| Iffco Tokio Individual Medishield Plan Posted: 08 Nov 2013 04:10 AM PST Invest In Tax Saving Mutual Funds Online Call 0 94 8300 8300 (India) Iffco Tokio Individual Medishield | | | | Objective | | An online health insurance policy that aims to cover individuals against basic hospitalisation expenses along with 10 major critical illnesses on an optional basis. | | | | Suited for | | Anyone fulfilling the eligibility criteria may buy this policy. It can also be bought as a family cover to avail a discount on premium, but each member will be covered for a separate sum that cannot be shared with any other insured member. | | | | What does it do? | | There are two special features under this policy. First, by paying 40 per cent extra of basic premium, one can cover against 10 critical illnesses for an amount equal to twice the basic sum insured. Second, the policy provides an Emergency Assistance Service to assist in medical emergencies with medical consultation, medical evacuation, care for minor children, cash coordination and other tasks.
It covers inpatient hospitalisation expenses, pre and post hospitalisation expenses, ambulance charges and provides for health check-up once in a block of four claim free years. | | | | Pros | | There is a discount on buying a policy for two or more family members.
This policy can be bought online.
Premium paid towards this policy qualifies for tax relief under Section 80D of Income Tax Act. | | | | Cons | | There is a capping on room and boarding charges .
It covers only 10 critical illnesses. | | | | Our View | | Additional cover for critical illness and Emergency Assistance Service are useful. Those looking for a simple and a basic health insurance policy may go for it. Extending the policy to cover other members in the family will also fetch a discount on premium. | | | | Eligibility | | | | | | | Entry Age (years) | | | | | | | Minimum | | 5 | | | | | Maximum | | 55 | | | | | Coverage Type | | Individual | | | | | Policy Term (years) | | 1 | | | | | Sum Insured (Rs) | | | | | | | Maximum | | 5 lakh | | | | | Minimum | | 50000 | | | | | Discount | | 5% for 2 people and 10% for 3 or more people | | | | | No Claim Bonus | | 5% of Sum Insured for each claim free till it reaches 50% of sum insured | | | | | Pre Policy Medical Check Up | | Required above 45 years of age | | | | | Customer Service | | | | | | | Address | | Corporate Office:
IFFCO TOWER
4th & 5th Floors
Plot No.3, Sector 29
Gurgaon-122001
Haryana (India) | | | | | Call to | | 1800-103-5499(toll free) or 0124-4285499 | | | | | SMS | | CLAIM' to 56677 | | | | | Network Hospitals | | Https://www.paramounttpa.com/ProviderNetwork/ProviderNetwork.aspx | | | | | | | | | | | | | |
| | | | Scope Of Cover | | | | | Cashless facility | | available if taken in a network hospital | | | | | Reimbursement facility | | available if treatment taken in non-network hospital | | | | | Pre hsopitalisation and post hospitalisation expenses | | covers expenses for 60 days prior and 60 days after discharge from hospital | | | | | In patient hospitalisation | | | | | | | Room, boarding and nursing charges | | covered upto 1%(2.5% if admitted to ICU) of sum insured per day. | | | | | Hospital Daily Allowance | | pays a daily cash amount if hospitalised | | | | | Domiciliary hospitalisation benefits | | covered | | | | | Emergency Assistance sevice | | provides medical consultation, emergency medical evacuation, care for minor children, emergency cash coordination etc | | | | | Local Ambulance service | | covered | | | | | General health check-up | | covered once after 4 claim free years | | | | | Additional Cover (requires payment of additional premium) | | | | | | | Critical Illness | | covers 10 critical illnesses for twice the basic sum insured | | | |
| | | | Exclusions and Waiting Period | | | | | Pre-existing diseases | | will be covered after 3 years of continuous policy renewal | | | | | No claim period | | initial 30 days | | | | | Waiting period | | certain illnesses such as hernia, cataract,, sinusitis and related disorders etc. will be covered after first year of insurance | | | | | Other exclusions | | naturopathy or other non-allopathic treatmentsOut patient treatment, AIDS or related conditions | | | |
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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| ICICI Lombard Healthcare Plus Posted: 08 Nov 2013 01:23 AM PST Invest In Tax Saving Mutual Funds Online Call 0 94 8300 8300 (India) ICICI Lombard Healthcare Plus | | | | Objective | | This policy aims at providing an incremental protection to policyholders. It is useful to increase the existing health insurance cover. | | | | What does it do? | | In case of a claim, initial expenses upto deductible limit have to be borne by existing policy (if any) or by the policyholder. Insurance company pays the amount exceeding deductible limit upto the sum insured. It is important to understand that this policy gets triggered only if claim amount exceeds the deductible during a single claim. | | | | Pros | | This policy can be bought online.
This policy pays for health check-up of any one insured person at time of policy renewal.
There are no sub-limits.
Premiums paid under this plan qualifies for deduction under Section 80D of Income Tax Act. | | | | Cons | | Deductible limit applies afresh to each hospitalisation. | | | | Our View | | This policy is beneficial as it is designed to cover higher claims, that are beyond the reach of your existing policy, at reasonable premium rates. The premiums reduce further as you move to higher deductible and a higher sum insured. The only constraint is that deductible applies to every single treatment undertaken as an inpatient in a hospital. People with adverse family history may consider this policy in addition to their basic health cover. | | | | Suited for | | Anyone who wishes to increase the existing insurance cover may buy this policy. It is also suitable for employees who feel the health cover from employer is inadequate. | | | | Eligibility | | | | | | | Entry Age (years) | | | | | | | Minimum | | 5 | | | | | Maximum | | 56 | | | | | Maximum Policy Renewal Age (years) | | 70 | | | | | Coverage Type | | Individual | | | | | Policy Term (years) | | 1 or 2 | | | | | Sum Insured (Rs) | | | | | | | Maximum | | 10 lakh | | | | | Minimum | | 5 lakh | | | | | Pre Policy Medical Check Up | | Not required upto 45 years of entry age | | | | | Policy Termination | | Either of the policyholder or insurer can terminate the policy by giving a notice of 15 days. | | | | | Customer Service | | | | | | | Address | | ICICI Lombard General Insurance Co. Ltd.
401-402, Interface Bldg; No.11,
Link Road, Malad (West),
Mumbai - 400064. | | | | | Mail to | | customersupport@icicilombard.com | | | | | Call to | | 1800 2666 | | | | | Network Hospitals | | Https://www.icicilombard.com/Content/ilom-en/Hospital_list/search.asp | | | | | | | | | | | | | |
| | | | Scope Of Cover | | | | | Cashless facility | | Available at empanelled hospitals in India | | | | | Re-imbursement facility | | if treatment taken in non-empanelled hospital | | | | | In-patient Treatment | | Covered | | | | | Health check-up | | free ckeck up at time of renewal | | | |
| | | | Exclusions and Waiting Period | | | | | Pre-existing disease | | covered after 4 years of continuous coverage | | | | | No claim period | | Any disease contracted during the first 30 days of commencement of the policy | | | | | Waiting Period | | 24 months for treatment of specific illnesses like Cataract, hernia etc. | | | | | General Exclusions | | Non-allopathic treatmenttreatment of AIDS or related condition | | | |
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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| HDFC ERGO Health Suraksha Plan Posted: 08 Nov 2013 12:48 AM PST Invest In Tax Saving Mutual Funds Online Call 0 94 8300 8300 (India) HDFC ERGO Health Suraksha | Objective | This is an online health insurance policy which will provide for hospitalisation and other related expenses. | | | Suited for | This policy is more suitable for those who utilize homeopathic or ayurvedic treatment. | | | What does it do? | This health insurance policy covers expenses of treatment taken as an inpatient. It pays for pre and post hospitalisation cost, day care procedures, organ donor expenses, and domiciliary treatment. It provides for allopathic medicine expenses, as well as unani, siddha and homeopathy treatments. If a policyholder does not make any claim for four consecutive years, he will be entitled to a free health check-up. | | | Pros | There is no capping on room rent, nursing fees or doctor's charges.
It covers non-allopathic treatment as well.
It can be bought online through company's website.
Family discount is available if two or more members are covered under the same policy.
Premium paid under this policy qualifies for deduction under section 80D of Income Tax Act. | | | Cons | Cumulative bonus will reduce by 10 per cent on acceptance of claim during any policy year. | | | Our View | Cover for homeopathic and ayurvedic treatment is a unique feature of this policy. Other benefits under this policy are similar to what other insurers offer. | | | Eligibility | | | Entry Age (years) | | | Minimum | 18; 3 Months for Children | | Maximum | 65; 21 for Children | | Maximum Policy Renewal Age (years) | 65 | | Coverage Type | Individual/Family Floater | | Policy Term (years) | 1 or 2 years | | Sum Insured (Rs) | | | Maximum | 5 lakh | | Minimum | 2 lakh | | Tax Benefit | Section 80D of the Income Tax Act are applicable | | Discount | Family discount of 10% if 2 or more members are covered | | No Claim Bonus | 5% for each claim free year upto maximum of 50% of initial Sum insured. On acceptance of claim during any policy year, cumulative bonus will be reduced by 10% in subsequent policy year. | | Pre Policy Medical Check Up | Not required upto 45 years of age | | Grace Period for Policy Renewal | 15 days | | Policy Termination | Insurer may cancel the policy by giving a 30 days written notice to policyholder. Policyholder may also cancel the policy at any time by giving a written notice to insurer. In case policyholder cancelling the policy, a certain percentage of premium would be refunded based on policy term elapsed till date. | | Customer Service | | | Address | HDFC ERGO General Insurance Company Limited 6th floor, Leela Business Park, Andheri-KurlaRoad Andheri East, Mumbai 400 059; Registered Office: Ramon House, HT Parekh Marg 169, Backbay Reclamation, Mumbai 400 020 | | Mail to | care@hdfcergo.com | | Call to | 1800 2 700 700 | | | | | | Scope Of Cover | | Cashless facility | available at empanelled network of hospitals | | Re-imbursement | available at non network hospitals | | Pre-hospitalisation | medical expenses incurred during 60 days immediately prior to hospitalisation are covered | | Post-hospitalisation | medical expenses incurred during 90 days after discharge from hospital are covered | | Inpatient hospitalisation | Covered | | Day care procedures | 141 day care procedures are covered | | Emergency ambulance | Covered upto maximum of Rs 2000 per event | | Domiciliary Treatment (for a minimum of 3 days continuous treatment) | covered | | Organ Donor Expenses during Transplant | covered | | Health Check Up | allowed after every 4 claim free years upto 1% of Sum Insured upto maximum of Rs 5000 | | Ayurvedic/ Homeopathic treatment | Inpatient treatment under Unani/ Siddha/Homeopathy is covered upto 20% for Policy Sum Insured of Rs 2 lakh and 3 lakh and Rs 25000 for policy sum insured of Rs 4 lakh. Once a claim for such treatment is admitted, any claim under allopathic treatment for same person and same illness willnot be accepted | | Exclusions and Waiting Period | | Pre-existing diseases | covered after a period of 48 months | | No claim period | Any disease contracted during the first 30 days of commencement of the policy unless there is a case of accidental injury | | Waiting Period | Certain diseases and illnesses such as cataract, arthritis, cysts, nodules etc. shall be covered after a waiting period of 24 months from inception of the policy | | General Exclusions | Dental/ oral treatment, Cosmetic, beauty, weight reduction and other likely treatments.War, participation in any criminal activity or adventurous activities such as mountaineering etc or any other related condition. | 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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- 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
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- 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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