Author: parastar

SBI General Insurance Renewal

Post author By parastar
Post date July 12, 2021

SBI General Insurance Renewal (A Guide)

Do you want to renew your SBI General Insurance policy? We have the perfect step-by-step guide to do so. You can renew your health or motor insurance policy with ease by following our simple tutorial. We will discuss both online and offline renewal methods in this small content piece.

Online renewal

Renew your SBI General Insurance policy using the following steps:

Step 1.) Visit the SBI General Insurance website

Step 2.) Click on “Renew Policy” on the top left-hand side

Step 3.) Select your policy from the drop down and click on the arrow

Step 4.) Enter your policy number and press on “Get Quote”

Step 5.) Confirm policy details

Post this, you will have to confirm your policy details like premium amount, tenure, coverage, etc. Once you are sure, you can progress towards making your premium payment.

Step 6.) Make payment

You can make your payment either through credit / debit card or through net banking. Both payment options are available. You will receive your renewed policy to your registered email ID. Kindly keep the policy for safe keeping for any future use.

Offline renewal

You can also use the traditional offline mode to pay your policy renewal amount.

Contact your insurance agent

You will need to contact your insurance agent and request him to either collect the renewal check or request him company NEFT details. Post this, you can either hand over the check to him or transfer the amount via net banking / NEFT.

Contact company directly

You can also directly contact the company and request them to arrange for a check pickup. Alternatively, you can also request for the NEFT payment details that you can use to make the payment. You can reach out to your nearest branch by using our SBI General Insurance Branch Locator tool. You can also contact the company using their toll-free number 1800-102-1111.

SBI General Insurance

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max bupa

Max Bupa Health Insurance Plans

Post author By parastar
Post date July 11, 2021

Max Bupa Health Insurance Plans

So, your planning to buy a Max Bupa Health Insurance plan? Learn all about Max Bupa’s top plans, plan features, benefits and more. Lets dive into the company’s top plans. Let’s begin.

Max Bupa Health Insurance top plans

Max Bupa Health Companion Individual Plan

It is an all-inclusive health plan that covers individuals against hospitalization expenses and daycare procedures. It also guarantees 100% restoration of the sum insured for different illnesses.

Plan features

This plan covers all hospitalization, domiciliary expenses, and all daycare procedures.
Ambulance charges covered up to Rs 3000 per hospitalization.
30 days pre and 60 days post-hospitalization charges are covered.
100% sum refill benefit for same or unrelated illnesses.
The benefit of 20% increase of sum insured, maximum of up to 100% during claim-free years.
Ayush treatment is covered in the plan.
Organ donor expenses covered up to the sum insured.

Plan specifications

Age entry: No age limit
Sum insured: Rs 2 Lakh – Rs 1 Crore
Plan term: 1 year or 2 years

Max Bupa Health Premia Plan

This plan offers worldwide coverage against hospitalization expenses in the treatment of any illness or injury.
It also covers maternity expenses and their complications.
This plan is available in 3 variants- Silver, Gold, and Platinum.

Plan features

This plan covers hospitalization, domiciliary expenses, and multiple daycare treatments.
The plan covers maternity expenses and provides newborn baby coverage.
New age treatments like a cyberknife, robotic surgery, etc are payable under this plan.
100% sum refill benefit when the insured exhaust coverage due to previous claims.
Outpatient treatments and diagnostic services covered up to Rs 50,000.
Ayush treatment is covered up to sum insured.
Orgon donor expenses are covered under the plan.
Free health check-up available.

Plan specifications

Age Entry: 90 days – 65 year
Sum insured: Rs 5 Lakh – Rs 3 Crore
Renewability: Lifelong

Max Bupa Go Active Plan

It is a digital health plan that takes care of hospitalization expenses and provides access to cashless outpatient treatment and diagnostic services.
The plan also offers the benefit of automatic reinstatement of the sum insured when the insured exhausts their coverage due to any previous claim.
This plan is available on an individual or family floater basis, in which one can cover up to 4 children and 2 adults

Plan features

This plan covers hospitalization, domiciliary expenses, and a host of procedures.
The plan covers 90days pre and 180 days post-hospitalization charges.
Ten outpatient consultations are covered in-network hospital of the company.
Emergency ambulance services are covered under the plan.
The benefit of 100% sum restoration due to the previous claim.
Expenses incurred on organ donor’s treatment are also covered.

Plan specifications

Age entry: 91 years – 65 years
Sum insured: Rs 4 Lakh – Rs 25 Lakh
Policy term: 1 year

Max Bupa Reassure Plan

This is a family floater plan that comes with reassure benefit, that guarantees unlimited reinstatements of the sum insured for the same or unrelated illnesses during the policy period. This plan also comes with a booster benefit which increases the sum insured up to 100% as a reward for claim-free years.

Plan features

This plan covers hospitalization, domiciliary expenses, and a host of daycare procedures.
The benefit of unlimited cover restoration for unrelated or same illnesses during the policy period.
Booster benefit that increases the sum insured up to 100% during claim-free years.
60 days pre and 180 days post-hospitalization expenses are covered.
New age treatments like a cyberknife/robotic surgery, etc are covered under this plan.
Alternative treatments like Ayush, etc are covered.
Ambulance costs are covered under the plan.
Free health checkup for all insured members under the plan.

Plan features

Age Entry: 91 days – 65 years
Sum insured: Rs 3 Lakh – Rs 1 Crore
Renewability: Lifelong

Max Bupa Health Recharge Plan

This is a super top-up plan that comes into action when the policyholder exhausts the coverage of their initial base policy or the deductible under the policy is paid. It is a high sum assured health plan at an affordable premium.
The plan is can be availed on an individual or family floater basis, where you can cover up to 2 adults and 4 children.

Plan features

This plan covers hospitalization expenses and multiple daycare procedures.
60 days pre and 90 days post-hospitalization expenses are covered. Ayush treatments are covered under the plan.
The medical expense incurred in the treatment of organ donors is covered.
Emergency ambulance charges covered up to Rs 1,500 per hospitalization.
Avail of unlimited free teleconsultations.

Plan specifications

Sum insured: Rs 2 Lakh – Rs 95 Lakh
Renewability: Lifelong

Max Bupa MoneySaver Plan

MoneySaver Plan is a combination of two plans put together, Health Recharge and Health Companion Plan. This plan offers exhaustive coverage that covers all hospitalization expenses and also guarantees a 100% sum restoration benefit if the policyholder exhausts their coverage due to a previous claim.
It is available on an individual and family floater basis, where one can cover up to 2 adults and 4 children.

Plan features

This plan covers inpatient care, domiciliary expenses, and a plethora of daycare procedures.
The benefit of sum restoration when the policyholder exhausts coverage due to previous claims.
Alternative treatments like Ayush and Ayurveda are covered under the plan.
Organ donor expenses are covered.
Free health check once a year.
Daily hospital cash benefit up to Rs 2000 per day.
Emergency ambulance services are covered in the plan.

Plan specifications

Age Entry: 91 days – 65 years
Sum insured: Rs 10.5 Lakh – Rs 1 Crore
Renewability: Lifelong

Max Bupa Heartbeat Plan

This is a far-reaching health plan that financially shields the insured against all major healthcare-related predicaments. It covers expenses related to maternity and their complications and also provides newborn baby coverage.
This plan is available in 3 variants- Silver, Gold, and Platinum Plan. It is available on a family floater basis, where one can cover up to 19 family members.

Plan features

This plan covers hospitalization expenses covered up to sum assured.
60 days pre and 90 days post-hospitalization expenses covered.
Multiple daycare procedures are covered under the plan.
Ayush treatments covered up to sum insured.
Organ donor expenses are covered.
Maternity expense covered up to two deliveries.
Free newborn baby coverage available for up to one year.

Plan specifications

Age entry: No age limit
Sum insured: Rs 5 Lakh – Rs 50 Lakh
Policy term: 1 year or 2 years

Max Bupa Accident Care Plan

This is a cash benefit plan that protects the policyholder against accidents and complications. In this plan, the company will provide a lump sum payout in the case of accidental death or any disablement suffered due to an accident.
This plan is available on an individual and family floater basis.

Plan features

Lumpsum payout of 100% of sum insured in case of accidental death of the insured.
Lumpsum payout of 125% of sum insured in case total permanent disablement suffered due to accident.
Lumpsum payout of 100% of sum insured in case of any permanent partial disablement due to accident.
In case of accidental death of the insured, the company will pay 5% of the sum insured as an education benefit.

Plan specifications

Age Entry: 2 years- 65 years
Sum insured: Rs 5 Lakh – Rs 2 Crore
Renewability: Lifelong

Max Bupa Criticare Plan

This plan is intended to offer coverage against 20 critical ailments.
In this plan, the policyholder will receive a lump sum payout when diagnosed with any of the listed critical illnesses mentioned under the policy. This plan covers severe illnesses like heart attack, stroke, cancer, and so on.
It is also available on a family floater basis, where one can cover up to 2 adults.

Plan features

This plan offers coverage against 20 life-threatening illnesses and conditions
100% sum insured to the policy after the first diagnosis of specified illness in the policy.

Plan features

Age entry: 2 years – 65 years
Sum insured: Rs 3 Lakh – Rs 2 Crore
Renewability: Lifelong

Max Bupa Corona Kavach Plan

This plan is designed to financially safeguard you and your loved ones against COVID-19. It covers the cost of hospital expenses incurred in the treatment of COVID-19.

Plan features

This plan covers hospitalization expenses incurred in the treatment of COVID-19.
The plan covers the cost of home care treatment up to a maximum period of 14 days.
15 days pre and 30 days post-hospitalization expenses are covered.
The company will cover the expenses incurred in the home care treatment of Covid- 19 for a minimum period of two weeks.
This plan covers the cost of Ayush treatments.

Plan specifications

Age entry- 18 years -65 years
Sum insured- Rs 50,000 – Rs 5 Lakh
Policy term- 3.5 months, 6.5 months, and 9.5 months

Max Bupa Senior First Plan

As the name suggests, this plan is designed to cover the hospitalization expenses of persons above 60 years of age.
This plan also covers various daycare procedures, alternative treatments, organ donor expenses, and much more.
It is available in 2 variants- Gold and Platinum Plan.

Plan features

This plan covers hospitalization expenses and all daycare procedures.
Advanced treatments like robotic surgeries, etc covered up to Rs 1 Lakh.
Ayush treatment is covered up to the sum insured.
60 days pre and 90 days post-hospitalization expenses covered.
Road ambulance costs covered up to Rs 2,000 per hospitalization.
Air ambulance charges covered up to Rs 2,50,000.
Compulsory co-payment is applicable on each claim.

Plan specifications

Age entry- 60 years onwards
Sum insured- Rs 5 Lakh -Rs 25 Lakh

Max Bupa Health Pulse plan

This is a complete health plan that gives comprehensive coverage, the benefit of cover restoration, and up to 100% increase of sum insured as a cumulative bonus as a reward for claim-free years.
It is available in 2 variants: Classic and Enhanced.

Plan features

This plan covers hospitalization, domiciliary expenses, and daycare treatments.
The benefit of 150% of sum reinstatement if the policyholder exhausts coverage due to a previous claim.
Ayush treatment is covered up to the sum insured.
Up to 100% increase of SI during claim-free years.
Emergency ambulance charges covered up to Rs 2000 per hospitalization.

Plan specifications

Age entry- 3months – 65 years
Sum insured- Rs 3 Lakh – Rs 25 Lakh
Renewability- Lifelong

Max Bupa Arogya Sanjeevani plan

This is a regular health plan that protects you and your loved ones against any major healthcare contingencies. It also covers advanced procedures like robotic surgeries, etc up to a certain limit.
Arogya Sanjeevani offers a wide range of sum insured options ranging from Rs 50,000 to Rs 5 Lakh. It can opt on an individual or family floater basis.

Plan features

This plan covers hospitalization, domiciliary treatments, and all daycare treatments.
Emergency ambulance charges covered up to Rs 2000 per hospitalization.
30 days and 60 days post-hospitalization expenses are covered under the plan.
Modern treatments covered up to 50% of the sum insured.
Cataract treatments covered up to Rs 40,000 or 25% of the sum insured whichever is lower.
5% increase of SI, maximum up to 50% as no claim bonus

Plan specifications

Age entry- 3 months – 65 years
Sum insured- Rs 1 Lakh – Rs 5 Lakh
Policy term- 1 year

Max Bupa Saral Suraksha Bima Plan

This is a cash benefit plan, that financially safeguards the policyholder against accidents. It offers a lump-sum payment to the policyholder or family members in the case of accidental death or any disability suffered by the insured due to an accident.

Plan features

100% payout in case of accidental death of the insured.
100% payout in case of any total permanent disablement due to an accident.
50% sum insured in case of any total partial disablement due to an accident.
50% increase of SI during claim-free years.
This plan also covers hospitalization expenses arising out of accidents up to 10% of the sum insured.

Plan specifications

Age entry: 3 months -65 years
Sum insured: Rs 2.5 Lakhs – Rs 1 Cr
Renewability: Lifelong

Max Bupa Health Insurance

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Health Insurance

Max Bupa Health Insurance

Post author By parastar
Post date July 11, 2021

Max Bupa Health Insurance

Max Bupa is an Indian health insurance service provider, the company was formed in the year 2008. It is a joint venture between Bupa, a UK-based leading healthcare provider, and True North an Indian investment firm.
It has more than 30,000 + agents, 4500+ network hospitals all across the nation, and a strong claim settlement ratio of 98%.

The company offers a wide range of health insurance products catering to different clienteles. It offers a surplus of health services for individuals, the whole family, senior citizens, groups, and much more.
Max Bupa is committed to offering lucrative health plans at an affordable premium.

In this article, we will discuss the following:

Awards received
Top health insurance plans offered by Max Bupa
Why choose Max Bupa Health Insurance?
Benefits of Max Bupa
How to buy a Max Bupa Health Insurance Plan?
Max Bupa Health Insurance claim process
Max Bupa Health Insurance renewal
Max Bupa Health Insurance coverage

Company highlights

Network Hospitals	4500+
Claim settlement ratio	96%
Customers	10 million +
Renewal	Lifetime
website	www.maxbupa.com

Notable awards received by Max Bupa

‘The Economic Times Best Brands 2019’ award.
Max Bupa’s GoActive Health Insurance Plan was recognized as ‘Product of the Year’ by research agency Nielsen.
‘Golden Peacock Award 2015’ for its product Heartbeat Health Insurance Plan.
‘Best Product Innovation Award’ at Indian Insurance Awards 2011.
‘IT Management Best Practices’ at the Celent Model Insurer Asia Awards 2016.

Top health insurance plans offered by Max Bupa

Plan name	About the plan
Max Bupa Health Companion Individual Plan	This is an ideal health insurance plan for individuals offering them extensive coverage that covers all hospitalization expenses at an affordable premium.
Max Bupa Health Premia Plan	This is a complete healthcare plan that offers international coverage safeguarding you and your loved ones against hospitalization expenses.This plan comes in 3 types of variants- Silver, Gold, and Platinum Plan
Max Bupa Go Active Plan	This plan is offered to cover hospitalization expenses and also covers the cost of any outpatient treatments and diagnostic services
Max Bupa Reassure Plan	This plan comes with a reassuring benefit which offers unlimited reinstatement of the sum insured during the policy period irrespective of the number of claims. The plan offers a wide range of sum insured options up to Rs 1 Crore.
Max Bupa Health Recharge Plan	This is a super top-up plan that comes into action when the policyholder exhausts the coverage of their initial base policy or the deductible under the policy is paid. It is a high sum assured health plan at an affordable premium.
Max Bupa MoneySaver Plan	This plan is a combination of two covers together i.e Health Recharge and Health Companion Plan. This plan covers all hospitalization expenses and guarantees a 100% sum refill benefit when the policyholder exhausts their coverage due to previous claims.
Max Bupa Heartbeat Plan	This is an international health plan that provides the insured worldwide coverage from any medical contingencies. It is available in 3 types of variants Silver, Gold, and Platinum Plan.
Max Bupa Accident Care Plan	As the name suggests, this is a cash benefit plan that financially safeguards the insured against accidents and any disablement suffered due to an accident.
Max Bupa Criticare Plan	Criticare plan financially protects against 20 life-threatening illnesses and conditions like cancer, stroke, etc. In this plan, the policyholder will receive a lump sum payout when diagnosed with any of the illnesses mentioned under the policy.
Max Bupa Corona Kavach Plan	This is a short-term plan that covers hospitalization expenses incurred in the treatment of COVID-19.
Max Bupa Senior First plan	This is an affordable plan that takes care of the essential healthcare requirements of persons above 60 years of age. It is available in two variants- Gold and Platinum Plan
Max Bupa Health Pulse plan	Health Pulse is an all-inclusive plan that offers comprehensive coverage, sum refill benefit, and up to 100% increase of sum insured as a cumulative bonus during claim-free years. It is available in 2 variants -Classic and Enhanced.
Max Bupa Arogya Sanjeevani plan	This is a standard health plan that protects you and your loved ones against all major healthcare contingencies. It also covers advanced procedures like robotic surgery, stem cell therapy, etc.
Max Bupa Saral Suraksha Bima Plan	Saral Suraksha Bima policy pays lump-sum payout to the insured or family members in the event of accidental death or any disability suffered by the insured due to an accident.

Why choose Max Bupa Health Insurance?

Network hospitals

Max Bupa offers cashless hospitalization in more than 4,500+ network hospitals all across the nation, providing access to its customers to experience top-quality medical treatments without worrying to pay the hospital bill from their pocket.

Strong claim settlement ratio

The company has a robust claim settlement ratio of 96%, indicating that the company is reliable when settling valid and legitimate claims.

Customer support

The company offers 24/7 online assistance services to its customers to assist them with their queries. The insurer is quick to bring resolutions when settling claims, renewals, or any issue about insurance.

Solvency ratio

Max Bupa has a solvency ratio of 1.64, it is an ideal ratio symbolizing that the insurer has enough cash flow to meet its long-term obligations and is a financially sound company.

Lifetime renewability

Plans offered by the company come with a lifetime renewability feature. This means that you can renew your health insurance policy without any restrictions on the age limit.

Surplus of plans

Max Bupa offers a vast range of health plans ranging from individual plans, accidental, critical illness plans to international health plans.

Benefits of Max Bupa

Sum refill benefit

Multiple plans offered by the company provide the benefit of automatic sum restoration that reinstates the sum insured when the policyholder exceeds the coverage due to a previous claim.

Cumulative bonus

The insurer provides the benefit of a cumulative bonus that increases the sum insured as a reward for claim-free years.

Comprehensive coverage

Plans offered by the company provide 360-degree protection against all healthcare contingencies. It covers the cost of hospitalization, daycare treatments, pre, and post-hospitalization charges, and more.

Cashless facility

Avail the benefit of cashless treatment in more than 4500+ network hospitals of the company across the country.

Extra benefits

The company offers additional value-added benefits like wellness coaching, free online consultations, health coach, nutrition expert, and more.

How to buy a Max Bupa Health Insurance Plan?

You can easily buy a health plan with us on InsuranceLiya.com.

Step 1: Simply furnish us with your name, email, and mobile number.

Step 2: We will call you shortly and assist you with a suitable plan for you or your family.

Max Bupa Health Insurance claim process

Cashless claim

You can file for cashless claim if admitted to a network hospital of the company.
Follow the simple steps laid down by us to file for the cashless claim.

Step 1– Inform the company 3 days in advance in case of a planned hospitalization or within 2 days in case of emergency hospitalization. You can inform the company on their toll-free number 1860-500-8888 or email them at customercare@maxbupa.com

Step 2– Visit the insurance/TPA desk at the hospital and show them your Max Bupa Health Card and photo ID.

Step 3– Dully fill and sign the pre-authorization request form and submit it to the insurance desk in the hospital.

Step 4– The company will verify the claim request along with the terms and conditions of the policy.

Step 5- After investigation, the company will approve the claim and directly settle the bill with the hospital.

Note: In case of claim rejection, the company will state the reason for the same in writing.

Reimbursement claim

You will have to file for a reimbursement claim when you get admitted to a non-network hospital of the company or when the cashless claim is not accepted.
In a reimbursement claim, you will have to settle the hospital bill from your pocket and then file for a refund from the company.

Step 1– Inform the company 3 days in advance in case of a planned hospitalization and within 2 days in case of an emergency.
You can inform the company by calling on their toll-free number 1860-500-8888 or email them at customercare@maxbupa.com

Step 2– After discharge, collect all supporting documents and submit them to the insurance company to initiate the refund.

Step 3 – The company will verify the claim request with the terms and conditions of the policy.

Step 4– Once the claim is approved, the refund will be transferred to the policyholder’s linked bank account.

Documents required to file for a claim

Duly filled and signed claim form
Policy document
ID proof
Original discharge summary
Original bills, receipts, prescriptions
Original test reports, scans, MRI, CT Scan, other reports
FIR (If applicable)
Post Mortem Report (if applicable)

Max Bupa Health Insurance renewal

Online renewal

It is important to renew your health insurance policy on time to avail of its benefits.
Follow these simple steps to renew your Max Bupa health insurance plan online.
Step 1– Visit the official website of the company.

Step 2– Click on the “Renew” option.

Step 3– Enter your existing policy number and date of birth.

Step 4– Verify the policy details and the premium amount. Cross-check the other information like a cumulative bonus (if any) before paying the premium and make the payment.

Step 5 – Your policy will be instantly renewed. You will receive a confirmatory email along with a premium payment receipt on your registered email id.

Offline renewal

You can also renew the plan offline by visiting the nearest branch of the company and state your request.
You can also connect with customer care on customercare@maxbupa.com or call them up on 1860-500-8888 and mention your policy renewal request.

Max Bupa Health Insurance coverage

Inclusions

Below provided are a few general inclusion in Max Bupa health plans. These inclusions may vary from policy to policy.

Inpatient hospitalization
Pre and post hospitalization treatment
Daycare treatments and procedures
Surgical procedures
Alternative treatments like Ayush, etc
Domiciliary treatment
Organ donor expenses
Worldwide emergency coverage
Maternity coverage
Newborn baby cover
Emergency ambulance charges

Exclusions

Below provided are a few general exclusions in Max Bupa plans. These exclusions may vary from policy to policy.

Cosmetic, plastic surgery
Reconstructive surgery
Eyesight and optical services
Experimental treatments
Unproven treatments
Non-medical expenses
Substance-related and addictive disorders
Obesity and weight control programs
Puberty and menopause-related disorders
Unlawful activity
Self-inflicted injury

Max Bupa Health Insurance Plans

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icici lombard health insurance

ICICI Lombard Health Insurance Plans

Post author By parastar
Post date July 11, 2021

ICICI Lombard Health Insurance Plans

Are you interested to know more about the health plans offered by ICICI Lombard? Well, look no further. Let us discuss the various health plans offered by ICICI Lombard and their features.

Top 6 ICICI Lombard Health plans

ICICI Lombard Complete Health Insurance Plan

This is an all-inclusive health plan that financially safeguards you and your loved ones against major medical contingencies. It covers hospitalization expenses, multiple daycare treatments, pre and post-hospitalization charges, and so on. The plan also offers numerous benefits like worldwide coverage, unlimited reinstatement of coverage, and a super no claim bonus that increases the sum insured, maximum up to 50% as a reward for claim-free years.
This plan is available in three variants:- iHealth, Health Shield, Health Elite.

Plan features

This plan covers hospitalization and domiciliary expenses in the treatment of any illness or injury.
30 days pre and 60 days post-hospitalization expenses are covered under the plan.
Multiple daycare treatments like dialysis, radiotherapy, and more are covered under the plan.
100% sum refill benefit that restores coverage for unrelated or same illness an unlimited number of times.
50% increase of sum insured under super no claim bonus as a reward for claim-free years.
Alternative treatments like Ayush are covered under the plan.
Organ donor expenses covered up to Rs 10 Lakhs.
Free health check-up once a year (Emergency ambulance services are covered including air ambulance).

Plan specifications

Sum insured- Rs 2 Lakh- Rs 50 Lakh
Age entry- 3 month – 18+
Renewability- Lifelong

ICICI Lombard Health Booster Plan

This is a super-top plan that comes into effect when the policyholder has exceeded the sum insured or coverage limit of their base health policy or once the deductible under the policy is paid.
The plan covers all medical and hospital-related expenses incurred in the treatment of any illnesses or injuries.
This plan can be availed on an individual or family floater basis.

Plan features

This plan covers inpatient hospitalization expenses.
150 listed daycare procedures and treatments are covered under the plan.
100% sum refill benefit that restores the sum insured if the policyholder runs out of coverage due to previous claims.
Ayush inpatient treatment is covered up to sum insured.
60 days pre and 90 days post-hospitalization expenses are covered.
Road ambulance expenses covered up to Rs 5,000 per hospitalization.
Organ donor expenses covered up to the sum insured.

Plan specifications

Sum insured- Rs 5 Lakh- Rs 50 Lakh
Age entry- 6 months – No age limit
Renewability- Lifelong

ICICI Lombard Personal Protect Plan

This plan is crafted to offer worldwide coverage to the policyholder against accidents. In this plan, the company will pay a lump sum payout of 100% sum insured in case of accidental death or any disablement suffered by the insured individual due to an accident. This plan can be availed on an individual or family floater basis.

Plan features

100% payout of the sum insured to the nominees of the policy in case of accidental death of the policyholder.
100% payout in case of any permanent total disablement suffered by the insured due to an accident.
This plan offers worldwide coverage financially shielding from accidents globally.
No pre-medical check-up is required to avail of the policy.

Plan specifications

Sum insured- Rs 3 Lakh- Rs 25 Lakhs
Age entry- 18 years- 65 years

ICICI Lombard Arogya Sanjeevani Plan

Arogya Sanjeevani is a basic healthcare policy that is intended to cover hospitalization expenses at an affordable premium.
This plan is available on an individual or family floater basis, where one can cover themself, legally wedded spouse, dependant children, and parents.

Plan features

This plan covers hospitalization up to the sum insured limit.
5% increase on SI, max up to 50% for every claim-free year.
Alternative treatments like Ayush, Siddha, and so on covered up to the sum insured.
Listed modern procedures like deep brain stimulation, robotic surgeries, and so on covered up to 50% of the sum insured limit.
30 days prior and 60 days post-hospitalization expenses covered.
Road ambulance expenses covered up to Rs 2000 per hospitalization.

Plan specifications

Sum insured- Rs 1 Lakh- Rs 5 Lakh
Age entry- 3 months- 65 years
Renewability- Lifelong

ICICI Lombard Corona Kavach Plan

This health plan is dedicated to cover all hospitalization expenses incurred in the treatment of the COVID-19. This plan also covers the cost of treatment for any comorbid condition triggered due to the Coronavirus.

Plan features

This plan covers hospitalization expenses incurred for a minimum period of 24 hours of admission.
The plan also covers home care treatment for COVID-19 for a maximum period of 15 days.
Daily cash allowance ranging from Rs 250 to Rs 2500 for a maximum period of 15 days.
Road ambulance charges covered up to 2000 per hospitalization.

Plan specifications

Sum insured- Rs 50,000 -Rs5 Lakh
Age Entry- 18 years- 65 years
Policy Term- 3.5 months, 6.5 months, 9.5 months

ICICI Lombard Saral Suraksha Bima Policy

Saral Suraksha Bima is a cash benefit policy that financially protects the insured individual against any accidents.
The company will provide a lump sum payout in the unfortunate event of accidental death or disablement suffered by the insured individual due to an accident.

Plan features

100% sum insured will be paid to the nominees of the policy in case of accidental death of the policyholder.
100% sum insured will be paid in case of permanent total disablement suffered due to accident.
Fixed sum insured will be paid in case of any partial disablement suffered due to an accident.

Plan specifications

Age entry- 18 years – 70 years
Sum insured- Up to Rs 1 Crore

What is no claim bonus in health insurance?

ICICI Lombard

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hdfc ergo

HDFC ERGO Health Insurance Plans

Post author By parastar
Post date July 11, 2021

Learn about HDFC ERGO Health Insurance Plans

Are you interested in finding out about the best HDFC ERGO health insurance plans? Well, you have come to the right place. Let us discuss the top 11 health insurance plans offered by HDFC ERGO and their features.

Top 11 HDFC ERGO Health Insurance Plans

My:Health Koti Suraksha Plan

It is a long-term health plan that offers a sum insured up to Rs 1 Crore. This plan guards the policyholder against hospitalization expenses, critical illness treatments, from the expense of major surgical procedures, daycare treatments, and much more.

This plan also provides other bonuses like wellness coaching, health coach, free preventive health check-up, etc.
Because of its more than sufficient coverage it is an ideal family floater plan, where one can cover their family members in a single policy.

Plan features

This plan covers hospitalization expenses due to any illnesses or injuries.
60 days pre and 180 days post-hospitalization expenses are covered under the plan.
The plan covers all daycare treatments.
Alternative treatments like Ayush, homeopathy, etc are covered in the policy.
Road ambulance charges are included in the policy.
Organ donor treatments are covered under the policy.
Free health check-up on policy renewal.

Plan specifications

Age entry- 18 years- 65 years
Sum insured- Rs 1 Crore
Renewability- Lifelong

Hdfc ERGO Optima Restore Plan

This plan comes with a unique sum refill benefit that automatically reinstatements the sum assured once the policyholder runs out of coverage due to prior claims. It also offers a multiplier benefit which increases the sum insured maximum up to 100% as a reward for claim-free years.

Plan features

This plan covers hospitalization expenses and all daycare procedures.
Receive the benefit of 100% sum refill in case of coverage exhaustion due to the previous claim.
50% increase of sum insured, maximum up to 100% under multiplier benefit for claim-free years.
This plan covers 60-day pre and 180 days of post-hospitalization expenses
Organ donor expenses are covered up to the sum insured.
Ambulance charges covered up to Rs 2,000 per hospitalization.
Free E-opinion available once a year for any critical illness.

Plan specification

Age entry- 18 years- 65 years
Sum insured- Rs 3 Lakh – Rs 50 Lakh
Renewability- Lifelong

HDFC ERGO My Health Suraksha Plan

This is a complete healthcare plan that comes with numerous advantages like sum refill benefit, a no claim bonus feature that increases your sum insured after every claim-free year, recovery benefit, and much more.
It is available in 3 variants – Silver, Gold, and Platinum Smart Plan.

Plan specifications

This plan covers hospitalization, domiciliary expenses, and daycare treatments.
Expenses incurred in the treatment of any psychiatric illnesses are covered under the plan.
This plan covers 60-day pre and 180 days of post-hospitalization expenses.
Receive fixed sum of amount under-recovery benefit if you are hospitalized for more than 10 days
Coverage for organ donor expenses and Ayush inpatient treatment available.
Sum refill benefit that automatically reinstates base sum insured due to the previous claim.

Plan specification

Age Entry- 18 years- 65 years
Sum insured- Rs 3 Lakh – Rs 50 Lakh
Renewability- Lifelong

HDFC ERGGO My Health Medisure Super Top-Up Plan

This is a super top-up plan that will spring into effect when the policyholder has exceeded the coverage limit of their initial health plan or once the deductible under the plan is paid. This plan covers hospitalization expenses, all daycare treatments, pre-post hospitalization expenses, so on at an affordable premium. It is available on a family floater and individual coverage basis.

Plan features

This plan covers hospitalization and all domiciliary expenses.
Most daycare procedures are covered under the policy.
Pre and post-hospitalization expenses are taken care of in the policy.
No health checkups up to Age 55 years.

Plan specifications

Age entry- 18 years – 65 years
Sum insured- 3 Lakh – 20 Lakh

HDFC ERGO My Health Women Suraksha Plan

True to its name, this plan is specially intended for women to financially protect against 41 types of women-specific critical ailments and surgical procedures. It covers illnesses like breast cancer, ovarian cancer, and more.
This plan is available in 3 kinds of variants:-

Women Cancer plus Plan
Women CI Essential Plan
Women CI Comprehensive Plan

Plan features

Coverage towards critical illness treatments and surgical procedures.
Free preventive health check-ups available.
In case of job loss due to illness, the company will pay 50% of the salary for up to 6 months.
Maternity and newborn baby expenses covered up to 25% of SI or up to Rs 500,000.
Second opinion consultations covered up to Rs 10,000.

Plan specifications

Age entry- 18years – 65 years
Sum insured- Rs 1 Lakh – Rs 1 Crore

HDFC ERGO Critical Illness Insurance Plan

This is a cash benefit policy that financially secures the policyholder against 15 critical illnesses and conditions. In this plan, the policyholder will receive a lump sum payout when positively diagnosed with any of the set listed diseases mentioned under the policy.

This plan comes in two kinds of variants- Silver and Platinum Plan

Silver Plan- 8 critical illnesses covered
Platinum Plan- 15 critical illnesses covered

Plan features

Receive 100% sum insured in the event of a positive diagnosis of the mentioned illness.

Plan specification

Age entry- 5 years to 65 years
Sum insured- Rs 5 Lakh – Rs 10 lakh
Renewability- Lifelong

HDFC ERGO iCAN Health Insurance Plan

This is a cancer-specific plan that is intended to cover the policyholder against hospitalization expenses incurred in the treatment of cancer. It covers the cost of all conventional cancer treatments like chemotherapy, radiotherapy, etc.
This plan comes in two variants- Essential and Enhanced Plan.

Plan features

This policy covers hospitalization expenses and procedures in the treatment of cancer.
30 days pre and 60 days post-hospitalization expenses are covered under the policy.
Cost of follow-up treatments covered up to Rs 3000 twice a year.
Emergency ambulance charges covered up to Rs 2000 per hospitalization.

Plan specifications

Age entry- 5 years – 95 years
Sum insured- Rs 5 Lakh- Rs 50 Lakh

HDFC ERGO Energy Diabetes Plan

This health plan is specially intended for persons suffering from diabetes and hypertension. It covers the cost of all hospitalization expenses from day 1 incurred in the treatment of diabetes or hypertension. This plan also provides the benefit of 100% sum restoration of the sum insured in case the policyholder runs out of coverage. It is available in two variants- Silver and Gold Plan.

Plan features

This plan covers hospitalization expenses arising out of diabetes, hypertension, and its complications.
100% sum refill benefit once a year.
30 days pre and 60 days post-hospitalization expenses are covered.
Emergency road ambulance up to Rs. 2000 per hospitalization.
HbA1C tests are covered up to Rs 750 per policy year.
The plan provides coverage towards organ donor expenses.
180+ daycare procedures are covered.

Plan specifications

Age entry- 18 years onwards
Sum insured- Rs 1 Lakh – 25 Lakh
Renewability- Lifelong

HDFC ERGO Arogya Sanjeevani Plan

Arogya Sanjeevani is an affordable health policy that guards the insured against medical expenditures up to the sum insured. This plan covers the cost of medical treatments arising out of any illness or accident. Multiple advanced treatments like stem cell therapy, robotic surgeries, etc are also covered under the policy. This plan is available on an individual as well as a family floater basis.

Plan features

This plan covers hospitalization and domiciliary expenses.
Multiple daycare treatments and procedures are covered under the plan.
30 days pre and 60 days post-hospitalization expenses are covered.
This plan covers the cost of dental treatment if necessitated due to an accident.
The cost of cataract treatment is covered up to 25% of SI or a maximum of Rs 40,000.
Ayush treatment is covered in the policy.
Multiple advanced treatments are covered up to 50% of the sum insured.
Up to 50% increase of sum as no claim bonus during claim-free years.

Plan specifications

Age entry- 18 years -65 years
Sum insured- Rs 50,000 – Rs 10 Lakh
Renewability- Lifelong

HDFC ERGO Corona Kavach plan

It is a short-term plan that is dedicated to protecting the policyholder against the hospitalization expenses incurred in the treatment of COVID-19.

Plan features

This plan covers hospitalization and domiciliary expenses arising in the treatment of COVID-19.
15 days pre and 30 days post-hospitalization expenses are covered.
This plan also pays for homecare treatment of the insured up to a maximum period of 14 days.
Ambulance charges covered up to Rs 2000.

Plan specifications

Age entry- 1 day – 65 years
Sum insured- Rs 50,000 – Rs 5 Lakh
Policy Tenure- 3.5 month, 6.5 month, 9.5 month

HDFC ERGO I health wallet

This is a unique plan that comes with a reserve benefit, that carries forward the unused value of the policy coverage to the next year. The policyholder can gain up to a 6% bonus on it during renewal. It also offers additional benefits like cumulative and sum refill benefits. This plan can be purchased on an individual or family coverage basis.

Plan features

This plan covers all hospitalization expenses and 182 daycare procedures.
Receive the benefit of 100% sum reinstatement once a year.
50% increase of sum insured, max up to 100% as cumulative bonus during the claim-free year.
60 days pre and 90 days post-hospitalization charges are covered.
Free preventive health check-ups every year.
Emergency ambulance charges covered up to Rs 2000.
Organ donor expenses are covered in the plan.

Plan specifications

Age entry- 18 years – 65 years
Sum insured- Rs 3 Lakh – Rs 50 Lakh

HDFC ERGO- Plans, Benefits, Claims, Renewals and More

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Health Insurance

HDFC ERGO- Plans, Benefits, Claims, Renewals and More

Post author By parastar
Post date July 11, 2021

Learn about HDFC ERGO Health Insurance (A Guide)

HDFC ERGO is a joint venture between HDFC and German insurance company ERGO International. The company was formed in the year 2002. It operates with a pan India presence with more than 10,000+ network hospitals and an employee strength of 3000+ individuals.

The insurer has been rated iAAA by ICRA, a professional investment and credit rating agency, for its highest claim settling capability. HDFC ERGO offers a wide range of insurance products and services ranging from health, life, motor, travel insurance, and much more.

HDFC ERGO has been awarded numerous awards such as ‘ The Best General Insurance Company’ in India for the year 2014 by IAIR and ‘The Best Customer Experience’ award by KamiKazi to name a few.

In this article, let us discuss the following:

HDFC ERGO Health Insurance Plans
Why choose HDFC ERGO Health Insurance?
Benefits HDFC ERGO Health Insurance
How to buy a HDFC ERGO Health Insurance Plan?
How to file a claim with HDFC ERGO?
HDFC ERGO Health Insurance renewal
HDFC ERGO Health premium calculator

Company specifications

Network Hospitals	10,000+
Claim settlement rotio	86.52%
Renewability	Lifetime
Website	www.hdfcergo.com
Contact Number	022 6234 6234 / 0120 6234 6234

HDFC ERGO Health Insurance Plans

Plan names	About the plan
My: Health Koti Suraksha Plan	This plan is designed to offer a high sum insured up to Rs 1 Crore providing the policyholder more than sufficient coverage for all their healthcare needs while protecting their finances.
HDFC ERGO Optima Restore Plan	This health plan comes with a unique sum restoration benefit which automatically restores the sum insured in case the policyholder exhausts the coverage limit due to any previous claim.
HDFC ERGO My Health Suraksha	This is a comprehensive health plan that comes with many advantages like sum refill benefit, a cumulative bonus that increases your sum insured after every claim-free year, mental health cover, and much more.
	It is available in 3 variants – Silver, Gold, and Platinum Smart Plan
HDFC ERGO Health Medisure Super Top-Up Plan	This is a super top-up plan that will come into force when the policyholder has exceeded the sum insured limit of their base health policy or once the deductible under the plan is paid. It is an ideal plan for families that offers high sum insured at an affordable premium.
HDFC ERGO My Health Women Suraksha Plan	This plan is designed to cover 41 types of women-specific critical ailments and surgical procedures.
HDFC ERGO Critical Illness Insurance Plan	This plan is designed to protect you and your loved ones against 15 critical and life-threatening illnesses. This plan is available in 2 kinds of variants: Silver and Platinum Plan.
HDFC ERGO iCAN Cancer Health Insurance	This is a cash benefit plan that covers hospitalization expenses incurred in the treatment of cancer and also pays an additional 60% of the sum insured when the policyholder is diagnosed with cancer of specified severity.
HDFC ERGO Health Plan for Caring Families	This is a family floater plan that offers broad coverage to you and your loved ones covering major hospitalization expenses arising out of any illness or injury.
HDFC ERGO Health Plan for Aspiring Individuals	This is a complete healthcare plan for individuals that takes care of major medical contingencies at an affordable premium.
HDFC ERGO Medisure Classic Insurance Plan	This plan is intended to offer exhaustive coverage that covers all healthcare-related expenses and also offers automatic reinstatement of the sum insured, along with various other benefits.
HDFC ERGO Health Plan for Senior Citizens	This plan is designed to take care of basic and essential medical expenses of individuals above the age of 60 years. It offers a wide range of sum insured options up to Rs 5 Lakh.
HDFC ERGO Health Insurance for Diabetic	This plan is designed to meet the medical expenses of persons suffering from diabetes and their complications. It is an ideal plan for persons suffering from diabetes.

HDFC ERGO Arogya Sanjeevani Plan	This is a basic health care plan that is designed to cover hospitalization expenses up to the sum insured.
HDFC ERGO Corona Kavach Plan	This plan is dedicated to cover the hospitalization expenses incurred in the treatment of COVID-19.

HDFC ERGO I Health Wallet Plan	This plan is meant to cover the cost of inpatient and outpatient treatments. It is available on an individual and family floater basis.

Why choose HDFC ERGO Health Insurance?

Network hospitals

HDFC ERGO has more than 10,000+ chain of network hospitals across the nation, giving access to hassle-free and top-quality healthcare treatments.

Claim settlement ratio

The company has an impressive track record when it comes to settling claims. The insurer has an ideal claim settlement ratio of 86.52%, signifying that the company is efficient in settling legitimate claims.

Trusted name

The company has established its prominent name in the insurance sector by its impressive financial performance over the last many years. It has also received many awards and recognitions for the same.

Customer support

The company offers 24/7 customer support to its customers when it comes to settling claims, renewals, and other insurance-related queries.

Wide variety of plans

The company offers a wide variety of health plans catering to all kinds of customers and their needs. It offers several health plans for individuals, aging parents, senior citizens, women-specific plans, and much more.

Benefits of health insurance plans by HDFC ERGO

Lifelong renewability

Plans offered by the company offer you a lifelong renewal option that means that the insured can renew the health plan without any limitation or bar on the age limit.

Sum refill benefit

Various plans offered by the company come with an inbuilt sum refill feature, which provides automatic reinstatement of the sum insured in case the policyholder exhausts the coverage limit due to previous claims.

Cumulative bonus

Receive the benefit of a cumulative bonus which increases your sum insured during the claim-free years.

Cashless facility

Avail the benefit of fast and efficient cashless treatments in more than 10,000+ network hospitals all around the nation

Value-added benefits

Along with comprehensive coverage, the company also provides additional value-added benefits like health coaching, dietician, nutritionist, and weight management programs.

Optional covers

Multiple add-on covers or raiders like maternity, newborn baby cover, job loss cover available to help you customize or boost your health plan as per your preference.

How to buy a HDFC ERGO Health Insurance Plan?

You can easily buy a health plan with us on InsuranceLiya.com.

Step 1: Simply furnish us with your name, email, and mobile number.

Step 2: We will call you shortly and assist you with a suitable plan for you or your family.

How to file a claim with HDFC ERGO?

Here are two ways the policyholder can file a claim:- cashless or reimbursement claim.

Cashless claim

You can file for cashless claim if you are admitted to a network hospital of the company.

Follow the simple steps laid down by us to file for the cashless claim.
Step 1: Inform the company 72 hours in advance in case of a planned hospitalization or within 24 hours in case of emergency hospitalization. You can also inform the insurer at their toll-free helpline number 1800-2-700-700

Step 2: Submit your HDFC ERGO health card, identification proof, and duly filled pre-authorization claim form to the insurance desk/ TPA at the hospital. You can download the form from the official website of the company.

Step 3: The hospital will send the claim request to the insurer to receive approval for the same.

Step 4: The company will verify the claim request.

Step 5: After verification, your claim shall be approved and the insurer will directly settle the bill with the hospital before discharge.

Reimbursement claim

You will have to file for a reimbursement claim when you get admitted to a non-network hospital of the company or when your cashless claim is not accepted.

In a reimbursement claim, you will have to initially pay the hospital bill from your pocket and then you can file for a refund from the company.

Follow the simple steps laid down by us to file for reimbursement claim.
Step 1: Inform the company 72 hours in advance in case of a planned hospitalization or within 24 hours in case of emergency hospitalization. You can inform the insurer at their toll-free helpline number 1800-2-700-700.

Step 2: After discharge, collect all supporting documents and submit them to the company to begin the refund process.

Step 3: The company will verify the authenticity of the claim.

Step 4: After verification, the claim will be approved and the company will directly transfer the claim amount to the insured’s linked bank account.

Documents required to file a claim

Original hospital bills
Original bills receipts prescriptions from chemists and pharmacy
Original reports, diagnosis, MRI, CT scans, x-ray
Discharge summary
KYC
FIR (if applicable)
Duly filled and signed pre-request form
Photo ID

HDFC ERGO Health Insurance renewal

It is imperative to renew your health policy on time to enjoy the continuous benefits provided under your plan. Follow these simple steps to renew your HDFC ERGO Health Insurance policy.

Online renewal

Step 1: Visit the official website of the insurer i.e
www. hdfcergo.com and click on the ” Renew” option.

Step 2: Enter the existing policy details.

Step 3: Check your premium details.

Step 4: Pay your premium online.

Step 5: Your policy will be instantly renewed. You will receive a confirmatory email with a premium payment receipt on your registered email id.

Offline renewal

You can also renew your HDFC ERGO health policy by directly visiting the nearest branch and state your renewal request
You can also connect with the company’s customer care officials on 7304-524-888, 022 6234 6234, 0120 6234 6234 for the same.

HDFC ERGO Health premium calculator

You can instantly calculate premiums with the help of a health premium calculator available online. To do so enter the following details in their premium calculator to get the premium amount.

Age
Policy Term/period
Coverage
Required sum insured
Medical history (if any)
Policy type
Sum insured

Benefits of a health premium calculator

Helps you add or deduct optional riders.
Helps in estimating the premium cost.
Assists in adjusting the policy coverage according to your affordability.
Helps in comparing several plans and their cost.

List of Insurance Companies in India

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Motor Insurance

What is hypothecation in car insurance? (Simply explained)

Post author By parastar
Post date July 6, 2021

What is hypothecation in car insurance? (Simply explained)

So, you want to know what is hypothecation in car insurance? Great! Learn about the concept of hypothecation using simple and easy-to-understand examples. This article will discuss the following important points:

What is hypothecation?
Examples of hypothecation
How to add hypothecation to your policy?
How to remove hypothecation from your car insurance policy?

What is hypothecation?

Have you ever bought a vehicle on a bank loan? If you have, then your vehicle has been hypothecated. What does that mean? It basically means that even though your name will come on the motor insurance policy under the ‘insured’ section, the ownership of the vehicle remains with the bank. It will also be mentioned on your car insurance policy that your vehicle has been hypothecated (and the name of the bank).

Examples of hypothecation

Let us understand the concept of hypothecation with a simple and easy-to-understand example. Let us assume that Mr. Shankar bought a new Honda City on loan. As the car is on loan, the RTO will make a note on their part that the vehicle is still not fully paid for and is hypothecated. The ownership of the car will remain with the bank. Once Mr. Shankar pays off the loan, he can remove this hypothecation from his RC book and car insurance policy.

How to add hypothecation to your policy?

You will have to furnish your vehicle financing details to the motor insurance company before purchasing the insurance policy. An RC book copy mentions the financier’s name and will usually suffice. Once the insurance company sees that your vehicle is still not fully paid for, it will mention that this car is hypothecated under the name of your bank.

How to remove hypothecation from your car insurance policy?

You can also remove your car hypothecation once you have paid off the bank loan. Let us understand this process:

Repay your car loan: First, you will have to completely repay your car loan.

Get NOC from the bank: Once your loan is repaid, the bank will provide you with a No Objection Certificate.

Submit documents to the RTO: The following documents will now need to be submitted to the RTO:

NOC from financier or bank
Duly filled Form 35 (this is a form that cancels the hypothecation)
PUC and current insurance policy copy
Pay RTO fees and initiate hypothecation removal: After you submit the above documents, you will have to pay the requisite RTO charges and initiate the removal.

Understanding your car insurance claims process

What is IDV in Car Insurance

What is RTI in car insurance

How to claim car insurance?

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Life Insurance Corporation

LIC Merchant Portal (login process, forgot password, change email ID)

Post author By parastar
Post date July 4, 2021

LIC Merchant Portal (login process, forgot password & change email ID process)

LIC merchants are individuals who are assigned by LIC to collect premiums from policyholders. It is the merchant’s task to collect insurance premiums and update records on the company’s end. They act as a vital cog in the company’s premium collection wing.
This article will show you how to log in to the LIC merchant portal in simple and easy-to-understand steps (with screenshots). Let us begin

How to login to the LIC merchant portal

Step 1: Visit the official LIC website and click on ‘Merchant Portal’

Step 2: Click on ‘Login’

Step 3: Enter your login credentials and press on ‘submit’

Change your LIC merchant portal password

There are times want to change your merchant portal’s password. Let us understand how you can change your password in simple steps.

Step 1: Go the the LIC merchant portal login page and click on ‘Change Password’

Step 2: Change your password and the click on ‘Reset’

Kindly enter your user ID, current password, new password, confirm your new password and click on the ‘Reset button’. Your password will be changed to your new password.

Forgot your LIC merchant password

There are at times that you may forget your password. What happens then? No need to worry, you can easily regain access to your password by following these steps:

Step 1: Go the the LIC

merchant login portal and click on ‘Forgot Password’

Step 2: Enter your user ID and email ID and click on ‘Mail new password’

Change or update your email ID

Let us now understand how you can update your email ID in simple steps.

Step 1: Visit the LIC merchant login page and click on ‘Update email ID to get OTP’

Step 2: Fill in the details with your updated email ID

Life Insurance Corporation of India (LIC)

LIC vs Mutual Funds- Understanding the Difference

List of Insurance Companies in India

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Life Insurance Corporation

LIC Login and Registration Process (Simple Steps)

Post author By parastar
Post date July 4, 2021

LIC Login and registration process (Simple Steps)

Do you want to know how to log into your Life Insurance Corporation (LIC) account? That’s great, logging into your LIC account after registration has a lot of benefits for policyholders as LIC has digitized a lot of their services. A policyholder need not go to a LIC branch for details, he may simply log into his LIC account and view their respective details.
Let us now understand how the login and registration process works with the help of simple and easy-to-understand steps.

LIC registration

For an existing customer to avail of LIC’s online services, he needs to first register on the LIC portal. Understand the registration process below:

Step 1: Visit the official LIC website and click on ‘Customer Portal’ under the ‘Online Services’ sidebar

Step 2: Click on the ‘New User’ button

Step 3: Enter your details

Here, you will need to enter your important details like policy number, date of birth, name, email ID, etc. Once entered, kindly click on the ‘Proceed’ button.

Step 4: Create username and password
You will now be requested to create a username and password, kindly create that. Ensure that you remember both the details as you would need them to log into your LIC account.

LIC login

Step 1: Go to the official LIC website and click on ‘Customer Portal’

Step 2: Click on the ‘Registered User’ button

Step 3: Enter your login credentials

Step 4: Access the LIC dashboard

After login, you can now access the LIC dashboard. You can now access all of the LIC e-services of LIC like making online premium payments, service requests, grievance handling, profile management, premier services, and more.

Benefits of having a LIC account

The benefits of having a LIC e-services account are numerous. Let us understand some of the most important benefits that can make a policyholder’s life simpler.

Make payments online: You can make online premium payments through the LIC portal. This is especially useful during these trying times of the COVID-19 pandemic.

Renew your policy: You can now renew your LIC policy online. No need to visit a branch. Just renew it through the LIC dashboard.

Convenient: The e-services were initiated to increase customer convenience.

Complaint redressal: You can raise complaints using your LIC dashboard and solve your issue.

Check policy status: You can check the status of your LIC policy through their dashboard.

Claim history: Do you want to check your claim history? The portal will provide you with the same.

Life Insurance Corporation of India (LIC)

LIC vs Mutual Funds- Understanding the Difference

LIC Vaya Vandana Yojana- Features and benefits

List of Insurance Companies in India

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bajaj allianz

Bajaj Allianz Plans

Post author By parastar
Post date July 1, 2021

Bajaj Allianz Health Insurance Plans

Are you interested in finding out about health insurance plans offered by Bajaj Allianz ? You have landed at the right place. Let us briefly discuss about the health plans offered by Bajaj Allianz, its plan features and specifications.

Bajaj Allianz Health Guard Individual Policy

It is an individual health plan that protects against all medical emergencies without exhausting your finances. This plan offers 100% automatic sum restoration when the policyholder runs out of coverage due to previous claims. It comes in 3 types of variants- Silver, Gold, and Platinum Plan.

Plan features

This plan covers hospitalization expenses and a listed set of daycare treatments.
The benefit of automatic cover restoration when you exhaust your sum insured due to previous claims.
30 days pre and 60 days post-hospitalization expenses are covered under the plan.
Daily cash allowance up to Rs 500 per day when hospitalized, maximum up to 10 days.
This plan covers the cost of Ayush and Ayurvedic treatments up to a fixed limit.
Emergency ambulance services are covered under the policy.

Plan specifications

Age entry: 3 months – 65 years
Sum insured: Rs 1.5 Lakh – Rs 1 Crore

Bajaj Health Guard Family Floater Policy

This plan is designed to cover you and your immediate family members under a single policy. You can choose to cover yourself, your legally wedded spouse, dependant children, and your parents under this plan.

Plan features

This plan covers hospitalization expenses and multiple daycare procedures.
The plan also covers the cost of various bariatric surgeries like gastric bypass, sleeve gastrectomy, etc.
60 days pre and 90 days post-hospitalization expenses are covered.
Maternity and newborn baby cover available under Gold and Platinum plan.
Organ donor expenses are covered under this policy.
Ambulance charges will be covered up to Rs 20,000.

Plan specifications

Age entry- 3 months – 65 years
Sum insured- Rs 1.5 Lakh – Rs 1 Crore

Bajaj Allianz Critical Illness Health Insurance Plan

This plan is designed to financially protect against 10 listed critical illnesses and conditions. In this plan the policyholder will receive a lump sum payout when diagnosed with any of the set listed illnesses mentioned under the policy.

This policy is available on an individual and family floater basis, where one can cover up to 6 family members.

Plan features

Provides 100% payout to the policyholder when diagnosed with a critical condition like cancer, stroke, first heart attack, and more.
The benefit amount is payable once the illness is diagnosed and the policyholder survives 30 days after the diagnosis.

Plan specifications

Age entry- 6 years – 65 years
Sum insured- Rs 1 Lakh- Rs 50 Lakh

Bajaj Allianz Critical Illness For Women Plan

This plan is specially designed for women, protecting them against specified critical illnesses.

In this plan, the policyholder will receive a lump sum payout when diagnosed with any of the listed conditions mentioned under the policy. Critical conditions such as ovarian cancer, breast cancer, uterine cancer and so on are covered under this plan.

Plan features

100% of the sum insured will be paid to the insured when diagnosed with listed illnesses mentioned in the policy.
Compensation under job loss cover will be payable in case the insured loses their job within three months of the diagnosis.
This policy will also pay up to Rs 25,000 under children’s education benefits cover.

Plan features

Age entry- 21 years -65 years
Sum insured- Rs 50,000 – 2 Lakh

Bajaj Allianz Silver Health Plan for Senior Citizen

As the name suggests, this plan is designed for senior citizens to meet their basic and essential healthcare requirements. This policy starts covering any pre-existing conditions after one year from the date of policy inception. It covers individuals up to 70 years of age.

Plan features

This plan covers the cost of hospitalization expenses and multiple daycare procedures.
60 days pre and 90 days post-hospitalization charges will be covered.
The benefit of 10% increase of sum insured, max up to 50% as a reward for claim-free years.
Emergency ambulance charges will be covered.

Plan specifications

Age entry- 46 years to 75 years
Sum insured- Rs 50,000- Rs 5 Lakh

Bajaj Allianz Health Infinity Plan

This plan is crafted to offer unlimited coverage to the policyholder as there is no limit on the sum insured. It is an ideal plan for individuals who wish to opt for high coverage plans that provide more than sufficient coverage to meet all their healthcare requirements.

Plan features

This plan covers hospitalization expenses without any limit on the sum insured.
This plan covers pre and post-hospitalization expenses.
Ambulance charges are covered under the plan.
Multiple daycare treatments and procedures are covered.

Plan specifications

Age entry- 3 months – 65 years
Sum insured – No limit

Bajaj Allianz Extra Care Plus Policy

Extra Care Plus Policy is a top-up plan that will come into action once the policyholder exhausts the coverage of his base health plan or once the deductible under the policy is paid. It is an ideal plan for individuals who are looking for high coverage at an affordable premium. This plan is available on an individual or family floater coverage basis.

Plan features

This plan covers hospitalization expenses and multiple daycare treatments.
Pre 60 days and post 90 days hospitalization expenses are covered.
All medical expenses related to maternity and its complications are covered under the policy.
Ambulance charges are covered up to Rs 3000 per hospitalization.

Plan specifications

Age of entry- 91 days – 80 years
Sum insured- Rs 3 Lakh – Rs 5 Lakh

Bajaj Allianz Premium Personal Guard Policy

In this policy the company will pay a lump sum benefit in the event of accidental death or any disablement suffered due to an accident. In case of accidental death of the insured parent, the insurer will also pay an extra amount towards the cost of children’s education under the children’s education cover.

Plan features

100% payout in the event of accidental death of the insured individual.
200% payout in case the insured suffers from permanent total disablement due to an accident.
The benefit of fixed lump sum payout in case of accidental death of the insured towards the cost of children’s education, maximum of 2 children.
50% increase of sum insured as a cumulative bonus as a reward for claim-free years.
Receive up to Rs 2,500 as a hospital confinement benefit for a maximum period of 30 days.

Plan specifications

Age entry- 18 years – 65 years
Sum insured- Rs 10 Lakh – Rs 25 Lakh

Bajaj Allianz MCare Health Insurance

This plan is specially created to cover medical expenses related to specific vector-borne illnesses like Dengue Fever, Malaria, Chikungunya, etc. It covers the entire cost of hospitalization when the insured is diagnosed with any of the illnesses mentioned under the plan.

Plan features

This plan covers hospitalization expenses related to 7 vector-borne illnesses and diseases.

Plan specifications

Age entry- 18 years – 65 years
Sum insured- Rs 10,000 – Rs 75,000

Bajaj Allianz Arogya Sanjeevani Plan

This plan provides extensive coverage protecting you and your loved ones against all major healthcare contingencies. It covers the cost of hospitalization and multiple procedures up to Rs 5 Lakh. The plan is available on a family floater as well as individual coverage basis.

Plan features

This plan covers hospitalization expenses and many daycare procedures.
Multiple advanced treatments like stem cell therapy, robotic surgeries, etc are covered under the policy
Pre and post-hospitalization expenses are covered.
This plan covers the cost of Ayush treatment.
Emergency ambulance expenses will be reimbursed under the plan.

Plan specifications

Age entry- 18 years – 65 years
Sum insured- up to Rs 5 Lakh

Bajaj Allianz Health Care Supreme Plan

It is one of a kind plan designed to safeguard you and your loved ones from the costs of medical expenses. This plan covers the cost of hospitalization, maternity, physiotherapy, donor expenses, and so on.

Plan features

This plan covers hospitalization expenses and daycare procedures.
Maternity expenses and their complications are covered under the plan.
This plan covers the cost of physiotherapy and outpatient treatments.
Organ donor expenses are covered under the policy.
Free health check-up available on policy renewal.
Ayush treatment coverage is provided in the plan.
50% increase of sum insured as cumulative bonus during claim-free years.
Pre and post-hospitalization expenses are covered under the plan.

Plan specifications

Age entry- 18years-65 years
Sum insured- Rs 30,000 – Rs 1.5 Lakh

Bajaj Allianz Star Package Plan

Star Package is an all-in-one health plan that offers multiple covers combined together in a single plan. This plan protects against hospitalization expenses, also provides accidental and critical illness coverage. It is an ideal one-stop solution for meeting all your healthcare-related needs.

Plan features

This plan covers hospitalization expenses against any illness or injury.
This plan covers 60 days pre and 90 days post-hospitalization expenses.
Lump-sum payment in case of accidental death and disablement suffered due to an accident.
The plan also covers you against any burglary or break-in to the policyholder’s house.
This plan also safeguards against any legal liability for any damage or bodily harm to third-party property.

Plan specifications

Age Entry- 18years -45 years
Sum insured- Rs 1.5 Lakh – Rs 1 Crore

Bajaj Allianz Health Ensure Plan

This plan offers exhaustive coverage that covers all major medical risks and contingencies. There is no age limit to avail of this policy. The plan offers wide range of sum insured options up to Rs 10 Lakh to choose from.

Plan features

Hospitalization expenses are covered under this plan.
This policy covers you against medical procedures incurred during the treatments.
Emergency ambulance covered up to Rs 1000 per hospitalization.
Ayush treatment expenses covered up to 20% of the sum insured
Organ donor expenses are covered under the plan.

Plan specifications

Age entry- 18 years – 55 years
Sum insured- Rs 2 Lakh – Rs 10 Lakh

Bajaj Allianz Tax Gain Plan

Tax Gain is a family floater plan that covers all expenses related to medical treatments and inpatient care. This plan allows you to save tax also covering outpatient treatments, dental procedures, other consumable charges like spectacles, dentures, and crutches.

Plan features

This plan covers all expenses related to inpatient hospitalization.
Emergency ambulance charges are covered under this plan
30-day pre and 90 days post-hospitalization charges are covered.
Free health check-up after four consecutive claim-free years.

Plan specifications

Age entry- up to 75 years
Sum insured- Rs 3 Lakh

Bajaj Allianz Global Personal Guard Plan

It is a cash benefit policy that offers worldwide coverage to the insured against any accidents or disablement suffered anywhere in the world. It is an ideal policy suitable for individuals who frequently travel abroad. This plan is available on an individual as well as a family floater basis.

Plan features

Accidental death coverage is available to the insured anywhere in the world.
Lump-sum payment of the sum insured in case of any disablement suffered due to an accident.
10% increase of sum insured after every claim-free year.

Plan specifications

Age entry- 3 months – 65 years
Sum insured- Rs 50,000 – Rs 25 Crore

Bajaj Allianz Hospital Cash Plan

As the name suggests, this is a cash benefit plan that provides a daily cash allowance during the hospital stay. Hospital Cash Plan assists in covering various miscellaneous expenses like travel costs, attendant fees, etc that are not covered in a general health policy.

Plan features

Daily cash allowance ranging from Rs 500 up to Rs 2,500 per day.
Receive double cash allowance when admitted to the intensive care unit (ICU).

Plan specifications

Age entry- 18 years-65 years
Sum insured- Rs 500 – Rs 2,500

Bajaj Allianz

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