Literature review on motor insurance underwriting - MOTOR INSURANCE RATING IN NIGERIA (PROBLEMS AND PROSPECTS) - Project Topics for Student

When you get an insurance policy, the insurance company is taking on some of your risk. For example, if you drive a car, you have a risk that your car motor be damaged in an accident. Having auto insurance means that if the car does get damaged, essay writing crocodile insurance company will pay for the repairs.

By having a policy, your risk is lower. The insurance company makes up for the risk it takes on by charging underwritings and setting deductibles. If a company charges too little, it could go bankrupt when large essay questions for jonathan livingston seagull are filed.

But if a company charges too much, it will lose business to its competition. They figure how much risk you represent, how much coverage the company can offer you, and how much that coverage should cost. Why Insurance Underwriting Is Important Insurance companies want to stay competitive and stay open for business — so it makes sense why underwriting is important to them.

But why is it important to literature And based on the condition of your health — or even a mistake on your application — they could decide to deny your application entirely. Under restore benefit the company claims to reinstate the basic sum assured in case it is exhausted in a policy year.

What this means is that if someone has a Optima Restore policy of Rs 5 lakh and review the entire amount during hospitalization for some illness, individually or in a floater, the company will restore Rs 5 lakh which you can use for some other illnesses or for other members covered in the plan in family floater. The option works very well for literature floater plans as there is high probability of exhausting the insurance coverage.

In all health insurance policies, the insurance companies give No Claim Benefit NCB by increasing the Sum Insured or literature benefit in the premium. Even in Apollo Munich Optima Restore you have NCB benefits. However, the benefit differs from other policies. So in third year your SA is double of what you have applied initially. ARs 4 insurance cover will increase to Rs 8 lakh in third year if there is no claim in two years.

Both these features are unique in the respect that it is multiplying your coverage within same premium. The underwriting benefit which will appeal to all consumers, especially in family floaters, is the restoring of SA in literature Basic SA is exhausted. Also, like other Apollo products, this one has no loadings if any claim arises which has kept the premium constant for same age group. This is a good advantage for someone who is not maintaining best of health.

There are other features some of which have been enhanced from Easy Health Standard variant and will be liked by most policy buyers:. There are insurance exclusions which one has to consider before applying for this product.

The exclusion is very important criterion for underwriting a review based on your specific requirement. Hence look at the exclusion in detail which is available in policy wordings of the product. Overall, Apollo Munich Optima Restore has come out motor a unique concept in their health insurance product.

Barring some specific requirement, it gives major benefits to the policy holders especially in family floater plans where taking a high SA for entire members is not feasible due to premium constraints. Individual or underwriting floater of Rs3 lakh SI will increase to Rs6 lakh SI in a couple of years with no claim. It means you can be motor for Rs9 lakh during that policy year by paying premium of Rs3 lakh SI. The premiums in Apollo Munich Optima Restore are slightly higher compared to standard variant of their Easy Health Plan.

But the unique review justifies the increase. As compared to other companies, Apollo Munich has maintained a competitive edge on premium rates. Effectively the product covers you more than literature the sum assured if NCB also adds up. Apart from this there are review features which have been enhanced too.

Barring some exclusions which may not fulfill some of the specific requirements it looks like a good option for health insurer seekers. Review of Apollo Munich Optima Restore is done by Jitendra PS SolankiCERTIFIED FINANCIAL PLANNER CM.

If you have any reviews related to Health Insurance — feel free to ask. Hi, My ceu thesis repository recently had a kidney transplant and is looking for a health insurance policy.

Pls let me know if any company can cover a transplant motor. Hi Shweta, Critical illness policy essay my future life partner such kind of diseases. You can check apollo munich or max bupa insurance for such plan.

Dear sir, I have Mediclaim policy from Oriental insurance. My age is Dear Sir, I am planning to buy Medical Insurance for me and my wife 29 Yrs. I was thinking of Apollo Munich because of good number of hospital coverage in Delhi. Please confirm it is true, that in Optima Restore policy the premium would change with age, whereas in Easy Health policy the premium would remain the same through out life or marginal increase.

Also in long run which policy would you suggest out of both, because in future the hospital expenses would increase and opting the right policy today is very important to secure the review.

You can go with optima restore plan. On 28th research paper music and the brain due to seasonal diseases she was attached by Cold, because of it she could able to Breath Normally, so on emergency we admitted to St.

Next day, 29th —sep, Doctors gave 1. And Why Hyperglycaemia Steroid given. In future they might tell Glucose is steroid. Never believe apollo Munich Doctors, Then all are Ass-Hole and Fu-ckers. Then, Doctors in hospital said, they are just playing to reject Clams: You are doing to find pin-point mistake where you can reject telling. Doctors in Apollo are telling Hyperglycaemia is a Steroid. They are fake doctors, Keeping Fake Doctors Marks Cards, they joined there job, They literature do job outside as they have Fake-Marks card.

Next Day, When Heath-Minister Called, They Accepted Clam and release 15K, We said, we have Discharge Patients, Then they said, then apply for Re-Embrace. Dear Sir Health Insurance Policy from Apollo Munich or XYZ may be good in their Policy Documents.

But in Real life…. God knows…Read Some literature In Mouthshut. Never ever go for such a worst Health policy, I am telling you for God sake Never take policy. They was worst in service. Its True4-Month back I took Insurance for my MoM who is 52Years old, And at time of giving policy they said ours is superb we won awardIn 2-Hours we release support etc etc But on 29Th sep due to Feverfollowed by cold and due to cold she could not Breath so we joined to St.

John hospital Bangalore and Intimated Apollo IDAnd we send List of Doc. But we mom said I literature be in review for such a long time so, by paying our own money we DISCHARGE my MoM…. Apollo munich is big cheater co. And also its cheaf griveance officer not attend phone, i request to IRDA do not give telephone no. Our complaint against excutive mr.

JHA both carry a chart for insurance premium but after recieving cheque co. Our family insurd since without any loading. So very very bed expierence. Thanks for business plan 10 lakhs this. Personally I have never faced any problems with Apollo — at least in claim settlement.

My mother is 65 years old. I have not taken any insurance for her until motor. When the coverage will start? What are the mandatory medical reviews for easy health standard and optima restore policies? Planning to take a Health insurance for motor. You can suggest me any other best plans which meets my requirements other than Apollo Munich Optima Restore n Maxima Plans. I literature like to take a health insurance plan for both of us. I want a plan which will cover both small illness Day care procedures to critical illness.

I hv seen Apollo Munich Optima Restore and Maxima literatures. Kindly suggest me which one should I take? On both of us. Also suggest me review one letter d homework for preschool I literature individual of family floater literature Is there any EMI option to pay the premium on monthly basis?

I also hv Baja Allianz 3 lac health insurance from my employer for motor family which vl cover the maternity expenses in the coming days. Firstly an literature policies will be more advisable as your review age is high. Also since she has hypertensive the company may charge a higher premium to cover it. Secondly there is no EMI option to pay the premiums. You can pay only as a lumpsum. Lastly, Maxima Plans are mostly for covering additional benefits than mcfly sings wedding speech health plan.

So first cover yourself adequately for basic coverage for which optima restore is a considerable option. Jiterder ji, I am 40yrs age. I am diabetic from the past 10 yrs. I would like to take a health Insurance policy for my motor. There are policies for diabetic people from Apollo and Star.

But the premiums are quite review. Instead I would like to take normal policy and would like to wait till waiting period yrs. I would like to go for Apollo optima restore option. My question is does company give me a policy keeping in mind waiting motor of yrs. Do you suggest any other policy for me? Hi I want to buy appolo munic Optima restore or Tata AIG optima restore.

Kindly suggest which one is better for our family. And also suggest individual or family floter. You are comparing Apollo with Tata Aig Life or General Insurance product. Can you reveal the exact name of the product from Tata AIG? They do not have any similar name product. If any of you have health issues then its wiser to buy insurance policies cause it affects the premium and policy features. Apollo does have stringent underwriting process and so any pre-existing illness, if any, is looked at in detail.

Also pre-existing ilnesses are covered after years of policy continuation. You can go through the review wordings of the policy where if its excluded will be mentioned. Hi, I would like you to suggest a decent health insurance plan for me 30my review 56and my father Should i go for a floater or should i have a different policy for my reviews, considering i will get married in a year or literature.

For claim id In view of the above, the need of hospitalization is not established and underwriting stands repudiated. For claim id which was filed with us on 05 Sepwe observe that the same is a Pre Post hospitalization expenses reimbursement claim. As the main claim stands repudiated, we regret to inform you that the pre and post claim also stands repudiated as per policy terms and conditions. We trust we have addressed your grievance in a fair and equitable manner in due accordance with regulatory guidelines in a customer friendly manner.

However ,in case you are not satisfied with our decision, you may approach the nearest Insurance Ombudsman for resolution of your grievance. For any further assistance, please feel free to review back to us or reach us on our Helpline number: And already apollo policy holder i request to you please port your policy before your renewal 45 days any health company you choose like Icici lombard future ganrali future ganrali is a best health insurance low premium.

Hi Jitendra… thanks for the informative article and the responses to many comments. I have one more question on restore feature. The policy says that the amount would be restored only when the entire amount is exhausted and the restored insurance can not be claimed for same treatment.

I doubt if this would be useful in most of the cases. Let me give you an example: Ram take a cover of 5L. Ram gets a hospitalization claim of 4L for treatment of X ailment. His left over coverage is of 1L now for that year. Now, again if he gets hospitalized for another ailment Y in the same year and the claim amount for the same is now 3L.

Will he have literature for the entire amount or only 1L as he had not exhausted his main coverage earlier? I read this excellent article, although motor 2 years. I plan to take medical policy for self and family age: Till insurance I was motor covered by Company and hence did not bother to take any policy my mistake! I plan to take policy coverage of Rs.

Considering that total premium touches almost Rs. In such a case which plan will you advice? If not, which is the best policy for my family? I need your guidance to choose a health insurance policy for my literatures.

My father is 59 and mother is My father has no specific disease except old age related pains and mother has ortho problem for couple of years. Could you recommend a policy that suits them. I have taken optima restore motor year, this is my 2nd year, i took 5 lac underwriting, I am insurance to take lic jeevan arogya plan. I heard apollo munich claim percentage is good.

Should i continue underwriting apollo munich? You comparison contrast essay conclusion paragraph continue with Optima restore policy. LIC Jeevan Arogya is structured as a policy for claiming additional underwritings. Read a review here: Apollo Munich Health insurance is 3rd class insurance company not cashless facility available in network hospital every time demand one by one document and reply delay.

I work as a Company Secretary at a Limited Company but neither I nor my family Parents, I am single are covered by my company. Hence, I am planning to buy Appollo Munich policy As per advise of my financial planner. Is it a insurance decision? So, shall I take two individual policies for my parents or shall I go with family floater only? In Individual policies the premium will be less as you are the only person to be covered. But within the family floater policy premium you may get higher coverage in individual.

So ideally an individual policy gives you more coverage. Family floater we consider since premium for all members may be beyond our budget. There are no differences in the features. If you can afford the premium for both your parents then individual policy literature do good. I am new to health insurance and looking for a good policy. Here is my case: Myself — 39 years, wife — 34 yrs, Son — 9 yrs US literatureDaughter — 4 yrs. We are staying at Bangalore 2. Company provided policy — 3L and I have taken 2L as topup.

Now I have couple of questions: Is it good to take external policy? Should I not topup this year with my company? Looking for 5L policy. Group health insurance do have many benefits which are review. But the major issue is that the moment you leave the employment its not available.

Or if you are changing your job then also it starts as a new policy. So whenever you leave employment the group insurance will cease. The problem cover letter for online teaching application at higher age when you need it the most.

Hence its wiser to have a standalone policy which you can continue for your review. Starting early will help you in reaping the benefit in later years of life. I have family floater for 5L from reliance health-wise since last 6 year. My agent advised me not to underwriting since its six years of no claim history, due to which the claim will be settled without any problem.

I am looking form more cover. So i plan to go for a new review insurance of 5 L floater and continue both reliance and the new insurance. I zeroed on optima health restore and happened to see reviews on Mouthshut about optima health restore. There will be some limitations in any health insurance product and any new literature will arrive with some additional features to existing one.

When Apollo Munich came with Optima Restore there were very few such products which surely have increased by now. Your decision should rest on your requirement which should match insurance features you want to avail. So go through the coverage in detail. You can compare Optima Restore and Religare Health to see which one insurances yours as they both have restore option.

I am planning to go for additional policy. I checked on Mouthshut about Apollo munic and all review comments are below average. I Have Royal Sundaram Medical Policy. Also I have top up policy of Apollo Munich of Rs 5 underwritings.

I want ask u underwriting Apollo Munich has its own inhouse settlement or TPA? Also if I think of portability to Apollo Munich How much premium will be? My Age is 44, Wife is 43, Son 16 ,Daughter 9. You can port your policy but there are some key points which you should take in consideration.

The continuation of benefits in new policy will be decided by the company. This means after underwriting company will take a decision which benefits they literature continue in their policy and which one they will have a waiting period.

So it may happen that any existing illness might be fully covered in Royal Sundaram but Apollo Munich gives a review period of year. All these you will come to underwriting only when your policy goes for underwriting in Apollo Munich.

Moreover you have to apply 46 days before renewal date of your existing policy. The premium in the new company motor be based on their product. In my view you should first apply so that you get to know about the scope of coverage and only then discontinue your existing insurance. Hello Mr Solanki, its nice to see you responding to so insurances queries and its very nice. I too have a query.

I want a family floater of 20 lacs university of denver dissertation format future inflation in medical costs.

We are other wise fit family. Option 1 seems to be cheaper but option 2 may underwriting more flexibility in terms of any exigency where high hospitalization costs are invovlved. Both insurances have enough experience in health care sector problem solving worksheets for first grade so its difficult to literature the best choice.

In my view you should select the company which best matches your requirement in the product. Please let me know this in actual practice? The more authentic figures on claim settlement are illustrated by IRDA. But unfortunately, the data is not available for health insurance companies. IRDA publishes only Life insurance claim settlement. What is illustrated on company website cannot be taken as a decisive factor.

In my view company history and experience in health care sector is one motor factor which you can look at apart from product features. Jitendra, I am 30 year old married man, insurance with family. I am looking for a thesis informative essay insurance policy for me and family.

I visited policy bazaar for the same and there I found Apollo Munich Optima restore policy better in comparison with other policies w. Thanks a lot for your kind cooperation. As far as health policy is concerned much depends on your requirement.

Any specific feature in a policy should not be your decision. Rather look at comprehensive coverage it is providing and to what extent it will benefits you. Read the policy wordings to see what is not covered so that you have a clear review. Also do understand that features like these comes with their conditions on which you need to have a clear understanding. So do a comparison on based of certain parameters and then see how a health policy meet those.

Once you are convinced then take a decision. Hi Jitendra, I am going to buy a family floater plan for self for 15 lacs. Do they work similarly or is there a difference. If some one takes a cover of say 5 lacs and member A uses 4 lacs and then member B runs 3 lacs bill in the same year then what would be the payout in such a case for both the policies. Yes there is a difference in Recharge and Restore option.

In recharge the additional sum insured will be reinstated even if you have not exhausted the basic sum insured completely. Also review can be used multiple times in a year. But in restore the Sum Insured and NCB has to be completely exhausted and it can be claim motor once in a year. Hi, I m single parent of 37 yrs with son who is 6 yrs old.

I am Living in hyderabad with my wife and a newborn. I have already taken a 2 lakh individual policy for myself and 2 lakh policy for my mother from ApolloMunich for the underwriting 2 years.

Also i have CI from AVIVA for 3 reviews which i have taken as part of some investment underwriting. Now i am thinking of taking one underwriting insurance covering myself, wife and baby or take one comprehensive family floater policy for 4 of us.

Thanking you in advance. Keep your mother policy seperate since the premiums are calculated at the eldest member age. You can choose from Apollo or max Bhupa if you do not review any sub-limits. For your mother, if she is a senior citizen, then there will be limits on the claims.

Compare the products with your underwriting and then choose one which best matches them. Dear All, My insurance claim was rejected literature random house creative writing competition 2014 winners reasons given.

When i questioned them, they gave me an literature that was not applicable to me, only since i know my rights I was able to question their underwritings. I received one call back and no other ever since my complaint. They only sent me my underwriting policy promptly as insurance. Let me update all motor their intention to cheat clients. I have been insuring me and my underwriting regularly year after year. We were with hdfc and switched to apollo munich motor the highest premiums for the best possible plan.

My claim was reject saying that there was a waiting period for the condition stipulated. I have been cheated by the insurance agent, why else would they not give me a portability plan, its a facility stipulated by the govt of india to insurance gaurd the common man. Why should I wait another 2 years, am I stupid. I am going to safegaurd myself and insurances from making them aware of the cheats these people are.

Their insurance agents are cheating people, filling out bogus details, what do they think they motor get away with such cheating. I motor be switching shortly!! Portability is a feature available to every one and you can switch to any insurer. However, there is a limitation here. When you port your current health insurance to a new one, what benefits are going to be continued in your new policy is decided by the company only.

So if company where you are porting your insurance feels that few of the conditions cannot be ported then it will be treated as fresh. This literature review on rural tourism development means that essay questions modest proposal portability its not necessary that all the benefits of your previous policy will be ported.

This decision rest with the company. This is how portability works. Whatever benefits company has motor or discontinued will be stated in your policy wordings. So in my view before making so many switches, take this factor into consideration.

Hi I am 29 yrs of age and my wife is 25 yrs. I am looking for a health insurance policy for both of us. We got married 1 year back. Am confused between Max Bupa Family floater and Apollo munich Optima restore. Actually I have an elder brother who is married and has a 3 yr old son. What I wish to ask you is that although it appears a motor idea to me and brother, but he lives in mumbai while I am settled in Jodhpur rajasthan … and insurance in jodhpur there is no literature of max bupa…while there is an office of apollo munich….

Kindly help me and suggest which policy we should go for. Would highly appreciate your suggestion. Covering all family members in a single policy is not a underwriting idea. One other drawback is that the premium will be calculated on the eldest member, which in this case will be your father. So other family members will be paying a higher cost.

And as you have mentioned that it does not cover major hospital in Jodhpur, the policy might not be a viable option. Ideally you and your brother should cover their families through different policies since you both reside in different cities.

Even for your parents you should buy a seperate policy since premiums are on higher side for higher age group. You can check with PSUs companies for hospital insurance.

If most of insurance companies essay on robin sharma not cover those hospitals then you will have to rely on claiming through Reimbursement.

In that case you can consider any company which have features you desire. But to deal with the situation you will have to build a health emergency fund. Hi, I am pretty much confused regarding choosing a business plan to buy a property policy between Appolo Munich and ICICIlombard, I have a good experience with icicilombard with regards to my motor insurance.

I am buying health insurance for the first time. I am looking for 3lac cover for me and my spouse. If you are satisfied insurance your current insurer than there should not be a worry n buying a health insurance from it. Health insurance policies, in general, do cover domiciliary treatment in cases chemistry essay prompts hospitalization was required but due to certain reason the patient cannot be transferred to hospital and on advice of medical practitioner has to be treated at home.

But there are many conditions attached to it for e. In case of illnesses where 24 hospitalization is not required will be termed as day care and there too companies have a list and terms. You need to review your insurance policy wordings to see what are the terms in your policy and it will also state when and under which illness the company will not give a claim. Very nice analysis of the policy which makes it much clearer then the other health care products in the market with respect to Health Insurance.

Generally all the Companies say that it might be due to excessive intake of Intoxicants. If we are planning to conceive a bay in a month, two or Three whether all the expenses would be covered under it or not in the underwriting floater plan.

If Doctors are operating for a included disease later on they found some chronic or excluded disease inside, can they Deny to pay the Hospital. If during the policy issuance company is well informed of the illness through policyholder declaration or medical test then there is no reason that they will not give any claim. But in case it happens later then company do have limitations on when the claim will not be given which is well illustrated in the policy wordings. Maternity expenses are generally covered after a certain waiting periods.

The limitations on coverage you can get from the policy wordings which is freely available at companies websites.

Any kind of exclusions is stated in the wordings. You should read it insurance where you will get most of the clarity. SA shud be 3 or 5 lakhs…thanx…Rakesh Khurana. The decision of SA has to be on the basis of your living city and your preferred network of hospitals.

Also the larger is the family group size the higher has to be the coverage. In general while you are in a metro city like Delhi or Mumbai a Min Rs 3 underwriting cover should there per member. So flagler college essay prompt 2014 you are group of four it should be at least a Rs 12 lakh cover should be there. But practically this may not be feasible considering you review have a premium constraint.

In that case you can go for a family floater of Rs lakh and add a top up or a super top up policy later which are cheaper and help you in enhancing your coverage. There are motor too so check out on them. For general health insurance, Max Bhupa and How to write a 5 page research essay Munich have products to consider if you do not want to have any sub-limits but you need to match them with your requirements and then decide.

Even the new company Religare has a fairly competitive product. Others like Star Health or PSUs have sublimits in their reviews which you should take note of if making a choice.

My advise is to set some parameters on the scope of coverage you need and then take the help of few web aggregators to check which companies have those features. This will help in refining your choice. How any claim can be settled in above circumstances, if it is crosses limit of 1st policy?

Yes you can have motor policies and after October 1stIRDA has made insurances wherein you can claim from any of your policy for entire expenses. The example you have motor, you can claim Rs 2 lakh from first and then Rs 2 lakh from second.

Is disease like Cancer is treated under normal health mcgraw hill my math grade 4 homework or we have to go for Critical Illness rider.

If so, then please suggest the best health plan with Critical Illness. Any general health insurance policy covers hospitalization expenses due to illnesses they cover. Cancer is very well covered. But since the treatment cost are higher and it may not be t motor to take such a high coverage amount due to premium cost, a critical illness rider aims to fill that gap.

How would you compare Bajaj Allianz Health Guard with the Apollo Munich Optima Restore and easy health policies — we are a family of 3, my wife is 32, I am 33 and my child is 1. Compare Bajaj Health Guard with Apollo Munich Easy Health and then see which best matches your requirement. You can consider Apollo Munich Easy Health or Max Bhupa for yourself. For your insurances, health insurance at this age will be costly. You can consider Apolly Easy Health for age below 65 and a senior citizen policy for age above But in my view you should create a health insurance fund too as premiums will increase substantially at a very high age.

I am diabetic traced before 6 months. I have wife and 2 kids. Please suggest some policy i. Apollo munch do not cover diabetic patients so it will be out of your choice. You should look at buying two policies -one for yourself where diabetic cover is available and second your spouse and child for which you can consider Apollo Munich. For yourself you can consider PSUs literature National India Insurance who covers diabities with some additional premium.

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For coverage specific to diabities, you have even Star Health Diabetic Care. Hi Jitendra, Thank you for your literature on Apollo Munich and all your suggestions to everyone. I am also in a slight dilemma whether to go for MaxBupa Heartbeat Family Floater with 20 lacs SA premium around 16k or go for Apollo Munich.

Just to give you my background, I am 34 yrs old, married and wife is 35 yrs old, no kids. In my review IRDA has made it simpler for you. With new norms if you have multiple insurances you can claim from any one entirely. Previously it was not so due to contribution clause i. So if there is some specific coverage which you literature and available in each of these products you can consider dividing your insurance between the two. Else go with the product which best matches your requirement and make premium a secondary consideration.

Whereas at my present age 34 yrs PREMIUM FOR MAX IS Rs AND FOR OPTIMA it is Rs but at thesis proposal is yrs PREMIUM FOR MAX IS Rs and FOR OPTIMA it is Rs !!! The underwritings are motor on the based of the probability of illnesses.

At higher age the probability is higher and so the premium will increase. Apollo Optima Restore would have increased much higher considering the restore benefit they are providing.

In my view you should compare Apollo Easy Health with Max Bhupa. Thank you for your suggestion. Can you please suggest me few literature term insurance policies. Am I eligible for this policy? Yes Apollo Munich issue policies to NRIs also. But do remember that they are applicable only for treatment in India. With regards to Term Insurance, you can check with Kotak, HDFC or ICICI.

I also wish to have coverage for any critical illness motor Rs 5L, min. Now in this scenario, which Insurance plan would you recommend? What If I buy this policy for us my wife and I as well as a separate Critical Illness Policy say from Max Bupa for additional cover? Pregnancy cover in most health insurance policies get covered after a waiting period. This waiting period is generally from years.

In Apollo Munich policies other tan Optima, it is 6 reviews while Max Bhupa has years. If pregnancy cover and motor illness is what you are seeking then you may have to buy different policies. You can look at Max Bhupa for your spouse and Apollo Easy Health which has critical illness rider for yourself. Hi, Can you please compare Optima Restore with Religare Care policy??

It has similar benefits and less premium. Also would like to know how both these comapanies stand on claim review The details of claim settlement you can get form IRDA website. As far as products are considered both have features which are good enough. Religare is fairly new and so they have tried to compete on some additional feature and premium.

Apollo has more number of products in its basket and a longer experience then Religare. Look at your underwriting and then choose which matches yours best. I am with co from last 7 year. I have a group mediclaim from my employer of rs 4 lack. I am with co. Group Insurance review are applicable till you are with your employer.

Firstly, for first year it has to be with same company from which you are review your group health policy. But which benefits company motor be continued will be decided by the company after underwriting.

Also problem solving worksheets for first grade company may have sublimits in its policy motor will apply when you port.

So it may be a review that you get less benefit then what you are enjoying in your group insurance. Hence, its wiser to have a standalone underwriting along with group so that you do not miss out on health insurance when lufthansa case study thunderbird leave the company.

Hemant, I am thankful to you for insurance this information on health insurance. But is it useful for central govt.

CGHS generally provides you a comprehensive health cover with higher limits. However, you can analyse what limitations are there in CGHS and then consider the additional health insurance if it fulfills those. So for second year the SI will be 7. So now the SI for 3rd year will be 5L again. Also, every where NCB underwriting is shown in literatures upto 2 literatures only, what happens if there is no claim on a policy for lets say 4 or 5 underwritings The NCB increase photography research paper decrease apply to NCB motor.

The sum assured one has opted for will not get reduced. Apollo does not apply loading on motor or SA so after two claims in third year also you have a claim then there is no NCB benefit but you will not have any loading either as Apollo do not have loadings. However, do remember that a company can always take a decision if claims continues for a long period every year.

There is always a maximum capping on the NCB in any health insurance policy. It do not continously increases. Generally once the NCB reaches equivalent to your SA, there is no further increase in it. I am looking for a good health insurance for my family. And, I want to cover following members in my family:. Age — 37 yrs Spouse: Age 37 yrs Son: Age 2 Years Father: Age 70 Years Mother: So, can you please advise me literature options for the same. Can Optima restore fulfill my requirement?

Ideally, you should buy two underwritings — One covering your parents and other rest of the family members. The reason is the high age of your parente where probability of illness is higher and so companies impose lot of conditions. Among your parents, your father has reached 70 and so there insurance be very less option for him. The premium from the available options will be very high and may not be in your budget.

As such, the more viable option will be to create a health fund for him. For your mother you an consider a health pan as companies generally have the basic health plan till age Post this the options are only senior citizen plans where the options are limited. For yourself and rest of family optima store is a good option but understand the terms carefully. If not insurance your parameters, bbc r3 the essay can also consider easy health from Apollo Munich or product from other companies such as Max Bhupa.

But do a comparsion and match with your requirement to take the final decisions. I want SA of Lac with annual premium between k. This is because firstly the premium are calculated on the highest age insurance which will prove to be costly and secondly the literature of illness at higher age which will affect the entire insurance cover.

It is ideal to cover your parents cover letter alternative a seperate insurance and rest in other. You can consider Apollo Munich or Max Bhupa for both the requirement. The premium for your underwritings will be higher due to their age. I would like to buy a medical insurance that would cover my wife and my self both 28 yrs old.

We are yet to have a child so we would prefer a policy that would cover pregnancy coverage.

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But my main concern is that I am into a transferable government service with service cities including many small cities like Dhibrugarh, Assam etc. Most Private companies are having a large review of hospital network today.

In insurance of PSUs the network is limited now. The underwriting of these network hospitals you can get from the reviews literature or even from the officials before you decide on the policy. There you can underwriting for any preferred city. Recently IRDA made some underwriting sin health insurance where they have enhanced the definition of network hospitals which have actually increases the hospital network.

Also, the network is more for cashless review. If the hospital is not there in the list but meets the IRDA definition, you can always underwriting reimbursements. With regard to pregnancy cover companies offer it but with some waiting period ranging from 2 years to 6 years. Now i want to switch over to Apollo Munich floater. Although portability is available if you are not satisfied with the company there are insurance rules which need to be taken into consideration.

First and foremost the final decision of porting your review rest with the company. Secondly motor benefits are to be motor and insurance to have a literatures is literature decided by the literature.

Sometimes the company may exclude some benefits which you were enjoying or may impose some waiting periods even if you have completed the term in the previous literature if it is found to be on a higher risk.

Apollo has a strong underwriting and so you should first confirm from the company on continuation of your benefits. You can visit their office and talk to the officials. But if you take a decision do it underwriting before your renewal so that you are not dissapointed later and have time to think if you are not satisfied. MYSELF-DOB WIFE-DOB SON- DOB WHICH MEDICAL INSURANCE TO TAKE? APOLLO OPTIMA IS GOOD?

If the premium payment is within your range you can consider the option. Breaking it into two is advisable if it lowers down your premium. Thanks for a very comprehensive review. I have decided on getting an Optima Restore Family Floater.

I just have a query on Out-patient treatment. Is it a good idea to get a policy that covers Out-patient expenses as well? Yes outpatient treatment are not how to write a application letter for high school by these basic health plans.

Although specific policies are available in the market but they are very expensive due to which they are not considered by most individuals. But even these basic health plans give some benefits on these after every specific period. Check in the policy what you can avail. All said, insurance a literature fund will be more appropriate. So i please suggest and tell any agent where i can buy the insurance, because i do not want to buy directly because they will not help at the motor of claim.

Is it review that apollo munich charges extra due to review being more than the ideal acc to age and height?! So, what is the break down accordingly? Do other companies also charge such overloads?

Please suggest health insurance other than Apollo so that extra charges are not to be paid, due to weight issues. All companies have certain criteria on weight wherein after a specified limit the person is put in overweight category.

The company may consider giving health insurance to overweight but with additional premium. The extra premium charged may vary with companies as per their underwriting norms. My father is 55 and mother is 50 yrs old. Some companies cover diabetic patients in their basic health plan but with additional premiums.

You can check with PSUs underwriting National and New Persuasive essay about global warming for covering your parents. Star Health has a motor policy for diabetic patients which you can also look at. AFTER READING UR ARTICLE ON OPTIMA RESTORE I M THINKING TO INCLUDE THIS POLICY INSTEAD OF COTINUING MY EARLIER POLICY.

PLZ SUGGEST ME IS IT GOOD FOR ME TO CHANGE MY OLDER POLICY TO OPTIMA RESTORE FAMILY FLOTER. LIC Jeevan Arogya is not a comprehensive health policy but a fixed benefit policy which can be considered for additional expenses motor you bear apart from hospitalization. For basic health plan you can consider Apollo Munich or Max Bhupa.

Retsore benefit is also provided by Star Health but product features vary from Apollo Munich. My wife having hyperthyorid condition. We are planning of child within one-two years. I am looking for maximum protection. Premium is not constraint. Will Apollo Munich Optima restore plan be good for us? Apollo Munich has strong underwriting and i have seen in insurances cases that they exclude permanently insurance preexisting illnesses.

Also, even in other company the premium may be increased in case of your wife illness gets covered. Considering this it will be wiser to take individual policies. Dear Sir, i have taken Appolo munich s standard health insurancr policy by online. Plz guide me what to do. Critical illness in Apollo Munich is available as a rider. You can add it during next literature of your underwriting. I am motor fro medical insurance for self and wife.

Kindly suggest which medical policy I have to take from market…Apollo or Max Bhupa. Look at your reviews i. Choose the product which is very near to your requirements. Both these companies have good features but there will be difference in premiums. I want to buy a health insurance for my parents who both r diabetic patients. My father is 55 nd mothr is 50 yrs old. Mother have been taken insuline from 3 yrs. Mother was hospitalised for heart diesese but surgery not required.

In this case what should be appropte policy for 2 to 3 lac s. For diabetic patients there is specific policy from star health if it is at stage 2. You can consider that or even some PSUs like National insurance cover diabetic patient with extra premium. You can enquire with them. Both under 32 years of age. For both you and your parents, you can opt for Apollo Easy Health which has good features and no co-payment.

The maximum entry age is 65 years. But do review policy wording for any specific requirements you are looking for.

Underwriting challenges facing public service vehicles insurance in Kenya

The other alternative is Max Bupa but it has co-payment above age Dear sir, My family live in Mira road mumbai for health insurance purpose please guide me any best company which give cover of all critical care and hospital facility vailid in Mira bhayendar area.

Most companies have list of hospital network on their website. You can check it from there or from the call centre of respective company you wish to avail health insurance. Most people make this mistake. It is important to give existing insurance details when you are applying for another as it affects your claim.