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SUDHIR SARNOBAT
Who should you buy your health cover from?Some life insurers also sell health insurance policies, both indemnity and fixed benefit covers, the latter being more commonly offered.- Filing mediclaim? Here's what you should doThough the guidelines gives a detailed claim-process description and set formats for all types of claim forms, the documentation process is...
- Should you buy health cover for OPD expenses?A health corpus built through investments provides more flexibility, but don't forget that there are some tax implications.
- Choose health plans with real value wellness add-ons, avoid frillsAs more health insurance products roll out preventive healthcare programmes, it's time to assess whether they qualify as differentiating fa...
- International student travel insurance: Know what's covered & what's excludedHealth and accidental death or disability covers form the most critical components of an overseas students' insurance package.
- Why you should not avoid pre-policy medical check-upsMedical check-ups are seen as hurdles by insurance seekers but avoiding these check-ups can lead to disputes at the time of claim.
- Budget 2015: Avoid enhancing health cover solely to exhaust the new limitA top-up cover kicks in only after your base cover is exhausted and hence is cheaper than an independent product.
- Budget 2015: Health insurance tax exemption hiked to Rs 25,000Health insurance premiums up to Rs 25,000 will be subject to tax deductions, from Rs 15,000 earlier. For senior citizens the limit is incre...
- Natural disasters are beyond your control, better be insuredDisasters like the one in Jammu & Kashmir lead to tremendous loss of lives, leaving the bread earner's dependants financially vulnerable.
- Top-up schemes can help you enhance medical coverExperts say such plans ensure a higher sum insured at a cheaper rate. They, however, warn that one must go through the fine print to make t...
- Insurance for overseas trips - Health covers with global reach have limited useAccording to experts, travel insurance can take care of emergencies during overseas trips, but a planned treatment for defined critical ill...
- Here's how you can reduce your health premium outgoDiscounts for Women Life insurance firms have been offering lower premiums to women, but it is not a common practice in the health insuranc...
- Smaller cities may be a healthy choice to cut your hospital billsPolicyholders can opt for hospitals of their choice, except when they are availing cashless claim settlement, where the list of hospitals i...
- Buying a separate cover for self and family is a healthy policyInsurance analysts say that office healthcare cover may prove to be inadequate as treatment costs go sky high and insurance benefits are cu...
- Buy a basic accident cover first, then shop for add-onsPersonal accident insurance plans come into the picture when one meets with an accident. Such policies cover accidental death, permanent to...
- Think before opting for niche insurance plans; focused policies work well as add-ons to existing onesInsurers have started offering a wide range of specialised products, giving a wider choice for customers but they have made the selection d...
- Family floaters may be cheap, but are not always enoughAccording to insurance experts, these individuals are taking a calculated risk as they assume that all members of the family may not requir...
- A standalone OPD health plan? Not too soon, say insurersAccording to a report compiled by Swiss Re, 75% of medical spending in India is out-of-pocket. One of the reasons is, low penetration of he...
- Now gift your live-in partner a mediclaimMumbai-based IT services firm iGATE Patni allowed its employees to include their live-in partners for health insurance benefits.
- Whose health policy suits you better, life insurance cos or general insurersA host of non-life and life cos offer health cover to individuals. While non-life cos dominate the health space, this does not mean that th...
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