Manoj Gehi View On General Insurance &amp Personal Finance.

  L&T General Insurance has received approval from the  Insurance Regulatory and Development Authority  (  IRDA ) for a top-up health insurance plan of up to Rs 25 lakh, which can be bought by those even without an underlying insurance policy. A top-up  policy  acts as a supplementary cover. For instance, if an individual is covered up to Rs 3 lakh under his company's group insurance plan, he can buy a top-up policy where the claim amount exceeding Rs 3 lakh is paid . Although L&T General's new cover is named 'Super Top-up' plan, it can function as a basic policy with a deductible, if there is no other policy. "Instead of buying a Rs 3 lakh cover, a 30-year-old can choose to keep Rs 3 lakh in a fixed deposit and get an insurance policy which providers cover for claims between Rs 3 lakh to Rs 12 lakh for a premium of Rs 1,870 annually," said Joydeep Roy, CEO, L&T General Insurance. The pricing is such that higher the deductible, the lower ...

The Top Up Plan or The High Deductible Plan What is a top up plan or a high deductible plan? this is a plan / policy which can be taken along with your existing mediclaim policy.  This policy comes into effect after a pre-determined deductible amount.  Now one would ask what does one mean by deductible? in common terms deductible means an amount of sum insured which you would share or pay or have as an existing insurance under the existing insurance plan. Why Take this Plan? Most of us are not adequately insured, so In the times of rising medical costs Extra Care Policy is  the perfect health protection for you and your family. It takes care of the medical treatment costs incurred during hospitalization due to  serious accident or illness. This policy can be taken as add on cover to  your existing hospitalization – medical expenses policy.  Features of this plan This plan can be taken on individual or family floater basis. Eligi...

Most Of Us have a Health Plan / Mediclaim Policy so that our Finances are not effected in case of hospitalization. Do we have a Critical Illness Plan in Place so that our Finances Are Not Affected in case a Critical Illness Strikes ???? One Needs To Understand What is a Critical Illness Policy ? Critical Illness Policy is a policy which gives you & your family Financial Support in case a Critical Ailment Strikes. Gives you Financial Support over & above your existing Mediclaim Policy. Under the Critical Illness Policy Diagonsis is Important & Survival post Diagonsis is important. Under Critical Illness Plan Hospitalization isnt Mandatory. Let Us Now Understand Which Critical Illness Are Covered under this policy. Most of these policies cover the following 10 illnessess. First Heart Attack ( Myocardial Infarction ) Open Chest CABG ( Coronary Artery Disease requiring surgery ). Stroke resulting in permanent symptoms. Cancer of specified severity. K...

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People with diabetes, who are considered a 'high-risk category' by health insurance providers and therefore often find it difficult to get a proper medical insurance cover, would now have options to choose from . Until recently, Diabetes Safe from Star Health Insurance was the only specialized comprehensive health plan available for people suffering from this ailment. Now, another stand alone health insurer, Apollo Munich Health Insurance (AMHI) is all set to the offer 65 million diabetic patients in India with another option called Energy--a specialized plan for individuals living with diabetes mellitus 2 and/or hypertension . The product  will initially be available in eight cities from December 16, before being rolled out nationally next year. "Energy is a comprehensive wellness plan that not only covers you in case of hospitalization but also provides a health eco-system to help manage your health better and also rewards them with special offers from health p...

Attention Diabetics MUCH AWAITED HEALTH PLAN / MEDICLAIM FOR DIABETICS & HYPERTENSION IS HERE. This plan is valid for one's suffering with TYPE II DIABETES. i.e NON INSULIN DEPENDENT. Its A Health Cum Wellness Plan, Where you get a Health / Mediclaim (Hospitalization Cover) From Day One... With NO WAITING PERIOD For ailments related to DIABETES & HYPERTENSION. The Plan Has NO LOADING, NO SUB LIMITS. There is an Option of Co pay upto 20%. The wellness plan gives you an integrated health portal so as that you can monitor your health records at one place. It also facilitates you with a Health Coach which will interact with your goodselves. should you maintain your health. the plan rewards you with discounts on premium on renewal. for further details write to  planmyinsurance@gmail.com insurance is the subject matter of this solicitation.