Vast Range of Options to Secure Your Health Through Medical Insurance

Health is still the true wealth. If a person is not healthy, he is unable to earn to his full capacity and the expenses of the household also peak. That is why it is necessary to safeguard you and your family against unexpected health expenses that may arise anytime unexpectedly. Here we have listed out some interesting health insurance plans and how they help to secure your health and future:

Mediclaim Policy

A health total policy covers all aspects of individual and family health in one policy. You can choose between the Vital, Superior and Premiere plans based on your requirements. The plan covers a vast range of medical expenses such as accidental hospitalisation, patient care expenses, emergency medical evacuation, maternity expenses among others. Child vaccination benefits and medical treatment abroad are also covered in the higher plans. If you plan to buy health insurance to protect your family during health crisis, this plan is a good choice. The minimum tenure of this plan is one year and the maximum tenure is 3 years. The entry age and maximum age may also vary based on the plan you select. The policy holder also enjoys a 50% of the cumulative bonus for each claim-free year.

Top-up Plans

Top up plans are designed for the convenience of the buyer. The health insurance top up plan allows you to extend an existing health insurance policy at a much smaller premium. Similarly, top up plans help you gain cover for various health expenses that may arise such as inpatient expenses, hospitalization expenses and additional inpatient expenses. The main reason why people go for these medical insurance plans is because they are flexible, affordable and portable. They come with floater benefit and a 30 days lookup period too. The cashless claims can be made in just 90 minutes making the turnaround time real short. These plans help to cover the additional expenses that was not covered in your individual health insurance policy.

Critical Illness Policy

A critical illness in the family can greatly affect the morale of the family. In such times, proper financial backing alone can help you beat the challenges that are posed. That is why Future Generali’s Critical Illness Cover is an excellent choice to be prepared for the worst. This critical illness cover provides financial cover for severe illnesses like Kidney Failure, Liver Failure, Cancer, Multiple Sclerosis and Primary Pulmonary Arterial Hypertension. It also covers during the first occurrence of stroke, coma, heart attack or total blindness. The lumpsum benefit offered by this policy makes it a reliable choice for people with critical illness. The policy covers 12 major illnesses and also offers tax benefits. The cover available to a person may differ based on the age and health of a person.

Personal Accident Cover

Accidents can happen anytime and there is no way you can predict an accident before it happens. The best thing you can do is to select a good personal accident cover to protect yourself and your family from such accidents. Future Generali’s Personal Accident Cover can be used to cover anyone in the age range from 18 to 70 years. The policy can also cover children in the age group of 3 to 25 years as dependents. The policy offers many protections such as temporary total disablement cover, permanent partial disablement cover, permanent total disablement cover and also accidental death cover. You and your family enjoy a worldwide 24/7 cover against accidents. The policy is extremely flexible and allows you to cover your spouse and children also under the same policy. These health insurance plans for family protect your family. They are highly flexible, portable and also offer you a free lookup period of 30 days.

Mosquito Insurance

As the count of diseases that are spread by mosquitos increase, here is a plan to get you covered against these too. The Mosquito Insurance will protect your family against vector borne diseases. The diseases covered under this policy are Dengue, Malaria, Lymphatic Filariasis, Chikungunya, Zika Virus, Kala-azar and Japanese Encephalitis. When you pay the premium upfront, you also enjoy a 7.5% discount. The policy covers anyone from 1 day old to any age. The maximum age of the person taking the policy needs to be 65 years. It is possible to renew this policy throughout life. The patient gets lumpsum payment if he gets hospitalised for any of the conditions listed above. This is one of the online health insurance plans and you can request for a quote after choosing the cover. You can then fill in the details, agree to the terms and conditions and make payment. A copy of the policy will be mailed to your email account.

Which is The Best Health Insurance Plans in India

A health insurance covers all the medical, hospitalization, treatment, lab costs and even critical illness costs. Understanding the changing needs of the customers and policy buyers, Future Generali has come up with some very useful health insurance plans to cover you against all sorts of health issues. The top up plans help to add the sum necessary for additional expenses that are not covered in the original policies. The critical illness policy keeps you covered against the critical illnesses that torment people today. These policies are designed to cover people in different age groups and in need of different health support.

The policy processing as well as claim processing is made quick so that the buyers do not have to struggle. Wait no more! It is time you assess the different health insurance policy options and pick what is best suitable for your family health needs. Invest a small sum now so that your future health and finances are secured. Take time to check what is covered in the given premium. Even if you are not sure, there is a 30 day lookup period for you to make up your mind and select the right health insurance plan for family members and yourself.

7 Reasons to Take International Student Travel Insurance by Future Generali

Students who travel abroad for their international studies need to be covered. The international student travel insurance by Future Generali is an excellent choice for students who travel abroad. Here are some interesting reasons why you should choose this travel insurance for students:

Get Covered for Passport Loss

Anything can happen when you are travelling to a foreign land for further studies. This insurance policy covers the loss of passport. You get compensation for getting a duplicate or a temporary passport overseas with the help of this policy.

Get Covered for Personal Accident

The policy also covers for personal accident that may take place when you are abroad. It covers for accidental death or permanent disablement worldwide. You can lodge a claim under tuition fee or sponsor protection under a single event.

Get Covered for Baggage Loss or Delay

The students are also covered for baggage loss or baggage delay. The policy covers the expenses incurred due to the delay in receiving baggage. In case of loss of a baggage, a sum upto a certain assured limit will be paid to you.

Get Reimbursement for Unused Tuition Fees

In cases where the students discontinue their studies mid-way for a semester for which the fees have been paid, they receive a reimbursement for the unused tuition fees through this policy.

Get Sponsor Protection

If your sponsor dies accidentally or undergoes permanent disablement due to an accident, the fee incurred for the remaining period of the education upto a maximum limit will be reimbursed.

Get Covered for Medical Expenses

An accident or sickness when you are in a foreign land can be all the more challenging. That is why this policy also covers for medical expenses due to sickness or accidents and ensures your safety.

Get Global Protection with the Worldwide Coverage

The insurance policy is designed to provide worldwide coverage and 24/7 assistance to the policy holders. The comprehensive coverage of this policy accounts for a number of expenses that may occur when you are travelling abroad for further studies.

Some Things Not Covered in this Policy

While is policy is quite comprehensive, there are some things that are not covered by this policy. Here we have listed these:

1. The policy does not cover for self-inflicted injury or illness
2. The policy does not cover for pre-existing diseases or complications
3. The influence of drugs is not covered by this policy
4. The policy does not cover for alcohol and drunkenness 
5. The policy also does not cover for HIV or AIDS

Buy the international student travel insurance in few easy steps

You can buy the insurance policy in just a few easy steps as stated below:

1. You need to pick your Visa type, travel duration with exact dates and the coverage
2. You need to then fill up the proposal form with basic details like the Passport number
3. You need to review the proposal before making the payment online
4. Download your policy and maintain it as a record

Is Online Car Insurance Safe?

The emergence of digital channels has altered the landscape of buying and selling goods. Now this revolution has proliferated and penetrated into the domain of car insurance. More and more people are turning to the internet to not only purchase their car insurance policy but also secure the claim for motor insurance.

In this busy world, no one has the time to head to a brick and mortar store and have a long face to face conversation followed by paperwork which takes a long time to conclude. The majority of professionals prefer the online option to buy vehicle insurance as they think it saves their time and effort.

So, yes, from the standpoint of the convenience and the increasing number of buyers who prefer to buy the insurance policy for their car online, it seems to be a safe bet. Wondering why? Here is a set of reasons that vindicate this point.

Why purchasing car insurance online is safe?

If you have been seeking an answer to this question, you are not alone. Every buyer asks this question before deciding on car policy. After all, buying an insurance policy is not a one-time investment. It is a long-term decision for your car.

As far as buying a car insurance policy on the internet is concerned, most car owners consider it a safe bet. Here are some good reasons due to which the advocates of online care insurance policy support this view.

1. Technology secures the data of those who buy car insurance online

Experts believe buying an insurance policy online brings many benefits to the table for a buyer. Prominent among them is security. Due to advanced features like firewalls, buying a car insurance policy on the internet appears to be a safe option nowadays than ever before.

2. IRDAI keeps an eye over the functioning of motor insurance service providers

Insurance agencies are regulated by IRDAI – Insurance Regulatory Development Authority of India. Aside from looking into the development of the insurance industry, it also takes care of the interests of those who buy different kinds of insurance policies, including car insurance policy.

Among other things, it maintains a list of top and reliable companies that deal with insurance policies for cars. As a buyer, all you need to do is find out if you are buying your car policy from one of the leading companies recommended by the regulatory body.

3. The internet allows the buyers of car insurance policy to make an informed choice

One of the main reasons why people browse the internet is to search for a piece of information. Most users perceive the World Wide Web (WWW) as the treasure house of facts concerning a wide range of topics. This also includes information about car insurance policies.

Unlike in the past, the majority of people decide on car policies nowadays only after weighing the pros and cons of different plans. With the availability of cheap data, people have a powerful platform to get answers to almost all their questions.

Thousands of websites offer valuable information about different car insurance policies. People go through the details of each of these policies to figure out the car policy of their choice.

4. It is safe to do transactions linked to a car insurance policy on the internet

The transition of technology has made a positive contribution to the security of online transactions. It is safe to do online transactions these days on the internet - thanks to a host of security features and tools.

One can either visit the website of an insurance service provider or use their mobile application to carry out an online transaction. Due to advanced technology, user data remains secure in both cases. Even as some people cite the incidents of hacking and cybercrimes as the risk factors in connection with doing online transactions, digital technology has enough tools to address this requirement.

5. It is cheaper to buy vehicle insurance policy online than doing so at a concrete and brick store

Contrary to what most people believe, it is much cheaper to buy a car insurance policy online than doing so at a brick and a mortar store. This is because there is no involvement of a broker in it. Due to the process being independent of a broker, you do not need to arrange for the arrangement of online brokerage charges. 

On the other hand, you not only need to pay for the brokerage charges but also for a number of other factors. For instance, the charges for paperwork can be expensive if you do not choose the online option.

6. Payment of premiums and renewals

The story of getting an insurance policy for your car does not end with merely purchasing it. You also need to be careful enough to renew it from time to time. To do this, you will need to pay your premium in a timely manner.

If you are on the go, you may forget the day of renewing your premium. This is precisely where an online account can prove to be helpful to you. With such an account, you will get reminders on time. So, even if you forget about paying your premium, you will get to know about it at the nick of time. This is your best bet to avoid late penalties and arrears.

Plus, you will also get rid of the need to follow up with vehicle insurance agents. This means a break from frequent communication with them over the phone or via the internet. You can invest the time spent in the exchange of communication in some other productive purposes.

Final thoughts

At the end of the day, it is up to you to take the final call on whether you want to buy your car insurance policy online. While you may be tempted to choose the brick and the mortar option at the outset, the aforementioned benefits of online car policy will prompt you to think otherwise.

Tips to Claim Your Home Insurance Policy Safely

Most people dream of owning a home. After buying it, they start thinking about their future, keeping their home in the center of things. Those who own homes look for ways to buy a suitable house insurance policy to secure it from the actions of nature and men. It is understandable, though. This smart move assures a homeowner that they will be compensated for the damages that a building or its structure may suffer due to any untoward incident.

That said, they need to make the effort of filing the claim in order to claim the insured amount linked to their house insurance policy. If you are wondering how to do it, then read to know more about this process.

1. Reach out to the police before getting in touch with your insurer

In the event of vandalism or home invasion, it is necessary to file a complaint in the nearest police station. Thereafter, the next thing you need to do is get in touch with your insurance service provider. An important thing for you to remember for you in this regard to make sure that you do it on the same day. Delaying it can aggravate matters for you later on.

2. Shoot photos and keep them intact

Merely filing the claim with your insurance provider may not be par for the course. You need to prove the home invasion incident to maximize your chances of getting the insured sum of money. This is your best bet to drive your point home. One of the common mistakes which the majority of homeowners make is cleaning up the garbage. What you can do instead is take pictures. You can use them later on as credible pieces of evidence.

3. Avoid playing the waiting game while filing your claim

Time is a precious asset while coping with the challenge of claiming the insured sum corresponding to a home invasion incident. The more you delay things in connection with reporting the incident, the lesser will be your chances of getting the insured amount. So, file a claim report with your insurance provider at your earliest convenience.

4. Avoid exaggeration

Most people present incorrect details to surveyors when they visit home to assess the damages to its structure. It is important to corroborate each claim with credible pieces of evidence. You can put forward your case in a much convincing way by following this method. Photos of the incident can help you drive your point home without any exaggeration.

5. Follow up with your home insurance policy provider

Keep inquiring about the status of your claim to remain to monitor the latest developments linked to it. Your provider may request some relevant documents. As far as possible, try cooperating with them to facilitate the processing of your claim.

Final thoughts

So, there you go - follow the aforementioned steps to make sure you not only file your claim by following the right procedure but also ensure that you get the insurance amount by convincing your home insurance provider.

5 Fascinating Aspects of Home Insurance You Wish You Knew

What is the first thing that crosses your mind when you think of a home? Perhaps you think of a building with a confined space. To be more precise, you think of a floor, walls, doors, and windows. 

However, passionate homeowners define it in other ways. While some of them perceive it as the starting place of their dreams, hope, and love, others opine it is the place where every new day begins. Regardless of your definition of it, the fact remains that it is a valuable investment. And like other valuable assets, you may also want to protect it so it stays strong for a long time.

You may not have any control over natural calamities and their effects on your home. But, if you have your home insured from one of the leading home insurance companies, you can restore it to its previous form in the event of a fire, theft, vandalism, and other unforeseen incidents.

Are you still looking for the right reasons to buy your home insurance policy? Here’s a list of its considerable benefits that will inspire you to go for it.

1. You can buy home insurance even for a home which you do not own

Most people refrain from buying a home insurance policy under the impression that they can buy it only if they own a home. But the truth is that you do not need to own a home in order to buy a home insurance policy. You can buy it even if you do not own a home.

2. Home insurance policies offer cover against natural disasters

Home insurance not only protects your home from vandalism, burglary, and fire but also against natural calamities. These include earthquakes and floods. What’s more, the home insurance policy of some providers also covers the losses to property in the event of a terrorist attack.

3. Some home insurance providers also include veterinary coverage for pets

Some pet owners treat their pets as family members. But how many people know that veterinary costs are also covered under home insurance? Most people would discard even the thought of it thinking of both aspects like chalk and cheese. However, some providers do provide it. By having a word with the representatives of insurance providers, you can come to know more about it.

4. You can choose to buy your insurance policy online

You do not have to run from pillar to post to get your preferred home insurance policy from a provider. The process has become a lot easier these days - thanks to the advent of the internet. You can do it form the comfort of your home with a laptop, computer, smartphone or tablet. 

From proposal forms to quotes, you can get everything online. To make the process of buying an insurance policy online, most providers allow buyers to buy an insurance policy from the comfort of the home using the internet.

5. A home insurance policy also covers damage to electronic appliances

If you are fond of high-end electronic appliances, you would be delighted to know that buying a home insurance policy also offers coverage to appliances that run with the help of electricity. Generally, home insurance policies cover damage to household and portable electronic appliances such as audio-visual systems and laptops.

Final thoughts

Protection is the other name of insurance. If you have bought a home by spending your hard-earned money, you may want to protect it from unforeseen incidents at any cost. Plus, there are some extra features that also come along with the purchase of a home insurance policy. If you haven’t bought a home insurance policy yet, trying buying one for the aforementioned benefits.