| United India Health - Family Medicare Policy Posted: 09 Nov 2013 04:01 AM PST Invest In Tax Saving Mutual Funds Online Call 0 94 8300 8300 (India) United India Health- Family Medicare Policy | | | | Objective | | This policy aims to cover all family members under a single policy and reduce multiple policy handling costs and efforts. | | | | Suited for | | This policy is suitable if you are looking for a single policy to cover your family. | | | | What does it do? | | It works like any other floater health insurance policy that provides medical expenses incurred in treating a covered ailment. A floater cover is beneficial as any insured family member can use the cover if need arises, up to maximum of the sum insured. The policy also pays a daily cash benefit of Rs 250 or 500 on paying extra premium. Daily cash allowance can be used to pay for any other daily expenses which are not covered under the policy. | | | | Pros | | This policy can be bought online through company's website and premium paid is eligible for tax benefit under section 80D of the Income Tax Act. | | | | Cons | | There are sub-limits on room rent, boarding and ICU charges.
A 10 per cent deductible is applicable on all admissible claims for persons above 60 years of age. Deductible is the amount that the insured will have to shell out of his pocket before the insurance company pays the claim. | | | | Our View | | This family floater gives a basic coverage for hospitalisation expenses along with sub-limits on certain benefits. However, it is fairly priced for the benefits offered. A policy without any sub-limits is preferred over policies containing limits. So, if your budget allows, consider other policies without sub-limits. | | | | Eligibility | | | | | | | Entry Age (years) | | | | | | | Minimum | | 18 | | | | | Maximum | | 80 | | | | | Coverage Type | | Family floater | | | | | Policy Term (years) | | 1 | | | | | Sum Insured (Rs) | | | | | | | Maximum | | 1000000 | | | | | Minimum | | 100000 | | | | | Discount | | No claim discount of 3% on premium after three continuous claim free years and subsequent years subject to a maximum of 15% | | | | | Pre Policy Medical Check Up | | Not required upto 45 years of entry age | | | | | Policy Termination | | Insurance company may cancel the policy by giving a 7 days notice period. Insurance company in such a case will repay the pro-rata premium to the insurer if claim has not been made. Insurer may also cancel the policy at any time. | | | | | Customer Service | | | | | | | Address | | United India Insurance Co. Ltd.
24, Whites Road,
Chennai - 600014 | | | | | Mail to | | customercare@uiic.co.in | | | | | Call to | | 1800 425 333 33(toll free), 91-044-28520161 | | | | | | | | | | | | | |
| | | | Scope of Cover | | | | | Cashless facility | | available if treatment availed in a network hospital | | | | | Reimbursement facility | | available if treatment availed in a non-network hospital | | | | | Pre and post hospitalisation | | covers medical expenses incurred during 30 days prior to admission to hospital and 60 days after discharge upto maximum of 10% of Sum Insured | | | | | Inpatient hospitalisation | | covered | | | | | Room rent, boarding and nursing expenses | | covered upto 1% of sum insured per day | | | | | I.C.U charges | | covered upto 2% of sum insured per day | | | | | Surgeon, anaesthetist, medical practitioner, consultants, specialist fees, blood, oxygen, chemotherapy, Radiotherapy, Artificial limbs, Cost of prosthetic devices implanted during surgical procedure like pacemaker etc., X-Ray | | covered | | | | | Other benefits | | | | | organ donor's hospitalisation expenses | | medical expenses for treatment of organ donor in case of major organ transplant is covered | | | | | Cost of health check-up | | reimburses an amount upto maximum of 1% of average basic sum insured once after every 3 continuous claim free years | | | | | Cataract | | 10% of SI subject to maximum of Rs25000 | | | | | Hernia | | 15% of Sum Insured subject to maximum of Rs.30000 | | | | | Hysterectomy | | 20% of Sum Insured subject to maximum of Rs.50000 | | | | | Following Specified major surgeries -i. Cardiac Surgeriesii. Cancer Surgeriesiii. Brain TumourSurgeriesiv. Pacemaker implantationFor sick, sinussyndromev. Hip replacementvi. Knee joint replacement | | 70% of Sum Insured subject to maximum of Rs.4 Lac | | | | | Optional benefits (require extra premium) | | | | | Ambulance charges | | covered upto Rs 2500 per policy period upon payment an additional premium of Rs 100 | | | | | Daily Cash benefit | | allowed | | | |
| | | | Exclusions and Waiting Period | | | | | Pre-existing illnesses | | will be covered after 4 continuous renewals with the company | | | | | No claim period | | initial 30 days since inception of the policy | | | | | Waiting period | | certain illnesses such as Hernia, Piles, Cataract, Hypertension, Diabetes etc, will be covered after a waiting period of 2 years | | | | | Deductible | | 10% applicable on all admissible claims for persons above 60 years of age | | | |
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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| Star Health Super Surplus Insurance Plan Posted: 09 Nov 2013 02:16 AM PST Invest In Tax Saving Mutual Funds Online Call 0 94 8300 8300 (India) Star Health Super Surplus Insurance Plan | | | | Objective | | This is a top-up policy that aims to protect policyholders from higher claims in a cost efficient manner. | | | | Suited for | | This policy is suitable for those who are covered under employer's insurance policy. It can be bought as an extension to your existing policy to provide higher protection. It is also worthy for older people when the chances of higher claims are more. | | | | What does it do? | | This policy works as a top-up on your existing insurance cover to pay for expenses which could go beyond your existing cover. It can be bought as a supplementary policy to pay for higher claims. This policy will not get triggered until your expenses cross the deductible. Deductible is the limit which has to paid by your existing policy or out of your pocket if uninsured. Deductible applies on a per-claim basis. For an instance, if the policyholder has a top-up cover with a threshold of Rs 3 lakh and gets hospitalized twice in a year with bills of Rs 2.5 lakh and Rs 2 lakh respectively, the top-up plan will not be triggered. This policy will activate only if the single hospitalisation bill exceeds the threshold mark. | | | | Pros | | This policy can be bought online.
Premium paid towards this policy qualifies for deduction under section 80D of Income Tax Act. | | | | Cons | | The policy does not allow lifelong renewal.
Deductible applies on per-claim basis. | | | | Our View | | This policy is good for those who foresee bigger responsibilities and thus wish to increase their health cover. Sharing costs through a top-up policy is useful as it provides higher cover at comparatively low rates. Deductible on per-claim basis is a drawback. Nonetheless, this policy is suitable for the elderly as they are more likely to risk of high medical bills. | | | | Eligibility | | | | | | | Entry Age (years) | | | | | | | Minimum | | 5 months | | | | | Maximum | | 60 | | | | | Maximum Policy Renewal Age (years) | | 75 | | | | | Coverage Type | | Individual/ Family Floater | | | | | Policy Term (years) | | 1 | | | | | Sum Insured (Rs) | | | | | | | Maximum | | 7 lakh for individual and family floater over and abover deductible | | | | | Minimum | | 4 lakh for individual and 5 lakh for family floater over and above deductible | | | | | Tax Benefit | | Premium paid is eligible for tax benefit under section 80D of the Income Tax Act | | | | | Pre Policy Medical Check Up | | Not required upto 50 years of age | | | | | 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 | | | | | Network Hospitals | | Http://www.starhealth.in/hospital.php | | | | | | | | | | | | | |
| | | | Scope of Cover | | | | | Cashless facility | | Available at empanelled network hospitals in India | | | | | Re-imbursement | | Available if treatment taken at any non empanelled non network hospital | | | | | In-patient hospitalisation | | Covered | | | | | Room rent, boarding | | covered upto a maximum of Rs. 4,000 per day | | | | | ICU, Nursing expenses, Drugs and Diagnostic tests, Fees for Doctor / Surgeon / Consultant / Anesthetist | | covered | | | |
| | | | Exclusions and Waiting Period | | | | | Pre existing diseases | | Covered after 36 months | | | | | No claim period | | Any disease contracted during the first 30 days of commencement of the policy | | | | | Deductible | | Individual Cover : 3 lakhFamily floater : 3 lakh/ 5 lakh | | | | | Other exclusions | | Cosmetic or beauty related treatmentsNaturopathy/ 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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| Bajaj Allianz Critical illness for Women Posted: 09 Nov 2013 12:50 AM PST Invest In Tax Saving Mutual Funds Online Call 0 94 8300 8300 (India) Bajaj Allianz Critical illness for Women | Objective | A special health insurance policy specially designed to cover eight critical illnesses related to women. | | | Suited for | Any female in 21-55 age group can buy this policy. | | | What does it do? | This policy offers a twofold protection. First, it covers and pays a lump sum amount on confirmed diagnosis of any of the eight specified critical illnesses, provided the insured survives for 30 days after the diagnosis. On admission of claim following a critical illness, it also pays an additional amount restricted to Rs 25,000 for future education of insured's children. Just in case the insured woman loses her job due to the illness, this policy pays an additional sum of Rs 25,000.
Second, it pays 50 per cent of sum insured in case the child conceived and delivered during the policy period is born with some congenital diseases, only if the child survives for 30 days. | | | Pros | Apart from cover for insured person, this policy disburses policy benefit in case a child is born with congenital disorders as well. | | | Cons | Policy benefits will be paid only if insured member survives for at least a month after diagnosis of illness.
Children education fund and job loss compensation amount may not suffice considering current inflationary scenario.
Maximum available sum insured is Rs 2 lakhs only. | | | Our View | There is no unique offer as such. One should not take this cover only because it covers congenital disorders. This benefit is accompanied with lots of conditions and survival period clause. Supplementary benefits like children education fund and job loss compensation, most probably would not be sufficient to meet the respective expenses. It is thus advisable to buy a general critical illness plan instead of this policy as the former provides a wider coverage at comparatively lower price. | | | Eligibility | | | Entry Age (years) | | | Minimum | 21 | | Maximum | 55 | | Coverage Type | Individual cover for women | | Policy Term (years) | 1 | | Sum Insured (Rs) | | | Maximum | 200000 | | Minimum | 50000 | | Pre Policy Medical Check Up | Upto 40 years of age: not required;
for 41-45 years of age: not required upto Sum Insured of Rs 1lakh;
above 45 years of age: not required upto Sum Insured of Rs 50,000 | | Grace Period for Policy Renewal | 15 days grace period is allowed to policyholder for payment of premium. | | Policy Termination | Policyholder is allowed to terminate the policy at anytime by giving a 15 day written notice. In case no claim has been made under the policy, percentage of premium will be refunded | | Customer Service | | | Address | Bajaj Allianz General Insurance Company Limited. GE Plaza, Airport Road, Yerawad, Pune - 411006 | | Mail to | customercare@bajajallianz.co.in | | Call to | 1800 225858(BSNL/ MTNL); 1800 1025858 (Bharti users- mobile/ landline) or 020 30305858 | | | | | | Scope Of Cover | | Critical illness | | | Women specific Critical Illness | 100% Sum Insured | | Breast Cancer | covered | | Fallopian Tube Cancer | covered | | Uterine/ Cervical Cancer | covered | | Ovarian Cancer | covered | | Vaginal Cancer | covered | | Paralysis | covered | | Multitrauma | covered | | Burns | covered | | Birth of Child with congenital disability | 50% of Sum Insured; for first two children and below 40 years of age for proposer | | Downu0092s syndrome | covered | | Congenital cyanotic heart disease | covered | | Tracheo-esophageal fistula | covered | | Cleft palate with or without cleft lip | covered | | Spina bifida | covered | | | | Children Education Bonus | Rs 25000 becomes payable for future education on diagnosis of critical illness for insured | | Loss of Job | Rs 25000 on loss of job within 3months of diagnosis of critical illness | | Exclusions and Waiting Period | | Waiting period | 90 days for critical illness cover and child born with congenital disability benefit | | Survival Period | 30 days for insured on diagnosis of critical illness and 30 days for child in case born with congenital disability | | Other Exclusions | Expecting mothers cannot take this policy before 3 months have elapsed post delivery.AIDS and or other related diseases.War, participation in any criminal activity 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
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- Edelweiss ELSS Invest Online
------------------ Best Performing Mutual Funds - Largecap Funds Invest Online
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- ICICI Prudential Focused Blue Chip Fund
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- Large and Midcap Funds Invest Online
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- HDFC Top 200 Fund
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- 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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