Best Health, Term, Hospital insurance agent / consultant in wakad – MustInsurance
Best Health, Term, Hospital insurance agent / consultant in wakad - MustInsurance
Best Health, Term, Hospital insurance agent / consultant in wakad - MustInsurance
Types of health insurance plans
Types of health insurance plans The health insurance universe is large and dynamic. Apart from the all-too-important health plan which pays for your medical expenses, there are other variants of a health insurance plan as well. Each variant is designed keeping a particular need in mind. Since your health insurance needs are varied, each type of a health plan aims to fulfil the varied needs. Do you know the types of health plans available in the market and their suitability? Let’s find out – · Individual health insurance plans These are health insurance plans which cover the medical costs incurred on an individual life. These plans, thus, insure only one individual for a single sum insured. Suitability – Individual health plans are suitable if you do not have any dependents on you. Unmarried, young individuals can opt for this plan. · Family floater health insurance Family floater health plans are those which cover the entire family in one plan. Family would mean the policyholder, spouse, dependent children and dependent parents. Many family floater plans also include dependent parents-in-law, siblings and other relations. A single policy is issued with one sum insured covering all the members. The premium depends on the […]
Medical Claim Settlement Ratio of Top Companies for 2019 in India
Medical Claim Settlement Ratio of Top Companies for 2019 in India Health insurance policies have become the most essential part of everyone’s financial portfolios. Medical costs are rising unchecked and without a health insurance policy to pay for the bills, a medical contingency seems like a curse. When you have a health insurance policy you are assured of availing quality healthcare facilities as the policy promises to pay for the hospital bills which would incur. It, therefore, spares you the financial horror of a medical contingency and safeguards your savings. There are various health insurance companies in the market which offer some of the best policies with comprehensive coverage benefits. However, it is important to judge the claim settlement history of the company. Though health insurance policies promise settlement of your medical bills, if the company does not pay the claim, the policy would not fulfil its promise. That is why the claim settlement record of the company is required to be checked. The Insurance Regulatory and Development Authority of India (IRDAI) publishes the Incurred Claims Ratio of health insurance companies after the end of every financial year. This report shows the claims paid by the company against its premium […]
Covering your family under health plans is a must. Here’s why
Covering your family under health plans is a must. Here’s why Medical expenses are skyrocketing as medical inflation is on the rise. New treatments are constantly being developed with latest technology and these treatments are expensive. In fact, even a mere hospitalisation can amount to tens of thousands of rupees even if you have to undergo a minor surgery. Given the increasing medical costs, do you think you can afford a medical contingency yourself? According to a survey conducted by the National Sample Survey Office in 2013-14, 36 million Indian households faced medical expenses which exceeded their annual per capita consumption. (Source: https://www.livemint.com/Home-Page/gTErhKxOcHv2BIa89RzonM/ThestaggeringcostsofIndias-healthcare-system.html ). The numbers say that 36 million households faced severe medical contingencies which put a strain on their annual household budget. Given the increasing medical costs, the numbers are not surprising. What is surprising though is that these families did not have health insurance to protect against the medical expenses. Health insurance policies prove to be a blessing when faced with a medical contingency which threatens your finances. The plan covers medical expenses and gives financial relief to you. Though a health insurance plan is important, covering your entire family under a family floater health insurance plan is as important […]
Difference between Mediclaim and Health Insurance
Difference between Mediclaim and Health Insurance Health is an important aspect of life. Staying in good health is all the more important. Along with practicing healthy lifestyle it’s also important to have financial protection against health contingencies. Considering the rise in lifestyle diseases and skyrocketing cost of healthcare, it has become imperative to buy health insurance. When it comes to purchasing health insurance policy, people often get confused between health insurance policies and mediclaim policy. People use these two words interchangeably thinking mediclaim is same as that of health insurance, which is not the case. Though both the products come with similar objective, there is quite a lot of differences in their offerings. Knowing each of the product in details with understanding similarities and differences can help you secure your health better. What is Mediclaim Policy? Mediclaim meaning availing protection against hospitalisation expenses relating to any specific illness or an accident. Basically, the policy covers expenses incurred if the insured is admitted to seek in-patient care at the hospital for more than 24 hours. Mediclaim is a cost-effective way of availing protection against medical emergencies. Top Features of Mediclaim Policy: Following are the salient features of mediclaim policies: Cashless facility: […]
All You Need to Know About CM’s Health Insurance Scheme in Tamil Nadu
All You Need to Know About CM’s Health Insurance Scheme in Tamil Nadu The Government of India takes various steps and initiatives to promote social welfare among the Indian population. Among these initiatives are various insurance schemes which provide insurance coverage to the masses. These schemes are either provided free of cost or at nominal premium rates. While the Aam Admi Bima Yojana (AABY) is a health insurance scheme for the national population, there are several State-sponsored health insurance schemes too. One such scheme is the Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS) which was launched by the State Government of Tamil Nadu. Let’s understand what this scheme is all about – What is CM’s health insurance scheme? The Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS) is a health insurance scheme designed for the underprivileged residents of Tamil Nadu. The scheme was launched initially in the year 2009 when DMK was in power. The scheme was then widened for more comprehensive coverage in the year 2012 when the Government was replaced by the All India Anna Dravida Munnetra Kazhagam, i.e. AIADMK. The CMCHIS is an indemnity oriented health insurance plan which covers the emergency medical expenses incurred by the insured. […]
Top 10 Health Insurance Companies in India
Top 10 Health Insurance Companies in India Today’s age is the age of technology where medical treatments have become advanced and cutting edge. There are treatments for most chronic illnesses too and so life expectancy has increased. However, though medicine has advanced, it has also become expensive. Affording quality healthcare has become financially distressing in modern times. Moreover, as life expectancy has increased, so has the incidence of illnesses. You, therefore, need a health insurance plan to cover the rising costs of medicine and protect yourself financially in a medical emergency. In India, there are more than two dozen health insurance companies which offer a range of health insurance plans for your needs. There are different types of health insurance plans offered by these health insurance companies. Let’s have a look at the different types of health insurance plans which you can find – Types of health insurance plans in India: Indemnity Health Insurance Plans: This type of plans pay only for the expenses incurred during hospitalization. Individual health insurance policies– Individual health insurance plans cover a single person. The plan has a single coverage amount or sum insured which can be utilised by the insured individual for his medical costs. […]
Everything you need to know about Aam Aadmi Bima Yojna (AABY)
Everything you need to know about Aam Aadmi Bima Yojna (AABY) What is Aam Aadmi Bima Yojna ? The Government of India has introduced the Aam Aadmi Bima Yojna which is a social security scheme focusing on the people living in rural areas of India. The Aam Aadmi Bima Yojna is a group insurance scheme which was introduced on 2nd October 2007. Further, the scheme started operating successfully in 2013. The operational activities related to the scheme are carried out by the Ministry of Finance of India under the supervision of the Government of India. The Ministry of Finance of India had proposed for the merging of two social security schemes i.e. ‘Aam Aadmi Bima Yojna’ and the ‘Janashree Bima Yojna’. After the merging, this scheme is known as the ‘Aam Aadmi Bima Yojna’ which offers insurance coverage to the family head of a rural family or an earning member in the family. By this scheme, the beneficiaries of the scheme qualify to apply for this scheme without having to pay any money for this. The premium for this insurance scheme is Rs. 200 and this amount is shared between the State Government and the Central Government. The major objectives […]
Cancer Insurance – Types, Benefits, Buy and compare cancer plans online
Cancer Insurance – Types, Benefits, Buy and compare cancer plans online What is Cancer Insurance? Cancer is a life-threatening and dreadful disease affecting approximately 2.5 million people living in India. This disease is dangerous enough to affect the peace and happiness of one’s life. However, many effective medical technologies, treatments related to cancer have started giving a ray of hope in this case and this makes cancer insurance important. Cancer Insurance is a special type of fixed benefit insurance plan which helps in the management of the financial crisis associated with the treatment of cancer. Cancer insurance policies are designed in such a way that they help in offering comprehensive coverage against cancer. This insurance plan will help the policyholder with financial support for treatment-related issues in case of a financial emergency. There are two basic types of health insurance plans in India- Indemnity health plans and fixed benefit health insurance plans. Indemnity health plans pay for the expenses incurred by the insured on hospitalization and the fixed benefit health plans pay on the occurrence of ailment. Since cancer insurance plan is a Fixed Benefit health insurance plan, it can be taken alongside an indemnity health insurance plan for hospitalization […]
Rashtriya Swasthya Bima Yojana (RSBY) – Overview
Rashtriya Swasthya Bima Yojana (RSBY) – Overview Government of India has been introducing social security schemes for the well-being of citizens, specifically for the uninsured population of the country. With the medical cost rising, the Government has introduced a scheme to address the lack of healthcare access to the people below poverty line (BPL). In 2008, the Ministry of Labour and Employment came up with a health insurance programme called Rashtriya Swasthya Bima Yojana for the below poverty line population of India. The scheme is extended for the workers in an unorganised sector. In this article, let’s learn about Rashtriya Swasthya Bima Yojana in detail. The objective of Rashtriya Swasthya Bima Yojana The primary objective of RSBY scheme (Rashtriya Swasthya Bima Yojana) is to provide financial protection to Indian poor families from healthcare expenses. Eligibility criteria for Rashtriya Swasthya Bima Yojana Individuals working in unorganised sector belonging to BPL (below the poverty line) category and their families are eligible for benefits under the RSBY scheme. Five members of the family irrespective of their age are covered. The eligibility of the workers of the unorganised sector and his family will be verified by the implementing officer. The beneficiaries will be issued […]
World Cancer day – Taking the Cancer fight head-on
World Cancer day – Taking the Cancer fight head-on Cancer is one of the leading causes of death in India. According to a report by National Institute for Cancer Prevention and Research (NICPR), 2.25 million people are currently living with the disease and risk of developing cancer before the age of 75 is 9.81% for males and 9.42% for females. Yet, in spite of these alarming statistics, doctors and researchers in India and across the world opine that incidence of cancer can drop gradually provided a holistic approach is taken towards this disease that includes prevention, early detection, and treatment. What are the major reasons for cancer? Let us first find out how cancer is caused. The dreaded disease refers to the condition when cells of the body keep dividing abnormally due to certain changes caused to the genes. These genetic changes can be inherited or caused by damage to DNA through external factors like tobacco, alcohol, radiation and internal ones like age, obesity, hormones. Can cancer be prevented? Yes. According to the National Cancer Institute, USA, there are 100 types of cancers and most of them can be prevented if we pay attention to the following: Say NO to tobacco in any […]
All you need to know about Family Floater Health Insurance Plan
All you need to know about Family Floater Health Insurance Plan Health insurance is an important necessity. With the rising cost of healthcare services and change in lifestyle, securing health has become the need of the hour. With the increasing awareness, there is more and more types of health insurance plans introduced in the market to cater to the unique healthcare needs of people. Family floater health insurance is one such health insurance plan that provides comprehensive health protection to the entire family in a cost-effective way. Let’s learn about family floater health insurance plan in detail. What is a family floater health plan? Family floater health insurance is a type of health insurance policy that secures all the members of a family with a single health insurance cover. It’s an umbrella cover that brings the entire family under one single policy with one sum insured. The coverage provided under the plan can be utilised by all the insured members of the family under the policy for the policy term. The family floater health plans come with numerous benefits to meet the healthcare needs of any age in the family. Types of family health plans in India: Health insurance coverage […]
Don’t hide your pre-existing illnesses when buying health insurance
Don’t hide your pre-existing illnesses when buying health insurance One of the most common mistakes which most of you commit when buying a health insurance plan is not disclosing or lying about your medical condition when filling up the proposal form. You believe that disclosing your existing medical complications would either result in the rejection of the policy or, if the policy is accepted, the premiums would be increased. What you don’t realize is the fact that hiding about your pre-existing conditions would put your claim in jeopardy if the claim occurs due to such conditions. As such, informing the insurance company about your pre-existing illnesses is a wise thing to do. Health insurance companies allow coverage for pre-existing illnesses with some terms and conditions. Let’s understand what these terms and conditions are – Definition of pre-existing illnesses Pre-existing illnesses or conditions are those medical ailments which you already suffer from at the time of buying a fresh health insurance policy. How pre-existing illnesses are covered in health insurance plans? Health insurance plans cover pre-existing illnesses after a specified duration which is called the waiting period. Every policy has a waiting period of 1 year to 4 years for pre-existing conditions. […]
How to choose the best mediclaim policy for family?
How to choose the best mediclaim policy for family? Health insurance plans provide coverage for medical expenses which you incur in case of medical expenses. They, therefore, help you cover the high medical expenses that you incur in medical emergencies. Since medical costs have become expensive, you need a health insurance plan to cover the heavy expenses that you incur. There are different types of health insurance policies to cover different types of health contingencies. A family floater health insurance plan is one such plan which is available for covering your whole family. Let’s understand the concept of family floater health plans and their benefits – What is mediclaim policy for family? Mediclaim policy for family, also called family floater health insurance is a health insurance plan which covers the whole family under one umbrella policy. The policy would cover you, your spouse, dependent children, as well as dependent parents and some plans even cover dependent parents-in-law. If any member of the policy falls sick, he/she can make a claim up to the sum insured. The policy, therefore, provides an umbrella coverage for your whole family. Most important #4 Features of mediclaim policy for family Here are some of the unique […]
ULIP vs ELSS: Which one is for you?
ULIP vs ELSS: Which one is for you? When it comes to investing your hard-earned money most of you look for avenues which promise the best returns. This is where the capital market holds attraction as it allows you to avail good returns which are inflation-adjusted to fulfil your financial goals. Besides the attraction of good returns, capital market instruments also gives you flexibility in managing your investments. Given these benefits, many of you invest in different types of investment avenues which are market-linked. Capital Market is a portion of the financial system that usually deals with the equity market, stocks, bonds as well as other long-term investments. Two of the most popular market-linked investment avenues are Unit Linked Insurance Plans (ULIPs) and Equity Linked Savings Schemes (ELSS). While ULIPs are offered by life insurance companies, ELSS schemes are mutual fund schemes which are offered by mutual fund houses. Both these avenues work in a similar manner wherein the money that you invest is invested in market-linked funds which give you market-linked returns. But does this similarity make ULIPs and ELSS same? No, it does not. ULIPs and ELSS are completely different from one another even though they are both market-linked […]
An overview of group health insurance plans in India
An overview of group health insurance plans in India Health insurance has become a necessity in today’s age and time. Illnesses are on the rise as lifestyle diseases and infections are increasing. Along with the rising incidence of illnesses, medical costs are also rising. In the face of these rising costs, affording quality healthcare has become difficult. Many individuals understand this fact and so a health insurance plan is quite popular. In fact, groups try and avail a group health insurance policy for their members so that the members can enjoy health insurance coverage at affordable rates. What is group health insurance? Group health insurance plans are those which provide coverage to a group of individuals who are a part of a recognised group. A single policy is issued in the name of the group and the policy is called the Master Policy. All the members of the group are then covered under the policy. Features of group health insurance plans: Group insurance scheme are categorised with the following unique features – The policy is available to those groups which are already in existence for a purpose. If a group is created only for the purpose of buying a group […]
Smart health technology lowers health insurance premiums
Smart health technology lowers health insurance premiums This is the age of smart apps and smart gadgets which have made our lives more advanced and simplified. Technology and the internet have brought about a major change in our lives as everything is now available quite literally on your fingertips. Even in the case of health insurance, technology has digitalised the whole process of buying and selling health insurance policies. Insurance companies are now offering their plans online. They have even developed mobile apps which can be downloaded on your Smartphones and used to buy, track and monitor health insurance policies. Besides technological advancements, the importance of healthy living has increased in recent times as people are increasingly making efforts to keep themselves healthy. Organic living, trendy exercise activities like Pilates and Zumba, vegan diets and other trends have taken a centre stage. Promoting these are smart wearables like fitness bands and smartwatches, health-related mobile apps and blogs and modern day living is all about healthy living. With healthy living being the modern day mantra and technology providing everything at your disposal, the health insurance market has seen a paradigm shift. Insurance companies have understood the concern of millennials to lead […]
How Medical Travel Insurance works in Overseas Travel?
How Medical Travel Insurance works in Overseas Travel? Travelling overseas requires extensive planning irrespective of the travel purpose. Travel medical insurance is an essential part of travelling. Medical emergencies are unexpected and inevitable. Hence, having a financial safety net in the form of travel medical insurance is most crucial to safeguard your journey. What is travel medical insurance? Travel medical insurance provides coverage against healthcare expenses that may arise due to sudden illness or health issues or meeting with an accident in a foreign land during the travel. The cost of medical services is extremely expensive across the globe. Hence, it’s wise for every traveller flying abroad to have adequate insurance coverage to extend financial support during any medical emergencies. How is travel medical insurance different from any other types of insurance? Travel medical insurance holds a special place in every frequent traveller’s mind. There is not much difference between travel medical insurance plans and travel insurance plans. Having provisions for medical emergencies is a priority. Travel medical insurance plans are specifically crafted to address healthcare needs of travellers. Let’s learn how different it is from other travel insurance plans. The primary difference is, travel medical insurance plan focuses more […]
Know your health plan’s exclusion
Know your health plan’s exclusion Health insurance plans provide a comprehensive scope of coverage. You not only get coverage for hospitalisation related expenses but also for expenses which are incurred before and after hospitalisation as well. Moreover, day care treatments, domiciliary treatments, organ donor expenses, AYUSH treatments, etc. are also covered in most health plans. However, though the coverage under health plans is quite comprehensive, it is not all-inclusive. There are some medical expenses and treatments which are not covered by most health insurance plans. These are called exclusions and the list of exclusions usually remains the same across most health insurance policies. Many of you don’t know about the common health insurance exclusions but you should. You should read the policy document of your health insurance policy to know what is covered and, more importantly, what is not covered under the plan. Knowing the exclusions would help you understand the exact coverage of your health insurance plan. Moreover, you can avoid making a claim for excluded expenses and suffer claim rejections. So, here are some of the most common health insurance exclusions for you to know – Pre-existing conditions If you suffer from any medical complications at the time […]
Does your Health Insurance in India cover Coronavirus?
Does your Health Insurance in India cover Coronavirus? The world is reeling under the widespread incidence of Coronavirus which, though has its origin in China, has spread world over. The disease is on the brink of being labelled as a pandemic as it has spread to many countries across the globe. What is causing panic among individuals is the fatal nature of the virus. More than 96,000 cases of Coronavirus have been reported as of 5th March 2020 and the recorded number of deaths so far has been more than 3300 (Source: Worldometers.info). What is coronavirus? Coronavirus is a type of virus which causes flu like illness in humans. It is named as such because of its shape which is round with crown-like protrusions around the circle. The symptoms range from cough, cold, fever and other symptoms which are like flu and so, diagnosis becomes a challenge. What started out as a viral infection in China has now spread to Europe, Middle-East Asia, South America and even India. Though the cases in India are low, given the contagious nature of the virus, the spread can be quick and the numbers might increase manifold. You should, therefore, take extreme precautionary measures […]
World No Tobacco Day 2019
World No Tobacco Day 2019 Come 31st May and you would see different posters and ad campaigns increasing the awareness of tobacco-related health hazards. 31st May is celebrated every year as the World No Tobacco Day when the ill-effects of tobacco consumption and maintaining lung health are stressed upon. Though the World No Tobacco Day is supposed to increase awareness against tobacco use, many individuals ignore the message. Do you consider the World No Tobacco Day seriously? According to a report published by the World Health Organisation (WHO), tobacco kills more than 1 million people every day. Approximately 9.5% of the total deaths recorded in India were due to tobacco usage. The most common ailment of tobacco use is cardio-vascular diseases (CVDs) and the number of deaths due to cardio-vascular diseases in 2018 was is quite high in individuals of all ages. Have a look – Despite these numbers, 266.8 million people are either active tobacco users or are exposed to second-hand smoke and face an increased chance of cardio-vascular diseases. As per a survey conducted in 2016-17 by GATS ( Global Adult Tobacco Survey), the number of tobacco users in India went as high as 28.6% of the adult population. As this year’s, World […]
Important things to know about cancer insurance plans in India
Important things to know about cancer insurance plans in India Cancer in India has become a dreaded illness and a very common occurrence. Though new treatments are being invented to fight cancer, the disease is becoming more rampant. In fact, as per the estimates suggested by the Indian Council of Medical Research (ICMR), there would be more than 17 lakhs cancer cases in India and more than 8.8 lakh deaths by the year 2020 (Source: https://www.dailypioneer.com/2018/india/over-17-lakh-new-cancer-cases-in-india-by-2020-icmr.html ). Cancer not only wreaks physiological havocs, it puts a strain on your finances too. Cancer treatments are quite expensive which threaten to wipe out your savings in a single strike. That is why cancer insurance plans are a must. Cancer insurance plans cover cancer and pay a lump sum benefit if you are diagnosed with the illness. This benefit can be used for taking treatments or for fulfilling other financial obligations that you have. Premiums are low and so these plans are a boon in the face of cancer. However, before you think of buying cancer insurance, there are some important facts about the plan which you should know so that you can buy the best cover. Here’s what these facts are – Nature of […]
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How can Wakad Online Directory listings boost traffic to my website?
Wakad Directory is actively indexed website (ie; appearing in google searches) and because of this, your business which is listed on Wakad Directory will appear in google search results when someone searches for terms relevant to your business.
As a business directory, our website is heavily indexed by google.
Does listing at Local Directory cost effective versus listing at a national Directory?
National level Directory listing usually is quite costly for small to medium-sized businesses as the annual billing can start anywhere from Rs.10000 and above. The drawback of a national level directory is that the searcher many times cannot find very location specific search results as the results get influenced by businesses listed across multiple areas.
The Biggest Cost to Value benefit of listing your business on Wakad.in is that at just Rs.3000 for 1st year and subsequent renewals at Rs.1000 per year, you get the following 12 Rich Features:
- 4 web pages of your Business, Products & Services description. This means, you don’t even need a dedicated website where you will spend large money to make it, then to get it into a search engine, domain renewal annual fees, hosting fees. Instead just list on Local Directory engines like ours where you get the same value. We also provide online store capability or payment collection facility for just 5% deduction.
- Top Banner picture of your Business on your listing page
- Up to 20 pics of your products/services
- Direction Guidance Button for customers to reach you Biz location
- Contact Form for businesses to reach you via email
- URLs / Links of your Website, facebook and other social media channels.
- Up to 2 Discount Coupon per year (you share us and we load it)
- Up to 2 Events per year (you share us and we load it)
- Your Biz Listing will appear in Google search engine page searches.
- Your Premium Business Listing details will be posted on our Local facebook pages (eg; facebook.com/mywakad , www.facebook.com/pimplesaudagar.in )
- FREE Twitter integration. You keep your LISTING ACTIVE WITH YOUR LIVE TWEETS.
- Whatsapp share button (easy for you as a business to share your business offerings to prospects over WhatsApp)
Can small businesses profit from using online local directories?
Profit is an equation of Cost versus Revenue. At just Rs.3000 per year, you get the opportunity of being on a local search engine, appear in Google search results giving you FREE ORGANIC traffic, being part of Local Directory Android App (coming soon), a listing which is managed by Directory team and tuned to your best interest of capturing Google or Bing search traffic is certainly a LARGE VALUE FOR MONEY.
Marketing as we all know is a multi-pronged approach. Businesses rely on promoting local businesses via Print leaflets, SMS marketing, Email Marketing, Google Adwords, Facebook marketing and various other social channels. Print is no more seen as a Cost-Effective means of advertising as the Digital mediums of marketing like Paid Listing or Banner Ads brings measurable way to spend your marketing budget. Also, the BIGGEST advantage of Paid Listing is also achieving customer interaction and increasing footfalls in a very cost effective way.
The intent is that it will bring customers to actual brick-and-mortar businesses that are located near them, meaning that small businesses have the most to profit from being listed. And if your business isn’t listed, there’s a good chance that your competitor’s is, and that customers will go to them instead of you.
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