Proven Tips and Tricks to Sell Health Insurance Online and Offline

Proven Tips and Tricks for How to Sell Health Insurance Online and Offline –  Selling Insurance is one of the best source of having recurring income and if you are in Health Insurance line than definitely you are doing a great job for the society too by securing their Health risk too. But for an Insurance Agent this is really a very tough task to let people understand about it especially in India and make them understand about the product. Here are some proven Guide to sell your Health Insurance plan both offline and Online effectively.

Scope-

With the rising internet access and a young generation of working middle class professionals reaching the cups of adult life, online Health insurance business is gathering momentum. In mid-2010, when online distribution of insurance policies started, only four insurers were in play. Today, ten life insurers offer online term plans; and six firms focus on online health and motor insurance. Around 34,000 policies a month were sold in 2011, up from 10,000 policies a month in 2010.

Proven Tips and Tricks to Sell Health Insurance Online and Offline-

health Insurance selling tips

health Insurance selling tips

Why prefer to sell ONLINE?

Easy Mode of payment -The new generation of working professionals have become increasingly comfortable with transacting online..For these working professionals, online insurance is the bridge that connects the digital age and the challenges of adult life.

Customer friendly More Beneficial plans – Selling online is 20-25% cheaper as compared to offline selling . This is a big advantage to insurer as it adds to profit of the firm and , customer who is secured  from bearing those miscellaneous Expenses. This helps in attracting more customers online .

Top Companies to promote –

X-Factor Loaded Guide to Sell Health Insurance Plans Online-

Make your plan look Simple , Clear and Beneficial to client : Buying an insurance plan online is more favorable as things are crystal clear in front of buyer with no scope of misleading or cheating .

Additional incentives to attract new customers: When buying online, the prospective client views the products offered online, selects the most suited plans and makes payment directly to the insurer via the use of credit or debit cards.This point is favorable to seller as well as online sale is completely driven by the decisions made by policy buyers .

Customer satisfaction – Once a plan has been sold , you should provide after sales services as well , so that client should not feel thrown away once he has purchased a plan  . You must take feedback to know how much customer satisfaction has been achieved .

Tips and Tricks to  sell Insurance offline ?

 Agent Factor : Health Insurance Plans are generally sold by agents who represent an insurance company. The agent meets with the clients, understands their financial requirement, explains the features of the mediclaim policy and offers the most suited plan to the customer.

The agent remains the sole point of contact between the customer and the insurer and he gets a percentage of the premium generated by him as a commission.

Proper Presentation of plans to customer : Investors are generally unaware of the various technicalities of a mediclaim policy and so during claims, the agents invaluable service overshadows the meager amount of commission paid at inception.

Modify Plans as per needs of customer: Majority of the buyers are unable to understand their needs and quantify them. Here again, agents, equipped with knowledge and intensive training, help to guide the buyers to choose the optimum amount of cover for themselves and their family.

Conclusion-

So , wheather you want to sell a health insurance plan online or offline , common and most important things you should remember is customer satisfaction ,transparency in the health insurance plan,  best suited health policy to your customer which suits his/her budget and is as per his / her  requirement . Keeping these basic things in wing will surely make you achieve your set sales target . 

 

PNB-Oriental Royal Mediclaim Wiki Details,Cheapest Policy-Plans & Benefits Details

PNB-Oriental Royal Mediclaim Wiki Details,Cheapest Policy-Plans & Benefits Details: PNB-Oriental Royal Mediclaim Policy is made for only PNB customers and Punjab National Bank Account Holders will be eligible to take cover under the scheme. This police’s plans are available in all Branches across the country. The policy will be issued in accordance with IRDA guidelines, in the name of PNB with a schedule of names of the Account Holders and Employees of Punjab National Bank including his/her eligible family members. PNB-Oriental Royal Mediclaim Policy is joint venture between India’s leading Bank Punjab National Bank and Oriental Insurance. We are sharing here complete information about PNB-Oriental Royal Mediclaim Policy and their plans and benefit details.

PNB-Oriental Royal Mediclaim Wiki Details,Cheapest Policy-Plans & Benefits Details-

PNB-Oriental Royal Mediclaim Policy-Plans & Benefits Details

PNB-Oriental Royal Mediclaim Policy-Plans & Benefits Details

PNB-Oriental Royal Mediclaim Policy has number of benefits which we are mentioned below:

Benefits:

  1. Room, Boarding and Nursing Expenses as provided by the Hospital /Nursing Home not exceeding 1 % of the Sum Insured or Rs. 5000 per day whichever is less.
  2. C. Unit expenses not exceeding 2% of the Sum Insured or Rs. 10,000 per day whichever is less. Room stay including I.C.U. stay should not exceed total number of admission days.
  3. Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees.
  4. Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Dialysis, Chemotherapy, Radiotherapy, Artificial Limbs, Cost of Prosthetic devices implanted during surgical procedure like pacemaker, Relevant Laboratory / Diagnostic test, X-Ray etc.
  5. Ambulance services – 1% of the sum insured or Rs 1000/- whichever is less.
  6. Hospital Cash: Reimbursement of incidental expenses during the period of hospitalization of the Proposer i.e., the PUNJAB NATIONAL BANK Account Holder only – actual subject to a maximum of Rs.1,000 during the entire policy period.
  7. Reimbursement of Funeral Expenses: In the event of death of the Insured Person due to an insured peril covered under the scope of the Policy the company shall reimburse actual funeral expenses subject to a maximum of Rs.1,000 during the policy period.
  8. Domiciliary Hospitalization: Surgeon, Medical Practitioner, Consultants, Specialists Fees, Blood, Oxygen, Surgical Appliances, Medicines & Drugs, Diagnostic Material and Dialysis, Chemotherapy, Nursing expenses – 10% of Sum Insured, Maximum Rs.25000 during policy period.

PNB-Oriental Royal Mediclaim Policy Features:

  • A Family Floater Scheme.
  • Cover for 4 family members under single premium
  • Age Group covered: 3 months to 80 years.
  • No Medical Examination for entry at any stage.
  • Cashless facility available at a large Net Work of Hospitals. The policy will be serviced by TPAs (Third Party Administrators).
  • Premium much lower and quite comparable with all available health insurance products in the market.
  • Uniform Premium for persons of all age-groups up to 80 years’ age.
  • Cover available for Minimum Sum Insured of Rs.1 Lac, up to Rs. 5 Lac, in multiple of Rs.1.00 Lac.

Time Period PNB-Oriental Royal Mediclaim Policy:

PNB-Oriental Royal Mediclaim insurance policy is issued for a period of one year.

Renewal of PNB-Oriental Royal Mediclaim Policy:

  1. The Company shall not be responsible or liable for non-renewal of policy due to non-receipt or delayed receipt of the proposal form or of the medical practitioners report wherever required or due to any other reason whatsoever.
  2. Notwithstanding this, however, the decision to accept or reject for coverage any person upon renewal of this insurance shall rest solely with the Company. The company may at its discretion revise the premium rates and the terms & condition of the policy every year upon renewal thereof. Renewal of this policy is not automatic; premium due must be paid by the proposer to the company before the due date.
  3. The Company shall not ordinarily deny the renewal of this policy unless on moral hazard grounds of the insured such as intentional misrepresentation / malicious suppression of facts intended to mislead the Company about the acceptability of the proposal, lodging a fraudulent claim and such other intentional acts of the insured / beneficiaries under the policy, subject to policy terms.

Sum of Insured: The Company’s liability in respect of all claims admitted in during the period of Insurance shall not exceed the sum insured opted under the policy.

Special Discount for PNB Customer on Motor Insurance Policy:

  1. 40 % discount on Indian Motor Tariff 2002 rates for private cars.
  2. 30% discount on Indian Motor Tariff 2002 rates for commercial vehicles.

Other Products: 

  1. Personal Accident – Individual
  2. Householders Insurance Policy
  3. Overseas Mediclaim Employment and Study
  4. Shopkeeper’s Insurance Policy
  5. Kissan Package Insurance
  6. Nagrik Suraksha Policy
  7. Electronic Equipment Insurance Policy

We are sharing here complete information about PNB-Oriental Royal Mediclaim Policy-Plans & Benefits Details but if you not sufficient and want information in more details then just follow this link.

Must Check-

Oriental Insurance Company Wiki-Plans, Policies, Products, Benefits

Oriental Insurance Company Wiki-Plans, Policies, Products, Benefits: Oriental Insurance Company is a India’s leading insurance company provides insurance policies and plans for Motor Insurance, Personal Accident, Individual Mediclaim, Shopkeeper and Householders. The Company was a wholly owned subsidiary of the Oriental Government Security Life Assurance Company Ltd and was formed to carry out General Insurance business. The Company was a subsidiary of Life Insurance Corporation of India from 1956 to 1973. In 2003 all shares of our company held by the General Insurance Corporation of India has been transferred to Central Government. The company’s main headquarter in New Delhi and nearly 1800 to above offices in various cities of the country. The company also give services in overseas – Nepal, Kuwait and Dubai. The company has total 14,000 to above employees. We are providing here complete information about Oriental Insurance Company, its plans, policies, products and benefits.

Oriental Insurance Company Wiki Details Plans, Policies, Products, Benefits-

Oriental Insurance Company Wiki-Plans, Policies, Products, Benefits

Oriental Insurance Company Wiki-Plans, Policies, Products, Benefits

1. Motor Insurance Policy: Oriental Insurance offer Comprehensive Motor Insurance products that provide the added protection for your vehicle. It further provides cover for liability, death or property damage of third parties.

Benefits:

  • Accidental Loss of or damage to the Vehicle
  • Liability to third parties, Personal accident covers to owner driver.
  • Various Add on Covers on extra premium

2. Personal Accident Insurance Policy: This policy provides compensation in the event of insured sustaining injuries, solely and directly from an accident caused by violent, visible and external means, resulting into death or disablement is it temporary or permanent. There are some additional benefits available without payment of additional premium like Cumulative Bonus, Children Education Fund, and Reimbursement of expenses for the carriage of the dead body. There is a discount for family package cover plan.

Benefits:

  • Intentional self injury,
  • Suicide or attempted suicide,
  • Death or disablement resulting from child birth and pregnancy;
  • Accident while the insured is under the influence of intoxicating liquor or drugs;
  • War and allied perils.

3. Individual Mediclaim Insurance Policy: It is a Health cover policy which takes care of medical expenses of sudden illness, accident and surgery. Individual Mediclaim policy will be available to any individual between the ages of 18 to 80 years for treatment taken in India. An individual can also get his family cover by way of family package cover.

Benefits:

  • Inpatient hospitalization expenses in India due to disease/accident.
  • This health policy covers citizens aged from 3 months to 80 years.
  • The sum insured available ranges from Rs.50000/- to Rs.500000/-
  • Pre-existing diseases are covered from the fifth year policy provided the renewals are done without break in insurance and all the renewals are with Oriental Insurance Company.
  • A proposer can take the policy for himself and or for his family members.
  • Wherever family members are covered, a discount of 10% in premium is available.
  • Pre acceptance medical examination is not required if the beneficiaries are below 45 years of age.
  • The premium under the policy is eligible for Income Tax benefit under section 80D.

4. Janata Personal Accident Policy: This policy covers accident caused by outward violent and visible means and such bodily injury within the twelve calendar months of its occurrence is the sole.

Policy covers:

  • Any existing disability.
  • Death injury or disablement due to intentional self injuries, suicide or attempted suicide.
  • Disablement or death under influence of liquor or drug.
  • Death or disablement during racing, shooting, big game hunting, mountaineering, ice hockey, winter sports.
  • Breach of law with criminal intention.
  • War group of perils.
  • Nuclear group of perils.

5. Oriental Insurance Overseas Mediclaim Policy: This policy gives comprehensive cover for you and your family when you globe trot. We want your trip to be stress-free so we cover you against medical and other financial emergencies that may incur during your travel.

Benefits:

  • Policy covers the medical expenses while the beneficiary is outside the Republic of India.
  • It covers medical expenses both as inpatient as well as outpatient while in a foreign country.
  • The sum insured available ranges from Rs.50000 to Rs.500000.
  • Cashless settlement is provided through our Overseas Services Provider

6. Shopkeeper Insurance Policy: It covers all the probable risks and perils faced by small to medium sized shop owners. It provides protection for the property and the interests of the Insured in the business venture.

Benefits:

  • Loss to the Building. Perils as per Standard Fire & Special Perils Policy including Earthquake Risk.
  • Loss to the Contents. Perils as per Standard Fire & Special Perils Policy including Earthquake.
  • Loss/damage to contents by Housebreaking excluding where any partner or any employee of the insured or member of the insured family is concerned as principal or accessory.
  • Loss/damage to pedal cycle as per Standard Fire & Special Perils Policy including house breaking or theft.
  • Accidental breakage to fixed plate glass in the insured building.
  • Loss or damage to Neon sign .Fire, lightning external explosion.
  • Loss/Damage to personal baggage of the Insured and accompanied baggage related to the trade.
  • Electronic Equipment including Personal computers, CCTV and related equipments.
  • Legal liability of Insured to his employees as per WC Act.
  • Break down of appliances installed in the shop such as AC, Refrigerator etc.

7. Householder Insurance Policy: The policy offers comprehensive protection for your home and its contents against a variety of risks. This is a composite policy spilt into ten sections covering number of contingencies and minimum of three sections are necessarily to be taken.

Benefits:

  • Loss to the residential building, household goods & personal effects – as per Fire Policy + Earthquake Risk.
  • Loss or damage to Jewellery, Valuables etc. due to accident or misfortune
  • Accidental breakage of fixed plate glass
  • Damage to electrical appliances due to electrical or mechanical breakdown.
  • Loss by Fire & allied perils Housebreaking / Theft
  • Loss to accompanied baggage by accident or misfortune
  • Legal liability of the Insured to the public for bodily injury or accidental death

8. Family Health Care Insurance Policy: This is the new insurance policy introduced by Oriental Health Insurance.

Benefits: 

  • Room, Boarding and Nursing Expenses as provided by the Hospital /Nursing Home.
  • Intensive Care Unit Expenses as provided by the Hospital /Nursing Home.
  • Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialists Fees
  • Anaesthesia, Blood, Oxygen, Operation Theatre Charges, Surgical Appliances, Medicines & Drugs, Diagnostic Material and X-Ray, Dialysis, Chemotherapy, Radiotherapy, Cost of Pacemaker, Artificial Limbs & and similar expenses.
  • Ambulance services charges as defined hereinafter under
  • Attendant allowance as hereinafter defined under

9. Nagrik Suraksha Policy: This policy offers Personal Accident cover and reimbursement of Hospitalization Expenses as specified under the schedule of insurance of the policy. The policy is available only to the citizen of India.

Benefits: 

  • Cumulative Bonus
  • Carriage of Dead Body and Funeral Charges
  • Education Fund
  • Loss of Employment

Here we provide the complete information about Oriental Insurance Plans and Polices and their benefits. If you want more information then you can visit official website.

Must Check-

INR 12/year Accidental Death Cover 2 Lakh Reviews,Benefit PMSBY

INR 12/year Accidental Death Cover 2 Lakh Reviews,Benefit PMSBY-Online Purchase and Registration of Pradhan Mantri Suraksha Bima Yojana PMSBY Wiki |INR 12/year Accidental Death Cover 2 Lakh | Budget 2015 Serious Towards health – In budget 2015 it was good to know that New Indian government are taking steps towards Cheap health Insurance and Accident cover at very low rate and reasonable price. In 2015 Budget Arun Jaitley announced that a premium of INR 1 will be deducted from all the Accounts open under Pradhan Mantri Jan-dhan yojna and all will be benefited of 2 lakh Accidental health Insurance cover automatically. It seems out to be a good and sharp step towards making Indians safe and tension free. lets study more about this Accidental policy here.

INR 12/year Accidental Death Cover 2 Lakh Reviews PMSBY (Pradhan Mantri Suraksha Bima Yojana) –

Cigna Ttk Vs Religare Vs Star Health Companies Reviews-Best Insurance Companies in India

Cigna Ttk Vs Religare Vs Star Health Companies Reviews-Best Insurance Companies in India

Insurers under the soon-to-be launched Pradhan Mantri Suraksha Bima Yojana will be covered for an accidental death risk of Rs 2 lakh for a premium of just Rs 12 per year that will be debited from their bank account under the PMJDY.

In this Indian Government will continue to give a maximum of IN 1000 contribution every year per account too.

Now a lot of queries are rising that whether Normal accounts will be benefited by this Yojna or not? This still seems to be a difficult question.

But we will continue to guide you more towards this latest news regarding Insurance sector in India.

Will Simple general Accounts will be benefited under Government insurance plans-

As i said this is still under consideration and till than normal accounts can choose following companies for their Health and Accidental Insurance.

Yes.. Normal Accounts are also getting benefited with it. This is confirmed as my ICICI Online account is showing the way to get it Online too. 

A little snap shot from my ICICI Account is below and I am just proceeding with this INR 12 accidental Insurance per year..

ICICI INR 12 Accidental Insurance

ICICI INR 12 Accidental Insurance

Just Click on First One.. pay just INR 12 and get added to this scheme.

You will get your policy document by email.

Details you Need to have in this Accidental Policy.

Documents Required-

 

Fill all steps written above wisely and than apply for your Accidental policy.

INR 12 will be automatically deducted from your account after you proceed with transaction.

Similarly you can go to your Online Bank account of any other bank and get benefited by this too.

Cigna Ttk Vs Religare Vs Star Health Companies Premium Calculator,Reviews

Cigna Ttk Vs Religare Vs Star Health Companies 2015 Premium Calculator,Reviews Best Insurance Companies in India: According to a report, in India, there are 17 Private Insurance companies who do business in General Health Insurance along with Health Insurance, 4 Public Sector biggies and 4 stand alone insurance companies whose core business in only Health Insurance. We are sharing here complete information about Cigna Ttk Vs Religare Vs Star Health Companies Reviews and Best Insurance Companies in India. After reading this post, you can easily decide which company is best for taking life and Health Insurance Company. » Read more

Religare Health Insurance Wiki-Benefits Details, Plans, Policies,Hospitals

Religare Health Insurance Wiki-Benefits, Plans, Policies, Hospitals: Religare Life Insurance is a private sector company offers insurance products for financial planning and life insurance in India. Religare Health Insurance is partnered with AEGON, Religare and Bennett, Coleman & Company. The company provided a variety of products and services to its customers such as insurance plans, health insurance plans, unit-linked plans, savings plans and child plans. The company is limited is a specialist health insurer engaged in distribution and servicing of health insurance products and their shareholder comprise three strong entities: Religare Enterprises Limited, Union Bank of India and Corporation Bank. We are providing here complete information about Religare Health Insurance Plans, Policies, Benefits and Hospital comes under this foundation.

Religare Health Insurance Wiki-Benefits Details, Plans, Policies,Hospitals-

Religare Health Insurance Wiki-Benefits, Plans, Policies, Hospitals

Religare Health Insurance Wiki-Benefits, Plans, Policies, Hospitals

Religare Health Insurance is promoted by the founders of Fortis Hospitals, which manages 68 hospitals in India and SRL Diagnostics which is Asia’s largest network of diagnostic labs with over 1100 collections centers and Religare wellness a nationwide chain of stores offering pharmacy and wellness products. This association enables us with an in-depth understanding of consumer behavior and healthcare delivery, thus making us capable of superior claims servicing to our customers.

Religare Health Insurance has more than 1500 employees, 6500 financial and life advisers with 70 branches across the country.

Their Shareholder Compromises three entities: Religare Enterprises Limited, Union Bank of India, Corporation Bank.

Religare Enterprises Limited:

Religare Enterprises Limited is a financial services group offers brokerage, health & life insurance, asset management, Small and medium enterprises lending, wealth management, institutional equities and investment banking services. It has one million to above clients in India and 2200 offices in 550 cities and company’s main office in New Delhi, India.  Religare has number of subsidiaries:

  1. Religare Securities Ltd (RSL)
  2. Religare Commodities Ltd
  3. Religare Finvest Limited (RFL)
  4. Religare Capital Markets Ltd (RCML)
  5. Religare Health Insurance Company Limited (RHICL)
  6. Religare Wealth Management Ltd

Union Bank of India:

Union Bank of India is one of the largest government-owned banks of India and all the bank’s branches have been networked with its 6420 ATMs. Their online Telebanking facilities are available to its entire Core Banking Customers individual as well as corporate. Union Bank of India was registered on 11 November 1919 as a limited company in Mumbai. The bank also provides service in overseas like Abu Dhabi, United Arab Emirates, and Shanghai, Peoples Republic of China. At present, the offshore banking operations of Union Bank of India are led by its branches in Hong Kong and newly opened branch in Dubai at Dubai International Financial Centre.

Corporation Bank:

The corporation bank is one of the oldest banks in India. This is a public sector banking company headquartered in Mangalore, India and it has pan-India presence with 8,000 functional units comprising 3200 branches, 3200+ ATMs and 4,000 branchless banking units as of 30 January 2015. Corporation Bank completed hundred and seven years of existence on 12 March 2012. On the occasion of 107th Foundation Day celebrations held at TMA Pai Hall in Mangalore, five eminent personalities who made immense contributions to the society were honored by the bank. A new application for internet banking in iPad was launched on this occasion. A new caller tune for the bank for Bank’s mobile/landline phones was also inaugurated in the function.

Religare Health Insurance Hospital Network:

Their strong association with over 4100 to above hospitals in India will ensure hassle free cashless treatment to our customers. For getting information about the hospitals comes under this foundation just Simply follow this link – Religare Health Insurance Hospitals.

After click on link, Religare’s Hospital network page will be open; there you have to select your state and city to getting the address of nearest hospital to you or your home.

Religare Health Insurance Plans and Policies:

The company has number of insurance plans for customer and we are sharing here company;s plans and polices which you can buy:

Health Insurance Plans and Key Specification: 

These plans are make to secure expenses incurred during a medical emergency. The product included in these plans and policies:

Care – Health Insurance Plans Key Specification: In this plan, you will get plan comprehensive coverage, speedy claim settlements and much more.

  1. Cashless treatment at 4100+ hospitals & Daily allowance
  2. Auto recharge of your policy Sum Insured, if exhausted
  3. Get health check-ups for insured members, every year
  4. Avail treatment anywhere in the world
  5. No ‘Claim based’ loading ever & Get Lifetime renewability
  6. No paperwork. Buy & get policy online in 2 mins

Joy – Maternity Focus Health Insurance Plan: This plan covers hospitalization expenses during pregnancy and also addresses your maternity and health needs, for both today and tomorrow.

  1. Cashless treatment at 4100+ hospitals
  2. A perfect blend of hospitalization and maternity insurance
  3. Industry’s lowest ‘Waiting period’ of only 9 months for maternity related claims.
  4. New born baby cover
  5. 100% increase of sum insured with no claim bonanza

Enhance – Top-up Insurance for already Insured: This plan customized deductible health insurance for you and your family. With Enhance, you have that extra safety net of coverage at a significantly lesser premium as compared to any basic insurance plan.

  1. Cashless treatment at 4100+ hospitals
  2. Get health check-ups for insured members, every year
  3. Largest list of day care procedures-170
  4. No ‘Claim based’ loading ever & Get Lifetime renewability
  5. No paperwork required. Buy & get policy online in 2 mins

Assure – Critical Illness Health Insurance Benefit Plan: The plan provides a comprehensive cover for as many as 20 Critical Illnesses along with Personal Accident cover, to take care and offer total peace of mind for you and your loved ones. You get a lump-sum benefit to pay off expenses as you deem appropriate.

  1. 20 Critical Illnesses covered
  2. Includes Accidental Death Cover
  3. With Permanent Total Disability cover also
  4. Avail Health Check-up, every year
  5. Hassle free claim settlement directly by us

Secure – Personal Accident Insurance Plan: The plan has a broad range of features, add-on benefits, hassle-free procedures and thoughtful services, it ensures that the road to recovery is worry-free, making getting back to good health your priority.

  1. Compensates for Accidental death
  2. Also covers Permanent total / partial Disablement
  3. Reconstructive Surgery covered
  4. Child education also covered
  5. Nursing Care

Travel Insurance Plan: The Company brings an extensive travel insurance plan that curbs out the worries of uninvited troubles on your dream family holiday.

  1. Region specific plans hence low cost, High features.
  2. Double Sum Insured in case of hospitalization due to accident.
  3. No per ailment limit. No Upper age limit.
  4. Pay per Day Rates instead of slabs.
  5. Up gradation to Business class.
  6. Cashless claims settlement

Now, you can the best plan and polices for yourself and for your family. For getting more information, then you can visit their official website –  http://www.religarehealthinsurance.com/ or you used to commit call back also by putting form on website.

Must Check-

HDFC ERGO Vs HDFC Life Insurance Wiki,Plans, Policies, Benefits, Covers

HDFC ERGO Vs HDFC Life Insurance Wiki,Plans, Policies, Benefits, Covers: HDFC ERGO is a general insurance company and HDFC Life is a long term life insurance company. ERGO offers complete range of general insurance products ranging from Motor, Health, Travel, Home and Personal Accident in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space. It operates 89 cities with 109 branch offices and it has approximately 1,900 staff-members. HDFC Life is one of the leading life insurance companies in India offering a range of individual and group insurance solutions that meet various customer needs such as Protection, Pension, Savings, Investment and Health Plan and it has about 400+ branches and presence in 980+ cities and towns in India. We are sharing here information about HDFC ERGO and HDFC Life Company, comparison and their plans, policies, benefits and covers.

HDFC ERGO Vs HDFC Life Insurance Wiki,Plans, Policies, Benefits, Covers-

HDFC ERGO: Plans, Policies, Benefits, Covers

HDFC ERGO is a joint venture between HDFC and India’s premier Housing Finance Institution and ERGO International AG. The Company also has a wide distribution network comprising of brokers, retail and corporate agents, bancassurance besides its own direct sales force.

HDFC ERGO Vs HDFC Life Insurance-Plans, Policies, Benefits, Covers

HDFC ERGO Vs HDFC Life Insurance-Plans, Policies, Benefits, Covers

HDFC ERGO Plans & Policies:

1. Motor Insurance Policy: This policy gives an extensive coverage against damage, losses and third party liability. HDFC ERGO Motor Insurance plan ensures that you are hard earned savings do not bear the losses occurred if your vehicle meets an accident or gets stolen or undergoes any mishap on road. This policy offers cashless claim services over 1600 plus authorized garages across India. Motor Insurance Policy has categorized in four different categories:

  • Car Insurance Plan
  • Commercial Vehicles
  • Two Wheeler Insurance
  • Liability Only Policy

2. Health Insurance: ERGO gives the best health insurance plan for you and your family at affordable price. It covers not only hospitalization or sickness but extends to cover pre and post hospitalization expenses, day care procedures, domiciliary treatment and other expenses thus ensuring that your medical insurance policy is always by your side. Seven insurance plans comes under Health Insurance Policy:

  • Health Suraksha
  • Health Suraksha Gold
  • Health Suraksha Regain
  • Health Suraksha Gold Regain
  • Health Suraksha Top Up Plus
  • Critical Illness Insurance
  • Critical Illness Insurance

3. Travel Insurance: Travel Insurance Plan ensure you vacation hassle free. It provide coverage whether you happen to lose your baggage or passport, or whether u need any kind of medical support on your trip, an overseas travel insurance will make sure that you get what you need.

Travel Insurance Plans are:

  • Overseas Travel Insurance
  • Student Suraksha
  • Family Travel Insurance

4. Personal Accident Insurance Policy: This insurance policy ensures the financial stability for you and your family in the event of an accident. The policy covers death of individual, physical injuries and bodily burns. Death, Permanent Total Disability, Temporary Total Disability, Broken Bones, Burns and Ambulance costs are covered under the policy.

5. Home Insurance Policy: Home Insurance policy provides a reliable and protective coverage which encircles and covers your home. This is not only safeguards the structure of your home but also ensures a safety net for all the belongings and prized possessions collected over the years with your hard earned money. The policy cover gives you a chance to choose either the house structure or the household contents in a single policy with minimum documentation.

Home Insurance: This insurance policy provides a reliable and protective coverage which encircles and covers your home.

Standard Fire and Special Peril Insurance: This insurance policy gives you the benefit of affordable coverage for your property and possessions against almost any eventuality.

6. Commercial Insurance: This insurance policy provides insurance for companies, firms, their Directors and officers and all general employees through its dedicated teams. It provides coverage for a broad range of corporate risks including litigation, white collar crime, employment disputes and extortion attempts. Policies under commercial insurance:

Directors and Officer Liabilities: The policy provides some of the broadest coverage available on the “form of choice” of the industry.

Crime Insurance: This policy is your safety net against white collar crime with comprehensive coverage for all major risks.

Forefront Portfolio: A comprehensive insurance solution offered to small and medium sized companies to help manage their individual and corporate exposures.

Mutual Fund Protection: The policy provides financial stability, sound underwriting, broad coverage and responsive service to Mutual Fund professionals, across the nation.

Employment Liability: The policy provides invaluable insurance coverage for your organization against employee related lawsuits.

Venture Capital: This policy is a combined product offering management liability, management indemnification, outside directorship and professional services Liability insurance in one policy – helping eliminate gaps in your insurance programme.

Educator’s Professional Liability Insurance: The policy provides coverage to administrators, teachers and educators against personal and financial liabilities for their alleged actions or inactions.

Kidnap/Ransom and Extortion Insurance: Professional assistance before, during, and after a Kidnapping or extortion threat is a vital element of corporate risk management.

7. Weather Insurance: This insurance policy offers a comprehensive Weather Insurance Policy to deal with such adversely changing climatic trends. This a index based product that covers the losses to the crop occurring due to varying weather conditions such as temperature, wind speed, rainfall, humidity etc.

HDFC Life: Plans, Policies, Benefits, Covers

HDFC Life is a joint venture between Housing Development Finance Corporation Limited and India’s leading housing finance institution and Standard Life. The company currently has 24 retail and 8 group products in its portfolio, along with 9 optional rider benefits catering to the savings, investment, protection and retirement needs of customers.

HDFC ERGO Vs HDFC Life Insurance-Plans, Policies, Benefits, Covers

HDFC ERGO Vs HDFC Life Insurance-Plans, Policies, Benefits, Covers

 

HDFC Life Plans and Policies:

Protection Plans: This insurance policy provides full protection and financial stability to your loved ones in case of any unforeseen events. HDFC Life presents a variety of Protection plans according to your various needs.

  • HDFC Life Click 2 Protect Plus
  • HDFC Life Click 2 Protect

Health Plan: This insurance plans provides a variety of Health Insurance Plans & Mediclaim Policies that offer financial security to meet health related contingencies.

  • HDFC Health Assure Plan

Children Insurance Plan: These plans enable you fulfill the dreams and ambitions of your children. Children Insurance Plans:

  • HDFC SL YoungStar Super Premium
  • HDFC Life YoungStar Udaan

Saving and Investment Plan: This insurance plans are life insurance plans that offer you multiple avenues to save and to grow your money. Saving and Investment Policies:

  • HDFC Life Click2Invest
  • HDFC Life Sanchay
  • HDFC Life Super Income Plan
  • HDFC SL Crest
  • HDFC Life Classic Assure Plus
  • HDFC Life Super Saving Plan
  • HDFC Life Classic Assure Plan
  • HDFC Life Super Saving Plan
  • HDFC Life ProGrowth Plus
  • HDFC Life Invest Wise Plan

Women Insurance Plan: This insurance plans provides protection, health, retirement, child’s education and long term savings and investments. Policies under this plan:

  • HDFC Smart Women Plan
  • HDFC Life Young Star Udaan
  • HDFC Life Pension Plan

Retirement Plans: This insurance plan provides you with financial security so that when your professional income starts to ebb, you can still live with pride without compromising on your living standards. Policies under this plan:

  • HDFC Life Personal Pension Plus
  • HDFC Life Pension Super Plus
  • HDFC Life Single Premium Pension Plus
  • HDFC Life Guaranteed Pension Plan

Rural Plans: These plans have been made for benefits of our rural customers and these plans have been designed keeping in view the rural population with stable returns and insurance cover.

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SBI General Life Insurance Company Wiki-Plans, Policies, Benefits

SBI General Life Insurance Company Wiki-Plans, Policies, Benefits: SBI General Life Insurance is a joint venture between State Bank of India and Insurance Australia Group. SBI owns 74% of the total capital and 26% remaining IAG. The company offers various insurance plans for individuals like – Motor Insurance Plan, Home Insurance, Personal Accident Insurance, Health Insurance and Travel Insurance. The company also offers plans for business like – Fire Insurance, Health Insurance, Motor Insurance, Marine Insurance, Package Insurance, Construction Engineering and miscellaneous insurance. SBI General is currently serving three key customer segments i.e. Retail Segment, Corporate Segment and SME Segment. We are sharing here complete information about SBI General Life Insurance company’s plans, polices and their benefits.

SBI General Life Insurance Company Wiki-Plans, Policies, Benefits-

SBI General Life Insurance Company Wiki-Plans, Policies, Benefits

SBI General Life Insurance Company Wiki-Plans, Policies, Benefits

SBI Life Insurance Policies:

1. Motor Insurance – Two Wheeler and Four Wheeler Insurance Policy: SBI general insurance offer motor insurance policy which two policies are available, one for two wheeler and another for four wheeler.

Coverage For Two Wheeler:

  • Covers against any loss or damage caused to the vehicle or its accessories due to the following,
  • Fire, explosion, self-ignition, accidental damage by external means
  • Any damage in transit by road, rail, inland waterway, lift, elevator or air.
  • Lightning, earthquake, flood, typhoon, hurricane, storm, tempest, inundation, cyclone, hailstorm, frost, landslide, rockslide.
  • Burglary, theft, riot, strike, malicious act and terrorist activity

Coverage For Four Wheeler:

  • Personal Accident
  • For an additional Premium, provides the following:
  • Additional Legal Liabilities towards Paid Driver and employee
  • Bi-fuel Kit
  • Nil Depreciation
  • NCB Protection
  • Return to Invoice
  • Cover for Key Replacement
  • Loss of Personal Belongings

2. Home Insurance: This policy provides a comprehensive solution for protecting your Home against any unpleasant surprises that life may throw at you.

Benefits: 

  • You can buy the Policy upto a period of 30years
  • In-built coverage for earthquake

3. Personal Accident Insurance: It is divided into two parts – Group Personal Accident and Individual Personal  Accident.

Covers for Group Personal Accident:

  • Loss of Life due to Accident
  • The Group Personal Accident Insurance Policy can be bought by any permanent Indian resident having Savings Bank Account/Individual Current Account holders, if opted with State Bank of India or any of its associate banks and aged between 18 years to 65 Years.

Benefits for Individual Personal Accident:

  • Policy for self employed, salaried and business class people
  • Add-on Covers available including Hospital Confinement Allowance and Ambulance charges
  • Permanent Total Disability (PTD) benefit comes with add-ons like Education Benefit & Adaptation Allowance at no additional cost
  • Cumulative Bonus available
  • Policy covers – Loss of life due to accident, Disabilities due to accident and Income loss due to accident

4. Health Insurance: Four Categories are available this policy – Health Insurance, Health Insurance – SBI, Critical Illness Insurance Policy and Hospital Daily Cash Insurance Policy.

Benefits for Health Insurance: 

  • Wide Coverage – From Rs.50,000 up to Rs.500,000
  • No medical test up to the age of 45 for people with any medical history
  • Family Floater benefit giving comprehensive protection to your family members under one single Policy
  • Flexible Plan Options–Metro Plan, Semi Metro Plan & Rest of India
  • Assured renewal
  • You can now renew your current Health Insurance Policy (any Insurer) with us
  • The premium paid is exempt from Income Tax under Sec 80 D of Income Tax Act
  • Coverage of Pre and Post Hospitalization Expenses – 30 days before and 60 days after the hospitalization
  • Free Medical check-up for every 4 claim free years up to a maximum limit of Rs.2,500

Benefits for Health Insurance – SBI:

  • No pre-policy medical test up to the age of 65 years for people with any medical history
  • Just 1 year waiting period for specified diseases
  • Guaranteed renewal
  • Multiple Coverage Options – Individual & Family Floater options for Sum Insured
  • The premium paid is exempt from Income Tax under Sec 80 D of Income Tax Act
  • Coverage of Pre and Post Hospitalization Expenses – 30 days before and 60 days after the hospitalization
  • Cashless treatment at over 3,000 Network hospitals

Benefits for Illness Insurance Policy: 

  • Coverage against 13 most critical Illnesses
  • Maximum age of entry is 65 years
  • Two Plan Options – One year and 3 years
  • Up to Rs.50,00,000 Sum Insured
  • Free Look Period of 15 days
  • The premium paid is exempt from Income Tax under Sec 80 D of Income Tax act

Benefits for Hospital Daily Cash Insurance Policy: 

  • Daily cash benefit of up to Rs.2,000 per day of hospitalization
  • Daily cash benefit of up to Rs.4,000 per day of ICU hospitalization
  • Daily cash benefit of up to Rs.4,000 per day of accidental hospitalization
  • Fixed sum of up to Rs.5000 to take care of Convalescence expenses
  • Age of entry: 18 to 65 years. Children from the age of 3 months are covered provided both the parents are also concurrently covered.
  • Flexible Plan options – Max.30 days & 60 days coverage.
  • 4 Options to choose in terms of daily benefit amount –Rs.500,Rs.1000, Rs.1500 & Rs.2,000
  • The premium paid is exempt from Income Tax under Sec 80 D of Income Tax act
  • Free Look Period of 15 days

5. Travel Insurance Policy: This is one of the most comprehensive policies in the industry. It covers expenses incurred for medical treatment of illness, disease contracted or injury sustained during an overseas travel and which is primarily in the nature of an emergency and necessary to be undertaken immediately along with other related coverage.

Benefits:

  • Medical cover up to USD 0.5 million
  • No medical examination
  • Comprehensive coverage
  • Worldwide protection & round the clock assistance
  • Fair, transparent & quick cashless claim settlement

SBI General Claim Policy:

SBI General dedicated and experienced claims team aim to deliver you a differentiated customer service of a fast, fair, convenient and transparent claims process for the management and settlement of your claim.

Their claim service will:

  • Provide assistance in emergency situations
  • Relieve the stress of a claim by co-coordinating repair and replacement of your assets
  • Keep you informed of the progress of your claim
  • Provide you with the choice of accessing our preferred local service providers

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Star Health Insurance Company Wiki Details|Best Plans, Compare Policies

Star Health Insurance Company Wiki Details|Trust Factor,Background,Partners|Plans, Compare Policies and Benefits: Star Health is India’s first Life and Health Insurance Company which provides affordable Health Coverage Plans for Individuals, Family and Senior Citizens. Any person between 18 years and 65 years of age can enjoy their insurance service. This policy can be renewed during the whole life of the Insured Person. It is a joint venture between Oman Insurance Company UAE, Leading NRIs and an Indian company being a special purpose vehicle formed by a group of business tycoons. In 2013, Star Health Insurance became the first Insurance Company to launch a specialty policy for people suffering from Cardiac ailments, Star Cardiac care the one of its kind policy for persons who had undergone Heart Surgeries. Here in this post, we are sharing Star Health Insurance Plans, Policies and their Benefits to you.

Star Health Insurance Company Wiki Details|Best Plans, Compare Policies-

Star Health Insurance-Plans, Policies and Benefits

Star Health Insurance Wiki

Here we are sharing 14 Star Health Insurance Plans and Policies with their Benefits:

Star Health Insurance Plans, Policies and Benefits:

1. Star Care Insurance Policy: This is a new health insurance policy introduced by Star Health. It gives protection for individuals as well as the entire family, on the payment of a single premium under a single sum insured.

Benefits:

  • Room, Boarding, Nursing expenses at Rs.750 per day – either private or shared accommodation.
  • ICU charges upto Rs.2,000 subject to maximum of Rs.10,000 per hospitalization.
  • Ambulance charges for emergency transportation up to a sum of Rs.500 per hospitalization and overall limit of Rs.1000/- per policy period.
  • Pre Hospitalization expenses up to 30 days prior to admission in the hospital.
  • Post Hospitalization expenses up to 60 days after discharge from the hospital. Medical expenses incurred up to 7% of hospitalization expenses subject to a maximum of Rs.3,000.
  • Hospital Cash: Benefit will be paid at the rate of Rs.1000/- per day of hospitalization subject to a maximum of 14 days, where the treatment is taken in Government Hospital. This will be paid only for covered surgeries done as in-patient, whether any claim is made on indemnity basis or not. Payment of claim under hospital cash benefit will not reduce the Sum Insured. With this, the effective maximum claimable amount becomes Rs.1,14,000.

2. Star Comprehensive Insurance Policy: This policy offers wide coverage with lot of additional features for the entire family under a single sum insured.

Benefits: 

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. Ambulance charges for emergency transportation to hospital as per specified limits
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital
  4. Post Hospitalization expenses up to 60 days after discharge from the hospital
  5. 101 Day-care treatments covered

3. Family Health Optima Insurance Plan: This plan Optima from Star Health is a health insurance plan that gives protection for the entire family on the payment of a single premium under a single sum insured.

Benefits:

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges.
  2. Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Anesthesia, Blood, Oxygen, and Operation Theatre charges, Cost of Pacemaker, Cost of Medicine and drugs etc.
  3. Ambulance charges for emergency transportation up to a sum of Rs.750 per hospitalization and overall limit of Rs.1500 per policy period.
  4. Pre Hospitalization expenses up to 60 days prior to admission in the hospital.
  5. Post Hospitalization expenses up to 90 days after discharge from the hospital.

4. Mediclassic Insurance Policy (Individual): Star Health’s, this policy provides for reimbursement of hospitalization expenses incurred as a result of illness and disease and sickness.

Benefits:

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. Ambulance charges for emergency transportation to hospital as per specified limits
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital
  4. Post Hospitalization expenses up to 60 days after discharge from the hospital
  5. 101 Day-care treatments covered

5. Senior Citizens Red Carpet Health Insurance Policy: This is India’s first health insurance policy aimed at senior citizens. It provides cover for anyone over the age of 60.

Benefits:

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs up to the limits specified.
  2. Ambulance charges for emergency transportation to hospital as per specified limits.
  3. Post-hospitalization paid as lump-sum up to the limit specified.
  4. Specific day-care procedures covered.
  5. Sub-limits applicable for specified illness.
  6. Co-Payment: 30% for other than claims for Pre-Existing Diseases and 50% for Pre-Existing Diseases claims.

6. Super Surplus Insurance Policy: Star Health brings you Super Surplus Insurance which offers coverage much larger than the ones offered by basic plans.

Benefits:

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. A deductible as opted is applicable for each and every hospitalization.

7. Star Health Gain Insurance Policy: This is the policy just for you with the perfect balance between insurance and tax benefit.

Benefits:

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. Ambulance charges for emergency transportation to hospital as per specified limits.
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
  4. Post-hospitalization paid as lump-sum up to the limit specified.
  5. Specific day-care procedures covered.

8. Star Criticare Plus Insurance Policy: Star Health’s, this policy aims to provide reimbursement of hospitalization expenses incurred as a result of illness and disease and sickness.

Benefits:

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. Ambulance charges for emergency transportation to hospital as per specified limits.
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
  4. Post-hospitalization paid as lump-sum up to the limit specified.
  5. Specific day-care procedures covered.

9. Star Cardiac Care Insurance Policy: The trauma of a heart surgery and the associated financial burden is best known to persons who have undergone one.

Benefits:

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. Ambulance charges for emergency transportation to hospital as per specified limits
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital
  4. Post-hospitalization paid as lump-sum up to the limit specified
  5. 101 Day-care treatments covered

10. Star Unique Health Insurance Policy: Star Health brings you this unique insurance policy with unique benefits for coverage for both future ailments and diseases and for pre existing diseases and conditions.

Benefits:

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. Ambulance charges for emergency transportation to hospital as per specified limits
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital
  4. Post Hospitalization expenses up to 60 days after discharge from the hospital
  5. Specific day-care procedures covered

11. Star Wedding Gift Insurance: The comforts and luxuries of today’s life come at a price the price of uncertainties.

Benefits: 

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. Ambulance charges for emergency transportation to hospital as per specified limits
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital
  4. Post Hospitalization expenses up to 60 days after discharge from the hospital
  5. Specific day-care procedures covered

12. Diabetes Safe Insurance Policy: This policy helps those people who affected by Diabetes Mellitus Type II and offers insurance protection for treating most commonly occurring complications

Benefits:

  1. Covering any complications of Diabetes from day one.
  2. Also provide regular hospitalization cover for all other ailments/injuries
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital
  4. Post-hospitalization paid as lump-sum up to the limit specified

13. Star Family Delite Insurance Policy: Star Health offers optimum coverage at affordable cost for the entire family on a floater basis under one single sum insured.

Benefits: 

  1. Hospitalization Cover Protects the insured for in patient hospitalization expenses for a minimum of 24 hrs. These expenses include room rent, nursing and boarding charges, Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist Fees, Cost of Medicines and Drugs.
  2. Ambulance charges for emergency transportation to hospital as per specified limits.
  3. Pre-Hospitalization expenses up to 30 days prior to admission in the hospital.
  4. Post-hospitalization paid as lump-sum up to the limit specified.
  5. Specific day-care procedures covered.
  6. Specified Diseases are covered upto the specified limits

14. Star Netplus: This policy makes specifically for those people who diagnosed as HIV positive.

This is a special policy from Star health to extend a protective arm to socially isolated persons often disowned by their family members. This HIV insurance policy fills the gap where all other policies and insurers treat as exclusion.

Here we are providing whole information about Star Health Insurance Plans and Policies and their benefits but if you want more information then you can visit – http://www.starhealth.in/.

Do not Forget to comment below and share your views.

NOTE- We will be posting Reviews of Star health Insurance company very soon.

Cigna TTK Insurance Wiki-Health Insurance Plans, Polices and Benefits

Cigna TTK Insurance Wiki-Health Insurance Plans, Polices and Benefits: Cigna Ttk is an Indian private sector health insurance company which offers health insurance plans for people. Cigna Ttk Health Insurance Company Limited was established incorporated on March 12, 2012 under company’s act of 1956. This is a global health services company which is listed on the NYSE and is headquartered in USA and in India, it is headquartered in Mumbai. The company has operations in 31 countries including USA, United Kingdom, China, Spain, Korea, Indonesia, New Zealand, Taiwan, Turkey, Thailand and India. TTK Group is an industry conglomerate based in Chennai, India. The company had different business interests including medical devices, contraceptives, consumer goods and kitchenware. Company’s offices are Delhi, Mumbai, Kolkata, Chennai, Bangalore and Hyderabad. We are providing here complete information about Cigna TTK Health Insurance Plans and Policies with benefits.

Cigna TTK Insurance Wiki-Health Insurance Plans, Polices and Benefits-

Cigna TTK Insurance Wiki-Health Insurance Plans, Polices and Benefits

Cigna TTK Insurance Wiki-Health Insurance Plans, Polices and Benefits

Cigna TTK Health Insurance Plans, Polices and Benefits:

We are sharing here complete information about Cigna TTK Health Insurance Plans, Polices and Benefits:

1. ProHealth Protection Plan: This plan has been designed to provide a comprehensive coverage for treatment of diseases leading up to and during hospitalization. It provides an insurance coverage of up to Rs. 4.5 lakhs for individuals and families.

Benefits:

  1. Sum insured options: Rs. 2.5 lakhs, Rs. 3.5 lakhs and Rs. 4.5 lakhs
  2. Entry age & renewal: The minimum entry age is 91 days for children and 18 years for adults. There is no maximum age limit for entry under this policy. The plan provides lifetime renewal opportunity.
  3. Medial Test: Medical test is required before enrollment but it depends on the age and the sum insured opted for.
  4. Policy period: One can choose between 1 year and 2 years term.
  5. Family discount: 10% discount on the premium amount for enrolling more than 2 family members under individual policy.

2. ProHealth Insurance Plus Plan: This plan provides an insurance coverage ranging from Rs. 4.5 lakhs to Rs. 10 lakhs and all hospitalization expenses such as treatment costs, diagnostics, drugs and accommodation charges are covered in this plan. This plan has been designed to provide comprehensive coverage for all unforeseen health complications as well as give maternity benefits and cover expenses pertaining to the medical treatment of the newborn.

Benefits:

  1. Sum insured options: Rs. 4.5 lakhs, Rs. 5.5 lakhs, Rs. 7.5 lakhs and Rs. 10 lakhs
  2. Entry age & renewal: The minimum entry age is 91 days for children and 18 years for adult. There is no maximum age limit for entry under this policy. The plan provides lifetime renewal opportunity.
  3. Medical Test. It depends on the age and the sum insured that you have opted for.
  4. Policy period: One can choose between 1 year and 2 years term
  5. Family discount: 10% discount on the premium amount on enrolling more than 2 family members under individual policy.

3. ProHealth Insurance Preferred Plan: Company designed to take care of your hospitalization related worries. The Sum Insured option ranges from Rs. 15 lakhs to Rs. 50 lakhs. You will also enjoy a Worldwide Emergency Coverage of up to Rs. 10 lakhs.

Benefits:

  1. Sum insured options: Rs. 15 lakhs, Rs. 30 lakhs, Rs. 50 lakhs.
  2. Entry age & renewal: The minimum entry age is 91 days for children and 18 years for adults. There is no maximum age limit for entry under this policy.The plan provides lifetime renewal opportunities.
  3. Medical Test: Medical tests are mandatory.
  4. Policy period: You can choose between 1 year and 2 years.
  5. Family discount: 10% discount on the premium amount on enrolling more than 2 family members under individual policy option.

4. ProHealth Premium Plan: Premier Plan provides a high insurance coverage of 100 Lakhs. This plan includes a Worldwide Emergency Cover of up to Rs. 10 lakhs, making it an All in One plan accessible to you.

Benefits:

  1. Sum insured options: Rs. 100 Lakhs.
  2. Entry age & renewal: The minimum entry age is 91 days for children and 18 years for adults. There is no maximum age limit for entry under this policy. The plan provides lifetime renewal opportunities.
  3. Medical Test: Medical tests are mandatory.
  4. Policy period: You can choose between 1 year and 2 years.
  5. Family discount: 10% discount on the premium amount on enrolling more than 2 family members under individual policy option.

5. Global Healthcare Group Policy: Global Healthcare cover that delivers solutions with a deep understanding of your specific requirements and preferences. It is designed to cater to the health needs of today’s mobile workforce that travels overseas regularly. It covers Indian locals and expatriates working abroad under one umbrella.

This policy cover is available for employees and their dependents excluding parents.

  1. Provides Inpatient Hospitalization and Day Care Benefits with Sum Insured from Rs. 50 lacs to Rs. 12 Crores
  2. Outpatient Benefits
  3. AIDS/HIV Cover
  4. Out of Area Emergency Treatment Cover
  5. International Emergency Services
  6. Maternity and New born Cover
  7. Dental Treatment and Vision Benefits
  8. Psychiatric & Psychological Care
  9. Wellness Benefits
  10. Option to limit the total Out of Pocket Expenses

6. Life Protection Critical Care Plan: Cigna TTK brings a Life Protection Critical Care Plan for you that begins by helping you stay healthy, and covers you for the most unanticipated eventualities.

Benefits:

  1. Sum insured: You will have options to choose a Sum Insured up to Rs 3 Crores. Eligibility of Sum Insured will be determined based on your income, with the maximum being 10 times of annual income. For non-earning family members, the sum insured is limited to maximum 60% of the earning member for covering spouse. For a dependent child, parents, in-laws and siblings, it’s 30% of earning member’s sum insured.
  2. Entry age & renewal: To enroll in this plan, you must be in the age group of 18 to 65 years. You can renew this plan for lifetime, which ensures that you continue to be insured even at higher ages.
  3. Requirement of medical tests:  Medical tests will be determined based on your age, plan, sum insured and medical history.
  4. Policy period: You may choose between a 1, 2 or 3 years policy period.
  5. Cover Type: The policy can be purchased on an individual & family basis.
  6. Relationships Covered: This policy will cover self, spouse, dependent parents and dependent parents in laws in addition to dependent children, dependent grandchildren and dependent siblings up to the age of 25 years.
  7. Family discount: There will be a 10% discount on the premium amount for enrolling more than 2 family members under the same policy.
  8. Long Term discount: There will be a 7.5% discount on selecting 2 years and 10% discount on selecting 3 years on a single premium policy.

7. Life Protection Accidental Care: This plan provides a comprehensive coverage that safeguards your family’s financial health in case of unfortunate events like accidental death or disablement including loss of employment cover and education fund benefits.

Benefits: 

  1. Sum insured options: You have the flexibility to choose an amount ranging anywhere from Rs 50,000 to Rs 10 Crores. Eligibility depends on your income, with the maximum being 10 times of annual income. For non-earning family members, the sum insured for spouse is limited to a maximum of 60% of the earning member and for a dependent child, parents, in-laws and siblings.
  2. Entry age & renewal: For children, the minimum age to get enrolled is 5 and maximum is 25, whereas for adults, the minimum age is 18 and maximum, 80. You can renew this plan for lifetime, which ensures that you continue to be insured even at higher ages. Coverage for policies issued to persons above 70 years will be limited to Accidental Death & Permanent Total Disability only.
  3. Requirement of medical tests:  Persons above 70 years up to 80 years may be accepted subject to Medical Underwriting.
  4. Policy period: You may choose between a 1, 2 or 3 years policy period.
  5. Cover Type: You may choose to purchase the policy on an individual or family basis.
  6. Relationships Covered: This policy will cover self, spouse, dependent parents and dependent parents in-laws in addition to dependent children and dependent siblings up to the age of 25 years.
  7. Family discount: There will be a 10% discount on the premium amount for enrolling more than 2 family members under the same individual policy.
  8. Long Term discount: There will be a 7.5% discount on selecting 2 years and 10% discount on selecting 3 years on a single premium policy
  9. Claims Payout: Under this policy, fixed benefit amounts will be paid as specified in the applicable benefits in accordance with the terms and conditions.

We have provided here complete information about Cigna TTK Health Insurance Plan, Policies and their Benefits.

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