Types of Insurance Articles
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Are travel insurance directly billed or is it reimbursement basis, is there a hospital network
All travel insurance companies do offer direct/cashless settlement to hospitals for inpatient treatment for Accident of Sickness expenses incurred by the insured traveler.Common factors for rejection of travel insurance claims
One of the primary reasons why many travellers choose not to buy a travel insurance policy is they believe that when there is a claim to be settled, most Insurance companies along with their Assistance TPA’s find reason not to pay the claim. This is not entirely true since there are genuine reasons why claims are not admitted by the insurer.
How does travel insurance work overseas?
Travel Insurance is a critical part of any Overseas Trip eventhough today almost 75-80% of International Travellers do not opt for it citing various reasons. Most International travellers will ensure that they have their air tickets, hotel reservations, land package arrangements, foreign exchange organised, but when it comes to Travel Insurance, they prefer to not purchase it unless mandatorily required by the destination country.Popular International travel insurance
It is not fair to state that any insurance plan is better or worse than another plan. What is important to note that each insurance plan comes with a different set of benefits at varying sum insureds and it is important for the insured to compare the options available before making a decision.
Benefits of Indian overseas travel insurance
Travel Insurance currently is one of the most underestimated insurance coverages available in the market. Most travellers believe that Travel insurance not being a mandatory product (like Motor Insurance) need not be purchased to protect their trip.Types of Indian travel insurance
Travel Insurance is one of the key insurance covers available to International and Domestic travellers on all modes of transport. While today the insurance penetration (to air tickets) is still @20% which is significantly lower than more developed markets, this is a critical insurance coverage that is most required to the traveller.
Importance of buying Indian overseas travel insurance
Travel insurance in India is currently offered by many competent insurance companies in India like Tata AIG, Bajaj Allianz, Reliance General, Care Health, HDFC Ergo, Apollo Munich, Royal Sundaram, Future Generali etc.Travel Health Risks for Senior Citizens and importance of India travel insurance
Travel has become a very integral part of our daily lives, be it Domestic or International, be it for Business or Leisure/Holidays.
Visa travel Insurance for Indians travelling overseas
While most countries across the world do not have a mandatory “insurance for visa” process, there are a few of them, wherein one needs an insurance cover in place while applying for the visa.International travel insurance cost
International Travel Insurance today refers to the insurance policies that international travellers from India buy to protect them in case of any medical and non medical emergencies that may arise during their trip.Diabetes/heart diseases and Pre Existing travel Medical Insurance
A pre existing condition means any condition, ailment or injury or related condition(s) for which the insured had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to commencement of the first Policy issued by the Insurer This means that if the insured is traveling abroad with a pre-existing condition and avails of any treatment abroad, the insurance company will not be liable for paying the claim.
Annual Travel Insurance
A single trip policy will provide coverage for a specific holiday or a single trip. However an annual multi-trip policy (also known as AMT) is a travel insurance policy valid for 12 months.Best Indian Domestic Travel Insurance
The purpose of any Travel Insurance policy is to ensure peace of mind to the traveller when they leave home for a holiday or on business. It is also required to cover any unforeseen expense that may come up due to medical or non-medical reasons during the trip.
Importance of International travel insurance
Travel insurance is perhaps the best idea for an International or Domestic Traveller. While current data suggests that travel insurance is the last thing on the travellers mind when they plan a trip to foreign shores, it is imperative that the discerning traveller gives way more importance to travel insurance than what is it currently being given.Most popular Indian travel insurance plans
The traveller must consider the following while deciding on the insurance plan and company – Duration of Travel, Destination of Travel, Age of the Traveller, Coverage required. EIndia actually does this comparison work for the traveller.
7 tips to procure the best travel insurance
Travel insurance is an important facet of every traveler’s itinerary which however even today is not given the importance it truly deserves.Best Indian travel insurance for pre-existing conditions
A pre existing condition is defined as any condition, ailment or injury or related condition(s) for which the insured had signs or symptoms, which was diagnosed and for which the insured received medical advice/ treatment, within 48 months prior to commencement of the first Policy issued by the Insurer.
Advantages over International insurance
Currently many Indians are opting to buy their Overseas Travel/Medical Insurance from foreign insurers assuming that the Indian Insurance plans are not comprehensive or do not have certain coverages.
Indian travel Insurance
The Indian Travel insurance scenario eventhough it has been as long as international travel has been around is still in the very nascent stages of its growth.
7 Myths of Travel Insurance
Travel Insurance: A Must for Your Vacation…7 Myths Decoded…Schengen visa fees in India
Planning a European getaway this June? Brace yourself for higher Schengen visa costs.
Tips to Find The Best Indian Tourism Insurance
Travelling is exciting and rejuvenating but don’t let any kind of unfortunate and unexpected incident spoil your trip. Travelling abroad is always an exciting experience, but it comes with its own risks. While one can trust in planning and their ability to handle emergencies, unforeseen situations can arise for both medical and non medical reasons…and foreign countries are very expensive when it comes to most things, especially medical emergencies.Comparison of overseas Healthcare cost and popular tourist destinations
Compare the healthcare and hospitalization costs in foreign nations and other popular Indian tourist destinations across the globe. Healthcare costs are extremely high in most foreign countries and it is important to buy good overseas travel health while traveling outside India.
India visitor travel insurance best features
It is not fair to state that any insurance plan is better or worse than another plan. What is important to note that each insurance plan comes with a different set of benefits at varying sum insureds and it is important for the insured to compare the options available before making a decision. There are two aspects to travel insurance. One is the set of benefits/coverages under the plan. Hence the insured must consider the following while deciding on the insurance plan and company – Duration of Travel, Destination of Travel, Age of the Traveller, Coverage required. A younger traveller can opt for a lesser coverage while an older traveller should take a more comprehensive cover with higher benefits . Second and more importantly the insured should consider the Assistance and Claims support available in the foreign location.Schengen visa travel insurance cost for Indians
Traveling across Europe is by and large covered by the introduction of the Schengen visa. If you are a traveler transiting through or visiting the Schengen countries, you have to obtain your Schengen visa from the Consulate of the country of your main destination.
Best older person India travel insurance
Many Indian parents/senior citizens are now becoming more travel savvy and are willing to spend their savings on travel experiences across different countries in the world rather than having their money accumulate interest in the bank.India overseas travel mediclaim insurance policy
Oversea Travel Insurance is also know as Overseas Travel Health Insurance or Overseas Mediclaim Insurance and refers to the travel insurance policy that travelers buy when they travel overseas to protect themselves from any medical or non medical claim situation that may arise while they are abroad.
Best Medical Insurance for traveling abroad
India has seen a remarkable growth of International tourists to around 25 million in 2018 and growing at around 10% YOY. But while the numbers of travellers have been increasing, unfortunately the % of travellers option for medical insurance for travelling abroad has stayed around 20% for many years now and this penetration is a result of Schengen visas mandatorily requiring an insurance cover.Compare Travel Insurance
In today’s world, the customer is really the king…In this information age, the customer really has all possible information at his/her fingertips and can choose what and when to buy from the comfort of their homes.
Visa free countries for Indians
Visa free countries for Indians - Check, list of visa free countries where Indian passport holders can travel without visa.Comparison of Travel Insurance
Travel Insurance can be categorized as ideal travel insurance if they offer a comprehensive coverage to the insured traveller every time they travel abroad at a competitive premium while offering prompt and efficient claims servicing.
Evolution of the Indian Insurance Industry
The concept of pooling resources is as old as the hills for Indians.
Family Worldwide Travel Insurance
A Family Travel Insurance plan is as the name suggests, is a travel insurance plan for the entire family when they travel within India or abroad.Buy India Travel insurance
Travel as a product category, lends itself to online commerce and most domestic and international travellers are tech savvy enough to complete their travel related purchases online, and so can be the case with Travel insurance as well where customers would like to compare travel insurance quotes online and then buy the appropriate travel insurance online.Insurance Regulatory and Development Authority of India(IRDAI)
The Insurance Regulatory and Development Authority of India(IRDAI) is a national agency run by the Government of India. IRDAI is based in Hyderabad and was formed by an act of Indian Parliament called as IRDAI Act of 1999.
How International travel insurance gets rejected
One of the primary reasons why many travellers choose not to buy a travel insurance policy is they believe that when there is a claim to be settled, most Insurance companies along with their Assistance TPA’s find reason not to pay the claim.International travel Insurance for Indians with diabetes travelling overseas
A pre existing condition means any condition, ailment or injury or related condition(s) for which the insured had signs or symptoms, and / or were diagnosed, and / or received medical advice/ treatment, within 48 months prior to commencement of the first Policy issued by the Insurer.
Short travel insurance for IT professionals travelling overseas
India Travel insurance for overseas travel is today catching up as a necessity for many travellers although a large majority of them still choose to travel abroad and domestically without international travel insurance.Best Travel insurance
To be honest, there is nothing that can be termed as “Best Travel Insurance”…It is not fair to conclude that a particular travel insurance plan is better or worse than another travel insurance plan.
How to buy the best Overseas travel mediclaim insurance
Travel Insurance can be categorised as “best travel insurance” if they offer a comprehensive coverage to the insured traveller every time they travel abroad. Depending on the age of the traveller, their destination country and duration of travel, the traveller has a variety of plans to choose from across all insurance providers.Visa on arrival for Indians
Indian passport holders have the benefit of visa on arrival in different countries – find travel insurance suitable for visa on arrival.Mediclaim Insurance Factors
Factors to consider when comparing mediclaim insurance in India
Top mediclaim insurance policies
Currently there are many good insurance providers, both General (Non Life) insurance companies as well as Standalone Health Insurance providers who offer comprehensive health insurance solutions for the Indian customer.Best mediclaim insurance for individuals
There are many comprehensive health insurance mediclaim policies in the Indian market, offered by the leading insurance companies.
Unique featuresof popular plans
Unique India health insurance policies, Best mediclaim insurance in India.Mediclaim insurance for nri
NRIs can definitely purchase a Health Insurance policy in India and can make a claim under the policy as well.Best government health insurance
Best Government health insurance in India, Comprehensive health insurance.
Tips for buying best mediclaim insurance
Tips for buying best mediclaim insurance in IndiaCommon Mediclaim Insurance Myths
Health insurance is an insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over a large number of persons.
Affordable parents mediclaim insurance
Best India health insurance for parents, Comprehensive mediclaim insurance for parents.List diseases covered
List of diseases covered by health insurance in India.
Best insurance for smoking alcohol consumption
India health insurance for Smokers and DrinkersBest age to buy mediclaim insurance
Best age to buy India health insurance, Buying India mediclaim insurance.Best senior citizens mediclaim insurance
Some of the key insurance options for Senior Citizens Health insurance are highlighted in the table
Factors for health mediclaim insurance
Every plan from every Indian insurance company offers a different set of benefits/coverages at different premium points and hence one must compare the plans before choosing the optimum plan for themselves and their family. There is no single plan that can be termed as the best plan.India health insurance with Cashless Hospitalization, Best cashless mediclaim policy
Cashless Hospitalization is a feature/service given by the Insurance Companies in India where an active customer/policy holder can get admitted in the insurance company’s network hospitals anywhere across India and undergo the required treatment without any payment (except the policy deductible/co-payment) for medical expenditure.
Best India family floater health insurance for family
The Family Floater policy is the ideal plan for them. The Family Floater is a single policy that takes care of the hospitalization expenses of your entire family. The policy has one single sum insured, which can be utilised by any/all insured persons in any proportion or amount subject to maximum of overall limit of the policy sum insured.
Health Insurance in India
Health insurance is a contract between the insured and the insurance company to cover for medical emergencies that we consider 'accidental and sudden'.Reliance Health Insurance in India
According to the Insurance Regulatory development Authority of India (IRDA) only 2% of Indians have health insurance.
Insurance Regulatory and Development Authority of India(IRDAI)
The Insurance Regulatory and Development Authority of India(IRDAI) is a national agency run by the Government of India. IRDAI is based in Hyderabad and was formed by an act of Indian Parliament called as IRDAI Act of 1999.Top reasons for health insurance claims rejection
Top reasons for health insurance claims rejection in India
National health claim exchange
Soon, all health insurance claims will be processed via centralised platform NHCX (National Health Claims Exchange).
Advantages over International insurance
Currently many Indians are opting to buy their Overseas Travel/Medical Insurance from foreign insurers assuming that the Indian Insurance plans are not comprehensive or do not have certain coverages.International health insurance for studying overseas
International health insurance for Indian student is available for any student between the ages of 16-40 (depending on the insurance company opted for) while travelling abroad to pursue their higher studies at a foreign College/University.Types of Private Car Insurance in India
This is the most complete and comprehensive car insurance policy you could get for your four wheeler. Apart from Third-party Liability, comprehensive car insurance covers Own Damages (OD) expenses such as burglary, explosion, flooding, water clogging and more.Should One Buy Comprehensive Insurance or Third Party Coverage for their Car?
While it is legally required for every motor vehicle to have atleast a Third Party insurance cover, most pundits will tell you that it is advisable to have a Comprehensive Cover for your car.Top factors that affect your car insurance premium?
Some of the factors which effect car insurance premium in India while deciding to insure your car, there are many factors that have to be kept in mind while opting for the ideal cover.Private Car Insurance Add-ons
Under car insurance, an add-on cover is referred to as an additional cover that can be purchased by a car owner to strengthen the coverage level of his/ her car.Thoughts on Life Insurance
Life Insurance is an arrangement wherein the policyholder purchases financial protection in the form of an Insurance Policy from the Insurance Company by paying the insurer amounts of money, known as Premium at regular intervals.
Types of Life Insurance Plans
Life insurance players have introduced many categories and types of Life insurance plans which provide different levels of protection.
Why Buy Life Insurance Online?
One can now purchase their Life Insurance online from the comfort of their home, be it a Term Life policy or an Investment plan.