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.