Friday, 28 April 2017

Cigna International Health Insurance Plans

Cigna Health Insurance plans are designed to meet needs of you and your family with comprehensive core covers along with the flexibility of additional modules so as to help customers benefit immensely from the plans. The company offers support for well being of customers with a varied range of international products. One thumb up to Cigna Health Insurance as the company gives you the scope to build your own plan by following a few procedures. 

Step 1: Start by determining your core plan- Silver, Gold and Platinum 

Step 2: Boost your plan protection with the various optional modules such as International Outpatient, International Health and Wellbeing, International Dental and Vision and International Medical Evacuation. 

Step 3: Talk to an expert who can guide you through the step-by-step processes to choose the best policy online. 

What are the different Cigna Health Insurance plans available?

Core cover- The Core Cover three types of essential that include Silver, Gold and Platinum. These policies are aimed towards covering for inpatient, accommodation costs and day case surgery. Plus, there are essential coverage provided for mental health care and cancer. On the other hand, Gold and Platinum plans offer coverage for inpatient and daypatient maternity care. 

International Outpatient cover- This offers coverage for medical emergency and outpatient care that may erupt in situations when any hospital admission as inpatient or daypatient is not necessary. In addition to these, the cover also includes prescribed outpatient dressings and drugs, medical and specialist practitioners, pre-natal outpatient care and post-natal outpatient care, chiropractic, osteopathy, physiotherapy, etc. 

International Medical Insurance- This type of insurance provides essential coverage for day patient, inpatient and accommodation costs along with coverage for mental health care, cancer, etc. The Platinum and Gold plans under the policy extend coverage for daypatient and inpatient maternity care. 

International Vision and Dental- This health insurance policy helps to reimburse for the beneficiary’s eye examination and reimburse for the costs of lenses and spectacles. The policy offers coverage for routine, preventive, and other mental treatments. 

International Health and Wellbeing- This type of health insurance policy provides coverage for examinations, tests, screening and counselling and also supports a great range of life crisis. Under the policy, customers are offered specially tailored support and advice through health risk assessment, online health education, etc. 

International Medical Evacuation- Under the health insurance policy, it provides coverage for the transportation costs that is incurred for taking a trip to the nearest medical centre in case the treatment required at the time is not available within your locality. The policy includes repatriation coverage, enabling the beneficiary to their country of nationality or habitual residence so as to be treated in a familiar location. The health insurance policy includes compassionate visits for partner, parents, siblings, child visit post any accident or any kind of sudden illness. Also, the beneficiary is entitled to receive the coverage if he has not been repatriated or evacuated. 

Go through the Cigna International Health Insurance plans and then buy the one that meet your demands.

Friday, 21 April 2017

Bajaj Allianz Car Insurance Renewal Process

Car insurance has become a necessity due to the great number of road accidents that take place on the streets of India. It has been made compulsory in many states. A car owner is expected to have insurance for his vehicle. Bajaj Allianz is one of the leading insurance companies of India.

Why Bajaj Allianz Car Insurance Renewal?

Bajaj Allianz carinsurance renewal is available not only for private cars but also for commercial vehicles. A car insurance document is the most essential of vehicles as it protects the policyholder against financial loss and legal issues. There are a variety of plans that are offered by Bajaj Allianz that take care protect a person against physical injury, bodily death/injury and cover against third-party liability. This brings security and peace to the policyholder.

In addition to providing a number of different plans, the claims process provided by the insurance company is also very fast.

Key Benefits of Bajaj Allianz Car Insurance Renewal

The company has made it’s mark in the insurance providing industry as it gives it’s customers a little extra benefit than other insurance companies. Some of the benefits advantages that they give are:-

l  The company has a specialty in serving claims as fast as possible.
l  The plan covers both third party liability as well as own damage liability under the same plan, a number of other options are also available from customers.
l  Cashless claims settlements are done across fifteen hundred workshops. If the cashless claim is not an option then the company recompenses seventy five percent on account of payment.
l  The insurance plans can be bought both online as well as from a the company itself.
l  The company provides 24*7 emergency assistance for all it’s customers.
l  No claim bonus given up to 50%.
l  Private as well as commercial cars are insured under this policy.
l  Towing facilities available.
l  New as well as old customers can avail lock and key replacement cover.
l  Add-on covers comprises of conveyance benefit, accident shield, and consumable expenses adding increased protection to the customer.

Coverage and benefits
Third Party Coverage:
Up to 7.5 L
Incurred claim ratio:
Personal Accident Insurance:
Network Garages:
4000+ network garages
No Claim Bonus:
Up to 50% of existing policy

Applying for Bajaj Allianz Car Insurance Renewal Plans

There are various ways in which a person can apply for Bajaj Allianz car insurance renewal plan. The policy can be filled on the company website where an individual need to fill up a form and request for a call back from the company. Buying the car insurance policy online through other insurance sites are also possible. Bajaj Allianz car insurance renewal can also be bought through branches of the company or through agents.

Calculating Premium for Bajaj Allianz Car Insurance Renewal

As a person applies for the car insurance, the policy premium is decided upon the type of car that the policyholder has. The cars are divided into three categories - namely A, B and C.

‘A’ type of cars are the cars that are bought newly and are the slightly expensive sort of cars. The premium for cars such as a newly bought BMW model 1 series car is about Rs. 57,371 for an insured declared value of Rs. 18.81 lakhs.

‘B’ type cars are the second-hand cars that a policyholder has bought. Cars such as a Chevrolet Cruze 2.00 Ltr, with a registration dating back to 3 years ago will have an estimated premium of Rs. 16, 389 at an insured declared value of Rs. 564, 470.

‘C’ type of cars are those that a policyholder buys as a gift for another person such as a Honda Amaze. The premium for this sort of car is Rs. 16,863 for an insured declared value of Rs. 498,556.

Premium calculator for Bajaj Allianz car insurance renewal:

Type of vehicle
Insured Declared Value
BMW Series 1
Chevrolet Cruze 2.00 Ltr.
Honda Amaze

Claims Process For Bajaj Allianz Car Insurance Renewal

The Bajaj Allianz car insurance renewal claims process can be completed in three easy steps.

Firstly, the policyholder needs to register their claim request with the company. This can be done through calling the company. After registering the claim, the policyholder will be given a claim reference number that they have to keep in mind for future references.

The car is then sent for repair at one of the authorized workshops by the insurance company. The car is surveyed in the workshop and an estimate of the damage repair is given to the company. The company then goes ahead with repairing the vehicle. The only money that the policyholder has to pay is the difference in amount of the claim.

Wednesday, 12 April 2017

What are the Benefits of Oriental Health Insurance?

Oriental Health Insurance Co. Ltd. was established in the year 1947. It is serving its customers and constantly attracting new and different customers. This private insurance company offers various types of general insurance products that protect the customers against different types of unfortunate events.

Health insurance plans offer coverage against extra expenses incurred due to medical emergency. Oriental health insurance plan are comprehensive in nature, along with the hospitalization bill and coverage for day care procedure it also offers free health check-up, ambulance expenses and much more.

Check out the benefits of a Oriental Health Insurance plan below:

·         Hospitalisation expenses are covered under health policy offered by Oriental Insurance.
·         It covers the expenses incurred due to room expenses up to 1% of sum assured,
·         ICU expenses are also covered up to 2% of sum assured.
·         Expenses incurred due to Surgeon, Doctor Consultant, Anaesthesia, Blood Oxygen, OT, Surgical, Medicines, Drugs, Radio/Chemotherapy, Prosthetic limbs or devices, Pacemaker, Laboratory Tests, Diagnostic Tests, X-Ray, etc.
·         This policy also covers ambulance charges up to 1% of the sum assured.
·         It covers Organ donor hospitalisation expenses.
·         Oriental insurance health plan covers cost of Domiciliary Treatment, for a period of 3 days, provided at home
·         This policy also provides pre-hospitalisation expenses for 30 days before the hospitalization. It also offers post-hospitalisation expenses up to 60 days.
·         It covers pre-existing diseases after completion of a 4 year waiting period

Benefits Offered Under Oriental Individual Health Insurance Plan
Sum Assured Option

·         Rs.2 lakhs to Rs.5 lakhs, in increments of Rs.50, 000.
·         Rs.50, 000 to Rs.2 lakhs, in increments of Rs.25, 000.
             Hospitalisation expenses are covered
·         It also covers expenses incurred due to hospitalization for less than 24 hours when new methods of treatment are used. This is also known as day care treatments.
·         Room expenses and nursing charges up to 1% of sum assured
·         ICU expenses up to 2% of sum assured.
·         Expenses incurred due to following: Surgeon, Doctor, Consultant, Specialist Charges, Anaesthetist, Anaesthesia, Blood Oxygen, Surgical, OT and Diagnostic equipment, Drugs, Medicines, Dialysis, Chemotherapy/ Radio, Pacemaker, Laboratory Tests, X-Ray, Diagnostic Tests and other important necessities.
·          Ambulance charges 1% of the sum assured.
·         Organ donor hospitalisation expenses, but it does not cover the expense of organ
·         Over 25 day care procedures.
·         Domiciliary Hospitalisation: Treatment, for a period beyond 3 days, provided at home in lieu of hospitalisation due to lack of space at the hospital or inability to transfer the insured person to a hospital.
·         Pre-hospitalisation expenses: Up to 30 days.
·         Post-hospitalisation expenses: Up to 60 days.
·         Pre-existing diseases: After completion of a 4 year waiting period from policy inception.

Oriental insurance company provides some amazing coverage under its health insurance policy. You can also compare between its different policies according to your requirements. It provides online services which allow the customers to compare different and find a best suited plan from the market. It also allows the customers to buy or renew the existing policy online within a matter of a few minutes. For further assistance you can contact the customer care of Oriental Insurance Company or you can also take help from an insurance agent or broker.

Friday, 7 April 2017

Check out the best health insurance plans from Max Bupa

Owing to undisciplined lifestyle, human beings have become more prone to difficult medical conditions and because of this it is very important to safeguard your life with a comprehensive health insurance plan. Consider Max Bupa Health Insurance plans as the company aims at developing the finest and best health insurance plans that are designed to meet all types of needs of customers. The company is well-known for its exclusive expertise in clinical research, hospitals and life insurance, etc.

What are the different types of Max Bupa Health Insurance plans?

The list includes:

Heartbeat Insurance Policy for Individual
Health Companion Family First
Health Companion Individual
Heartbeat Family First Insurance Policy
Critical Illness Health Assurance Insurance Policy
Hospital Cash Health Assurance Insurance Policy
Health Companion Family Floater Policy
Personal Accident Health Assurance Insurance Policy

The above list show the best health insurance plans among other plans and policies sold in the market. Here, is a description of each policy.

Heartbeat Insurance Policy for Individual

it ensures coverage for two years persistently and also avail a discount,

cashless benefit within four hours at any of the network hospitals falling under this plan

the policy also covers newborn baby by default but there is no additional premium is required until the next renewal time

The policy offers maternity benefits for up to two babies. Remember, this is possible only if both partners are covered for two years under the policy

The policy extends coverage for medical expenses only if the insured family members are admitted to hospitals for treatment

The policy also reimburses medical charges that are incurred because of illness. Make sure that the tenure of treatment is 30 days pre hospitalization and 60 days post hospitalization once you get discharged

Health Companion Family First 

It covers all medical expenses incurred for family members hospitalized for treatments

The policy extends all day care treatments

The policy ensures coverage for hospital expenses that include capping of the charges, room rent charges, etc.

Under this insurance policy, all medical expenses incurred are compensated. However, make sure that the tenure of treatment should be 30 days pre hospitalization and 60 days post hospitalization

If you take 2 years policy, then under the plan, one can enjoy 12.5% discount on the second year premium

Any types of cashless hospitalization facility is available at one of the nearest hospitals

Health Companion Individual

The policy gives coverage of all kinds of hospital expenses including capping of charges, room rent charges, etc

Cashless facility at any of the network hospitals

All medical charges incurred due various medical conditions should be reimbursed

If insured family members are hospitalised then Max Bupa extends coverage for all medical expenses

Health Assurance Insurance Plan 

Under the plan, the insured is compensated with a lump sum amount if the person is diagnosed with critical illness and if he manages to survive 30 days post diagnosis

The policy offers direct claim settlement

Under the policy, the types of diseases covered include cancer, bacteria meningitis, first heart attack, major organ transplant, speech loss, permanent paralysis, stroke, deafness, bypass surgery, permanent paralysis of limbs, etc.

This articles explains the features of a few Max Bupa health insurance plans among many, Di research online to learn in details about the features of each plan and how you can benefit from them.