tag:blogger.com,1999:blog-66561300704540132542024-03-13T02:39:22.128-07:00Voices in Finance - Your Perfect Financial PlannerGet all the latest news from financial sector. Read expert opinions about Finance Planning, Insurance Provider, Travel Insurance, Health Insurance and much more.Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.comBlogger31125tag:blogger.com,1999:blog-6656130070454013254.post-12169263529130701102018-07-26T01:59:00.000-07:002018-07-27T02:18:31.101-07:00 Renewal of Medical Insurance Policy on Time is a Must<div dir="ltr" style="text-align: left;" trbidi="on">
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Some people prefer to pay for mediclaim insurance despite its benefits limited to meeting expenses resulting from domiciliary care and hospitalisation. By opting for a medical insurance plan, the insured can either claim reimbursements pursuant to the expenditure stemming from treatment at a hospital or opt for a cashless procedure in which the insurer makes payment to the hospital directly. To continue availing its benefits, renewal of the medical insurance plans are important. Renewal of mediclaim policy can be done both online or offline. If you are unhappy with your current mediclaim policy, you may consider renewing your policy with another insurance company.</div><br />
<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEieHJNASb9ai4JXI7CWM0Dkky0H2bw1Lz5-rxPAJarqSoOU2SokfBF9lhyphenhyphenhSoiZZtoPDjRIdeUhOM1l9HxM2BPo6v_5V808BfLlFdzlLj8-3zZd6ZDiEGKnnu0KCBaSqBcSak1tPcKRPXd_/s1600/renewing-medical-insurance-policy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEieHJNASb9ai4JXI7CWM0Dkky0H2bw1Lz5-rxPAJarqSoOU2SokfBF9lhyphenhyphenhSoiZZtoPDjRIdeUhOM1l9HxM2BPo6v_5V808BfLlFdzlLj8-3zZd6ZDiEGKnnu0KCBaSqBcSak1tPcKRPXd_/s640/renewing-medical-insurance-policy.jpg" width="640" height="335" data-original-width="1200" data-original-height="628" /></a></div><br/>
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Considering the vast reach of the internet these days and the ubiquity of portals sharing details of various insurance policies, it is not difficult to compare details of policies and choosing the one as per needs and requirements. Moreover with each company updating its security process regularly, potential customer can log on to their websites, fill in the details to apply for the <a href="https://www.paybima.com/health-insurance/mediclaimpolicy.aspx">best mediclaim plan</a> available. Most people tend to compare only the premiums of the policies without looking at the sum insured in addition to other necessary details. The best medical insurance is the one that covers maximum expenses at nominal costs.</div><br/>
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<b>Why Must You Renew Your Mediclaim Policy on Time?</b><br/>
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<li>Even if you may be paying for the best mediclaim policy in India, the consequences of not renewing the policy are always the same as in others.</li>
<li>Non-renewal of the existing policy on time will result in having to invest in a new policy, thus, resulting in payment of high premiums;</li>
<li>Comprehensive coverage for any pre-existing disorder may not be available on non-renewal of the policy on time as any insurer provides necessary cover for any pre-existing illness only if the policy is renewed on time. In addition, the policyholder may miss out on benefits including No Claim Bonus (NCB);</li>
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It is always advisable to keep oneself updated about the policy renewal date. Though every insurance company allows a grace period during which one can apply for renewal of the policy, maintaining proper records of insurance policies and their due dates ensures timely renewal. </div><br />
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com0Mumbai, Maharashtra, India19.0759837 72.87765590000003618.5957917 72.232208900000032 19.556175699999997 73.52310290000004tag:blogger.com,1999:blog-6656130070454013254.post-58643033302386761422018-07-06T16:33:00.000-07:002018-07-10T03:57:25.917-07:00Everything You Need to Know about Add On Covers In Two Wheeler Insurance<div dir="ltr" style="text-align: left;" trbidi="on">
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Although comprehensive two-wheeler insurance takes into account most of your costs, signing up for add-ons help to safeguard your vehicle in a better and more advanced way. This is why, when signing up for the best two-wheeler insurance policy, you also need to pay equal attention to the add-on covers. Here is everything you need to know about add-on covers so that you make an informed choice.</div>
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<b>Medical Cover</b><br />
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It is said to be the most essential add-on cover. It proves to be very handy, especially during accidents. Since medical costs are always at an all time high, this cover helps pay for the medical costs that crop up owing to two-wheeler accidents.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6SWKeHjL_t4ATVIZqMIBCD-F_Z8g9RVHVtKgRvPhIRQdyFOo8REgHPjCC6p6dpSv4pGZUAH4iZnfs1r3rx5255XWn7uC9L4sOINIXYWgWSWY5orYLYr3XZuEEjCHq5aqWDArZtZ1HEd1U/s1600/two-wheeler-accident.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1200" data-original-width="1600" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg6SWKeHjL_t4ATVIZqMIBCD-F_Z8g9RVHVtKgRvPhIRQdyFOo8REgHPjCC6p6dpSv4pGZUAH4iZnfs1r3rx5255XWn7uC9L4sOINIXYWgWSWY5orYLYr3XZuEEjCHq5aqWDArZtZ1HEd1U/s1600/two-wheeler-accident.JPG" /></a></div>
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<b>Passenger Cover</b><br />
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Bike accidents are more dangerous than car accidents. This is because; bike accidents can injure both the rider as well as the pillion rider because there is no safety net of seat belts, doors and windshield. Having an add-on cover of this kind ensures compensation is provided to the pillion rider too. In case of death or disability to the pillion rider, compensation is paid with the assistance of this cover.</div>
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<b>Zero/Nil Depreciation Cover</b><br />
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In case of an accident, the rider is expected to pay for the depreciation and spare part replacement of the two-wheeler. Having the zero/nil depreciation cover with you ensures the insurance company covers the expenses of the depreciation value and spare parts. Generally, to avail this cover, when signing up for two-wheeler insurance online, you need to pay an additional premium.</div>
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<b>Accessories Cover</b>
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If your vehicle comes with added high-end electrical and non-electrical accessories, it is better and safer to insure these accessories as well. The accessories cover offers protection against any type of loss or damage that occurs to these parts of the bike. To sign up for this cover, you need to provide the estimate of the total cost of the accessories, during the policy purchase.</div>
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These covers help you safeguard and protect your bike in a better and more advanced way. Whatever you do, whether you choose to go in for these add on covers or no, it is important to compare two wheeler insurance before signing up for one.</div>
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<i><b>Additional Reading: <a href="http://www.voicesinfinance.com/2017/05/guide-to-overseas-travel-insurance-claims.html" target="_blank">A Guide to Making Overseas Travel Insurance Claims</a></b></i></div>
Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com0tag:blogger.com,1999:blog-6656130070454013254.post-81577555094227468012018-07-03T15:54:00.000-07:002018-07-10T04:01:11.093-07:00Why You Should Consider Long-term Bike Insurance<div dir="ltr" style="text-align: left;" trbidi="on">
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Even though two-wheeler insurance is compulsory by law, only a minority of individuals in the country possess it. This is mainly because a majority of people are either not interested or are too lazy to get one. This is where a long term two-wheeler insurance policy comes in handy. It is a great and convenient way to obtain insurance and at the same time be tension-free about it.<br />
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<b><i>Here are a few more advantages of opting for long term bike insurance.</i></b><br />
<b><br />1) You are Well Covered for a Long Time: </b>With the amount of responsibilities and obligations taking over our lives, renewing a two-wheeler insurance policy sometimes takes a backseat or may simply slip our mind. Rather than stressing over your policy getting lapsed or worrying about putting yourself at risk by riding on the road, it is best to opt for long term insurance. When you sign up for this kind of policy, you do not have to fret about yearly renewals for three years. This means your vehicle is well protected against losses and does not need to go through the rigmarole of yearly inspections and constant renewal reminders.<br />
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<b>2) You Obtain a Higher No Claims Bonus: </b>NCB or No Claims Bonus is the discount you obtain on your premium for every year claim free year. The more successive claim free years to your credit, the higher is the NCB percentage discount at the time of renewal. If you make even a single claim however, you are not eligible for NCB. When you purchase long term two-wheeler insurance third party, you can not only make a claim but also obtain at a higher NCB. Some insurers even fix the NCB period of the entire three years. So if you obtain an NCB of 25%, you get it for all three years.<br />
<b><br />3) Premium Rate is Fixed for Three Years:</b> Third party premium rates usually undergo a hike on an annual basis. In addition to this, the insurance company is also likely to hike the OD (own damage) premium now and then. When you purchase the best insurance policy for bike on a long-term basis, you actually save yourself from such kinds of hikes since your premium rate is fixed for three years. This, in turn, helps you save significantly.</div>
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<b>Additional Reading:</b> <a href="http://www.voicesinfinance.com/2017/06/travel-insurance-to-cover-pre-existing-conditions.html" target="_blank">How Do You Get Travel Insurance To Cover Pre-Existing Conditions?</a></div>
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<b><br />4) You are Safe from Non-renewal Related Risks:</b> If you fail to renew a policy at regular intervals, you attract a variety of risks right until the time you renew the policy. If the vehicle, whose cover does not hold any validity, has a collision, is stolen or meets with an accident, it is the vehicle owner who has to pay the entire burden of the loss incurred. You do not have to worry about these factors and instances with a long term plan.<br />
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<b>5) You Steer Clear from Gaps in Coverage:</b> Not renewing your policy on time requires you to go through a painstaking process. The insurer may want to inspect the vehicle again and only when it meets the desirable requirements is given the green light. If not found eligible, the insurer may reject insuring your vehicle. In certain cases, you are offered a low IDV (Insured Declared Value). A long term best bike insurance policy ensures you do not come across a gap in coverage.</div>
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Long-term insurance policies come with great benefits. Make sure you read all the terms and conditions well before signing up for the best bike insurance in India.</div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com2tag:blogger.com,1999:blog-6656130070454013254.post-68122133701496679212018-06-25T06:35:00.003-07:002018-07-10T04:36:54.053-07:00 Car insurance Claim: When to File and When to Avoid?<div dir="ltr" style="text-align: left;" trbidi="on">
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There are many aspects of insurance policies that most Indians are unaware of. The information doled out across various media forms, digital or print, has taught people the need to compare before buying the same. The ubiquity of internet has made it possible to compare car insurance online in India, while also propelling vehicle owners to pay for motor insurance online. Most people understand the basics of premium payout and inherent benefits of motor insurance policies. However, many do not know when to file a car insurance claim and when to avoid it.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNb597BMaPb2goDFnqDyN5Vk7lPrCBU3P4IZuX1KAlq3JS82NGP2BLU1dgg4vB2_RzUPWdfoXidecOKMYLb7TuWjyki_rglQ3deLnhG5rivwVYsQKIEQ1Q4cE4AvC8RlTq_ioet-9eq6s6/s1600/car-insurance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="680" data-original-width="1024" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhNb597BMaPb2goDFnqDyN5Vk7lPrCBU3P4IZuX1KAlq3JS82NGP2BLU1dgg4vB2_RzUPWdfoXidecOKMYLb7TuWjyki_rglQ3deLnhG5rivwVYsQKIEQ1Q4cE4AvC8RlTq_ioet-9eq6s6/s1600/car-insurance.jpg" /></a></div>
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Many policyholders are of the opinion that having their car insured ensures their right to stake a claim to cover in case of unforeseen damage. Though it may seem wise to direct the insurance company to pay the expenses incurred in repairs, it may have a negative effect on the claim history of the policyholder and, hence, higher premium payout in future.</div>
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In most of the accidents involving car collisions, the damages are minor and hence can be paid out of one’s own pocket. As one buys insurance to mitigate risk, it is understood that the concept of insurance has a lot to do with the risk factor. Terms such as no-claim bonus (NCB) come into play only when one does not claim insurance during the policy period, and therefore, avails discount or rebate on premium paid for own damage car insurance. Filing damage claim for minor issues results in zero no-claim bonus and consequent higher premium payouts in future.</div>
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In a nutshell, one needs to keeps certain factors in mind including the quantum of loss suffered, extent of voluntary deductibles and effect on NCB and consequent premiums during policy renewal before proceeding to file a car insurance claim.</div>
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<b>Recommended Reading:</b> <a href="http://www.voicesinfinance.com/2018/06/two-wheeler-insurance-tips.html" target="_blank">Two Wheeler Insurance: Some Useful Tips And Facts</a><br />
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While comparing, policyholders do not focus on factors like percentage of compulsory deductibles fixed by each insurer, the rates of discounts that the insurer gives in case the policyholder chooses the no-claim bonus add-on cover, the cost of NCB protection cover, etc. It is necessary to read the details given in fine print while buying motor insurance online. To choose among the policies offered by various insurers, it is wise to compare car insurance in India.</div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com0tag:blogger.com,1999:blog-6656130070454013254.post-15596381692993802192018-06-24T05:48:00.003-07:002018-07-10T04:38:13.805-07:00Two Wheeler Insurance: Some Useful Tips And Facts<div dir="ltr" style="text-align: left;" trbidi="on">
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Now that you have bought a two-wheeler, you need to look for the right two-wheeler insurance policy that will secure your vehicle from losses resulting from damages due to any untoward accident. Most people pay for vehicle insurance to avoid getting trapped into legal hassles. They fail to realise how the insurance policy acts as an indemnity against unforeseen monetary loss or huge financial expenditure.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGXQ1Cr4D_VNkytyF1Wj3GH0XJIQTtr72zsIwLtLI4hFtrG3f4L6ftULbePwfr0tXFsPrnG7zj1Z6e4J6XWOrv1nD3yQ1MZdCyohipHwPVpUH3P47Mu5SmI4C14MRKTP40I4TOLbCMrkq0/s1600/bike-insurance.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="512" data-original-width="960" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhGXQ1Cr4D_VNkytyF1Wj3GH0XJIQTtr72zsIwLtLI4hFtrG3f4L6ftULbePwfr0tXFsPrnG7zj1Z6e4J6XWOrv1nD3yQ1MZdCyohipHwPVpUH3P47Mu5SmI4C14MRKTP40I4TOLbCMrkq0/s1600/bike-insurance.png" /></a></div>
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The internet is home to various insurance companies sharing their products on their respective websites in addition to online insurance aggregators who publish details of every available insurance product offered by insurers on their portals. While the entire process has become relatively easy and inexpensive, it is necessary that vehicle owners keep in mind certain tips and facts that would help them choose and buy the right two wheeler insurance policy.</div>
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Know The Damages That Your Policy Covers:</h2>
In addition to the third-party liability cover, motor vehicle insurance contains scope for buying a comprehensive insurance cover too. Since the third party liability cover shields only the third party involved in the accident against losses resulting from damages, it is important that one pays for a comprehensive cover too that would help escape payment of bills raised against repairs and maintenance. The nature and extent of cover is unique to each motor insurance policy. It is necessary to check if the insurance policy you have chosen is in sync with your needs.</div>
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Bike Insurance Add-on Covers:</h2>
One can however choose to pay for bike insurance add-on covers also that can secure them from losses owing to specific damages or unwarranted expenses in future. The common add-on covers which most insurers provide are personal accident cover, roadside assistance cover, daily cash allowance cover, no-claim bonus protection cover, zero depreciation cover, etc. However, this means greater premium payments. So, one must choose to pay only that add-on cover that is deemed necessary to save on premium payouts.</div>
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<b>Also Read:</b> <a href="http://www.voicesinfinance.com/2018/03/why-you-should-consider-long-term-bike.html" target="_blank">Why You Should Consider Long-term Bike Insurance</a><br />
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Buy Two Wheeler Insurance Online:</h2>
Buying or renewing insurance policies online are cheaper than those done in the offline mode. This is because the insurers save on the intermediary and administration costs particular to offline policies that they then pass on to their customers.</div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com0tag:blogger.com,1999:blog-6656130070454013254.post-68337418226171337882018-06-12T02:46:00.000-07:002018-07-10T04:05:39.293-07:00Know the Risk of Going Abroad without Travel Insurance<div dir="ltr" style="text-align: left;" trbidi="on">
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Traveling is the best way to beat the blues of a monotonous life. After all, it is invigorating, refreshing and gives you a new take on life. But whether you are going for a holiday or a business commitment, buy travel insurance online, if you want to have a risk-free traveling experience. <br />
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<i><b>Not having good travel insurance when going abroad puts you at a great risk. Here is why.</b></i> </div>
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1) Your Finances Can Get Into a Mess</h4>
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Even a minor incident overseas can wreck havoc and cause an imbalance in your finances. Rather than putting yourself through this stress, it is better to have travel insurance so you know someone has your back.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5kZ61da2XqGGpWdOgZS5DbA3dcHpvt3u9J2xx-S14t2DZ_p53KiBC00r1eRk7fcEydEIRk7ZN3VtaOMVLYjh2pP67mQ1icagBVS8MPe3vBfrIY0yijqBFD4pFU4D6k70Dnslk8RqoydoV/s1600/insurance-1991277_960_720.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="675" data-original-width="960" height="449" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5kZ61da2XqGGpWdOgZS5DbA3dcHpvt3u9J2xx-S14t2DZ_p53KiBC00r1eRk7fcEydEIRk7ZN3VtaOMVLYjh2pP67mQ1icagBVS8MPe3vBfrIY0yijqBFD4pFU4D6k70Dnslk8RqoydoV/s640/insurance-1991277_960_720.jpg" width="640" /></a></div>
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2) It Can Cause Unexpected Travel Glitches</h4>
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Flight cancellations, flight delays, loss of luggage and medical emergencies are just a few incidents that can occur unexpectedly. They are enough to spoil your entire trip. Rather than getting stuck in an unknown country, it is better to have travel insurance that specifically handles these situations.<br />
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3) If You Meet with an Accident, you are not Covered</h4>
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Your insurance plan takes care of your well-being and health. Depending on the plan, it can also compensate for the loss of life. It takes care of any kind of injury, permanent disability and even death. In case any of these accidents take place, compensation is provided through a pre-decided amount.<br />
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4) You are Always on Tenterhooks throughout the Journey</h4>
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If you do not have travel insurance, you are never at peace as you always feel something is going to happen. It is better to save yourself the stress and worry and opt for travel insurance. It helps you enjoy your trip aboard as it ensures you are well-prepared.<br />
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So before your next trip abroad, see that you <a href="http://www.voicesinfinance.com/2017/12/quick-tips-to-pick-a-travel-insurance-policy.html" target="_blank">buy adequate travel insurance</a> that covers you through your entire journey. You can find the best travel insurance policy online with just the click of a few buttons. Choose aggregator sites to check the different kind of policies available. This helps you save up on time and energy while at the same time keep you informed about the various coverage options, terms and conditions and benefits offered. It will also make certain that you are at peace the next time you are traveling abroad.</div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com2tag:blogger.com,1999:blog-6656130070454013254.post-75065155015425504752018-05-21T06:42:00.003-07:002018-07-10T04:07:28.117-07:00Know the Benefits of Buying Two Wheeler Insurance Online<div dir="ltr" style="text-align: left;" trbidi="on">
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The days of heading personally to an insurance company in order to purchase a good two wheeler insurance plan are long gone. Today with the internet being a powerful force and the emergence of all kinds of apps, online is the new way to go. Keeping this in mind, here are a few benefits of buying a two wheeler plan online.</div>
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You get round-the-clock assistance</h2>
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You gain access to 24/7 assistance so if you do not understand a certain term or need any kind of issue or problem resolved, simply get in touch with your insurer by signing in to the online chat room. Your issues and queries are directly sorted out by the insurance company.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1O9rlC0Ivg_rUz0B9khahxbvm18jTet1OXyyDMQH7BV9kCaEGV0tYTvEh9hrlgKGONEWpFi5tbNbcArVJ3yIfBk2KOIjj0oiDuMrD_Qprm_HSuhRNsFH0Le4X3DVp7io4nMZqhGtsoboT/s1600/two-wheeler-insurance.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="359" data-original-width="896" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh1O9rlC0Ivg_rUz0B9khahxbvm18jTet1OXyyDMQH7BV9kCaEGV0tYTvEh9hrlgKGONEWpFi5tbNbcArVJ3yIfBk2KOIjj0oiDuMrD_Qprm_HSuhRNsFH0Le4X3DVp7io4nMZqhGtsoboT/s1600/two-wheeler-insurance.png" /></a></div>
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Convenience is assured</h2>
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You do not have to wait in long queues and take out time from your busy schedule to sign up for a policy. With online bike insurance policies, there is less paperwork and more convenience. It is prompt, stress-free, and hassle-free. While mobile banking and internet banking makes payment processes seamless, you can settle claims, renew your policy and get quick quotes in a flexible way.</div>
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You can make an informed decision</h2>
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With the internet at your disposal, conducting research on the existing policies and finding the best one that suits your preferences and tastes in a desirable way is easy. You are not under pressure or bombarded with various plans that the insurer throws at you. You can simply check the terms of coverage, exclusions, and features and also find out about the add-ons you can obtain and accordingly sign up for a one-year plan or long term two wheeler insurance.</div>
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Purchasing directly from the company</h2>
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You can gain access to policy related information directly from the insurance company without having to go through an intermediary for the same. This means you can reduce unnecessary commissions and costs that an agent is likely to charge you and obtain a two wheeler insurance plan in a cost effective way.</div>
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<b>Additional Reading:</b> <a href="http://www.voicesinfinance.com/2017/06/travel-insurance-to-cover-pre-existing-conditions.html" target="_blank">How Do You Get Travel Insurance To Cover Pre-Existing Conditions?</a><br />
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These are some advantages of buying two wheeler insurance online. Just like bikes are a convenient way to get through busy roads, online insurance is a suitable way to get protection for your bike in an efficient and desirable way.</div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com0tag:blogger.com,1999:blog-6656130070454013254.post-57445938340787998932018-05-03T02:06:00.000-07:002018-07-10T04:08:41.083-07:00Tips to Reduce Your Motor Insurance Premium Costs<div dir="ltr" style="text-align: left;" trbidi="on">
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It is mandatory for every vehicle owner to have a motor insurance policy in India. And even if it was not, having one can keep your protected against financial losses in case something goes wrong. While one may choose to buy car insurance online to eliminate infrastructure and distribution channel expenses coupled with overhead costs, there are few ways by which the premium one is paying may be effectively reduced. Some of them may be listed as under:</div>
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<b>Compare Motor Insurance Policies Before Buying:</b><br />
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It is always advisable to compare features and benefits of policies offered by various insurers. In addition to scanning the websites of these companies, vehicle owners can log on to portals run by online insurance aggregators to compare the insurance premium rates quoted by various companies. Buying any kind of insurance through online distribution channels proves to be cheaper than that obtained via conventional method. In addition, it makes sense to invest in motor insurance policies sold by other insurance companies as opposed to buying the same kind of policy for the same car each year. Choosing a different motor insurance policy raises the chances of availing discounts on premiums to be paid.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPhyPEBnrVWaUoiBrtmXu66SwvL3NZ1n8YaKr2GbaMWoRJpEMidgNhsQJFKJinIHNbSeBWQwSSaPfmTh7tNrAjFED101MgGNpoSu85d4SQTMDATROJqf1mDLKXllR01SHaTAx-q1Poyyye/s1600/Ways-toReduceYour-CarInsurance-Bill.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="372" data-original-width="660" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhPhyPEBnrVWaUoiBrtmXu66SwvL3NZ1n8YaKr2GbaMWoRJpEMidgNhsQJFKJinIHNbSeBWQwSSaPfmTh7tNrAjFED101MgGNpoSu85d4SQTMDATROJqf1mDLKXllR01SHaTAx-q1Poyyye/s1600/Ways-toReduceYour-CarInsurance-Bill.png" /></a></div>
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<b>Select Additional Riders Wisely:</b>
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Premiums paid on a “no frills” policy are lesser than policies with add-on features. The proportion of premium one has to pay goes up with the choice of every additional rider. There is a need to choose each rider carefully keeping in mind the nature and extent of coverage you are looking for while insuring your vehicle as every rider added would correspond to an added amount on premium charged.</div>
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<b>Increasing The Amount Of Deductibles:</b>
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Apart from the extent of coverage that policyholders look for while buying car insurance online or offline, there is a certain amount that one agrees to pay out of pocket. This is called deductible. While choosing a motor insurance policy or during renewal of the policy, one needs to choose the percentage of voluntary deductible value. The higher amount one agrees to pay out of pocket, the lower would be the premium charged. Thus, choosing a higher deductible value lowers the premium payable by a specified percentage. </div>
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<b>Additional Reading:</b> <a href="http://www.voicesinfinance.com/2018/03/confusion-before-choosing-bike-insurance-online.html" target="_blank">Ways to Overcome from Confusion Before Choosing Bike Insurance Online</a><br />
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com2New Delhi, Delhi, India28.6139391 77.20902120000005228.3907261 76.886297700000057 28.8371521 77.531744700000047tag:blogger.com,1999:blog-6656130070454013254.post-77719778389344382372018-04-27T02:02:00.000-07:002018-07-10T04:09:27.361-07:00Top 5 Two Wheeler Insurance Plans In India<div dir="ltr" style="text-align: left;" trbidi="on">
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When it comes to the kind of vehicles that are ruling the roost in India, two wheelers win hands down. This is because bikes are easier to afford and are better to squeeze through when jam packed traffic hits the roads. However, simply purchasing a bike is not enough, you also need adequate insurance coverage to protect against mishaps. If you want to sign up for <a href="http://www.voicesinfinance.com/2018/03/confusion-before-choosing-bike-insurance-online.html" target="_blank">two wheeler insurance</a> online, here are the top five two-wheeler insurance plans in India.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEixMbhSMOzu4Zh_rLtFSgYTV_UA3mkpQRUU9PcHjPJ-iNbpyAlcUsBuYRS214YpXXIbCDMUPFVG46WAciTQqiGigYblkonfC3x9C1sreqE2vH5FGmU0f9a-m3m_lw1KC3jryjEKlJswoIpi/s1600/bike-accident-with-a-car.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="426" data-original-width="630" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEixMbhSMOzu4Zh_rLtFSgYTV_UA3mkpQRUU9PcHjPJ-iNbpyAlcUsBuYRS214YpXXIbCDMUPFVG46WAciTQqiGigYblkonfC3x9C1sreqE2vH5FGmU0f9a-m3m_lw1KC3jryjEKlJswoIpi/s1600/bike-accident-with-a-car.jpg" /></a></div>
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<b>1) HDFC ERGO Two Wheeler Insurance</b><br />
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These insurance plans come with long term coverage. You can purchase adequate coverage online and safeguard your bike for three years, for the same premium. These policies come with a 94% claim settlement rate.</div>
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<b>2) Bajaj Allianz Two Wheeler Insurance</b><br />
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You can also find the best two-wheeler insurance policy at Bajaj Allianz too. These plans are available for long terms. Policyholders have access to 24/7 claims support while you can easily transfer up to 50% NCB from any other bike insurance company in India.</div>
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<b>3) The New India Assurance Company Limited Insurance</b><br />
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If you are looking for two-wheeler insurance that is provided to you from the public sector, the New India Assurance is a government owned company that offers a hassle-free, quick and transparent claim process and 20% to 50% NCB. It also provides various kinds of coverage options.</div>
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<b>4) Bharati AXA Two Wheeler Insurance Policy</b><br />
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This policy takes into account the costs of bike servicing and replacement parts should natural calamities or man made incidents strike. You save significantly on premiums while you can take advantage of a 10% premium discount for two years and 20% premium discount for three year package policies.</div>
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<b>5) Reliance General Insurance</b><br />
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You can purchase two-wheeler insurance from Reliance General Insurance. There are many advantages you can benefit from when you sign up here. This includes cashless facility in more than 2100 network garages all over India, renewing your expiring policy without any paperwork, access to around 40% discount on your two-wheeler insurance premium.<br />
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It is good to compare two-wheeler insurance policies before signing up for one. The above mentioned plans are some of the best in the two-wheeler insurance world. You can so weigh the pros and cons of each before signing up for a suitable one for you.</div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com2New Delhi, Delhi, India28.6139391 77.20902120000005228.3907261 76.886297700000057 28.8371521 77.531744700000047tag:blogger.com,1999:blog-6656130070454013254.post-47108344668165695122018-04-27T00:45:00.000-07:002018-07-10T04:10:12.662-07:00What Is Covered By Your Two Wheeler Insurance Policy<div dir="ltr" style="text-align: left;" trbidi="on">
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Many people purchase two-wheeler insurance only because the law makes it compulsory to do so. As long as they have the required paperwork to show that they own a valid policy, they do not care one bit about what it covers and why it is essential to sign up for a plan in the first place. Only when a collision occurs or damage is caused, they regret and repent for not paying better attention. It is important to compare two-wheeler insurance and know what your two-wheeler insurance policy covers. Basically there are two plans and here are a few aspects both of these plans encapsulate.</div>
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<b>Third Party Liability Insurance Policy</b><br />
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In case damage is caused to a third party, your insurance policy covers this damage. Under the third party liability insurance policy, critical and non-critical injuries are covered. Damaged caused to property of a third party is also covered. Personal accident coverage is also provided.</div>
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<b>Comprehensive Insurance Policy</b><br />
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Under the comprehensive insurance policy, any kind of damage that occurs to you or your vehicle owing to man made or natural calamities is covered. This includes protection against earthquakes, cyclones, storms, floods, theft, malicious acts, strikes, collisions. It is also known as OD (Own Damage). The name itself suggests that it offers you complete and all-inclusive protection.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhS6sGm2p92yTDb6CIaDKYZmpvvnqRBhndfoEIPBaffbQKC0OLIZ8YsCSKlC7QTFxU_bt7tJU29M9CWhEWz93zYuOF1uXuaZiV9IiMKVHmnJkcO0v72PmisD3ufH8naqlb1M1E8SSwULN3f/s1600/two-wheeler.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="428" data-original-width="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhS6sGm2p92yTDb6CIaDKYZmpvvnqRBhndfoEIPBaffbQKC0OLIZ8YsCSKlC7QTFxU_bt7tJU29M9CWhEWz93zYuOF1uXuaZiV9IiMKVHmnJkcO0v72PmisD3ufH8naqlb1M1E8SSwULN3f/s1600/two-wheeler.jpg" /></a></div>
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<b>Other Factors To Consider</b><br />
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There are certain Personal accident coverage covers accidents responsible for temporary or permanent disabilities. It also offers coverage for damages arising when you are mounting or dismounting a two-wheeler. You can also purchase two-wheeler insurance online that covers the injuries that are sustained by pillion riders.<br />
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All in all, two-wheeler insurance policies offer protection against man made calamities, natural disasters as well as safeguard your legal interests. It gives you a complete sense of stability and security when you are on the road knowing and are not breaking any law and should any unfortunate incident occur, you are well covered. The <a href="http://www.voicesinfinance.com/2018/02/5-tips-to-insuring-your-two-wheeler.html" target="_blank">best two-wheeler insurance</a> policy is the one that caters to your individual needs and preferences without making you go overboard when it comes to your budget.</div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com0New Delhi, Delhi, India28.6139391 77.20902120000005228.3907261 76.886297700000057 28.8371521 77.531744700000047tag:blogger.com,1999:blog-6656130070454013254.post-33668326692459785522018-04-26T05:16:00.002-07:002018-07-10T04:10:52.109-07:00How Comparing two-wheeler insurance online can Increase Your Profit? <div dir="ltr" style="text-align: left;" trbidi="on">
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You must have time and time again heard that when purchasing two-wheeler insurance online, it is important to compare policies. Doing so, in actuality, helps you enhance your profits and makes you take better advantage of the premium you are paying for a policy. Here are a few reasons why you have to compare plans before choosing the right one.</div>
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<b>Helps you make an informed decision</b><br />
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When you compare <a href="http://www.voicesinfinance.com/2018/02/5-tips-to-insuring-your-two-wheeler.html" target="_blank">two-wheeler insurance policies</a>, you understand the benefits, quotes, disadvantages, exclusions and the features of many plans. This helps you make an informed decision as you can choose the best and most conducive one for you. In this way, you can check your budget and the features offered, before opting for the right one for you.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWaids1rd585j50q9YX-5VAwugLisTj0GyiW7bubm0z-h4BBaLE5w865AkRpbHjD1ZiGkyXVsPg_XgKvzRZQvR64t4JkKPYwuSgg2ksia2Xk4KE_ibdZI3BR8k6bucApk6Av0VgUjkE9Qy/s1600/two-wheeler-accident.JPG.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="193" data-original-width="262" height="295" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiWaids1rd585j50q9YX-5VAwugLisTj0GyiW7bubm0z-h4BBaLE5w865AkRpbHjD1ZiGkyXVsPg_XgKvzRZQvR64t4JkKPYwuSgg2ksia2Xk4KE_ibdZI3BR8k6bucApk6Av0VgUjkE9Qy/s400/two-wheeler-accident.JPG.jpeg" width="400" /></a></div>
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<b>You can’t be fooled by the agent or insurer</b><br />
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An agent or salesperson can go to any lengths to close their sale and make you purchase a policy that won’t be of any use to you. Comparing the price and coverage offered ensures you do not get pulled into their marketing tactics since you do not need an agent to explain these details to you.</div>
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<b>It is easy and seamless</b><br />
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Comparing policies are not rocket science. You simply have to visit aggregator websites and take it the many features and costs that are presented. It does not take long to find some of the best policies available in the market that are ideal for you.</div>
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<b>You refrain from participating in reckless buying</b><br />
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When you are in a hurry to purchase an insurance policy, you choose anyone that looks appealing. In fact, some people pick up the first decent policy they see. Drawing comparisons helps you refrain from indulging in reckless and impulsive buying.</div>
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These reasons may seem small but when you add them to the bigger picture help you get the best profit out of the insurance policy you purchase. So rather than treating this insurance purchase as a burden you want to get over with, take the time to compare. Rest assured when you compare your policies online, you are sure to get the best two-wheeler insurance policy in your pocket.</div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com0tag:blogger.com,1999:blog-6656130070454013254.post-11237113903278726662018-03-27T00:17:00.000-07:002018-07-10T04:13:07.098-07:00Common Myths About Online Health Insurance in India<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjjjmk83OMHAXP3BQh2rwwcxlEqzKlz4XqZREGzu0V_aq7znQDOj0ScD0LrNQbJwP8-3iDjFTZt3Toz-cJtEir5qqVftzkBbzXEkeSHBgA5wbJcVrNwBcomlHK5fIkNgyPhtz9kyfSAwF7K/s1600/common-Health-Insurance-Myths-in-India.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="327" data-original-width="640" height="203" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjjjmk83OMHAXP3BQh2rwwcxlEqzKlz4XqZREGzu0V_aq7znQDOj0ScD0LrNQbJwP8-3iDjFTZt3Toz-cJtEir5qqVftzkBbzXEkeSHBgA5wbJcVrNwBcomlHK5fIkNgyPhtz9kyfSAwF7K/s400/common-Health-Insurance-Myths-in-India.jpg" width="400" /></a></div>
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Some individuals don’t even think about purchasing health insurance policy let alone considering buying online health insurance. But times have changed. Growing medical costs and bills have persuaded people to turn to these plans as a way of getting good treatment without spending entire savings. However, there are still a few myths surrounding health insurance. Here are a few of them and the actual facts behind them.</div>
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Myth 1: Signing up for a cheap policy is enough</h3>
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Whether online or otherwise, signing up for an insurance policy that comes with the lowest premiums is not a good idea. This is because policies with a low premium have limited offerings and invariably key features are not included in the plan. Paying a little bit extra can help you avail updated policy versions that come with central benefits.</div>
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Myth 2: I can take advantage of benefits offered from the first day itself</h3>
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Many insurance policy holders believe that their claims are denied because of the policy’s inability to cover certain medical incidents. On the contrary, the claims can be declined owing to the waiting period. The period you have to fulfill in order to avail certain additional benefits such as cover for pre-existing illnesses is already mentioned in the policy document. Unless you complete this criterion, you won’t be paid for certain medical conditions.</div>
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Myth 3: There are major differences between online and offline health insurance policies</h3>
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Online health insurance policies are made possible so that they can benefit customers, especially those who find it difficult to head to an offline insurance company. It is a more convenient way to check out the same offline policies, their benefits offered as well as terms and conditions. Having said that, online policies do come with a lower premium since no agents or middleman is involved. Choose wisely and you can get the best health insurance plan that suits your needs perfectly.</div>
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Myth 4: Group health insurance is more than sufficient</h3>
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You need to check your group insurance policy well and see whether it covers the needs and requirements of your family well. If you find that there are certain conditions that are going unnoticed, you need to purchase an additional individual policy. An individual policy comes in handy especially when you are switching jobs or retiring.</div>
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Myth 5: You have to be hospitalized for 24 hours to make a claim</h3>
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This is completely untrue. You do not need 24-hour hospitalization in order to make an insurance claim. This is because all procedures and treatments do not require 24 hour hospitalization. For instance, in cases of dental procedures (check if they are covered by your policy) and cataracts. See that you go through the day care procedures covered so that you know for sure whether you have to be admitted for 24 hours before making a claim. </div>
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<b>Additional Reading: <a href="http://www.voicesinfinance.com/2017/06/prevent-rejection-of-health-insurance-claim.html" target="_blank"><i>How to Prevent Rejection of Health Insurance Claim in India</i></a></b></div>
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These are a few myths debunked so that your concept of health insurance is simplified in a better way. Whatever you do, be sure to first compare health insurance plans online and take a close look at the fine print before signing up for one.</div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com3tag:blogger.com,1999:blog-6656130070454013254.post-19153863994349652162018-03-26T23:56:00.003-07:002018-07-10T04:14:19.973-07:00How Comparing Travel Insurance Can Increase Your Profit!<div dir="ltr" style="text-align: left;" trbidi="on">
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<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5kZ61da2XqGGpWdOgZS5DbA3dcHpvt3u9J2xx-S14t2DZ_p53KiBC00r1eRk7fcEydEIRk7ZN3VtaOMVLYjh2pP67mQ1icagBVS8MPe3vBfrIY0yijqBFD4pFU4D6k70Dnslk8RqoydoV/s1600/insurance-1991277_960_720.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="675" data-original-width="960" height="280" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh5kZ61da2XqGGpWdOgZS5DbA3dcHpvt3u9J2xx-S14t2DZ_p53KiBC00r1eRk7fcEydEIRk7ZN3VtaOMVLYjh2pP67mQ1icagBVS8MPe3vBfrIY0yijqBFD4pFU4D6k70Dnslk8RqoydoV/s400/insurance-1991277_960_720.jpg" width="400" /></a></div>
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Travel insurance is a very essential aspect of your travel plans. When you buy travel insurance online, it is important to consider all aspects, compare policies and only then sign up for one. This is because, when you compare, contrast and weigh your options, you can actually save a lot and reap many benefits. Here is how you can compare policies so that you, accordingly, choose the best one.</div>
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Understand What the Policy Covers</h3>
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You need to know the kind of policies available and how much of your expenses are reimbursed. Generally, this insurance covers a majority if not all of your expenses whether you have missed a flight, fallen ill or lost your luggage. Read the fine print carefully so that you know what is exactly covered and what is not.</div>
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<h3 style="text-align: justify;">
The Cost of Travel Insurance</h3>
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When purchasing travel insurance online, you need to be sure and check the exact premium amount of every policy. This is because rates differ depending on the insurer you choose. Usually, cost varies according to the duration of your trip, the number of people insured and the location you are heading to. If you want to minimize the policy cost, you can go in for a higher deductible.</div>
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<h3 style="text-align: justify;">
Travel Insurance Features</h3>
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When you compare travel insurance, you can increase your profit by checking coverage options and the kind of premiums you have to pay. This <a href="http://www.voicesinfinance.com/2017/12/quick-tips-to-pick-a-travel-insurance-policy.html" target="_blank">tips will help you choose a policy</a> that is economical and if you are wise in choosing a policy, it helps you save big. In addition to this, you also need to consider the time between booking and paying for a trip and actually taking it. Be sure to check the inclusions and exclusions in a policy, additional coverage and whether your policy can be renewed or extended.</div>
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<b>Additional Reading: <a href="http://www.voicesinfinance.com/2018/01/risk-going-abroad-without-travel-insurance.html" target="_blank"><i>Know the Risk of Going Abroad without Travel Insurance</i></a></b><br />
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It goes without saying travel insurance is an investment that is sure to offer profitable returns since it acts like a security net and offers peace of mind. As a result, you can enjoy your trip to the fullest without having to worry about unforeseen events.</div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com2tag:blogger.com,1999:blog-6656130070454013254.post-66001266927998622142018-03-21T06:02:00.000-07:002018-07-10T04:02:38.381-07:00Ways to Overcome from Confusion Before Choosing Bike Insurance Online<div dir="ltr" style="text-align: left;" trbidi="on">
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<img alt="https://azcdubvermedia.azureedge.net/media/themes/fab-four/CAPRI/Hero-images/classic-bike-insurance.jpg" class="shrinkToFit" src="https://azcdubvermedia.azureedge.net/media/themes/fab-four/CAPRI/Hero-images/classic-bike-insurance.jpg" /></div>
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If you are purchasing a two wheeler insurance policy, especially for the first time, the new terms used by an insurance agent and the conditions you are overloaded with can be both confusing and overwhelming. The basis of this fear lies in choosing a wrong policy for your two-wheeler. You may be afraid that after going through everything, you may grab hold of one that does not offer you the coverage you need. Here are a few ways to help you get rid of this confusion - so you can choose a good policy.</div>
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1) Conduct Adequate Research </h4>
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Purchasing two wheeler insurance third party requires you to explore and examine your options. See that you conduct a research on the policies available and plan accordingly. Check for premium amounts and benefits offered. Accordingly find a policy that suits your budget and offers adequate coverage.</div>
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2) Do not Fall for Small Deductibles</h4>
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Many potential policy buyers make a mistake by going in for small deductibles, when purchasing their policy online. They believe that this is more advantageous. It is however more lucrative to opt for long lasting policies than choose those lasting a one-year duration.</div>
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<h4 style="text-align: left;">
3) Discounts and Benefits Offered</h4>
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Compare bike insurance online by checking the features of the policy, the discounts as well as benefits offered. Compare premium rates of different policies and examine the bonuses and discounts you are eligible for. This helps you get the best deal that exists.</div>
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<b>Additional Reading:</b> <a href="http://www.voicesinfinance.com/2017/08/basics-student-travel-insurance.html" target="_blank">Student Travel Insurance – Know The Basics</a></div>
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4) Read the Terms and Conditions Carefully </h4>
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You can select the best insurance policy for your bike only when you are fully aware of the fine print as well as terms and conditions of a particular plan. See that you read all of the details of the policy well and take into account inclusions and exclusions.<br />
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Compare bike insurance by taking into consideration these factors. This helps you choose the best and most useful bike insurance online for your two-wheeler.</div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com0tag:blogger.com,1999:blog-6656130070454013254.post-48073733807248065782018-02-27T01:50:00.000-08:002018-07-10T04:14:58.715-07:00Cancer Insurance — Understand How the Policies Work<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiejLiLhyphenhyphenrZtI3Iy2R9GBqoy1mjTPAg8lM3v0EnCruf-ElPMweJsq0Ax1_CQLxdcU3BtQlYgz4CozETKehdFUUH06YYWfzLr_fUeC4hEw6h2J7aXpl1YtJg-ljyE54qnNxolKhgKAxnmHEp/s1600/cancer+insurance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="414" data-original-width="622" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiejLiLhyphenhyphenrZtI3Iy2R9GBqoy1mjTPAg8lM3v0EnCruf-ElPMweJsq0Ax1_CQLxdcU3BtQlYgz4CozETKehdFUUH06YYWfzLr_fUeC4hEw6h2J7aXpl1YtJg-ljyE54qnNxolKhgKAxnmHEp/s1600/cancer+insurance.jpg" /></a></div>
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The manner in which we manage our lifestyle and inevitable stress of everyday life makes us susceptible to various kinds of critical illnesses. Cancer is one such illness that affects the young as well as old and wrecks havoc with your life. Although treatment is available, it can be a costly affair, which can take a toll on your savings. Having the best cancer insurance policy in India ensures you are covered against such pitfalls. Here is how a cancer policy works.
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#1. A Cancer Insurance Policy Works for All Stages of Cancer
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Generally, a cancer insurance policy offers protection for all stages of cancer. It also covers a majority of the prevailing cancers. While there are some plans that do not require you to pay any premium after a diagnosis, there are others that offer a specific amount of income for a certain period. This ensures financial aid for your family.
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#2. The Benefits Offered </h4>
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You need to understand the total benefit under a particular plan as well as the type of benefits you obtain at every stage. You also need to find out whether the sum assured is fixed all through the term or whether it increases every year till it accomplishes a certain fixed limit.
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#3. Other Factors to Keep in Mind </h4>
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<i><b>You need to understand certain aspects before purchasing a policy. These include: </b></i></div>
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<li>The maximum term of the policy and maturity age</li>
<li>The sum insured</li>
<li>The payment schedule and coverage offered</li>
<li>The waiting period and survival period</li>
<li>Duration of the policy </li>
</ul>
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<b>Related Reading:</b> <a href="http://www.voicesinfinance.com/2018/02/things-to-look-before-buying-cancer-insurance.html" target="_blank"><i><b>5 Things to Look Before Buying Cancer Insurance</b></i></a></div>
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You need to carefully read the fine print of any policy before saying yes to one. Now that you are aware of the major aspects of a cancer insurance policy, you have an idea about how the work. This makes it easy to opt for the best cancer insurance plans available.</div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com2tag:blogger.com,1999:blog-6656130070454013254.post-72149890280808113652018-02-21T04:42:00.000-08:002018-07-10T04:15:27.752-07:005 Tips to Insuring your Two-Wheeler<div dir="ltr" style="text-align: left;" trbidi="on">
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Poorly executed traffic rules and the wide availability of potholes and bumps can lead to the downfall of even a skilled rider. Regardless of how well you know to ride a bike, having two-wheeler insurance is imperative.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJKfJ7rBXv9Mtau_fcKB8p32ztE79UQ9rkm7IFMe-mFsOv52j4iicxsV3b2rs6WMCW2yFwHDgG8-4xUObP9VUN96XzgBJd7Fz-PyiwTNfUI27g4HkPMxXytFcw-cBJzNNP5QcfX_x-K_7n/s1600/two+wheeler+insurance.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="495" data-original-width="615" height="513" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhJKfJ7rBXv9Mtau_fcKB8p32ztE79UQ9rkm7IFMe-mFsOv52j4iicxsV3b2rs6WMCW2yFwHDgG8-4xUObP9VUN96XzgBJd7Fz-PyiwTNfUI27g4HkPMxXytFcw-cBJzNNP5QcfX_x-K_7n/s640/two+wheeler+insurance.png" width="640" /></a></div>
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<i><b>Here are a few tips to keep in mind when insuring your vehicle.</b></i><br />
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1) Types of Two-Wheeler Insurance </h4>
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While a comprehensive policy takes into account the damage and destruction caused to your own vehicle as well as that of a third party, a third party two-wheeler insurance policy covers injury and death caused to the third party only. You need to choose between the two wisely. </div>
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2) The Benefits of Add on Covers </h4>
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Sometimes, an insurance policy does not cover everything you want it to. In this case, if you need further coverage, you can choose an add-on cover that protects you and your two-wheeler in a better way. </div>
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3) The No Claim Bonus and its Advantages </h4>
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This bonus is an incentive to promote safe driving. If you have not made a claim in the course of that particular year, you get a discount on your premium known as the no claims bonus. You can get up to 50% discount for consecutive claim free years.</div>
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4) Factors that Affect Premiums </h4>
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The engine capacity, city of registration and model of the bike all affect the premium rate. Generally, higher the engine capacity, higher the premium rate. Premiums are lower on third party policies since coverage is restricted. See that you compare two-wheeler insurance policy well before purchasing.<br />
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5) What your Two-Wheeler Insurance Should Cover </h4>
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You can buy bike insurance online too. You just have to make sure your vehicle covers all the important aspects. Your two-wheeler insurance needs to cover man made as well as natural calamities. It also needs to safeguard your legal interests and should come with a personal accident cover. <br />
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These tips are sure to make owning and riding a two-wheeler convenient and hassle-free.</div>
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<b>Read Also: <a href="http://www.voicesinfinance.com/2018/01/guide-applying-for-motor-insurance-claim.html" target="_blank"><i>A Quick Guide to Applying for a Motor Insurance Claim</i></a> </b></div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com0tag:blogger.com,1999:blog-6656130070454013254.post-33323799097281956242018-02-14T04:42:00.000-08:002018-07-10T04:16:31.231-07:005 Things to Look Before Buying Cancer Insurance<div dir="ltr" style="text-align: left;" trbidi="on">
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Talking about cancer can make even the bravest of individuals shudder and sigh but rather than being afraid of it, you need to be prepared to fight it. One such way of staying ahead of the unexpected is by purchasing the best cancer insurance policy in India. In this way, should the disease strike, you are financially secure to pay for the exorbitant medical assistance and treatment.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjf-yErlkpfDXoWbecYV2VswsNxpdcmnMJqMtjavP_XLwt0cS4CrufxKehRfc6C0Ib1NdkL0zFh1He7KcXmcAGLukZqf-oArbiu1uxldr6RzJTSfkGd6hlDAFVrmyMLT88Pdhz8zrykjk6R/s1600/cancer+insurance.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="270" data-original-width="694" height="248" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjf-yErlkpfDXoWbecYV2VswsNxpdcmnMJqMtjavP_XLwt0cS4CrufxKehRfc6C0Ib1NdkL0zFh1He7KcXmcAGLukZqf-oArbiu1uxldr6RzJTSfkGd6hlDAFVrmyMLT88Pdhz8zrykjk6R/s640/cancer+insurance.png" width="640" /></a></div>
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<i><b>Here are five things to look at before purchasing a good policy.
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1) A Good Sum Insured is a Must
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Medical inflation is constantly increasing and treating a terminal illness in this scenario is costly. The stage of the cancer, its proper diagnosis and effective treatment can take up a major chunk of your life savings. It is important to find a policy that offers a sum insured that blends in with the cost of treatment.
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2) Make Note of the Survival Period, Waiting Period and Fine Prints </h4>
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You need to know the time duration before the policy starts coverage that is the waiting period and after diagnosis, the amount of time the cancer patient has to be alive to make a claim, known as the survival period. Read the fine print before purchasing a policy.
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3) The Duration Period of the Policy
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It is always better to sign up for a cancer insurance policy that is valid for a long duration. This ensures the policyholder is covered in a better way and for a longer time limit while maintaining the same premium.
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4) The Payment Schedule of the Insurance Cover
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Generally, a good cover provides comprehensive coverage for all stages of cancer. For the early stages, around 30% of the expenses are covered and for the later ones, around 70% coverage is offered. The percentage can fluctuate based on the various policies so make sure you choose wisely.
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5) Choosing the Right Policy
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Based on your preferences, you can opt from various insurance policies. These include specialized cancer insurance, term insurance policy with terminal illness benefit, basic health insurance along with critical illness rider. You have to choose the best one based on your budget and personal medical requirements.
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These tips are sure to help you find the best cancer insurance policy in India.</div>
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<b>Additional Reading:</b> <a href="http://www.voicesinfinance.com/2017/11/tips-to-buying-health-insurance-for-parents.html" target="_blank"><i><b>Health Insurance For Parents - Tips To Follow Before Buying</b></i></a></div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com0tag:blogger.com,1999:blog-6656130070454013254.post-4555194664177387152018-01-29T21:27:00.002-08:002018-07-10T04:17:31.460-07:00How You Can Choose the Best Health Insurance Plans for Family?<div dir="ltr" style="text-align: left;" trbidi="on">
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Our lifestyle today revolves around immediate gratification of needs. Coupled with unhealthy food habits and lifestyles, it comes with its fair share of repercussion, That’s why stress, ailments, and diseases are on the rise now more than ever. Since it affects everyone, regardless of age and gender, you need to be well-prepared.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjKiKzTMBPMFUH4GyRDbKtinUzb6FCcm1A7_T9lQwQuu4EMyAq61CqqEsrFowrFXCz4Op9sbUln1rbfQ_AXpyfHY6HkwaIoeZmj_aqF3a1x-_zIEOnf_bxMshBabSJxCg02ojB10dKOSxuf/s1600/insurance+plan+for+family.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="593" data-original-width="658" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjKiKzTMBPMFUH4GyRDbKtinUzb6FCcm1A7_T9lQwQuu4EMyAq61CqqEsrFowrFXCz4Op9sbUln1rbfQ_AXpyfHY6HkwaIoeZmj_aqF3a1x-_zIEOnf_bxMshBabSJxCg02ojB10dKOSxuf/s400/insurance+plan+for+family.png" width="400" /></a></div>
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Family health insurance plan comes as a savior as it protects the entire family should a medical emergency strike and also helps keep your finances in check. </div>
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<i><b>Here is how you can choose the best insurance plan for your family.</b></i></div>
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1) The Number of People You Want Insured</h4>
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A family floater health policy proves to be much more convenient and cost-effective than individual plans, especially if you have a comparatively big family. It covers the individual, spouse, and children while there are some other plans that cover dependent parents, parents-in-law, and siblings as well.</div>
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2) Check for Lower Premiums</h4>
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There are certain insurance plans for the family that are suitable for young families. In these situations, premiums are lower. When you invest in a suitable family floater plan, at the right time and age, the premium amount can drastically reduce. </div>
<h4 style="text-align: left;">
3) Check for the Benefits Offered</h4>
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When searching for and buying a suitable health insurance plan, make sure you check the benefits offered. Ambulance cover, day care benefits, minimal exclusions, pre and post hospitalization cover, diseases covered and in-patient hospitalization cover are some benefits you can look for.</div>
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4) The Cashless Claim Service</h4>
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All health insurance companies tie-up with a network of hospitals after negotiating rates and checking quality. When you make a claim, the insurer directly settles the claim by making the payment on your behalf. Making sure that this cashless service is applicable to a range of hospitals all across India is imperative.<br />
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In today’s times when ever soaring medical expenses are on the rise, having good health insurance plans for family is a must. It is a necessity more than a luxury. Make sure you choose the coverage amount smartly and the sum insured accurately. Check premium rates, maximum returns, reviews, and benefits offered at insurance aggregator sites and only then make your choice.</div>
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<b>Read Also</b><i><b>: <a href="http://www.voicesinfinance.com/2017/11/tips-to-buying-health-insurance-for-parents.html" target="_blank">Health Insurance For Parents - Tips To Follow Before Buying</a></b></i></div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com1tag:blogger.com,1999:blog-6656130070454013254.post-29945231359743462072018-01-15T03:06:00.000-08:002018-07-10T04:19:06.299-07:00A Quick Guide to Applying for a Motor Insurance Claim<div dir="ltr" style="text-align: left;" trbidi="on">
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If you have the unfortunate experience of meeting with a car accident, you need to begin the motor insurance claim process right after the accident. Whether the accident involves collision with another vehicle, damage, knocking over a pedestrian or causing the death of another person, it can be extremely stressful and traumatic. However, you need to keep your emotions aside and begin the <span id="goog_1164139850"></span>motor insurance claim<span id="goog_1164139851"></span> filing process so that at least part of your woes can be addressed.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhsd_376uEpUqE2pRgiS4PfbHnjsup__eKHo6HYNHL7eGthjcARzbntB-3AKPnk1daa9njYZrLN_vkYfMxXF5ZBX6ycTcC5FiASwbVrTAV_V-N_4BS7Nis_tvBqrCdy6JB6Ky5Pcf-3TdzA/s1600/Car+Insurance+Claim.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="764" data-original-width="1121" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhsd_376uEpUqE2pRgiS4PfbHnjsup__eKHo6HYNHL7eGthjcARzbntB-3AKPnk1daa9njYZrLN_vkYfMxXF5ZBX6ycTcC5FiASwbVrTAV_V-N_4BS7Nis_tvBqrCdy6JB6Ky5Pcf-3TdzA/s1600/Car+Insurance+Claim.png" /></a></div>
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Steps to Take After Car Accident to Make a Claim</h3>
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<i><b>Any car insurance claim advice will tell you to take the following measures:</b></i></div>
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1) Collect the Details</h4>
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Take down notes with regard to all the relevant information that you see at the accident site. Even if you observe something minor, don’t neglect it. Jot it down. Click photographs with your mobile phone of your car and the other vehicle. Also, click photographs of the accident site. Remember, it is important to record and note the minutest of details as they can make a huge difference to your claim application being approved or denied. </div>
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2) Get Details of the Witnesses</h4>
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Ask eye witnesses for their phone number and address. These witnesses can corroborate your story if it was not your fault when you file a claim against your car insurance policy. Basically, the insurance company will get in touch with them if they want to find out the actual cause of the accident. </div>
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3) Record the Nature of Your Injury </h4>
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In case you were injured in the accident, record the nature of your injury. If possible, click photographs of the injury and make sure you keep all treatment and medical records related to the injury carefully.</div>
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4) Get the Case Number from the Police </h4>
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If the police were called to the accident site, and they register a case, get the case number and a copy of the FIR from the police. Without an FIR and police records, your motor insurance claim may get rejected. </div>
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<h4 style="text-align: left;">
5) Get Insurance Details of the Other Party</h4>
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If you have had a collision, get the insurance details of the other vehicle owner. This will allow your insurance provider to get in touch with the other person’s provider to amicably sort out the problem. </div>
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<h4 style="text-align: left;">
6) The Next Step </h4>
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Remember, it is important to stay calm after an accident. Otherwise, you will forget to jot down important details. Once you have the information listed above, get in touch with your insurance provider and let them know about the accident. Follow the procedure as mentioned in your motor insurance policy to ensure you get the claim in the quickest time possible.</div>
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<b>Read Also:</b> <a href="http://www.voicesinfinance.com/2018/06/when-to-file-and-when-to-avoid-car-insurance-claim.html" target="_blank"><i><b>Car insurance Claim: When to File and When to Avoid?</b></i></a></div>
<img class="informenter-marker-hide" id="informenter-marker-id" src="moz-extension://3a5e9d7b-82ec-4f50-87a9-316bc8bff13d/img/informenter-marker-1.png" title="Right click to shift" /></div>
Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com0tag:blogger.com,1999:blog-6656130070454013254.post-10481194996861605492017-12-13T04:58:00.000-08:002018-07-10T04:20:20.155-07:005 Quick Tips to Pick a Travel Insurance Policy<div dir="ltr" style="text-align: left;" trbidi="on">
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Almost everyone loves to travel. However, in between booking flight tickets, making hotel reservations and adding things to you to-do list, you need to pick a good travel insurance policy too. Finding the best travel insurance policy online not only helps you take care of the medical expenses that arise, on account of an unexpected illness or injury, but it also looks after reimbursement for theft of documents, luggage and belongings. </div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJTU2_DJmxESGZ_wP-SGxXViw0-D-81xaj9Llu_1UavDF6AwY5kIaRbTeGHYeCMfj0XPRVCqkNqYJ1_AU3umzo84hmGVFpbFxi0B18w-1M_lRXOvPNsfeltGrY1jFC9_0OpNA2e9B_NOZs/s1600/insurance-1991213_960_720.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="667" data-original-width="960" height="444" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiJTU2_DJmxESGZ_wP-SGxXViw0-D-81xaj9Llu_1UavDF6AwY5kIaRbTeGHYeCMfj0XPRVCqkNqYJ1_AU3umzo84hmGVFpbFxi0B18w-1M_lRXOvPNsfeltGrY1jFC9_0OpNA2e9B_NOZs/s640/insurance-1991213_960_720.jpg" width="640" /></a></div>
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Here are 5 quick tips to help you pick a suitable travel insurance policy.
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<h4 style="text-align: justify;">
1) Check the Kind of Cover It Offers</h4>
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You need to understand whether you obtain reimbursement at a later stage or the expenses are looked after in an honest manner. Verify the limits on the covers provided and also make note of the deductible types prior to any purchase.
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2) Be Aware of Your Wants</h4>
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You need to understand the type of cover that suits your needs best. You need to realize what all is covered by a standard plan. See if you are covered at the destinations you plan to visit. Only when it is and your requirements are met, go ahead and finalize a policy.
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3) Go in for Individual Travel Policies</h4>
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Although you may get a great offer if you purchase a travel policy for the entire family, the sum insured is limited to a certain amount. After all, it is shared by many members. Go in for individual travel plans to obtain a better cover. </div>
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<b>Read Also :-</b> <a href="http://www.voicesinfinance.com/2018/01/risk-going-abroad-without-travel-insurance.html" target="_blank">Know the Risk of Going Abroad without Travel Insurance</a></div>
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4) Check Age Limits and Medical Conditions</h4>
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There are certain policies that do not cover people above 65 years of age and there a few others that do not provide cover for already existing medical conditions. Inspect medical exclusions and the age limits of a policy before signing up for one.
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5) Compare and Contrast</h4>
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When you buy travel insurance online, you need to compare different policies. Check their premium rates and the kind of coverage they offer. Make certain you are aware of the cover limits and deductibles. Only when you have verified the cover and understood the fine print, it is perfectly alright to go ahead with the purchase.
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Keeping these factors in mind and purchasing a good travel insurance policy ensures your overseas trip can b enjoyed without any worry.</div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com0tag:blogger.com,1999:blog-6656130070454013254.post-7709847993998013442017-12-13T04:35:00.002-08:002018-07-10T04:21:00.727-07:00Why Renewal of Health Insurance is Beneficial Rather Buying New Policy?<div dir="ltr" style="text-align: left;" trbidi="on">
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Maintaining your health insurance policy and renewing it from time to time has never been easier, thanks to the emergence of modern technology’s new era. Rather than purchasing a whole new policy, it is best to renew your existing individual health insurance as it can be done so in a convenient and easy way.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZ0xnzU2SvCGFlYoJY3riMS7IF83X6eDmO_zuwF2TKKqejyrsmENzw4p6iaHFv_0DgNeSjthpybfer6dROy-DSAu84onOezyUbpaLJYhFJp81upTczUAMYT4L65Aviu74pZKDKJS9FH6Bd/s1600/17307624302_5bcefdccf3_b.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="618" data-original-width="1024" height="385" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiZ0xnzU2SvCGFlYoJY3riMS7IF83X6eDmO_zuwF2TKKqejyrsmENzw4p6iaHFv_0DgNeSjthpybfer6dROy-DSAu84onOezyUbpaLJYhFJp81upTczUAMYT4L65Aviu74pZKDKJS9FH6Bd/s640/17307624302_5bcefdccf3_b.jpg" width="640" /></a></div>
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Benefits of Renewing an Insurance Policy</h4>
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<li><b>Money and Time are Saved: </b>You save on time as well as money when you renew your policy online as you have to get in touch with the insurance agent at the time of his/her convenience or need to personally visit the insurance company.</li>
<li><b>Can Conduct Online Research:</b> You can conduct an online research of various health insurance products by sitting in the comfort of your home. You can then decide if you want to renew the existing policy or go for another one.</li>
<li><b>Instant Health Insurance Renewal:</b> You needn’t worry if your policy is nearing its expiry date as you can benefit from instant health insurance renewal online. In this way, your family is well covered all the time.
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Health Insurance Renewal: A Must</h4>
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Health insurance for individual people need to be renewed on time. You must closely monitor when your insurance is heading for its expiry date.
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At the time of renewal, make sure you take advantage of additional benefits such as no claims bonus and check whether you need to increase the premium amount.
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If you do not like the insurance policy and the service it offers, you can opt for a change in the insurance company or policy at the time of renewal. You can even claim the no-claims bonus if you are eligible for it.
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You can add or take away the names of any family member, if you want to, at the time of renewal.
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If you do not renew your policy in time, you may be at risk as you won’t be covered for any health problem until you opt for another policy. It is always better to carry on with your existing policy if you are happy with it. Otherwise, opt for a new one at the time of renewal.</div>
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<b>Read Also :-</b> <a href="http://www.voicesinfinance.com/2017/11/tips-to-buying-health-insurance-for-parents.html" target="_blank">Health Insurance For Parents - Tips To Follow Before Buying</a></div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com0tag:blogger.com,1999:blog-6656130070454013254.post-74649980991862052362017-11-21T02:47:00.000-08:002018-07-10T04:22:00.786-07:00How Travel Insurance Can Keep You Out of Trouble?<div dir="ltr" style="text-align: left;" trbidi="on">
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Insurance is the key to achieving peace of mind because when you know you are totally safe in case of an emergency you can enjoy your holiday trip in a more relaxed manner. It’s not a pessimistic thought because logically a lot of things could go wrong during a tour and when it does, it helps to stay prepared to face the expenses.</div>
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When you buy travel insurance online, you safeguard yourself against several unforeseen circumstances and it will ensure you can come back to your home country without minimum hassles.
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1) Medical Emergencies </h4>
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Medical emergencies occur randomly, not just for elderly people but even for children and middle-aged individuals. If you quickly want to come back, get admitted in a local hospital abroad, you can do so as it will be covered by travel insurance.</div>
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2) Lost Baggage or Passport<b>
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Instead of feeling completely lost, you can actually continue your trip when you lose your baggage on the way. The company will provide the basic necessities until your bags are found and returned. The value will be compensated if your baggage cannot be retrieved.</div>
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Losing your passport could be a nightmare! Insurance companies connect you with the right personnel in a foreign land, keep you safe and help with temporary solutions until your passport is found.<br />
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3) Flight Delays, Cancellations
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In prepaid holiday trips, a canceled flight by a single airline could disrupt your entire trip. The <a href="http://www.voicesinfinance.com/search/label/Travel%20Insurance" target="_blank">travel insurance</a> policy online will compensate such an emergency to re-book another flight. This will allow you to continue traveling while safeguarding you against such unplanned expenses.
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4) Natural Calamities</h4>
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An unabated rainfall, volcanic explosion or earthquake could occur in your proposed location. If you don’t insure yourself, you can lose everything you paid because airlines and tour operators may not refund the money stating the natural calamity as a reason.
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It need not be a calamity always because change in political scenario, terrorist attack and civil protests may force you to cancel your trip. An insurance provider will come to your rescue during such crisis and will repay the money you paid for your holiday trip. In short, travel insurance will definitely keep you out of trouble and ensure a safe trip.</div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com0tag:blogger.com,1999:blog-6656130070454013254.post-48551419903524061772017-11-20T05:33:00.000-08:002018-07-10T04:24:05.976-07:00Health Insurance For Parents - Tips To Follow Before Buying<div dir="ltr" style="text-align: left;" trbidi="on">
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Aging is inevitable, and as people age they are prone to various health issues. Blood pressure, thyroid, cataract, deafness, skin allergies, diseases affecting major organs, etc., are just some common ailments more likely to affect a senior citizen than a younger person. Children looking to care for their parents may not be able to prevent the illnesses, but they sure can purchase health insurance for parents. An insurance can be considered a gift or a safety net to cover any expenses that may occur due to age, negligence or an accident.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgohDnUySMYon33vdRaVwoGDGsaz9wdm26LuVa3OQB4SE2Uf4GAhhDBnnFSxDK40IQUYekBuxQuA0o6MFGdZvWac2FRlIjTtggA1i8mwUBpixVT0azpGBwa0vchSGAKGFRWQX4twnRBSZUj/s1600/insurance-1991276_960_720.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="675" data-original-width="960" height="450" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgohDnUySMYon33vdRaVwoGDGsaz9wdm26LuVa3OQB4SE2Uf4GAhhDBnnFSxDK40IQUYekBuxQuA0o6MFGdZvWac2FRlIjTtggA1i8mwUBpixVT0azpGBwa0vchSGAKGFRWQX4twnRBSZUj/s640/insurance-1991276_960_720.jpg" width="640" /></a></div>
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However, before purchasing a health insurance for parents above 60, there are certain factors to be kept in mind. These will affect the premium paid and insurance cover received.<br />
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1) Know the Factors Affecting Premium Rate</h4>
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No two companies or insurance policies will charge the same premium rate. The reasons are usually attributed to medical history, age of the policyholder, and incomes. Knowing these factors will help decide the cover and the premium a person is expected to pay. <br />
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2) Medical Examinations are a Must</h4>
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A health insurance for parents will not be available without a slew of medical tests. The broker or mediator will give you a list of the tests to be done for the policy being sought. Getting them done is mandatory and the results will affect the cover as well as annual premium to be paid.<br />
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<b>3) Pre-Existing Health Conditions will Draw a Higher Premium</b><br />
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A pre-existing health condition will also affect the insurance cover and the premium. For example, a person with high blood pressure is more likely to suffer from a heart ailment, and therefore, an insurance company will ask for a higher premium to cover the ailment, or not cover the condition under the plan.<br />
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4) Affordable yet Premium Quality Cover</h4>
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A health insurance for parents offering a higher level of services is better, even if the cost is a little higher. As said earlier, illnesses are inevitable, a smaller sum paid yearly can save a whole amount of worry and cash payments at the time of hospitalization. <br />
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5) Copay Matters</h4>
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Patients have to pay a specific amount as copay to the doctors at the time of treatment. Co payments generally vary from one service to another even if they belong to the same plan. So, go for the plan that asks for the lowest copayments.<br />
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6) Policy Renewals</h4>
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The conditions to renew a health policy for parents should also be taken into consideration while hunting for an effective health insurance. It is advisable to select a policy allowing for renewals without annual medical tests, or decrease in the number of ailments covered. This will cover parents’ health risks and associated expenses for a long period. <br />
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7) Other Factors to Consider</h4>
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The list of hospitals accepting the policy of the insurance company long with cover for costs with regard to physician visits and home care facilities should be taken into consideration. Check if ambulance and wheelchair costs are covered by the policy.<br />
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Health insurance for parents is a necessity, and research on the above factors will help choose one that provides maximum comfort in time of need. Compare different policies on aggregator websites, check the standing of the company and the cover offered.<br />
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<b>Read Also: </b> <a href="http://www.voicesinfinance.com/2017/09/health-insurance-plans-for-parents-above-60-years.html" target="_blank"><b><i>Six Best Health Insurance Plans for Parents Above 60 Years</i></b></a></div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com0tag:blogger.com,1999:blog-6656130070454013254.post-928963089264136872017-10-25T05:32:00.001-07:002018-07-10T04:25:02.375-07:00Top 5 Maternity Insurance Policies in India<div dir="ltr" style="text-align: left;" trbidi="on">
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Maternity is a life changing experience for a couple but the rising cost could intimidate you and tamper the joyous occasion. By choosing to buy maternity insurance online and staying prepared for the situation will ensure it becomes a memorable moment forever.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3KEw82dBGk9p-nyePWnpIbazu8P6p7QvJIibgTZ_Q_ZziboCs214ihddmMYhdTHdzXhsSNApUq_tymF4Ciawb1tQD9V93fPfF8yM7es5S_3ZyNlrelaGBqMLWXsVPQ3TSfTQEsBHhhq7j/s1600/adult-baby-background-bump-41286.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1067" data-original-width="1600" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3KEw82dBGk9p-nyePWnpIbazu8P6p7QvJIibgTZ_Q_ZziboCs214ihddmMYhdTHdzXhsSNApUq_tymF4Ciawb1tQD9V93fPfF8yM7es5S_3ZyNlrelaGBqMLWXsVPQ3TSfTQEsBHhhq7j/s640/adult-baby-background-bump-41286.jpeg" width="640" /></a></div>
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How maternity insurance works?</h3>
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Most health insurance policies have an additional clause that allows individuals to cover maternity expenses. Many corporate companies provide it as a benefit for their married women employees because an individual maternity insurance policy is more valuable and reliable than a joint coverage policy.<br />
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The coverage generally includes hospitalization for up to 30 days, room charges, operation procedure expenses, consultation fee and associated medical expenses. Each company provides a different solution and this top 5 maternity insurance policies in India should match the requirement of most people.</div>
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Star Health Pregnancy Cover</h4>
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Star Health insurance is a popular brand in the medical sector. Their pregnancy cover includes every essential expense including surgical procedure for complications and they provide maximum coverage of up to 10 lakhs.</div>
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Max Bupa Heartbeat Family Floater</h4>
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Heartbeat Family Floater plans are common in most policies and the one offered by Max Bupa has three variants, silver, gold and platinum to choose from. All three offers pregnancy coverage up to two deliveries and covers child vaccination expenses after birth.</div>
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Royal Sundaram Total Health Plus</h4>
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Total Health Plusis a complete solution from Royal Sundaram. However, the maximum sum availed is less compared to other policies at Rs. 50,000. While it covers every expense, the policy can be availed only after three years since inception and is an ideal choice only for planned pregnancy.<br />
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Cigna TTK ProHealth Plus</h4>
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Cigna TTK ProHealth Plus is a reliable policy which has a couple of benefits including vaccination cover and up to Rs. 25,000 for caesarian delivery. The policyoffers coverage up to Rs. 10 lakhs but can be availed only after two years.<br />
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Apollo Munich Easy Health Family Floater</h4>
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Apollo Munich is one of the top brands and is one of the best maternity insurance policy online. Individuals can choose between three different types. The premium plan, the most beneficial of them all is a comprehensive insurance policy as it covers both pre and post pregnancy expenses.</div>
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Read Also :- <a href="http://www.voicesinfinance.com/2017/09/health-insurance-plans-for-parents-above-60-years.html" target="_blank">Which are The Six Best Health Insurance Plans for Parents Above 60 Years?</a></div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com3tag:blogger.com,1999:blog-6656130070454013254.post-53498734162917668092017-09-15T06:11:00.000-07:002017-09-19T01:52:29.262-07:00Which are The Six Best Health Insurance Plans for Parents Above 60 Years?<div dir="ltr" style="text-align: left;" trbidi="on">
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It is an accepted fact that as parents age, so will the chances of them requiring medical treatment. Whether it is for routine checkups and minor ailments or to safeguard their life in case of medical emergencies, you need to select health insurance for parents.</div>
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It is of utmost importance to read the terms and conditions of a policy to understand the type of medical cover availed. Following are a few factors that must be understood while subscribing for a good health insurance policy for parents or seniors citizen in general. It must be noted that most insurance companies consider people above the age of 60 as senior citizen, or otherwise mentioned in the policy details.<br />
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<b>Entry age</b>: There is no standard guideline for the entry age for <a href="https://www.paybima.com/individual/health-insurance/parents-health-insurance.aspx">health insurance for parents</a>. Most of the insurance companies state 60 years as the entry age limit so comparing different policies will help to gain an idea about the same. Likewise, some health insurers do not specify a maximum entry age so this is helpful for almost all individuals availing a health insurance.<br />
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<b>Sum Assured</b>: Medical bills and expenses will be reimbursed only up to the sum assured by the insurance company. In other words, health insurance will only pay the ‘sum assured’ and additional expenses incurred have to be borne by the insured. This can be solved by availing a cover having higher sum assured value while purchasing health insurance for parents.<br />
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<b>Illnesses Covered</b>: The next important point to understand is the number of illnesses covered including existing illnesses if any. Cover that includes critical or existing illnesses or diseases suffered in past is beneficial.<br />
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<b>Renewal of Policy</b>: To ensure health cover at all times, timely renewal of health insurance for parents must be done before the time frame of an existing policy expires.<br />
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<b>Premium</b>: Medical insurance premium is generally higher for this category as the risk levels are higher. Opt for health insurance for parents with lower premium and it is recommended to go for individual <a href="http://beforeitsnews.com/financial-markets/2017/08/the-7-things-you-need-to-be-consider-before-buying-group-mediclaim-2932118.html">mediclaim policy</a> instead of family mediclaim.</div>
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<b>Hospital Cover</b>: The list of hospitals provided by the insurer must include best medical facilities and services specializing in a range of treatments. Also keeping emergency situations in mind, the list must include such medical facilities in the neighbourhood of an insured. <br />
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<i>Below are a few health insurance policies for parents and senior citizens from various companies:</i></div>
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<li>Silver Health from Bajaj Allianz.</li>
<li>Varistha Mediclaim offered by National Insurance.</li>
<li>Red Carpet Health Insurance from Star Health Insurance.</li>
<li>Optima Restore from Apollo Munich.</li>
<li>Gold from Max Bupa.</li>
<li>Care from Religare.</li>
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<b>Read Also</b> :- <a href="http://www.apsense.com/archive/group-medical-insurance-why-even-smes-should-opt-for-one.html">Group Medical Insurance - Why Even SMEs Should Opt For One</a></div>
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As more and more people lives get busier because of job pressures and living in different cities, spending time and taking care may not always be possible. However, safeguarding the health of one’s parents is essential and therefore a medical cover must be available for medical emergencies. Take help from online aggregator like paybima.com to understand and compare various health insurance plans for parents and remain assured at the time of medical necessities.</div>
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Anonymoushttp://www.blogger.com/profile/10172865307778375973noreply@blogger.com0