Manoj Gehi View On General Insurance &amp Personal Finance.

HEALTH CARE SUPREME THE LATEST IN THE OFFING IN HEALTH INSURANCE. Highlights:- ·         Sum Insured Options From Rs.5 Lakhs To Rs.50 Lakhs. ·         No Medicals for any sum insured for upto 45 years of Age. ·         No Sub Limits On Room Rent Or Any Other Expenses. ·         Waiting period for Hysterectomy, Cataract - covered after 1 yr ·         Pre Existing Diseases Covered after 24 Months *( refer policy terms & Conditions) ·         Pre Hospitalization Expenses Covered For 60 Days. ·         Post Hospitalization Expenses Covered For 90 Day from date of discharge. ·         Road Ambulance Covered upto limit of Sum Insured. ·         Air Amb...

CHANGE'S IN APOLLO MUNICH EASY HEALTH PLANS. Apollo Munich Brings has bought in changes in Their Easy Health Plans. The Changes are as follows :- The sum insured options have been  increased to Rs. 50 Lakhs from earlier upto Rs. 15 Lakhs. Now One can cover self, spouse, parents/ parents in laws, children under one policy. Pre hospitalization expenses Covered upto 60 Days from earlier 30 Days. Post hospitalization expenses Covered Upto 90 Days from earlier 60 days. Cumulative Bonus 10% every year on the sum insured upto 10 years, earlier was 5 years. subject to no claim Critical Illness can be added as an add on cover across all variants subject to additonal premium. Premiums re configured. for further details kindly go through the policy terms & conditions  OR  REACH US AT planmyinsurance@gmail.com

NEW INDIA ASSURANCE CO LIMITED LAUNCHES..... NEW FAMILY FLOATER MEDICLAIM POLICY HIGHLIGHTS OF THE POLICY: Available for Family , family includes proposer, spouse, children from 3 months to age 25 years, & proposer's parents provided financially dependent on the proposer. Sum Insured options from Rs. 2,00,000 to 8,00,000 coverage : 1% of sum insured towards room rent, & 2% of sum insured towards I C U room charges ( refer policy conditions) Built In New Born Baby Coverage :- A New Born Baby to an insured mother, who has 24 months of Continuous Coverage, is covered for any Illness or Injury from the date of birth till the expiry of the Policy, within the terms of the Policy, without any additional Premium. Any expenses incurred towards post natal care, pre-term or pre-mature care or any such expense incurred for delivery of the New Born Baby would not be covered. Congenital External Anomaly of the New Born Baby is also not covered under the policy...

 A NEW MEDICLAIM POLICY FOR THOSE HAVING GIRL CHILD. HIGHLIGHTS Health Protection for family having Girl Child Only.( It can be taken by those having Girl Child only ) 50% discount on premium of Girl Child. Personal Accident Coverage For Parents. ( In case of Unfortunate Death or Permanent Disablement of Parent due to Accident 100% sum insured payable) Critical Illness Covered , upto 10% of Sum Insured.That would be Additional , 11 Critical illness Covered. ( if critical illness is contracted then 10% benefit of sum insured payable). Policy Available On Floater Sum Insured Basis Only. Sum Insured Amount Ranges From Rs. 200000 To Rs. 800000 Girl child can be covered upto age 25 years provided they are financially dependent as on that age. Kindly Read The Prospectus & Policy Schedule in order to understand the Policy Terms & conditions. Or alternatively reach us at planmyinsurance@gmail.com

  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...