Thursday, 29 December 2016

Bajaj Allianz Health Insurance Plans – For a Safe and Secure Future!

The necessity of possessing a proper, valid health insurance scheme is underestimated. Healthcare systems in our country are undoubtedly costly and becoming worse by the minute. Thus health insurance schemes are a blessing by helping you spend your money in such circumstances in a way that is both efficient and prudent. 

Bajaj Finserv Limited and Allianz SE started a joint venture by the name of Bajaj Allianz General Insurance Company Limited to provide their customers with the best healthcare requirements. 
The following Bajaj Allianz Health Insurance Reviews is a basic introduction to their policies, and you can check them out in detail on their website.

1. Overview of the company:
The Bajaj Allianz health insurance premium calculator states the following:

Number of Members covered
Sum assured
4 lakhs
5 lakhs
10 lakhs

Bajaj Allianz offers many health insurance schemes which go by the names of Bajaj Allianz’s Critical Illness Health Insurance Plan, Bajaj Allianz’s Star Package Health Plan, Bajaj Allianz’s Silver Health Insurance Plan, Bajaj Allianz Extra Care Health Plan, Bajaj Allianz Tax Gain Plan, Bajaj Allianz Premium Personal Guard Policy, Bajaj Health Care Supreme Plan.

Plan Name
Minimum Age Entry
Maximum Entry Age
Online Availability
Bajaj Allianz Health Guard Individual Policy
18 years

65 years
3 months

25 years

Bajaj Allianz Extra Care Health Plan
18 years

70 years
3 months

18 years

Bajaj Allianz Tax Gain Plan
8 years
75 years
Bajaj Allianz Premium Personal Guard Policy
18 years

65 years
5 years

21 years

Bajaj Allianz’s Star Package Health Plan
18 years

45 years
3 months

25 years

Bajaj Allianz’s Silver Health Insurance Plan
46 years
75 years

2. Why buy the Bajaj Health Insurance Plan
- Cashless Claims you will be provided with insurance amount within one hour of the claim.
- They have a tie-up with more than 1200+ diagnostic centers and more than 4000 hospitals across the nation, and they come under the Bajaj Allianz Health Insurance hospital list.
- There is Value Added Services included in their policies like OPD discounts at particular outlets, and similar discounts on Radiology, Pathology, Pharmacy products and Health and Wellness tests.
- A 24*7 helpline called the Bajaj Allianz Health Insurance Customer Care by which you can talk and settle your claims.

3. Features and Benefits of Extra Care Health Policy:
- There is a facility for an extension of the coverage at low premiums.
- In the case of admission into hospitals, medical charges will be covered.
- Emergency ambulance services are also covered.
- No medical tests will be required up to the age of 55 years.

4. Eligibility:
- People aged 18-70 years of age can apply. In cases of children, if they are between 3 months to 5 years and if both their parents are covered or if they are 6-18 years and either one of the parents is covered then they can apply.
- Individuals between 18 to 25 years will be dependent holders of the health insurance policy.  

5. Inclusions:
- Pre hospitalization and post-hospitalization charges are covered for a period of 60 and 90 days respectively.
- The amount of money in excess of the limit that can be deducted as stated in the plan will be paid for in the case of claims. 

6. How to purchase the Health Insurance Plan Online:
There are various means by which you can apply for these insurance policies and they are:
- Entering your details like your name, Email ID, the mobile number on the website and send in for a request for them to call you back.
- You can choose the Buy Now option on the Health Insurance Plan of your choice. 
- The individuals may also visit their nearest branches or contact any company agents to make a purchase.

Wednesday, 21 December 2016

Why Cigna Health Insurance Plans is the one you should go for?

Life is unpredictable. With the fast growing world, our concern of health for near and dear ones are growing along with it.

While there are so many insurance policies available in the market, there are so many aspects to look for as well. As for the simplicity, here we present an honest Cigna TTK Health Insurance review and then the decision is yours.

Here is the history of the company

Cigna TTK health Insurance Company Limited is the joint venture of Cigna and TTK group incorporated in 2012. Within no time the insurance company grew like anything giving best Cigna TTK Health Insurance reviews.

Recently they launched Lifestyle Protection Product Suite which includes Critical care and Accidental care. Cigna TTK Health Insurance Reviews state that its claim settlement ratio for the year 2014-15 has been 64.33% topping the list of standalone insurers.

You can easily get the quote online or by Cigna TTK health insurance brochure to find related doctors and other details.

Let’s skim through its most popular plans

Plan Name
Minimum Age
Maximum Age
Sum Ensured
Policy period
ProHealth Protect Plan
91 days
INR 2,50,000-INR 4,50,000
2-3 years(flexible)
Lifestyle Protection
Adult: 18 years
Children:5 years
Adult: 80 years
Children: 25 years
INR 3,00,00,000
2-3 years(flexible)
Lifestyle Protection-Critical Care
18 years
65 years
INR 3,00,000
2-3 years(flexible)

Features and fore deals

Like any other insurance company, it also provides insurance on individual or family floater basis. Total members covered in family floater are four including two adults (spouse, dependent parents, dependent parents in law) and two children (dependent children or dependent grandchildren).

There are further different plans including Critical Illness Insurance, International Health Insurance, Pro-Health cash, etc.

Plans are available for life-long which makes it more efficient. Unlike any other, it also bears funeral expenses.

A bonus is provided for No-claims every year. There is a provision of covering critical illness and worldwide emergency.

Inclusions in the plans
  • ·         Pre-hospitalization costs are taken care of for 60 days before admission to hospital.
  • ·         Post-hospitalization costs are taken care of for 90 days after the discharge.
  • ·         The pre-existing diseases are ensured after waiting a period of 4 years.
  • ·         Also, they provide reimbursement of INR 500 every year to bear the doctor’s consultation charge
  • ·         Hassle free treatment to around 10, 00,000 hospitals all around the globe.
  • ·         An online wellness program called State of the art for all its policyholders.

Exclusions made from the existing plans
  • ·         Psychological disorder or psychiatric care
  • ·         AIDS
  • ·         Genetic disorder
  • ·         Injury caused due to attempt of suicide
  • ·         Drug abuse or use of toxic substances
  • ·         Loss because of childbirth or pregnancy

Claim process is as easy as the enrollment process

Not only does it provide a large network of hospitals under Cigna TTK health insurance hospital list but also the claim process is tussle free.

It has both the option of cashless claims and reimbursement claims.

In any way, company settles the bill of policyholder directly to the hospital, either be it planned hospitalization or emergency.

The process to apply for claim process can be obtained by signing up at Cigna TTK health insurance log in page in the website. Every policyholder has an account on the customer portal to manage their accounts.

Documents required for applying reimbursements

You have to carry the filled claim form along with signatures from concerned authorities at the hospital.

Other valid documents such as discharge summary, relevant reports, receipts, and prescription have to be attached with the claim form.

The claim processing review committee shall verify each of them and if approved will directly pay to the concerned person through cash or demand draft by the company.

Thursday, 15 December 2016

Try The New India Assurance Company For Buying Insurance Policies

New India Assurance Co. Ltd. is a company that has existed for more than nine decades. Now, it is a government owned company for general insurance products. It has received many prestigious awards, and it operates it has business in foreign countries as well.

The Overview Of Insurance Products

There are a number of insurance products available. The categories of these are personal insurance, commercial, industrial, liability and social insurance. And you can view the New India Assurance online website for complete details.

The personal insurance itself is an umbrella category that includes medical insurance for individuals and families, vehicle insurance and travel insurance. The insurance policies for personal items, home insurance, and maternity insurance are also a part of personal. You can check New India Assurance Mediclaim policy status online.

Commercial insurance section has a range of products for jewelers, bankers, common shopkeepers and more. The industrial category deals with the requirements of factories. Contractor, equipment, and fire are the kinds of things covered here.

Here are some particulars of the social insurance products

Plan name
Age limits
Janata Personal Accident Insurance
Injury or permanent disability from a direct accident 
Rupees 25 thousand to 1 lakh can be insured per person 
Ten years – 70 years
Jan ArogyaBima Policy
Just like a health insurance policy
Sum insured is fixed at 5 thousand

Five years – 70 years
Student Safety Insurance
Partial disability, loss of eyes or limbs and death
Issued in the name  of institution of students
All students

Why Buy New India Assurance?
Apart from being a government company, New India Assurance Review on every website is amazing. You can read a New India Assurance car insurance review for yourself.

The company offers lots of products that are not available from any privately owned insurance companies.  You can get direct links for New India Assurance policy document download on the website. Also, they have offices everywhere, and you can find agents to clear up all the details for you before buying.

Features And Benefits
·         Personal Money Insurance is a policy for protecting yourself against loss of cash, checks, demand drafts in transit
·         Mediclaim policy is available for individuals, family floater, and senior citizens
·         A unique benefit of new India Mediclaim is that they also cover Homeopathic and Ayurvedic treatments
·         You can get cashless treatment in government and select private hospitals; find the new India health insurance hospital list
·         Employers’ Liability, Carriers’ Liability, and Products Liability are some among the liability policies that are very helpful
·         You can get your new India health insurance Mediclaim premium quote through an agent

What Are The Inclusions?
For each policy, there are different inclusions. For example, if you buy Shopkeepers’ Policy, you can choose among different variants that cover damage to the building, burglary or loss of money.
All the inclusions are cited on the website. You can contact New India Assurance customer care if you have queries.

Just like inclusions, you can view the exclusions on the website.
For Family Floater Mediclaim policy, the exclusions are treatment outside India, pregnancy, dental treatment, etc. If you buy a plan for your car, wear, and tear, loss due to driving under the influence, and invalid license are excluded.

Documents Required
There are many documents that you will require during the claim and even while buying. You will be advised by the agents on what to submit.

Claim Process
There is no need to worry about the claim process. The only thing to remember is that you have to inform the company at the earliest by phone or email.

The steps needed for each policy claim is mentioned on the website. Read the ‘how to claim?’ section of Householders’ Policy to get a general idea. Or you can even read a comprehensive New India Assurance review for more information.

Wednesday, 23 November 2016

Apollo Health Insurance Plans

Apollo Munich Health Insurance Company is a trusted leader in the health industry realm. The company provides innovative solutions for the betterment of your health care. The company has designed an array of Apollo Health Insurance plans that are customized to meet needs of corporate houses, senior citizens, families and individuals. Its main focus lies in offering effective plus simple solutions for meeting all types of healthcare needs. There are various advantages of purchasing Apollo health insurance plans from Apollo Munich.

Benefits of Health Insurance Plans 

The insured has the option to select from an array of sum assured options that are available at affordable premiums, starting from Rs. 1 lakh to Rs. 15 lakh.
The best part is Apollo Health Insurance company offers cashless services to its policyholders at various multi-specialty hospitals.
Also, the company offers the advantage of portability, as per which, customers may wish to port their insurance plans from any other health insurance companies to this company Apollo Munich.
Expenses pertaining to pre and post hospitalization are reimbursed to customers.
Premiums under the Apollo Health Insurance plans do not fall under Section 80D of the Income Tax Act, 1961.
Also, the health insurance plans come with long-term insurance renewal benefit.
The insured gets to enjoy Restore Benefit if family members or customers finish the sum insured within the year. Whenever a new sickness is diagnosed, the company will willingly restore the whole amount. In relation to this, no charges  or paperwork is required.
If customers have a claim-free year, then in that case the basic sum assured will be increased by 50% with no additional charges. If the customer has a no-claim in the simultaneously year, then the basic sum assured will be enhanced by 100%.

Different Types of Apollo Health insurance plans

The different types of Apollo Health Insurance Plans are:

Apollo Munich Optima Restore- The unbelievable plan: The minimum age entry is 5 years and for newborn, it is 91 days provided the parent of the baby get an insurance. The maximum entry age is 65 years and maximum sum assured is Rs. 15,00,000. The waiting period is 3 years that can be reduced to 1 year. The renewability is lifetime and pre hospitalization expenses is up to 60 days and post is up to 180 days.
Apollo Munich Energy- For people with diabetes: Minimum entry age is 18 years and maximum entry age is 65 years. The minimum sum assured is Rs. 2,00,000 and maximum Rs. 10,00,00. The renewability period is lifetime and pre hospitalization expenses is 30 days and post is 60 days.
Apollo Munich Easy Health- For young family: The minimum entry age is same as Apollo Munich Optima Restore. The maximum entry age is 65 years. The minimum sum assured is Rs. 1,00,000 and the maximum sum assured is Rs. 50,00,000. The waiting period is 24 months for surgical procedures and another 36 months for pre existing diseases. The hospitalization is same as the others.
Apollo Munich Optima cash- A daily hospital cash plan: The minimum entry age is same like the other, and the maximum entry age is also the same. Minimum sum assured and maximum sum assured are not applicable. The waiting period is 48 months for any pre-existing disease that can be reduced The hospitalization expenses include cash amount that payable that is payable on completion of 24 hours.
Apollo Munich Maxima- a comprehensive plan that covers little illness: The maximum and minimum entry age is same as the others. The minimum sum assured is Rs. 3,00,000 and the maximum sum assured is Rs. 3,00,000. The waiting period and hospitalization expenses are the same as Apollo Munich Optima cash.

Thus, make your choice from any of these Apollo health insurance plans.

You may like to read : Most Rewarding Health Insurance Plans from Apollo

Wednesday, 26 October 2016

Max Bupa Health Insurance Benefits

This is a fact that the cost and price involved in purchasing healthcare policies these days is definitely high. Medical emergencies are seen to be approaching us at any point of time making us undergo the worse experiences of life thus leaving us broken and devastated. Health insurance policy is the savior which can help one stay safe and relieved without coming under any financial burden when emergencies come. But when it is emotional loss, unfortunately health insurance wont be able to provide any coverage. Health care policies are great supporters for them who face medical emergencies just like that and dependent on financial aids from othersfor survival.

Medical insurances

While talking about India, it is one of the fastest growing countries in economy and this happened because the earning potential of Indians have increased.
Although comparatively, Indian people are leading life in better state these days, but when it is about covering medical expenses, no one wants to shell out money in greatest measures.
Simultaneously based upon the relatives or asking help from friends at the time of emergencies would definitely not be a good idea. This is where health insurances come into picture.
Med-claims or Mediclaims are of great help during emergencies, these policies offer wonderful assistance not only to the policy holder but his entire family.
This however offers complete peace of mind to the family of the affected person. Expenses to treat even simple diseases are seen skyrocketing and during emergency almost everyone seeks to have best treatment.
This however leads to the situation where one is likely to exhaust all the savings and soon getting into financial crisis. Max Bupa Health Insurance is here providing remarkable coverage.

Health Insurance for Tax Benefits 

In order to propagate the health insurance idea, varying benefits are offered and one prominent benefit of having health insurance is enjoying tax benefits, under the section of 80D section.
The premiums you would be paying will have them deducted from annual Tax submission. So for tax savings, health insurance policies are great relief.
Health insurance policies are available in two major types, individual health policy and family policy. There are other policies which you may like to have like Mediclaim Policy  or Critical Illness Policy’.
The moment one is hospitalized Mediclaims help a lot, but the patient should not be having any preexisting medical condition. However India today is experiencing boom in health insurance industry. Hence it is really mandatory for us to decide the health insurance plan wisely and prudently.
Hence, it is really important for us to find out health insurance policy right after proper research.

Why Max Bupa

Max Bupa is known to offer one of the best health insurance policies which right away reimburse the cost of the entire medical treatment when the person is injured or down with deadly disease.
Max bupe helps in meeting hospitalization expenses so as to meet the day care treatments.
While referring to the key features of Max Bupa Health Insurance  one will find wide range of coverage ranging from 2 lacs to Rs.50 lacs.
When its about enrolment there is no age limit, the policy is meant to offer coverage to everyone even to senior citizens and newly born.
There is practically no requirement for policy renewal also no third party administration in order to process the claims. Max Bupa also offers child care and maternity benefits. With such facilities it is best to buy the health insurance right before it is too late.
Now there on the official website of Max Bupa everything is detailed, one needs not to ask anyone just go through the points and charts, case studies and things will be clear still if there is any query the online chat facility is provided.

Wednesday, 12 October 2016

Top General Insurance Companies Approved By IRDA in India

Insurance plans are now an integral part of our financial planning. By taking various insurance plans, we are insuring the happiness of your family. Apart from life insurance, there are general insurance or non-life insurance policies to protect your property from fire, theft, manmade crimes or natural calamities. Personal insurance policies are primarily required to cover accidents and medical expenses. Liability insurance is designed to cover legal liabilities and maintains your financial stability simultaneously.

Here we are going to take a look at some of the top rated general insurance providers approved by IRDA.

New India Assurance Company Limited
The company was founded by Sir Dorabjit Tata and incorporated in the year 1919. New India Assurance Company Limited is wholly owned by the government of India. It is the largest general insurance company of India in terms of the gross premium collection including the foreign operations. The company has a huge network of 1600+ offices across the country.

National Insurance Company Limited
National Insurance Company Limited was formed in 1906 but it was nationalized in 1972. It is one of the oldest general insurance providers of the country. Operated and regulated by Government of India, the company gained trust of million with their versatile range of general insurance plans. It is the only PSU in the area of non-life insurance companies. Impressive claim settlement rate of the company is the key factor behind their grand success.

Oriental Insurance
This general insurance company was founded in the year 1947. In its initial years, the Oriental Insurance Company Ltd. was a subsidiary of Life Insurance Corporation of India from 1956 to 1973. In 2003, the Government of India acquired 100% shares of the company from General Insurance Corporation of India. Oriental Insurance has a strong base all over India through a vast network of 1800+ offices and more than 14000 employees.

United India Insurance Co. Ltd.
The United India Insurance Co. Ltd. is solely owned by the Government of India. This company started its operation in 1938 and till date it is serving the country with its useful and effective general insurance plans. The company has more than 2046 operational branches scattered all over India. It offers faster and convenient claim processing because of its 18000+ employees. Thanks to its strong customer base all over Asia, it has gathered gross premium of approximately 9709 crores in the financial year 2013-2014.

Tata AIG General Insurance Company Ltd.
Founded in 2001, Tata AIG General Insurance Company has climbed up the ladder leaving behind many other companies. Key factor behind growth of the company is the wide range of innovative insurance policies. Recently Tata AIG General Insurance Company launched a strategic initiative called “Go Digital” that simplifies the process of policy sales, renewal and claim settlement.

L&T General Insurance
L&T General Insurance Company Limited commonly known as L&T Insurance operates under complete undertaking of Larsen & Toubro Limited. The Company was founded by two engineeres Soren Kristian Tuobro and Henning Holck-Larsen in 1938. Both of the founders were of Danish origin. It is the largest general insurance company in India in private sector. In 2009, the company was listed in the Forbes “World’s most Reputable Companies” and in 2012 it was awarded with Golden Peacock National Quality Award on leadership and quality governance.

Agricultural Insurance Company of India Ltd.
Founded in 2002, Agricultural Insurance Company is the largest crop insurer of India. It comes with several crop insurance policies that cover all major cereals, many annual commercial/horticulture crops and oilseed crops under the National Agricultural Insurance Scheme (NAIS). It also offers Weather Based Crop Insurance Scheme (WBCIS) as a part of government crop insurance scheme.

Tuesday, 4 October 2016

Reasons to choose Max Bupa for Health Insurance Plans

Your good health is the most prized possession that you can have and you must look to put your health over your wealth and other important possession. To help you on this facet, there are many companies that offer health insurance at affordable rates. One of the most suitable options for you in the market is Max Bupa Health Insurance which has made quite a name with its services.

The company offers different types of health insurance plans to meet the needs of each and every one of you. Bupa Health Insurance has various benefits that make it a go to plan for most of you and here are some of them which may help you to choose your health insurance wisely:

Flexi insurance plans:

One of the first things that stand out with the Max Bupa Health Insurance is that they offer with both long and short term cover for your needs. You can easily opt for the annual insurance plans or 2 & 3 year plans as well when you do not want to take the headache of renewing time and again. Max Bupa Premium Calculator also makes it easier for you to calculate the premium just in a matter of minutes which is very much liked by you guys.

No sub limit for rooms:

This is another very eye catching option which is there on offer from the Bupa Health insurance to make sure that you can get yourself or your family members admitted in any hospital without any kind of problems. You can make use of the Max Bupa Premium Calculator which will help you to know the added benefits that you will get for a very low premium amount. Most of the insurance companies have a threshold limit for the hospital accommodation which makes things a bit complicated and limits the option for you.

Online buying facility:

This is the other important thing with the health insurance plans as the Max Bupa Health Insurance makes it easier for you to buy insurance just in a few minutes on their website. The company offers one of the most user friendly and hassle free online portals to make sure that customers do not have to devote great amount of time in buying the insurance plans.

Max Bupa Premium Calculator is also available on the online portal which makes it quite easy for you to calculate the premium amount that you have to pay on your health insurance plan. It offers very unique way to calculate the premium and you just need to enter the details of the insurance over that you are looking to buy and Max Bupa Premium Calculator will help you with the premium amount in a matter of minutes. The portal is available for you 24*7 so that you can buy the insurance at any time of your own convenience. It has dedicated executives that are dedicated for the customer service round the clock and you can get in touch to get over any kind of confusion that you may have with the insurance cover.

Renewal bonus:

This is another very exciting feature of the Max Bupa Health Insurance Plan as you get high no claim bonus when you renew your health insurance with the company. Renewal of the health insurance is also very simple and can be done with the help of online means also. 

On the long term insurance plans, It offers you with some great discount which is actually 12.5% when you are buying the two year plans so that you have greater benefits when buying health insurance.