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Star Health Insurance

What is the Star Health Agent Portal? (A Simple Guide)

Agent portal
Agent portal

What is the Star Health Agent Portal? (A Guide)

The Star Health agent portal is where insurance agents affiliated with Star Health Insurance can login to the portal and create health insurance policies for their clients. It is a comprehensive and feature-rich agent portal that allows affiliated health insurance agents to fulfil their insurance requirements.

An agent can simply login to the Star Health agent portal, and from there, he can quickly and easily create a health insurance policy for his client. This article will talk about the following:

  • How to Login and Register for the Star Health Agent Portal
  • Features and Benefits of the Star Health Agent Portal

How to Login and Register for the Star Health Agent Portal

How to Register for the Star Health Agent Portal

  • Visit the official portal page: You can access the official Star Health Agent Portal page here. Alternatively, you can also search for ‘Star Health Agent Portal’ on your preferred search engine and navigate to the official page from there.
  • Click to register: Now that you are on the portal, navigate to “New Users? Click here to register” and click on it.
Star health agent portal click to register
An Image of the registration link
  • Register: Now, you will need to put in your intermediary code, PAN card number, email ID, mobile number, and captcha code. Once filled out, click on “Register.”
  • Enter the portal dashboard: Now that you are registered, you can begin using the various features that are provided to Star Health agents and begin creating your first online policy.
Star health agent portal registration form
An image of the registration form

How to Login to the Star Health Agent Portal

  • Visit the official portal page: You can access the official Star Health Agent Portal page here.
  • Enter your details: You will be able to see the agent login box on the right side. Enter your user ID, password, and captcha code, and login to the portal.
star health agent portal login box
An image of the login box

Features and Benefits of the Star Health Agent Portal

  • Create policies: This is the most important feature within the agent portal. Through this feature, you can create a variety of health insurance policies for your clients directly through the Star Health Agent Portal. This feature brings with it a whole lot of convenience, as it drastically reduces the paperwork an insurance agent deals with, thereby saving the agent a lot of time and effort.
  • Create payment links: Star Health agents will also have the ability to create payment links directly from the agent portal itself. The agent can then send this link to their clients, and the clients can make the policy premium payment directly through this payment link.
  • Manage renewals: Agents also have the ability to manage policy renewals through the portal. They will get all of the details as and when their policy premiums are due, as well as the premium charges.
  • List of insurance policies: The agent portal highlights the most popular health insurance policies that an agent can sell. Some of the popular Star Health Insurance policies include the Star Family Health Optima Health Insurance Plan, the Star Comprehensive Health Insurance Plan, the Young Star Insurance Policy, the Senior Citizens Red Carpet Health Insurance Plan, and much more.
  • Analytics: As a Star Health agent, you can also access the analytics within the dashboard. This is where the most important facts and figures relating to your account are visible. Some of the data available includes the number of policies sold, the number of renewals, the premium collected, and more.
  • Check claim status: As an agent, you can also check the claim status of your client directly through the portal.

How do I use the Star Health Agent Portal?

You can refer to the official agent portal manual, which you can find here.

The PDF is comprehensive and detail-rich. It will show you how you can do the following:

  • How to Create a Star Health Insurance Policy
  • How to renew a policy
  • How to create a payment link
  • How to calculate the premium
  • How to connect with the customer

These are just a few of the aspects covered in the PDF. It would be worth your while to investigate the PDF in depth and absorb all of the information provided within it; as a new Star Health agent, it can prove quite valuable.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Health

Why do we need food? (A comprehensive Guide)

why do we need food?
why do we need food?

Why do we need food? (A Comprehensive Guide)

Why do we need food? Well, let’s answer this question with a comprehensive guide that talks about a variety of topics such as metabolism, growth, repair, and energy and how they are linked to the food that we eat.

Food and water are essential for our survival, but have we ever considered what goes on behind the curtain when we crave food or when we eat it? Let’s take a deep dive into this topic.

 

  1. Food and Energy
  2. Food and Metabolism
  3. Role of food in growth and repair
  4. Food and the Immune System
  5. Neurology and food
  6. Role of food in hormone regulation

1.) Food and Energy

Why do organisms eat food? The answer is “energy!” This is the fundamental importance of food: to facilitate movement. Movement requires energy, and energy is provided by the food we eat. Our foods are made out of either carbs, proteins, or fats.

The body breaks these down into energy, which is supplied to our organs and muscles, resulting in movement.

2.) Food and Metabolism

We know that our food is broken down into energy, but what is this process called? This breakdown of food into energy is called the metabolic process.

For metabolism to work, the body needs certain nutrients, such as zinc, magnesium, iron, and more. Therefore, it is important that the food we eat be rich in these nutrients that aid metabolism.

3.) Role of food in growth and repair

There is constant wear and tear happening within our bodies, even though we may not see or feel it. It is a constant process of growth and decay. The food that we eat, if it is sufficiently rich in vitamins, minerals, and proteins, aids in the repair of muscles, bones, organs, and even our neurological state.

Therefore, it is extremely important to fuel yourself with high-quality organic and nutrient-dense food items.

4.) Food and the Immune System

Our environment is full of bacteria, viruses, funguses, and other living organisms that can prove to be dangerous to our health and well-being.

So how are we fit and fine even though we are surrounded by so many dangerous elements? The answer is your ‘immune system.’ The human immune system has developed over the course of millions of years of evolution and is competent at dealing with almost any external element.

That being said, it needs to function properly in order to do its job. The immune system also needs nutrients such as vitamin C, zinc, magnesium, and more for optimal performance. Be sure to include such immune-system-building foods in your diet.

5.) Neurology and food

Eating a healthy diet is required for optimal brain function. The brain requires glucose, sodium, zinc, vitamins, and enzymes for optimal function. If the brain gets these nutrients, it functions well. A lack of these nutrients can cause a variety of issues, such as grogginess, lack of focus, lack of energy, and more.

6.) Role of food in hormone regulation

What are hormones? Hormones are like little messengers that regulate the critical functions of our body. For instance, the insulin hormone, which is produced by the pancreas, regulates the level of sugar in your blood stream.

If the level of sugar in your bloodstream is high, insulin is released. This insulin will give the cells of your body a signal to absorb the additional sugar in your bloodstream, leading to lower sugar levels in the blood.

Another important example of hormone regulation through food is the relationship between leptin and appetite. Leptin is a hormone produced by fat cells within the body. This hormone plays a key role in regulating our appetite.

If a person consumes highly processed foods, there is an increase in leptin production, which causes a condition called leptin resistance. Once a person is leptin-resistant, he or she will find it difficult to regulate their diet and appetite, increasing the urge to eat more often.

There you have it; you have now understood why we need food. The food that we eat plays a major role in our physical, psychological, emotional, and hormonal health.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Health

5 ways to find healthy foods near me

healthy food near me
healthy food near me

Top 5 Ways to Find Healthy Foods Near Me

We will talk about the top 5 ways you can find healthy foods near you, be it in a metropolitan city, a town, or even a village. You can find healthy organic fruits, vegetables, and meats if you follow the steps mentioned below.

Why do you need to eat organic foods? Here’s why: in a research study published in 2019 in the health journal “Environmental Research,” it was found that children who ate organic foods had fewer pesticides in their urine compared to children who ate a regular diet. Although pesticides keep pests away from crops, they are inherently harmful to the human body.

Just a few side effects of pesticides include acute and chronic toxicity in the body, respiratory issues, allergic reactions, and developmental issues in children. This makes it clear that we need to ensure that the foods that we consume have little or no pesticides in them.

This is why sourcing organic foods is so important. Let us now find out how we can source organic and healthy foods in India.

  1. Local farmers’ markets
  2. Scout for organic food shops near by
  3. Join a community-supported agriculture (CSA) group
  4. Health food websites
  5. Use filters on food delivery apps
  6. Bonus way: Visit organic farms

1.) Local farmers’ markets

Local farmers’ markets are an excellent choice to source organic fruits and vegetables. This is how you can locate a local farmers’ market near you:

  • Inquire around: Ask around your circle and inquire about your nearest farmers’ market. Chances are there are other people in your network who are interested in eating healthy and are already buying their produce from such markets. Perhaps you can even use Instagram and Facebook to create a broadcast.
  • Use a search engine: If inquiring about your nearest farmers’ market doesn’t get you far, you can always use a search engine to find out where your nearest farmers’ market is. For instance, we did a simple Google search with the phrase “local farmers market near Mumbai,” and the search engine gave a variety of great options, such as the Farmers’ Market in Nariman Point, the Farmers’ Market in Vashi, and the Bandra Farmers’ Market, along with their days and timings.

2.) Scout for organic food shops near by

Organic food shops have been increasing in popularity recently as people become more aware of the benefits of healthy organic foods. Some of the top organic food shops brands include:

  • The Food Hall
  • Suryan Organic
  • Orgpick
  • NBLC Organic Health Store
  • Conscious Foods
  • Navdanya
  • Jaivik Haat
  • Ayuda Organics
  • Natures Basket

3.) Join a community-supported agriculture (CSA) group

A community-supported agriculture (CSA) group is a partnership between farmers and consumers. This is where consumers buy shares in the farmer’s venture, and the farmer supplies produce to the consumers in the form of dividends. It is a novel concept that is quite popular in western nations. 

Popular CSAs in India would include:

  • The Navadarshanam CSA
  • CSA India

4.) Health food websites

This is an extremely convenient way to order healthy organic food from the comfort of your own home. Let us list the most notable websites that deliver fresh, organic, and healthy food directly to homes.

  • Organic Tattva
  • Amazon India
  • Naturally Yours
  • Natures Basket
  • Healthybuddha.in

5.) Use filters on food delivery apps

You can even use popular food delivery apps like Zomato and Swiggy to order organic fruits and vegetables by filtering out only the food partners that deal in organic produce. This is a highly convenient way of placing orders for organic foods for the busy individual.

6.) Visit organic farms (Bonus Way)

What better way to ascertain the authenticity of the food that you eat than by actually visiting the farm on which it is grown? Although impractical for most, the adventurous individual can plan a picnic on the farm and even simultaneously find out how his or her food is grown.

This, however, only needs to be done once, as once you have taken a first-hand tour of the organic farm and are satisfied with what you have seen, you do not need to visit it again.

How do I identify the authenticity of organic food in India?

So, you’ve ordered organic produce at home; now how do you identify the authenticity of the food? Well, follow these steps. Check for the following seals on your food packaging:

  • Jaivik Bharat seal along with the FSSAI registration number
  • India Organic Certified Seal
  • PGS-India Certified Organic Seal

Apart from this, organic foods are generally imperfect and not as pretty to look at compared to GMO foods. Keep an eye on this. They also have a limited shelf life compared to GMO foods.

Studies highlighting the benefits of organic foods over a conventional diet

We know you’re serious about your food, here are 3 studies highlighting the benefits of organic foods compared to GMO foods. Have a look:

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Health Insurance

Health and Wellness (A Comprehensive Guide)

improve health and wellness
improve health and wellness

Health and Wellness (A Comprehensive Guide)

Health and wellness go hand in hand with insurance. It is absolutely imperative that a person keep his health and wellness paramount even after taking out a health or life insurance policy. Taking out an insurance policy is not a protection against poor health. An insurance policy can cover the losses caused by hospitalizations, personal liability, and more. It is designed to provide relief to people if the object of insurance is covered by an insurance company.

That being said, prevention is always better than cure. An ideal scenario would be that a person is protected under the protective umbrella of insurance, but it never rains. In other words, a person has an insurance policy but never has to use it. This is the ideal scenario.

How do we ensure that this ideal scenario manifests itself for us? Well, it’s rather simple: take care of your health and wellness. You will learn about:

 

  • How do we take care of our health?
  • What is preventive health care?
  • Improve mental and emotional well-being
  • Healthy lifestyle habits
  • Holistic wellness approaches
  • Maintaining work-life balance

How do we take care of our health?

We need to take care of our health by having a holistic approach to it. Factors affecting a person’s health are multi-fold, and one needs to be cognizant of all of them to ensure a healthy and energetic life. So, what do we mean by having a holistic approach to health? Well, a holistic approach to health means taking into account a variety of factors that affect our health and wellbeing. The most important factors include:

 

  • Getting good quality sleep: A research study titled “Sleep and Immune Function,” conducted by researchers in Germany over the course of 15 years, has highlighted the direct positive relationship that sleep has with a person’s immunity.
  • Staying active: A research study titled “Health Benefits of Physical Activity: The Evidence” has categorically stated that physical inactivity heightens the risk of developing cardiovascular diseases. Therefore, it is imperative that you incorporate at least a 15-minute daily routine that makes you sweat.
  • Prioritizing metal and emotional health: Multiple research studies conducted by the Department of Public Health at the University of Oxford has come to the conclusion that physical disease may result from emotional distress. Therefore, prioritizing the improvement of your emotional and mental state can radically change your health and wellbeing.
  • Eating high-quality food: The body should be treated as a temple, and like how only good-quality food is offered in temples as offerings, the body should also be nourished with high-quality and organic foods. Foods that are ultra-processed, high in processed sugar, and high in carbohydrates should be switched for protein- and fat-rich organic foods. A research study titled “A high-protein diet for reducing body fat” by researchers highlights the role of protein-rich foods for weight management and reduction.
  • Good-quality water: Our body is made up of more than 60% water. Therefore, it is absolutely crucial that we take in the highest quality water possible and increase the nourishment of our body. The best kind of water that a person can intake is naturally alkaline mineral water. This type of water is directly sourced from glaciers, underground aquifers, or springs and contains minerals and electrolytes that contribute to its alkaline nature. This kind of water is almost free from any harmful chemicals that are introduced to treat and process it.
aqueduct
An aqueduct in France

What is preventive health care?

Preventive health care involves incorporating an activity or a set of activities that increase the health and wellness of a person. Including these healthy habits reduces the likelihood of a person developing health complications later in life. A person should live by the tenet, “Prevention is better than cure.”

Preventive healthcare is more about your attitude and outlook towards health and wellness. A person needs to look at health and wellness in a different light. They need to be more broad and holistic in their outlook on health. Preventive healthcare is basically a type of healthcare that ensures that other types of more invasive healthcare are kept at bay. Remember, staying insured and ready is good, but never needing that insurance is even better.

Here is a list of preventive healthcare routines you can incorporate into your life:

 

  • Routine check-ups: It is rather wise to get yourself checked up by a medical professional once a year, even if you are feeling well. He may give you a list of tests to find out if there are any underlying issues simmering within. Identifying such issues can lead to prompt and swift action that can be taken to eliminate them before they become a concern.
  • Mental health assessment: You don’t need to go to a psychologist or a physiatrist every time you feel low, but it is generally a good idea to talk to someone about your mental health and feelings and let them know about your current state. Further, it is also important that you spend some time alone and try to deduce where such feelings are coming from and attempt to cure yourself from the source rather than just masking the symptoms.
  • Lifestyle modification: We’re human beings and are prone to certain adverse lifestyle choices. That doesn’t mean we can curb or even eliminate them. Some notable lifestyle modification programmes may include smoking cessation, weight management, sugar reduction programs, food management, and more.
check blood pressure
Simple tests like checking your blood pressure and simple blood tests can go a long way

Improve Mental and emotional well-being

As mentioned earlier, keeping your mental and emotional health in tip-top shape will lead to better overall health. How can we increase our mental and emotional health? Here are the top 5 ways to improve your mental and emotional health:

 

  • Practice mindfulness: Yoga can be a fantastic way of improving your mindfulness and staying in the moment. Remember, when you stay in the moment, you forget about the stressors and tensions of life. This results in healing.
  • Engage in self-care: Along with practising yoga, you can also practise additional meditation and breathing techniques like Anulom Vilom, Anapana, and Kapalbhati Pranayama. This keeps your stress levels in check.
  • Be assertive: Being assertive is a life skill you must master. It is clinically proven that people who are less assertive end up doing things that they do not want, resulting in latent resentment within them. This latent resentment may lead to a negative outlook on life, thereby affecting a person’s health and wellness. Therefore, it is important that you learn the skill of saying no.
  • Eat healthy: Eating healthy shouldn’t be a week-long or even a month-long exercise. It needs to be a life choice. A person who wants to eat healthy needs to ensure that he sticks to a diet plan. But how does a person stick to a diet plan? Well, you can stick to a diet plan by being smart about it. Eat foods that are enjoyable. Healthy foods don’t have to be boring; they can be tasty as well. Find a balance.
  • Engage in physical activities: There is a direct relationship between staying active and improving your cardiovascular health, as mentioned before. But the benefits of staying active don’t just end there. Leading an active life leads to hormone regulation, improved blood flow, improved neurological function, improved confidence, improved mood, and much more.
resistance training
Resistance training can be a great way to stay active

Healthy lifestyle habits

Mentioned below are some healthy lifestyle habits that you can incorporate into your daily life to improve the quality of your health and wellness:

 

  • Sleep management: In a research study titled “The Extraordinary Importance of Sleep” by Susan L. Worley, it was mentioned that there is a profound impact of sleep on the attention, cognition, and mood of a person. Aim to get 7-8 hours of high-quality sleep every night. Further, you need to prepare your sleep environment in such a way that you get the maximum amount of deep sleep possible. Ways of doing that include reducing the light exposure in the room, reducing the sound exposure, and keeping the room cool.
  • Avoid or limit smoking: It is no secret that alcohol and smoking are detrimental to health. Aim to reduce your exposure to alcohol and smoking or, at the very least, eliminate these habits entirely gradually.
  • Hit the gym: A research study titled “Long-term members’ use of fitness centres: a qualitative study” highlights the correlation between health and wellness and regular use of the gymnasium.
  • Eat healthy: Limit your consumption of ultra-processed foods like packaged foods and meats. Prioritise the consumption of organic foods and meats. Organic foods are not only free from dangerous chemicals and pesticides; they also generally deliver higher levels of nutrition to the body.
  • Visit nature: As per a study titled “Associations between Nature Exposure and Health: A Review of the Evidence”, researchers stated that there was a positive correlation between nature exposure and cognitive function, mood, anxiety, stress, blood pressure, immunity, and more.
nature trek
A nature trek could be a great way of reducing stress

Holistic Wellness Approaches

Mentioned below are some holistic wellness approaches that you can introduce into your daily life to improve the quality of your health and wellness:

 

  • Practise yoga: The practise of yoga is thousands of years old and has been fine-tuned and perfected across thousands of years by the advanced yogis of ancient India. These yogis were in tune with the functioning of nature and the functioning of the human body, thereby understanding the relationship between nature and the body. Learn these ancient techniques of health and wellness from a yoga guru and take your health to another level.
  • Acupressure: Acupressure originated in ancient China and works by stimulating certain parts of the body to improve wellness. It is based on the concept of unblocking energy pathways within the body. Once these energy pathways are unblocked, a person should generally function optimally.
  • Ayurveda: The health knowledge of ancient yogis, saints, and ancient scientists of India is compressed into the field of Ayurveda. The term “Ayurveda” comes from the Sanskrit words “ayur” (which means life) and “veda” (which means science). Thus, Ayurveda can be termed the “science of life.” Learn about the foundations of Ayurveda and see how you can incorporate its principles into your life.
  • Aromatherapy: Aromatherapy is based on the concept of improving health, wellness, and vitality by inhaling plant extracts. Some of the most popular plans for aromatherapy include lavender, rosemary, thyme, basil, mint, chamomile, and more.
  • Nature therapy: Nature therapy includes visiting natural reserves, greenery, and forests. You can incorporate long walks, horticulture, wilderness therapy, and more to increase your wellness through nature therapy.
  • Sound therapy: Sound therapy uses sounds and their associated vibrations to promote health, wellness, and healing in an individual. Sound therapists may also use a variety of musical instruments to promote healing.
  • Holistic Nutrition: Holistic nutrition is practised by keeping in mind that the foods that you eat are not just a source of energy; they go way beyond that. Some of the most important principles of holistic nutrition include nutrient balance, mindful eating, gut health, whole foods, and more.
A lady practicing yoga

Maintaining work-life balance

People in the metro cities are getting less and less time to develop their mental, spiritual, physiological, and emotional health. This trend is poised to only increase in the future. Knowing this, one needs to be extra cognizant of maintaining a work-life balance that ensures that a person’s equilibrium is maintained. Mentioned below are some of the most important ways to maintain a work-life balance.

 

  • Effective delegation: You do not need to do all of the work yourself. Effective delegation ensures that you are only focused on the important tasks that move the needle, and the other mundane tasks can be delegated to someone else. This will give you more time to focus on your health and wellness.
  • Effective planning: A person needs to make a clear plan in order to prioritise his time. Plan out your day in order to get the most work done in the least amount of time.
  • Assertiveness: Again, being assertive will help you set boundaries at work, which will in turn ensure that you only get the work you signed up for. You can also discuss flexible work arrangements with your seniors if that is an option.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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hdfc ergo

ICICI Lombard Vs HDFC ERGO Health Insurance (A Comparison)

Learn about insurance
Learn about insurance

ICICI Lombard vs HDFC ERGO (A Comparison)

When it comes to safe guarding your health, choosing the right insurance provider can seem like a daunting task. Two of the most renowned names are ICICI Lombard and HDFC ERGO. Both the companies offer a wide range of health insurance policies that cater to different health care needs of individuals. But how are their plans different from each other?

In this article, we will compare some key features of ICICI Lombard and HDFC ERGO. We will also compare two of their most popular plans for your better understanding.

Firstly let us look at some key features of both the health insurance providers

About the Company

ICICI Lombard

HDFC ERGO

Claim Settlement Ratio

99.7%

98.49%

Network Hospitals

7500+

12000+

Incurred Claim Ratio

76%

62%

Branches

200+

650+

Employees

10,000+

10,000+

Difference between ICICI Lombard vs HDFC ERGO Family Health Insurance Plans

Now, let us highlight the key differences between the family health plans offered by both the companies, to give you a fair understanding.

Plan features

ICICI Lombard Health AdvantEdge

HDFC ERGO Optima Restore Family

Hospitalization

Covered

Covered

Restore Benefit

100%

100%

No Claim Bonus

20% increase SI, for every claim free year, subject to a maximum of 100%

50% increase SI, for every claim free year, subject to a maximum of 100%

Co-payment

Available as optional add on cover

NA

Room Limit

No Capping

No Capping

Pre-Hospitalization

60 days

60 days

Post-Hospitalization

180 days

180 days

Health Check-up

Up to ₹ 10,000

Up to ₹ 10,000

Road Ambulance

Covered

Covered

Air Ambulance

Covered upto SI

Covered

Waiting period

Pre-exisiting diseases covered after 2 years

Pre-exisiting diseases covered after 3 years

Maternity Expenses

Covered

Excluded

Ayush

Covered

Excluded

Renewability

Lifelong

Lifelong

Sum Insured

₹ 2 lacs up to ₹ 3 Lacs

Starting from ₹ 3 Lacs up to ₹ 50 Lacs

From the perspective of a health insurance buyer, there are several key differences between the family floater plans offered by the two respective companies. As per our conclusion, we are highlighting some key differences:

 

  • Both plans offer lifelong renewability, ensuring that the policy can be renewed for the insured person’s entire lifetime. They also have similar benefits such as coverage for hospitalization, restore benefit, room limit, pre and post-hospitalization and so on.
  • A significant difference is in the coverage of maternity expenses. ICICI Lombard Health AdvantEdge includes coverage for maternity expenses, which can be beneficial for couples planning to start a family. In contrast, HDFC ERGO Optima Restore Family Plan excludes maternity expenses from its coverage. Therefore, if maternity coverage is a priority, ICICI Lombard’s plan would be more suitable.
  • Another major difference between both plans is the sum insured limit. HDFC ERGO Optima Restore offers a vast range of sum insured choices ranging from 3 Lacs up to 50 Lacs. While ICICI Lombard offers a limited range of sum insured options, only between 2 Lac and 3 lacs. Keeping in mind the rising costs of medical inflation, this might pose a challenge for persons who wish to provide adequate coverage for their family members.

From coverage point of view, HDFC ERGO Optima Restore Family provides a broader range of options, allowing you better coverage to meet your family’s healthcare needs.

ICICI Lombard Critical Illness Cover vs. HDFC ERGO Critical Illness Insurance

Plan features

ICICI Lombard Critical Illness Cover

HDFC ERGO Critical Illness Insurance  ( Silver and Platinum Plan)

Coverage

Covers 9 life threatening illnesses:

  • Cancer of specified severity
  • Open chest CABG
  • Stroke resulting in paralysis
  • First Heart Attack
  • Major Organ/Bone Marrow Transplant
  • Kidney Failure
  • Heart Valve Replacement
  • End Stage Liver Disease

Covers 15 life threatening illnesses:

  • Cancer
  • Heart Attack
  • Stroke
  • Major Organ Transplant
  • Multiple Sclerosis
  • Paralysis
  • Kidney Failure
  • Aorta Graft Surgery
  • Coronary Bypass Surgery
  • Brain Tumor
  • End Stage Liver Disease
  • Alzheimer
  • Heart Valve Replacement
  • Parkinson’s Disease
  • Pulmonary Arterial Hypertension

Renewability

Lifelong

Lifelong

Lumpsum Payout

Applicable on first diagnosis of any of the specified illnesses

Applicable on first diagnosis of any of the specified illnesses

Sum Insured

Starting from ₹ 5 Lacs

 ₹ 3 up to ₹  12 Lakh

While both plans are pretty much similar, ICICI Lombard Critical Illness Cover focuses on a narrower range of nine specific illnesses, while HDFC ERGO Critical Illness Insurance provides coverage for fifteen life-threatening illnesses.

Hence, you must consider the health care needs of yourself and your family members and also check out the specified illnesses covered by each plan to make an informed decision.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Health Insurance

HDFC ERGO vs Star Health Insurance

Learn about insurance
Learn about insurance

HDFC ERGO vs Star Health Insurance

When it comes to choosing a health insurance provider, there are a plethora of options available in the market. Two of the most prominent names are HDFC ERGO and Star Health Insurance. Both companies offer a range of health insurance policies to suit different needs and budgets, but how do they compete against each other?

In this article, we will compare some key features of both companies. We will also compare two of their popular plans for your better understanding.

Firstly, let us compare important key features HDFC ERGO and Star Health Insurance.

Key Important Features

Particulars

HDFC ERGO Health Insurance

Star Health Insurance

Network Hospitals

12000+

14000+

Claim Settlement Ratio

97%

99.06%

Incurred Claim Ratio

62%

63%

Branches

650+

 830+

No of Plans

6

11

Employees

10,000 +

 14,500+

HDFC ERGO vs Star Health Insurance (Individual Health Plan)

Plan features

HDFC ERGO Optima Restore Plan

Star Comprehensive Insurance Policy

In-patient Care

Covered

Covered

Auto Recharge

100% for any illness

100% for any illness

Cumulative Bonus

50% increase of SI, after every 2 claim free years, up to a maximum 100%.

50% increase of SI up to maximum of 100%.

Pre-Hospitalisation

60 days covered

60 days covered

Post- Hospitalisation

180 days covered

90 days covered

Room Rent

Single room

AC room, single room

Air Ambulance

Covered up to ₹ 5,00,000

Covered up to ₹ 5,00,000

Maternity Coverage

Not available

Available

Co-payment

NA

10% if plan purchased after 61 years of age.

Outpatient Consultation

Covered

NA

Renewability

Lifelong

Lifelong

HDFC ERGO vs Star Health Insurance (Cancer Health Plan)

Plan features

HDFC ERGO iCan Cancer Policy

Star Cancer Care Platinum Policy

In-patient Care

Covered

Covered

Pre-Hospitalisation

30 days covered

30 days covered

Post- hospitalisation

60 days covered

60 days covered

AYUSH

NA

NA

Cumulative Bonus

NA

5% increase of the Sum Insured for each claim-free year subject to a maximum of 50%.

Lumpsum Payout

In-built

Optional

Second Medical Opinion

Covered

Covered

Conclusion

Ultimately, the choice between HDFC ERGO and Star Health Insurance will depend on your individual needs and priorities. It’s important to carefully check the coverage and benefits offered by each company to make an informed decision.

While both the companies offer extensive coverage and benefits, it’s important to evaluate your personal healthcare needs and budget before making a final decision.

Also, before choosing a health insurance provider, it is imperative to know the network hospitals of the insurer around you. It is also important to check the claim settlement and incurred claim ratios, as they are strong indicators of the financial strength and reliability of the insurance company.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Motor Insurance

NDLS Ajmeri Gate Premium Car Parking (All Details)

NDLS Ajmeri Gate Premium Car Parking (All Details)

NDLS Ajmeri Gate Premium Car Parking is a premium car parking lot found within New Delhi railway station. The northern railways realized the need and potential of offering a premium car parking facility within New Delhi railway station and began the NDSL Ajmeri Gate premium car parking operations where drivers are charged a fee for parking their vehicles.

This article will talk about the following:

  • How to get to NDSL Ajmeri Gate Car Parking
  • Parking Rates
  • Types of Parking available at Ajmeri Gate Car Parking

How to get to NDSL Ajmeri Gate Car Parking

First, you will need to enter the New Delhi Railway Station from the Ajmeri Gate end, once you enter the New Delhi Station from the Ajmeri Gate side, the NDSL Ajmeri Gate premium car parking is located on the left side. It is hard to miss as there is a big board highlighting the car park area. The parking area is besides platform no 16 at the New Delhi Railway Station.

We have also mentioned the Google Maps location of the Ajmeri Gate Car Parking below.

Parking Rates

Below mention are the parking rates for NDSL Ajmeri Gate premium car parking services:

  • Entry fee Rs. 30 if you wait for more than 8 minutes
  • First 2 hours Rs. 150, thereafter you will have to pay Rs. 100 per hour.

If you are considering parking for an extended period then may be you can consider the New Delhi General Parking lot as it is considerably cheaper at a rate of Rs. 200 for 24 hours.

Free parking spaces are also available at Lotus Temple, Kamal Cinema, Shivaji Kunj, Kalkaji Mandir, and more. It is pertinent to note that security may not be available at these locations.

If you are considering parking for a lesser duration and are looking for good security and connectivity then NDSL Ajmeri Gate premium parking may be a good choice, if you are looking for extended parking then the New Delhi General Parking lot and the free parking spaces mentioned above may be a good choice.

Types of Parking available at Ajmeri Gate Car Parking

NDSL Ajmeri Gate car parking offers the following types of car parking options:

  • Multi-level car parking
  • Premium car parking
  • Surface car parking

Importance and Benefits of Premium Parking at NDSL Ajmeri Gate

  • Direct Walk-in access: You can directly access the premium car parking by entering New Delhi Railway station through the Ajmeri Gate. The place is accessible by 4-wheelers as well as 2-wheelers. You can also walk to it.
  • Good connectivity: The NDSL Ajmeri Gate car park displays good connectivity where it is connected to the New Delhi Railway Station. People can access the Metro as well as private taxis for their transportation requirements after they park their vehicle at the parking lot.
  • Within New Delhi Railway Station: The parking lot is within the railway station premises itself, that makes it an ideal spot to park your vehicles when you are dropping of your friends and family at the station.

Ajmeri Gate Premium Car Parking Location (Google Maps)

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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New India Assurance Health Insurance Plans

New India Yuva Bharat Health Policy (Complete Details)

Learn about New India Assurance
Learn about New India Assurance

New India Yuva Bharat Health Policy (Complete Details)

New India Assurance Yuva Bharat Health Policy by New India Assurance aims to provide affordable and accessible healthcare to India’s youth. From covering injuries arising from adventurous sports to maternity expenses. Yuva Bharat Health Policy is an affordable healthcare plan for young people that provides access to quality healthcare without worrying about financial burden. In this article, we will talk about the following:

 

  • About the Plan
  • Benefits of Yuva Bharat Health Policy
  • Key Features of Yuva Bharat Health Policy
  • Exclusions under Yuva Bharat Health Policy
  • Premium Chart of Yuva Bharat Health Policy

About the Plan

Yuva Bharat Health Policy by New India Assurance is an extensive health insurance policy for young people between the ages of 18 and 45. This policy offers coverage for hospitalisation expenses, pre- and post-hospitalisation costs, AYUSH, and advanced treatments arising out of any illnesses or accidents.

This plan also covers maternity expenses, road ambulance charges, injuries due to adventurous sports, and much more. The sum insured options available under this policy start at ₹ 5 Lac up to ₹ 50 Lacs. The policy comes in three types of variants: Base Plan, Gold Plan and Platinum Plan.

Benefits under the policy will vary according to the plan selected by the policyholder. You can choose to cover up to six family members under family floater basis. This policy can also be purchased on an individual coverage basis.

Benefits of Yuva Bharat Health Policy

Below are a few benefits provided under the Base Plan:

 

  • Hospitalisation Coverage: This plan covers all hospitalisation expenses incurred by the policyholder due to any illnesses or accidents.
  • Hospital Cash: This policy will provide a daily cash allowance starting from ₹ 500 up to ₹ 1000 for a period of five days during hospitalisation.
  • Ambulance Charges: This policy will reimburse ambulance expenses starting at ₹ 5000 up to ₹ 10,000, depending on the sum insured.
  • Injury due to Adventurous Sports: Any injury suffered due to adventurous sports like paragliding, bungee jumping, etc. will be covered under the plan.
  • Pre/Post Hospitalisation: This policy covers 60-day pre and 90-day post-hospitalisation expenses incurred by the policyholder.
  • AYUSH Coverage: This plan covers the cost of alternative treatments like Ayurveda, Unnani, Siddha, etc. up to the sum insured limit.

Benefits under the Gold Plan

In addition to the base policy coverage, the following benefits will be provided under the Gold Plan:

 

  • Personal Accident Coverage: The policyholder or the beneficiaries under the policy will be financially compensated in case of death or injury sustained due to an accident. The insurer will also financially compensate in the event of any permanent disability due to an accident.
  • Air Ambulance Coverage: Under the Gold Plan, air ambulance charges will be covered starting from ₹ 50,000 up to a maximum of ₹ 1,00,000, depending on the sum insured.
  • 10% Auto Recharge: 10% sum restoration benefit, which automatically reinstates the sum insured for the treatment of the same illness once during the policy period. This feature will be applicable in cases where the policyholder has exhausted the base sum limit due to previous hospitalisations.
  • Critical Care Benefit: The company will provide a lump sum payout in case the policyholder is diagnosed with any of the life-threatening illnesses mentioned under the policy. The amount payable will range from ₹ 1,00,000 up to ₹ 250,000 depending on the sum insured selected.

Benefits under Platinum Plan

In addition to the benefits of Base Plan and Gold Plan, the following benefits will be provided under Platinum Plan:

 

  • Maternity Coverage: Under the platinum plan, hospitalisation expenses arising out of maternity related treatment will be covered up to ₹ 25,000 in the case of a single baby. Maternity expenses will be covered up to ₹ 37,500 in the case of twin babies.
  • Infertility Treatment Coverage: Under this plan, the cost of infertility treatments will be covered from ₹ 50,000 up to ₹ 1,00,000, depending on the sum insured selected.
  • Birth Right Cover: In case the new born baby is diagnosed as suffering from any of the specified illnesses, like autism or down syndrome, a lump sum payout will be payable by the insurer.
  • Vaccination Coverage: Under this plan, the vaccination expenses of the new born child will be covered up to 0.1% of the sum insured for up to two years.

Features of Yuva Bharat Health Policy

Below are a few key features of this policy:

 

  • Waiting Period: Any pre-existing illnesses or conditions suffered by the policyholder will be covered after a waiting period of 24 months.
  • Lifelong Renewal: This policy comes with a lifelong renewability option, which means the policyholder can renew their policy without any restriction on age.
  • Specified Illness: The cost of illnesses like cataract, hernia, etc. specified under the policy will be covered after a waiting period of 12 months.
  • No Mandatory Check-up: A medical check-up is not compulsory before purchasing the policy.
  • Add on Cover: Optional add on cover options, such as Enhance Maternity Limit Cover, is available for better coverage.
  • Eligibility Criteria: Adult individuals starting from 18 years old to 45 years old can purchase this policy. Dependant children starting from 91 days to 25 years can opt for this plan.
  • Discounts: The company offers a 10% discount on maintaining healthy parameters of BMI, blood sugar, and blood pressure readings. The company also offers a floater discount of 10% for insuring all your family members under one policy.

Exclusions under Yuva Bharat Health Policy

Following are the general exclusions mentioned under this policy:

  • Obesity treatments and procedures
  • Cosmetic treatments and surgery
  • Sex change treatments
  • Unproven/Experimental treatments

Premium Chart of Yuva Bharat Health Policy

To help you better understand the sum insured options and their corresponding premiums based on age and location, we have provided a sample premium chart below.

  • Zone 1: includes the major cities of India, such as Mumbai, New Delhi, Mumbai Suburdan, Thane, Navi Mumbai, Ahmedabad, Vadodara, and Surat.
  • Zone 2: Rest of India

Premium Chart of Yuva Bharat Health Base Policy ( Zone 1)

Age Group

Sum insured: ₹ 5 Lakh

Sum Insured: ₹ 10 Lakh

3 – 17 months

₹ 3,269

 ₹ 4,296

18-30 years

₹ 4,712

 ₹ 6,240

31- 35 years

  ₹ 5,731

 ₹ 7,614

36 -40 years

₹ 7,267

 ₹ 9,687

41-46 years

  ₹ 9,602

 ₹ 12,837

46- 50 years

 ₹ 12,246

 ₹ 16,410

51- 55 years

 ₹ 15,827

 ₹ 21,240

56 – 60 years

 ₹ 20,235

 ₹ 27,200

61- 65 years

 ₹ 27,459

 ₹ 36,945

66 years and above

 ₹ 31,074

 ₹ 41,822

To check out the premium chart for Zone 2 and other covers available under this policy, refer to the policy prospectus.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Frequently Asked Questions

  • Who can be covered on a family floater basis?

    You can choose to cover yourself, your spouse, and your dependent children under this policy. Policyholders can cover up to six members on a family floater basis.

  • What are the plans available under this policy?

    New India Yuva Bharat Health Policy comes in three variants:
    Base Plan, Gold Plan, and Platinum Plan..

  • What is the free look period available under the Yuva Bharat Health Policy?

    Free look period of 15 days is available under this policy.

  • What is the cumulative bonus available under this policy?

    A cumulative bonus ranging from 10% up to 30% is applicable for every claim free year.

  • Is the portability feature available under this policy?

    Yes, the portability option is available under the policy.

    • Categories
    Motor Insurance

    How to Find a PUC near me?

    PUC near me
    PUC near me

    How to Find a PUC near me?

    Have you ever asked yourself “Where is a PUC near me?” in order to get your PUC certificate renewed? This article will tell you exactly how to locate the nearest PUC center and get your PUC certificate.
    We will also give you the exact steps you need to follow to find the nearest PUC center to you. We will talk about the following:

    • Steps to locate a PUC near you
    • PUC centers in Maharashtra
    • Importance of PUC

    Steps to locate a PUC near you

    You can locate the nearest PUC to you by following these steps:

    • Search for ‘PUC Center List’: You will need to search for ‘PUC Center List’ on your preferred search engine. Once you’ve searched for it, kindly navigate to the official PUC Center List tool by the Ministry of Road Transport and Highways.
    • Enter Details: Once you are on the official PUC Center List tool, you will need to enter your State and your Office.
    • PUC Near Me: Now, once you’ve entered your State and your Office, the PUC Center List tool will mention a list of all of the PUC centers in your jurisdiction.
    • Export to PDF: Now, in order for you to locate a PUC near you, you will need to export this data by clicking on ‘Export to PDF’ and download the PDF.
    • Search the PDF: Now that you have downloaded the PDF, search the PDF by pressing ‘Ctrl and F together.’ Now enter your Pin code, if there is an authorized PUC center in your location, it will then be highlighted on the search. If not, then try entering pin codes or places near your location.

    Alternatively, you can also navigate through the PDF to manually find your nearest PUC center.

    PUC near me tool
    PUC Center locator tool by the Ministry of Transport

    PUC Centers in Maharashtra

    You can find your nearest PUC (pollution under control) center in Maharashtra by following the steps mentioned above. Alternatively, you can also directly access a list of all of the PUC centers in Maharashtra by visiting the official PDF issued by the Ministry of Transport of Maharashtra.

    Once you open the PDF, just put in your pin code and locate your nearest PUC center. It’s as simple as that.

    Importance of PUC

    Mentioned within are some of the most important benefits of ensuring that you do your vehicles PUC in a time to time manner.

    • Fines and penalties: Driving without a valid PUC will lead to a fine of Rs. 1000 for first time offenders and Rs. 2000 for repeat offenders.
    • It is mandatory: It is mandatory for every vehicle on the road to have a valid PUC under section 190 (2) of the Motor Vehicle Act.
    • Keeps pollution under check: Doing regular PUC checks will ensure that the pollution caused by vehicles is reasonably under check.
    • Keeps your car healthy: A PUC test finds out if there are any issues within your vehicle. If the emissions are higher than normal, it indicates an issue within your vehicle that needs to be diagnosed and fixed.
    • PUC is mandatory for insurance: If you are looking to buy motor insurance, you first need to show the insurance company a valid copy of your vehicles PUC, only then the motor insurance company can issue a motor insurance policy for your vehicle.

    Author Bio

    This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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    New India Assurance Motor Insurance Plans

    Learn about Pay As You Drive Policy By New India Assurance

    New India Assurance Motor Insurance
    New India Assurance Motor Insurance

    Learn about Pay As You Drive Policy By New India Assurance

    Pay As You Drive Policy by New India Assurance is a newly launched motor insurance policy in India. This policy uses a unique approach to premium calculation assisting policyholders to pay only for the kilometers driven by their vehicle during the policy tenure. Making it an ideal choice for persons who are looking out for a motor insurance policy at an affordable premium.

    This article will talk about the following:

    • About the Policy
    • Benefits of Pay As You Drive Policy
    • Coverage offered under Pay As You Drive Policy
    • Exclusions under Pay As You Drive Policy
    • Add On Covers available under the policy
    • How to file claim under Pay As You Drive Policy?

    About the Policy

    Pay As You Drive is a recently launched innovative car insurance policy by New India Assurance. This is a comprehensive motor insurance policy designed to calculate the premium based on the usage of the vehicle.

    The policyholder will be requested to declare the current odometer reading of their vehicle on buying the policy. The policyholder will also be requested to provide an estimation of kilometers they expect to drive during the policy period. Based on this information, policyholders can choose their preferred slab of options offered in the policy.

    The policyholder’s can choose to opt for the following options provided under this policy: Up to 4,000 kilometers, Up to 6,000 kilometers, Up to 8,000 kilometers, Up to 10,000 kilometers.

    In the case the policyholder has driven the vehicle more than the selected number of kilometers the policy will still continue to provide coverage. Although at the time of policy renewal, the policyholder will be entitled to a discount calculated based on the actual kilometers completed.

    Coverage options under Pay As You Drive

    Now let us talk about the coverage under this policy. This policy offers three types of coverage options to choose from:

    • Annual Cover: Under this cover, Third Party and Own Damage Insurance of the vehicle will be provided for one year.
    • Bundled Cover: Under this cover, Own Damage Insurance will be provided only during the first year of the policy. Whereas Third Party Insurance coverage will be provided for three years. This cover is only applicable to brand new vehicles.
    • Standalone Own Damage Cover: This cover provides Own Damage Insurance and does not offer any Third Party coverage.

    Benefits of Pay As You Drive Policy

    Below are a few benefits offered under the policy:

    • Usage-based Premium: This policy calculates the premium based on the actual usage or kilometers run by the vehicle. This means that policyholders who drive less can pay a lower premium and enjoy the benefits provided under the policy.
    • Encourages Safe Driving: The policy encourages policyholders to adopt safe and responsible driving habits by offering discounts on the Own Damage Insurance premium for good driving behaviour.
    • Flexibility in Slab Selection: Policyholders can choose the kilometer slab option based on their expected usage during the policy term. This feature enables the policyholder to choose the right coverage as per their needs.
    • Transparent Premium Calculation: As the premiums are based on actual usage of the vehicle, this provides policyholders with a better understanding of the premium they are paying and how it is being calculated.
    • Discount on Renewals: Policyholders will be eligible for PAYD discount based on the actual kilometers completed by their vehicle. In addition to that, the policyholder will also be eligible for the No Claim Bonus Benefit (NCB), as per policy terms.

    Types of Plans under Pay As You Drive Policy

    This policy comes in two kinds of variants: Basic Cover and Gold Cover.

    1.) Basic Cover

    The insurance company will provide financial assistance in case of:

    • Mechanical and electrical breakdown
    • Keys locked inside the car
    • Battery jump start
    • Flat tire
    • Fuel delivery

    2.) Gold Cover

    Under this cover, in addition to the basic cover, the company will also provide financial assistance in the case of wrong fueling, cab assistance.

    Exclusions under Pay As You Drive Policy

    Following are the general exclusions under the policy:

    • Any customization or additional fittings made to private cars, allowing policyholders to customize their vehicles, will not be covered.
    • All the exclusions listed under the Private Car Section of the Indian Motor Tariff 2002 will not be covered under this policy.
    • Any claim arising in extended geographical locations will not be covered, as per policy terms and conditions.

    Add on Covers available under the policy

    Policyholders can choose to opt for an add on cover with their base policy to enhance their coverage and avail of maximum protection. Some of the available add on covers are as follows:

    • Nil Depreciation Cover
    • Engine Protect Cover
    • Roadside Assistance Cover
    • Return to Invoice Cover
    • Personal Belongings Cover
    • No-Claim Bonus Protection Cover

    How to file claim under Pay As You Drive Policy?

    Follow these simple steps to file a claim under the policy:

    • Step 1: Inform the insurer immediately in case of an accident.
    • Step 2: Dully fill out and sign the claim form that will be available at the nearest branch of the insurer. Submit the claim form along with relevant documents like registration certificate, driving licence, original bills of repair, FIR report, etc, depending on the nature of the claim.
    • Step 3: The insurer will appoint a surveyor to inspect the condition of the vehicle. In case of major damage, a spot survey will be conducted at the accident site.
    • Step 4: Submit all the requested documents to the company.
    • Step 5: After thorough inspection of the claim, your claim will be approved.

    Author Bio

    This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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    Frequently Asked Questions

  • What are the kilometre slab options available under Pay As You Drive Policy?

    The following options are available to choose from:

    • Up to 4,000 kilometers
    • Up to 6,000 kilometers
    • Up to 8,000 kilometers
    • Up to 10,000 kilometers
  • Will the policy lapse if the vehicle has run more than the selected kilometer slab?

    No, the policy will still be active until the end of its tenure. However, the discount will be calculated on the basis of the actual kilometers completed by the vehicle.

  • What are the eligibility criteria under Pay As You Drive Policy?

    This policy is currently available for private vehicles.