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Who is proposer and who is life insured in health or life insurance? When we fill the form to buy insurance we see two common names proposer and life assured. These two are confusing terms. Proposer and life assured need not be the same person. The proposer is the person purchases the policy and pays the premium. life insured is a person whose life is being insured. Suppose I am buying health insurance for my parents then I will be proposer and life assured are my parents. As I am proposer in the policy I will be getting tax benefits. My parents will be life insured whose life is being insured. --------------------------------------------------------------------------------------------------------------------------- https://www.policyplanner.com For any kind of help Toll-Free No. 1800 1200 771
What Is No claim Bonus In Health Insurance | How much you can get in NCB? No-claim Bonus in Health Insurance: No-claim bonus refers to the bonus amount that gets accumulated to the sum insured amount for every claim-free year. In other words, it is the reward offered by the insurer for not making any claim during a particular policy period. Every policy has no claim bonus. Some offer up to 50% NCB, some offer addition in coverage, If you have Rs 10 lac coverage then for next year they increase your cover so it will become 15 lac cover. Or they will offer you a discount in premium. You will get 10 % to 50 % discount on your next premium. ------------------------------------------------------------------------------------------------------------------------
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How to Register Reimbursement Claim | Cashless claim vs Reimbursement claim What details do you need to provide? Reimbursement claim is a claim when you pay hospital bills by your self and then you submit your bills, discharge papers, reports etc. Visit the website of the insurance company, download the claim form from their website. Fill the form, you have to submit your original bills, discharge cards, reports of treatment, ID card with the claim form. Sign that form and submit them to the company branch near you. DO NOT FORGET TO INFORM YOUR INSURANCE COMPANY ABOUT YOUR HOSPITALIZATION. You can call on helpline or call centre of an insurance company. You will have to submit all the original bills. You will get reimbursement claim and the money will be transferred to your account after a month. ---------------------------------------------------------------------------------------------------------------- https://www.policyplanner.com For any kind of help Toll-Free No. 1800 1200 771
Pre & Post Hospitalization In Health Insurance | Mediclaim & Expenses | Checkup | Policy Planner |
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What is meant by pre-existing disease? Pre-existing is any condition, aliment or injury or relation condition(s), for which the insured had signs or symptoms and/or diagnosed and/or received medical advice/treatment prior to the inception of the policy. In short the diseases or illness existed prior taking policy is pre-existing. Company marks these diseases as pre existing and they put waiting period of 3 to 4 years. You have to renew your policy for next 3 to 4 years by paying premium. Then you will get cover for your pre existing disease. If a person is having diabetes, even if any medical emergency occurred by diabetes the cover for diabetes will start only after 4 years of waiting period. Do not hide or fake about pre existing disease, it could result into cancellation of your policy or rejection of claim. --------------------------------------------------------------------------------------------------------------------------------https://www.policyplanner.com
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Know about How Much Room Rent & ICU Rent You Can Get In Health Insurance | Room rent is the key element in the hospitalization bill. Room rent in the health insurance you can get is 1% of sum assured, & ICU rent you get is 2% of sum assured. What is Sum assured? Sum assured is the amount of cover you have taken. But friends if you take coverage of Rs. 5 lac or 10 lac then you can get a private room rent or ICU rent. Because 1% of the sum assured Rs. 5 Lakh is 5 thousand rupees. You can take a single private room of daily rent up to 5 thousand rupees. ICU rent 2% of sum assured Rs. 5 lac is 10 thousand rupees. You can get up to 10 thousand rupees. Buy insurance of sum assured 5 lac and above to avail the room rent facility which costs more. Thank you. --------------------------------------------------------------------------------------------------- https://www.policyplanner.com
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Today I am going to explain you about the policy premium paying term i.e tenure of health insurance. The options available are 1 year, 2 years or 3 years policy tenure of health insurance. Avail benefits of the facility provided by insurance companies in policy tenure. You can avail 7.5% discount on 2 year health insurance premium. 10% discount on 3 year health insurance premium. You don't have to worry about the annual renewal of the health insurance if you choose a 2 or 3 year insurance. It is a long term insurance. You can get benefits of the health insurance without worries of renewal. So do opt for long term health insurance.
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What is Top Up Plan In health Insurance | What is deductible in health insurance Watch the Audio to learn more about the top up plans in mediclaim policy... How to choose best mediclaim policy top up plans? What are top up plans in health insurance? You can take a top up plan even if you already bought insurance or else you are buying a health insurance for first time or new insurance. Lets take an example.... A person is took a top up plan of Rs. 10 lac. There is a deductible amount of Rs. 2 or 3 lac. Deductible amount means you have to spend the 2/3 lac amount from your existing policy. Or Rs.2/3 lac on your own or your capacity. And further payment you can pay with top up plan. If you are having a corporate insurance you can take a top up plan.
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Are you guys confused about the age limit for the health insurance for a senior citizen? And up to what age they can renew health insurance plans? Watch this video to know about the senior citizen health insurance entry age. Health insurance for parents 60 years old. 75 to 80 years is the maximum entry age. Many plans are available in the market. And the renewal of the plan is unlimited. There is no limit for renewal of health insurance plan that you can renew your health insurance plan at this much of age limit only. So there is no such limit to renew health insurance plan.
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What is family health insurance plan? Family floater plan | Health insurance benefits, facilities & types | Today I am going to explain you about family floater health insurance plan. There are types of health insurance plans. One is called Individual health insurance and other one is Family health insurance (Also called as family floater health insurance). Lets take Example of family floater plan of family having 2 adults + 2 child family i.e. husband & wife and their 2 children. If they have coverage of Rs. 5 Lac then they can use the sum insurance amount as 1 lac/ per person or they can use total 5 lac amount for a single person as per need. Go for family floater plan. Leave comments below if you have any question or query. ------------------------------------------------------------------------------------------------------------------
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Do you know what is auto restore or auto recharge in health insurance policy? How exactly it works? What are the plans which offers auto recharge of health insurance? So what is auto restore or auto recharge facility in health insurance? Lets take an example of a person who took a health insurance policy of Rs. 5 lac for one year. Unfortunately he made claim in first 6 months. And hospitalization cost was Rs. 5 lac. He can not make claim with the same policy again because the sum assured became zero. So the insurance companies have provided the facility of auto restore or auto recharge of cover amount with NO EXTRA COST. But there is a condition and that condition is You can not claim for the same reason, disease. So don't forget to take a health insurance plan which includes auto restore sum insured. Thank you. --------------------------------------------------------------------------------------------------------
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Did you know how much tax you can save in health insurance under section 80D? Watch video and know more about tax saving that how one can save tax over Rs. 25K (25 thousand ) on health insurance. 30 thousand is the maximum limit. For people under 60 years of age can take family health insurance by paying premium up to 25 thousand rupees, & 5 thousand rupees for the parents health insurance. So if we sum up the amount then 30 thousand is the limit which fall under the income tax limit U/S 80 D. So you don't have to pay the tax for Rs 30 thousand. People above 60 years of age can get tax benefit up to Rs. 30 thousand. So do take advantage of the health insurance and tax benefits U/S 80 D. Stay insured. Stay happy. Save tax. --------------------------------------------------------------------------------------------------------
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Corporate insurance Group Mediclaim Employer- Employee Policy Policy Planner
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10 Points To Check Before Taking Health Insurance How To Choose Health policy Policy Planner
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What Isn't Covered In Health Insurance | If U Have Any Of These Diseases You'll Not Get Health Cover | You should aware of which disease are not covered in Health Insurance. Any sales person or Insurance agent do not disclosed you these things at first visit which are not covered in Health insurance policy , because of negativity create in customers mind for the Health insurance, and lost the case by Agent. But we explain you in simple language , Its help to you for better Understanding about Health insurance . You should aware of which disease are not covered in Health Insurance. Any sales person or Insurance agent do not disclosed you these things at first visit which are not covered in Health insurance policy , because of negativity create in customers mind for the Health insurance, and lost the case by Agent. But we explain you in simple language , Its help to you for better Understanding about Health insurance . 1) FIRST 30 DAYS ARE WAITING PERIOD : In the health insurance first 30 days is waiting period and this period any diseases are not covered except accident. Swine flu after 30 days covered. No coverage for first 30 days. 2) DEATH COVER : Please note Death cover is not covered in Health Insurance Policy. Only Accidental and Diseases are covered in Insurance Policy. 3) EXCLUSION List : If policy in continue After 2 Years or 3 Years some diseases or treatments are covered . Covered list are available in Exclusion list. But make it sure it's covered after 2 or 3 years. 4) FIRST 30 DAYS YOU CAN CANCEL YOUR POLICY : As per IRDA Guideline, If customer does not satisfied with Policy , or not agreed with terms and conditions , Customer can cancel and take his money back ,or switch to other insurance company. 5) FIRST 2 YEARS SOME DISEASES ARE NOT COVERED : 1) Cataract 2) Sinuses 3) Tonsil Operation 4) Ulcer 5) Piles 6) Kidney Stones 7) Arthritis 9) Joint Knee Replacement 9)Heap replacement are not covered in health insurance , It's called Exclusions in Insurance. If you will continue Health insurance policy with minimum 2 years, then 3 rd year they will covered with the same policy. 6) PRE EXISTING DISEASES ARE COVERED AFTER 3-4 YEARS : Basically customers knows if they had suffered with any diseases and he ask to the Insured company while purchasing the policy, Company give his covered but after 3 or 4 year waiting period as per Company Guideline. 4 years waiting period for Hypertension. But if damage any organs because of Hypertension or Diabetes like foot Ulcer they are not covered. 7) PERMANENT EXCLUSIONS : These Excludes'' are permanently not covered in insurance Policy , Like self injury, suicide attempt, drink and drive, Dental treatments, Cosmetic Surgery, HIV Treatment. Hair plantation, etc. 8) Unani, Homeopathy, Ayurveda, Yoga , Health club membership, are not covered. Only allopathic Treat is covered in Health insurance Policy. and we are sure this information will help you for choosing a better Health insurance Plan in future.
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Online insurance vs Offline insurance | Don't buy insurance until you watch this! Now a days we are using so many apps like Whatsapp, Twitter, Facebook, Paytm, Ola, Amazon etc.and maximum transaction we are done by Online. People also preferred Online booking for Movie, Travel, Hotel, or shopping , and Insurance also. But before this if we have to buy insurance we had followed traditional process. Like one agent was came and explain the single plan of single company , After deciding of plan he collected necessary documents, cheque, Forms with Signatures etc from us. And after that submitted to Local branch of Insurance company. In Online Insurance we are not depend on local agents Or any mediator , We can done all process by Own. But some people are confused and many questions are his mind. like online transaction are safe or not ? Hacking chances of premium amount ? If policy done its ok But how to assist in period of claim settlement ? Who to guide or assist us ? etc. Online insurance is totally safe and secure because of already we have strong application system , and they transfer your premium amount direct to the Insurance company. There is no any mediator or different accounts to hold your money for the same. Second thing we have also dedicated server and secured platform and this is the best feature of Policy Planner. As per our Lifestyle or Busy schedule of people. They don't have time to fix the 2-3 appointment with the agents for insurance. or in other case customer was traveling out of station and after some time he recognized vehicle policy will expire today or after few hours. Then he definitely prefer online insurance policy because of getting instant cover will started. In short choosing online insurance is the smart way for saving time and money. One of the most important point was customer will getting time to thinking about for planning of finance and insurance . Policy comparison with maximum insurance companies is profitable part for the customer. Not only premium, but also History of Insurance company , Rating ,Cashless Hospital List, Services, Claim settlement ratio etc. If customer buy Online Insurance the good things are Easy documentation by e-mail or whatsapp, Details are filled by customer and they very use full in claim settlement . Policy can done by Mobile , Tab , Laptop , and Desktop etc. In case of Health Check up concern are coordinate with customer and arrange the Health check up as per customers availability. and no time limit for buying the policy as per compare to local branch process of insurance , Only insurance company can authorized to settle the claim. For the company reputation they provide best support for claim registration, Verification and settlement. They have Dedicated call centers and Helpdesk Team. So we will suggest you for any kind of insurance you should go online only. Save your time and save you money. Be Online.
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HOW TO SAVE YOUR MONEY ? There is many types of Savings or different way of savings. Now we are going to discuss about the same because of our future plans are depend on saving. For example If we have earning of Rs. 50 k (50 thousand) per month and we are spending all, then balance become "0" its call turnover and balance does not reflect in Income Part. Other side if any person earn Rs 50 k and spending nearby 30k ( 30 thousand)then balance become 20k (20 thousand)it is Savings. Saving is the very effective and because of we can't beat to inflation in future. Some senior or retired people he had already set there carrier and their retirement plans on base of saving, and now they are Living enjoyable retirement life with good returns. That's why it's necessary to save our money as possible. Because of money get spend rater than anything. Income level of people are increase but opposite side expenses also increase , As per today's lifestyle 50 k also not sufficient for set out budget and beat the inflation . Now we are going to tell you how to convert your income in to saving. Now first thing we have to start monthly saving ( SIP : Systematic Investment Plan ), because rarely bulk amount we got compare to Monthly income. Kindly follow this formula or" INCOME - SAVING = YOUR EXPENSES", because if you are trying to save money after spending money it's very difficult, But If you are using our formula "INCOME - SAVING = YOUR EXPENSES" definitely you can manage your budget and set the saving goals. Mostly people are investing Mutual Fund, Unit Fund Plan , But we are suggest you kindly set your goal for some purpose first , then choose investment plan that belongs to your goal. and please do not break before tenure . Try to buy plan for Long term because they have good returns and benefits. for example Retirements Plan, Education Plan etc. And make a habit of savings to family member also. Investing in Equity share markets is profitable , Professionally trained authorized persons, give you good investment plans as per IRDA guideline and safer guideline , and Online plans are not chargeable. Kindly invest in equity fund because of ratio already increased of Indian market, Minimum 12-13 % returns are given share market . Do not spend money unnecessary or on unwanted expenses, and do not invest in taxable investment like Fixed Deposited etc. Select a Good Investment plan and Save your tax with good returns. and start second income like part time business , because of market strategy are changing every time , and concentrate on how to increase our income . Many examples regarding investing shares for long term and they have a successful stories, Like Reliance, Infosys, Hero Honda, TCS .etc. Dividends share , Bonus share and lots of benefits are provided to the customer by share market. Kindly buy Insurance also its help in Tax saving. and buy coverage on loan also. Kindly invest in share market and get benefits and good returns .
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Hello Friends, Welcome from policy Planner. Today I am going to explain you about concept of our company. First let me introduce myself, my name is Vivek Pawar, I am Director and Principle officer of the Policy Planner. Policy planner is a online insurance portal, Our company is Policy planner insurance web aggregator and we are IRDA approved company license no. 22. Why to buy insurance online? In India, in 2017, 320.57 million people accessed the internet through their mobile phone. We shop online , we pay bills, book tickets and more within few minutes! Why not insurance online? It takes hardly 2 minutes to buy insurance online. We are serving in financial services from past 17 years, now we bought our services online. We know the exact doubts and facing problems from Ground level in insurance. What is the insurance? And how to choose perfect plan as per required? Planning is the most important subject for any kind post activity. As per our company name we are explain you proper financial planning like Policy selection and comparative value. Our company was connected with 20 insurance company who was dealing with Health, General and Life insurance in the market. And we are trying to connect with 45 upcoming companies in the same industry. We have best business Set up like good server, dedicated IT Team, back end support with smart Telecallers. Basic roll of our company is creating integration between Incurrence Company with the customer. And its support to reduce cost of the Policy premium with the same coverage. Through professional financial planning we will try to catch our client’s goals of their Life.
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