due to accident.
Accidental Death, Disability and Dsimemberment Benefit (ADDB): covers-
Death due to an accident
Disability- resulting from an accident and occurring within 180 days of the date of accident and lasting for at least 180 consecutive days. Completely and continuously preventing the Life Assured from engaging in any occupation to earn any wages
Dismemberment- Physical severance or total irrevocable loss of use which results from accident and occurs within 180 days from the date of the accident. Dismemberment of limbs occurring within 180 days of accident or Physical severance of arm at or above wrist or Physical severance of leg at or above ankle or Physical severance of a thumb, an index finger, and at or above metacarpophenageal joint | | | | | Rider Conditions | | | | | | | Entry Age (years) | | | | | | | Minimum | | 18 | | | | | Maximum | | 55 | | | | | Maximum Maturity Age (years) | | 65 for both the riders | | | | | Rider Term (years) | | | | | | | Minimum | | 10 | | | | | Maximum | | 30 | | | | | Sum Assured (Rs) | | | | | | | Maximum | | Equal to base sum assured subject to overall limit of Rs 20 lakh | | | | | Rider Premium (Rs) | | Rider premiums vary for each policyholder. For instance, if a 30-year old opts for the ADB rider for Rs 5 lakh for 10 years costs Rs 652 and for ADDB rider for a similar sum works to Rs 869 | | | |
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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| L&T my Health Personal Accident Insurance Plan Posted: 11 Nov 2013 11:46 PM PST Invest In Tax Saving Mutual Funds Online Call 0 94 8300 8300 (India) L&T my: health Personal Accident Insurance | | | | Objective | | This is a standalone personal accident policy that covers accidental death, disability and other conditions to help family members and insured persons to cope up with the situation of financial instability caused as a result of accidental death or disability. | | | | Suited for | | This policy can be bought as an individual or family package cover including spouse, dependent child and dependent parents. Sum Insured for spouse and dependents will be limited to 50% and 25% respectively. This policy is a must for those engaged in high risk job profiles. | | | | What does it do? | | Its working is similar to any other personal accident policy that pays a lumpsum equal to the sum insured to the family members in case of death or permanent total disability of insured member caused due to an accident. If insured member becomes permanent partially disable, the insurance benefit to the insured person will vary depending on the type and nature of disability. It pays a weekly insurance benefit in event of temporary total disability.
Apart from direct benefits, this policy ensures that inopportune events such as death or permanent total disability do not hinder insured's dependent children's education. It also pays a benefit in case of loss of employment as a result of accidental permanent disability. Transportation expenses , ambulance charges and out patient medical expenses for treatment following an accident are covered as well.
The policy also provides an option to the policyholder to attach additional benefits to the policy by payment of an additional premium. Wheelchairs, crutches, artificial limbs and other external supporting items for use in case of disability can be added to the policy. Similarly other two benefits that can be included in the policy are cost of travel of insured member from place of accident to residence and hospitalisation expenses as a result of an accident. | | | | Pros | | It provides financial assistance for continuation of deceased policyholder's children education.
It offers optional additional benefits as well. | | | | Our View | | This is a comprehensive accidental policy offering a broad coverage. Those looking for a personal accident policy may consider it as it offers to cover various other related expenses as well. Additional benefits can also be added on payment of a nominal extra premium if you wish to extend the scope of coverage. | | | | Eligibility | | | | | | | Entry Age (years) | | | | | | | Minimum | | 18; 5 for children | | | | | Maximum | | 70; 18 for children | | | | | Coverage Type | | Individual/ Family package | | | | | Policy Term (years) | | 1 or 2 or 3 | | | | | Discount | | 10% discount on premium for 3 or more family members under the same policy.
Long Term policy discount of 10% for 2 year policy and 15% for 3 year policy term | | | | | No Claim Bonus | | 5% no claim bonus for every claim free renewal till it reaches 50% of initial sum insured | | | | | Free look Period | | 15 days | | | | | Grace Period for Policy Renewal | | 30 days | | | | | 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 | | | | | | | Address | | L&T General Insurance Company Limited
601-602, 6th Floor, Trade Centre,
Bandra-Kurla Complex, Bandra (East),
Mumbai - 400051 | | | | | Mail to | | help@ltinsurance.com | | | | | Call to | | 1800-209-5846 | | | | | SMS | | 'LTI' to 5607058 | | | | | Network Hospitals | | Http://110.234.8.38/ltweb/SearchNspWithoutLogin.aspx | | | | | | | | | | | | | |
| | | | Exclusions and Waiting Period | | | | | Pre-existing disability | | not covered | | | |
| | | | Scope Of Cover | | | | | Death benefit | | pays 100% of sum insured | | | | | Permanent total disability | | Pays 100% of sum insured | | | | | Permanent Partial Disability | | Cover varies from 1% to 50% of sum insured | | | | | Temporary Total Disability | | pays 1% of sum insured per week subject to maximum of Rs 6000 per week for a maximum period of 100 weeks under this policy in respect of any one injury | | | | | Education benefit (for dependent child upto 23 years of age) | | 10% of sum insured upto maximum of Rs 12500 in case of one child or 10% of sum insured upto maximum of Rs 25000 for all children in case of more than one child | | | | | Loss of employment benefit | | pays lower of 1% of sum insured or Rs 15000 in event of loss of employment as a result of loss of limbs/eyes or permanent total or partial disablement due to an accident | | | | | Transportation expense | | covered upto 2% of the sum insured or Rs 2500 whichever is lower | | | | | Ambulance charges | | covered upto Rs 1000 | | | | | Out patient medical expenses | | reimbursement up to 1000/- per accident or a maximum of 2500 per policy, for medical expenses incurred for treatment following an accident | | | | | Additional benefit (requires extra premium) | | | | | Cost of supporting items | | pays lower of 2% of sum insured or actual expenses or Rs 10000 for use of wheelchair, artificial limbs, crunches etc. | | | | | Cost of travel | | pays lower of 2% of sum insured or actual expenses or Rs 10000 for carrying insured member from place of accident to home | | | | | Medical extension benefit | | pays a certain proportion of medical costs spent during hospitalisation as a result of accident | | | |
| | | | 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
- HDFC TaxSaver Invest Online
- DSP BlackRock Tax Saver Fund Invest Online
- Reliance Tax Saver (ELSS) Fund Invest Online
- 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
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- ICICI Prudential Regular Gold Savings Fund
- HDFC Gold Fund
 |
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