Manoj Gehi View On General Insurance &amp Personal Finance.

HYPERTENSION Did you know that year 2013 is declared as the year of High Blood Pressure by (W H O) World Health Organisation W H O states that there has been an enormous increase in the cases of Hypertension/High Blood Pressure in India . W H O estimates that every 5 th person has the ailment of High Blood Pressure / Hypertension. Hypertension & High Blood Pressure. Changing lifestyle patterns in India & due to high degree of competition in every sphere of life we pay attention to earning the maximum & ignore health totally. As a result we work Maximum hours in a day. We don’t meditate. We sleep less. We spend less time with our Family & friends We don’t take breaks in between working hours. We don’t go for vacations. We don’t exercise. INSTEAD………. When Hungry just to safe time & work more we indulge in quick unhealthy junk food like, pizzas, wafers, ready made packs, pav bhaji, wada pav etc To BEAT STRESS Most indulge in large consumptio...

  STAR HEALTH INTRODUCES CARDIAC CARE A SPECIAL POLICY FOR HEART PATIENTS. A special plan for Heart Related Ailments, Only for those who already have undergone heart ailments like angioplasty Or bypass surgery Only ONCE . This plan will be given subject to Pre medical screening. The application is after 6 months from date of surgery or not later than 36 months from date of surgery. ( for example if you have completed more than 40 months you cant apply under this plan) Maximum Entry Age is 65 years. Mininum is 10yrs. Waiting Period for Heart Realted Ailments is 91 days from date of inception of the cover . Renewal is life time. It is not a floater policy. It is Individual Plan. 30 days pre hosptialization & 60 days post hosptialization expenses are covered @ 7% of the hospitalzation expenses. there would be an element of co-payon each & every claim to the extent of 10%, for the persons aged 60 years and above. For More Details Kindly Write in at email...

OPTIMA SENIOR Most of our parents & senior citizen’s are either not insured under mediclaim or health plan, also most of the insurance companies do not entertain mediclaim after age 55. As such in case of medical emergencies our senior citizen’s have no option but to eat into their lifetime saving’s. Apollo Munich Health Insurance Co Ltd offers a Health Plan Focussed Only for Our Senior’s. PLAN REVIEW ELIGLIBITY AGE: 61 years onwards no maximum age at entry. RENEWAL: Life Long Renewal irrespective of claim. CASHLESS: Offers Cashless facilities at network hospitals. COVERAGE: Rs. 500000(Rupees. Five Lakhs) NO LOADING: No loading in event of claim. SUM INSURED OPTIONS: 200000,300000,500000. PRE HOSPTIALIZATION EXPENSES: covered upto 30 days POST HOSPTIALIZATION EXPENSES: covered upto 60 days. POINTS TO BE NOTED. The Person will have to undergo pre medical screening for this policy. 15% co pay will apply in case of accommodation in twin sharing ...

OPTIMA RESTORE. A Unique & Unbelievable Innovation in Medical Insurance bought to you by M/s. Apollo Munich Health Insurance.  A must have for all those who desire medical insurance in their portfolio. This Plan Offer’s Maximum Financial Protection to one’s family in the hour of Health Crisis. WHY THIS PLAN IS A MUST HAVE IN ONE’S PORTFOLIO!! ?     LIFE LONG RENEWAL: Renew your coverage life long. ?     NO SUB LIMITS ON ROOM RENT: There are no sub limits or room rent capping under this plan. ?     NO CLAIM BASED LOADING: There is no loading on RENEWAL PREMIUM in case of claim . ?     50% CUMULATIVE BONUS (NO EXTRA CHARGE): In Event of CLAIM FREE YEAR OF POLICY THE NEXT YEAR THE SUM INSURED IS ENHANCED BY 50 % , FURTHER IN THE SUBSEQUENT YEAR AGAIN IF THERE IS NO CLAIM THE SUM INSURED IS ENHANCED BY ANOTHER 50%. THEREBY GIVING EXTRA PROTECTION TO THE FAMILY.WITH PREMIUM BEING CHARGED ON THE BASIC SUM I...

HOW TO CLAIM UNDER MEDICLAIM Intimate your Insurance Company/ T.P.A (Service Provider) at the earliest possible, preferably in writing or email about the policy holder getting hospitalized in advance. Go to the hospital where the policy holder is to be admitted, fill in the pre authorisation form your part and the rest by the Doctor concerned. Take your identity proof along any of the following so as to prove your identity, i.e Card provided by the insurance co, pan card, election card or passport. Please note CARD ISSUED BY THE INSURANCE CO or T.P.A IS MERELY AN PROOF OF IDENTITY & INSURANCE. IT DOESN’T ALLOW CASHFREE TREATMENT. Ask the hospital to communicate in advance the PRE AUTHORISATION FORM to the relevant T.P.A, wait for the authorisation. For REMIBURSEMENT CLAIMS Inform and intimate the Insurance co & the T.P. A about the admission in the hospital at the earliest without any  delay  preferably in writing or email. Once discharged fill in ...

TEN TIPS 1)      Always Have a Nominee or An Assignee in your Policy Document. 2)      SAVE TOLL FREE NUMBER OF YOUR SERVICE PROVIDER/TPA. 3)      UPDATE YOUR ADVISOR FOR ANY CHANGE IN MOBILE NUMBER OR COMMUNICATION ADDRESS . 4)      Check your Personal Data on the Policy Document once you receive it. 5)      Check your Sum insured & Cumulative Bonus if any. 6)      Inform your family about the policy document where you place it. 7)      Keep a copy of your Medi Card in your wallet. 8)      Do Not Destroy your Old Mediclaim/ Health Policy. 9)      PAY YOUR PREMIUMS AT LEAST 20 DAYS IN ADVANCE SO AS TO AVOID LAPSATION OF YOUR POLICY. 10)    REVIEW YOUR HEALTH / MEDICLAIM POLICY ONCE IN 3 YEARS. AS YOU MAY NEED ENHANCEMENT IN SUM INSURED DUE TO INFLATION, OR MAY HAVE...