Health Basica

Health insurance is an inevitable need, and so you are likely to find a plethora of health insurance schemes in India. However, the only problem is, health insurance is merely a tax saving option since the Indian Income Tax laws allow a deduction of Rs 25, 000 on health insurance premiums. Even in that, people take insurance schemes with lowest premiums with low financial coverage. Though this won’t be a problem as long as the person doesn’t fall severely sick. If they do, the chances are they will exhaust their coverage and would end up paying a hefty sum from their own pocket. Now, no matter what we say or how many reasons we put forward to persuade people into buying a health insurance with higher coverage as a precaution, things are very unlikely to change. Thus, we would recommend a top up health insurance as a measure. What is a top-up health insurance? A top up health insurance plan goes above and beyond the traditional cover offered by health insurance policies. It has two pri...

Every year thousands of people from various parts in the country visit the holy sites in India. Well-known gatherings such as Kedarnath and Kumbh Mela draw the attention of more than 10 Lakh visitors every year not only from the country but also from around the world. However, in spite of the huge enthusiasm related to a pilgrimage journey, the tour is often accompanied by numerous mental and physical strains. Pilgrims often face accidents and stagnations, in addition to a loss of property during the huge crowd gatherings. This is when pilgrimage insurance may come into assistance and minimise the risk of any unwanted incident. Things to consider when buying pilgrimage insurance These Pilgrimage Insurance policies are customized to deal with urgent financial requirement during a pilgrimage. The Travel Insurance offers protection against loss of valuables or theft emergency assistance during any overseas or domestic journey, and several other features and benefits to ease the nervousne...

Purchase protection insurance might be a new kid in the block but it does have a series of familiar advantages. Read to know more. Shopping today has changed majorly from roaming around in streets to swiping on the touchscreen. In this rapidly evolving and developing era things are modernizing. Purchase Protection Insurance is a modern approach towards providing safety to the things we buy. Here is look at it: The list of advantages It doubles the protection and safety for the purchase. There are times when a shopkeeper charges a commodity at a higher price rate than its normal rate. Purchase Price Protection assures that an individual pays the correct amount for goods. Pocket Insurance comes with an added benefit of extra warranty period apart from the warranty that's the product is providing. If the seller is not accepting the product for return or replacement you can claim the policy protection in such a situation The process to claim it If the mode of shopping from an offline ...

Medical health insurance for senior citizens is a must because with time and age, health complications are bound to increase and the expenses have to be constantly met. Every visit to the hospital would add up to those expenses and medical insurance for senior citizens will keep them covered. One has to keep in mind that hospital visits are bound to increase with age, and for those who have health issues like diabetes, cholesterol, or high blood pressure, these visits are going to be a lot more frequent.  The number of other ailments and diseases would also go up. Add to that the fact, that at times, one often has to take a second or even a third opinion when a particularly alarming health issue comes up. Tests and medications are also bound to go up and the expenses along with them. By getting a health insurance that covers all these factors, one would not have to pay a single penny from one’s own pocket, with the insurance company taking care of everything. The premiums might se...

Medical treatments these days are a matter of the huge amount of money. And if you need quality treatment facility from the super-specialty hospitals and clinics you need a medical insurance plan for you and your family. If you are planning for the medical insurance plan with hospital cash cover , then be sure to consult with the best insurance plan provider.  Let us discuss in details. Financial companies such as reputed NBFC Bajaj Finserv and other insurance companies have their own health insurance policies that range from smaller amounts of bigger amounts. All these medical policies fall under the pocket insurance policy scheme. It gives clients the facility to get benefits with minimum investments. The procedure is quick and does not require lengthy documentation. You can get a higher amount of money with such hospital cash insurance to continue medical treatments even for critical patients. Just make sure you read the policy details clearly before you invest. Many insurance c...

Creating a new life and bringing them safely in this living world is a big responsibility which only women can be entrusted with. So, the least men should do is make sure the process is convenient and comfortable - one without any pregnancy complications or a cash crunch. That said, if you fear you might come across a cash crunch during the delivery, you should take a maternity insurance in advance .  Maternity health insurance covers all pregnancy related expenses be it a normal delivery or caesarean along with all pre-natal and postnatal expenses, post-delivery care, and vaccinations expenses. Though maternity benefits are also offered as an add-on with most health insurance schemes, the coverage offered are not sufficient. Thus, taking a pregnancy complications insurance helps you prevent the more-than-usual expenses incurred during pregnancy. Having said that, don’t make a decision in haste to fulfill the responsibility; take some time and choose a suitable maternity insurance...

Credit and Debit cards are two of the biggest revolutions in the field of digital payment. While they make it possible to purchase almost anything with the swipe of a card they also involve the risk of frauds and theft like no other mode of payment. However, the concept of Credit and Debit Card Protection Plan makes it possible to get protection from such problems easily and instantly. What is Credit and Debit Card Protection Plan Credit and Debit Card Protection Plan is a concept under which you can get your debit and credit cards insured in case of any loss, damage or fraud. It helps you block all your cards with one single call so that you need not press the panic button in case your card gets lost or stolen. Benefits of Credit and Debit Card Protection Plan Block all your cards with one single call. 24 hours loss reporting service with worldwide coverage- so that you can report the loss /theft anytime and from anywhere. In case you need some emergency cash you can also call the he...