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Investment
Planning
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Retirement
Planning
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Insurance
Planning
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Tax
Planning
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Regular
Income Planning
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Wealth
Creation
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Cash
Flow Planning
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NRI
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Other
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While the risk of the life of the breadwinner of the family
is taken care of by the “life insurance policy” rest of the
risks like accident, illness, fire etc. are taken care of by
the “general insurance policies.” In the age of high medical
costs, health insurance schemes stand out as a good option from
the general insurance bouquet. Discussed below are two health
insurance schemes worth considering…
» Age
from 91 days to 75 years. persons above the age of 55 yearsare
covered as a part of family and not on individual basis.
» All
in hospitalization expenses (period of stay in hospital should
be more than 24hours).
» Pre
hospitalization expenses are covered for a period of 30 days
& post hospitalization for 60 days.
» Cummalative
bonus of 15% to your sum assured for every claims free year.
» Pre
existing illness and injuries are covered in the 6th year
of cover, if the insured renews his policy consecutively for
5 years.
» 10%
discount on total amount payable in case of insurance of 3
or more family members.
» Maternity
treatment charges are covered upto the extent of Rs 20,000.
these include expenses incurred in hospital/ nursing homes
as
in -patient in India.
» Income
tax exemption on premium paid unto Rs 10,000 under sec 80d
of income tax act.
» Age
from 5 to 55 years(last Birthday) . Children below
5 years can be insured if the parents are concurrently insured
with the company.
» Cashless
Facility: You have access to cashless facility across various
hospitals across India (subject to exclusions & conditions).
» Cummalative
bonus of 5% to your sum assured for every claims free year
» Waiver
of pre existing diseases: Pre existing illness and injuries
are covered in the year of cover, if the insured renews his
policy consecutively for 5 years.
» Family
discount of 5% applicable.
» Income
tax exemption on premium paid unto Rs 10,000 under sec 80D
of income tax act.
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