JEEVAN ANAND LIFE INSURANCE POLICY BY LIC

Features of plan

Jeevan Anand plan is the combination of whole life policy and endowment insurance policy the plan provides the per-decided S.A. and bonus at the end of the stipulated PPT, but the risk cover on the life continues till death. This policy is suitable for the people of all ages and social groups. The policyholder will be benefited by giving protection to their families from a financial setback that may occur owing to their demise The amount assured if not paid by reason of his death earlier will be payable at the end of the endowment term where it can be invested in an annuity provision for the rest of the policyholder's of this plan is moderate premiums, high liquidity, saving oriented.
Premiums are usually payable for the selected term of years or until death if it occurs during the term period. Accident benefit is available during engaged in hazardous occupations attracting occupational extra.


Plan parameters

Age at entry                   :     Min.18 yrs Max. 65 yrs.
PPT maturity age            :    Max. 75 yrs
Sum assured                  :     Min. 1,00,000 Max. No. Limit
S.A. in multiples             :    5000
Term                             :     Min.5 yrs Max. 57 yrs
Mode of payment          :    YLY/HLY/QLY/SSS/MLY
Accident benefit            :    Incl. in. T.P.
Policy loan                    :    yes
Housing loan                 :    yes
Assignment                   :    yes
Revival                         :    yes
Surrender of policy       :    yes
Term rider                    :    N.A.
CIR                              :    yes

UNDERWRITING CONDITION

Form no : 300 (rev.)

Age proof : std/ NSAP-    1,2,3
Female lives category   :    I/II/III
Non-medical (Gen)      :    Allowed
Non-medical (Prof)      :    Allowed
Non-medical (special)   :   Allowed
Actual sum assured      :    Basic SA
Risk coverage              :    SA+ Bonus
Dating back @ 8%      :    Allowed



BENEFITS

Maturity benefit:

S.A. +Bonus + FAB, if any is at the end of the premium paying term (PPT) Death benefit:
If death occurs during the premium paying term S.A. + Bonus +FAB, if any is payable and premium payment is ceased. An extra amount equal to the S.A. is payable if death occurs after the premium paying term. No bonus is paid on death after the premium paying term.

Accident benefit: 

The double accident benefit is available during the premium paying term and thereafter up to age 70. the premium for this has been built into the tabular premium rate.

Example: 

Mr. Sharad Pawar 25 years, opts for jeevan anand policy for 20 years with S.A. Rs.1 Lac. He has to pay annual premium of Rs.5490/- on maturity, Mr. Sharad Pawar will get Rs.1,98,000/- (S.A. + Bonus as per 2005 rates i.e. Rs.43 per thousand per annum which become 43 x 100 x 20 = 86,000/-). Even after the premium paying term is over, risk cover continues till the death of Mr. Sharad Pawar.

But if, Mr. Sharad Pawar dies at the age of 65 years his nominee will get an additional amount equal to the S.A. i. e. Rs.1 Lac in cash, Mr. Sharad Pawar dies during premium paying term his nominee will receive Rs. 1Lac + accumulated Bonus.

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Top 10 Insurance Company

1. Apollo Munich Health Insurance Company Limited 

It is a joint venture between Asia’s largest integrated healthcare provider Apollo hospitals Group and Germany based Munich Health. The company works upon the thought of “Let’s Uncomplicated’ and offers tailor-made mediclaim policies to individuals, family, senior citizen and corporate.

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2. Star Health and Allied insurance Co Ltd

It is India’s first stand-alone health insurance company, dealing in personal accident, mediclaim and travel insurance Due to its hassle-free and customer-friendly direct claim settlement, the company was bestowed with "Claims Service Company of the year 2014” award among 28 General Insurance Companies who were also competing for the same title.

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3. Future Generali India Insurance Company Ltd

Future Generali is a joint venture between India’s leading retailer Future Group and Italy-based Generali Group. Catering to divergent needs of life and non-life insurance customers, the company works towards imparting superior customer service through innovative insurance products and services.

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4. Bajaj Allianz General Insurance Co Ltd

 Bajaj Allianz General Insurance Company Limited is a joint venture between Bajaj Finserv Limited (recently demerged from Bajaj Auto Limited) and Allianz SE. Bajaj Finserv Limited holds 74% and the remaining 26% is held by Allianz, SE.

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5. ICICI Lombard General Insurance Co. Ltd

ICICI Lombard General Insurance Co. Ltd. is a joint venture between ICICI Bank Limited, India‘s second largest bank and Fairfax Financial Holdings Limited, a Canada based diversified financial services company engaged in general insurance, reinsurance, insurance claims management and investment management. Since its inception, the company has been working towards providing utmost satisfaction to its customers by offering customized insurance solutions. In 2013, ICICI Lombard received the highest rating in terms of overall customer satisfaction and was conferred with the title “The Most Recommended Company” in 2013 survey, which was organized by Dept. of Consumer Affairs, Ministry of Consumer Affairs to assess customer satisfaction and quality of health insurance in India,

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6. Cigna TTK

Cigna TTK is established as a joint venture between Cigna, a global insurance company and TTK Group, an Indian conglomerate. Incepted in 2012, Cigna TTK offers health insurance plans to meet both individual and family health insurance needs.

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7. National Insurance Co Ltd 

It is a government controlled undertaking and provides a wide gamut of insurance products, including motor, health, personal and fire insurance.

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8. Iffco Tokio General Insurance Co Ltd 

It is a joint venture between Indian Farmers Fertilizer Co-operative (IFFCO) and its associates and Tokio Marine and Nichido Fire Group, the largest listed insurance group in Japan. Incorporated in 2000, Iffco Tokio General Insurance Co Ltd offers a wide array of non-life insurance products that give complete coverage in those times when you need it most.

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9. The New India Assurance Co Ltd 

Square 721 BT Headquartered in Mumbai, The New India Assurance Co. Ltd. is a nationalized general insurance company operating in 22 nations. Founded in 1919, Indian operations of the country today span across all indian territories through 2097 offices.

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10. The Oriental Insurance Co. Ltd

Incorporated in 1947, Oriental Insurance Co. Ltd. is a pioneer in laying down systems for smooth functioning of the insurance sector. Headquartered in New Delhi, Oriental Insurance Co. Ltd. has formulated various insurance products to cater needs of both urban and rural India. It is a central government undertaking providing general insurance and has operations in Nepal, Kuwait and Dubai.

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Apollo Munich Health Insurance

Why to buy health insurance plans?

Apollo Munich Health Insurance Company Overview Apollo Munich Health Insurance Company is a joint venture between Apollo Hospitals, one of Asia’s largest integrated healthcare providers’ and Munich Health; the health business segment of Germany-based Munich Re. It started operations in India in the year 2007. Apollo Munich is a health insurance company Limited that aims to bring excellent health care services within the reach of the common man. The company offers a range of products designed to meet all the requirements of the individual. 

Health Insurance Plans have become very important in the modern age due to the rising cost of medical expenses and the treatment costs of various ailments. Moreover, the current lifestyle of individuals has made them more prone to diseases and ailments, which require medical attention. Medical costs are spiraling upwards and there is no relative growth in the income of the common man who eventually faces a financial crisis when faced with a medical emergency. Thus, it is prudent to insure oneself against any medical contingencies that may arise so that the financial aspect of the crisis is at least handled by the insurance company and the medical costs do not become a burden on the average middle-class man. 

Advantages and Benefits of availing Apollo Munich health insurance plans Apollo Munich health insurance company limited strives to become a trusted leader in the health insurance industry; it provides simple yet innovative solutions for health insurance. Apollo Munich provides a vast array of health insurance plans that caters to individuals, families, senior citizens and corporate houses as well. The company’s motto is ‘Let’s uncomplicate’, which shows its focus on providing effective yet simple solutions for every healthcare need. It has even been awarded the title of ‘Health Insurance Company of the year’. Given below are the advantages of buying health insurance Policies from Apollo Munich: The customer can choose from a wide range of sum insured options at affordable premiums, from Rs. 1 lakh to Rs. 15 lakhs. The company has a significant presence all over the country with empanelled hospitals all over that offer cashless procedures. The company has in-house specialized team of doctors who oversee claims processes and who process the claims quickly. 98% of the claims received by the company are settled within a span of 15 days. 

The Apollo Munich Insurance company offers the facility of portability if the customer wishes to port their plans from other health insurance companies to Apollo Munich. Accumulated benefits are all integrated and carried forward without any hassles. Customers get a tax benefit on the premiums of the health insurance plans that they pay under section 80D of the Income Tax Act. Pre and post hospitalization cover is provided to customers. 

Customers enjoy a lifelong renewal benefit on the plans availed.

If the customer has a no-claim year, their basic sum insured will be raised by 50% with no extra charge. If the customer has a second, subsequent no-claim year then their basic sum insured is raised by 100%.>

The customer will enjoy a Restore Benefit if the customer or his family member exhausts the sum insured during the year. The company will restore the full amount for any new illnesses without any paperwork or extra charges. List of Apollo Munich health Insurance Plans 

The Apollo Munich Health Insurance company Limited offers a variety of health insurance plans to customers. Apollo Munich Optima Health Restore Insurance Plan

Apollo Munich Easy Health Exclusive Insurance Plans Apollo Munich Easy Health Premium Plan>

Apollo Munich Easy Health Premium Plan

Apollo Munich Optima Super Insurance Plan

Apollo Munich Optima Plus Insurance Plan

Apollo Munich Optima Vital Insurance Plan

Apollo Munich Optima Cash Insurance Plan

Apollo Munich Dengue Care Plan

Apollo Munich Optima Senior Insurance Plan

Let us take a look at each of the plans in detail:

Apollo Munich Optima Health Restore Insurance Plan

A unique health insurance plan that automatically restores the basic sum insured to the customer in case it is exhausted during the course of the year. This plan is available on both individual as well as family floater basis. 

These are the features of the plan: Access to cashless hospitalization facility across empanelled hospitals all over the country Pre and post hospitalization expenses covered for 60 and 90 days respectively Daycare procedures are covered that do not require 24 hours hospitalization Domiciliary treatment is covered where the treatment is undertaken at home Emergency ambulance charges up to Rs. 2000 are covered >

Treatment expenses for the organ donor at the time of organ transplant are covered A lump sum amount is provided if the person opts to stay in a shared accommodation while being hospitalized Automatic restoration of the basic sum insured if the customers’ basic insured is exhausted during the course of the year There is a facility for E-opinion, in which if the insured person requests the company will arrange for a second opinion from a medical practitioner selected by the insured person from the panel of doctors provided. There is a Multiplier Benefit in which for every claim-free year, the customer receives a bonus of 50%, accumulating up to 100%. 

Apollo Munich Optima Restore Eligibility: 

Coverage is provided from the age of 5 to 65 years. A child can be covered from three months onwards if one parent is covered under this plan This Apollo Munich health Insurance plan has coverage of up to for the self, spouse, dependent children and dependent parents or parents-in-law Apollo Munich Easy Health Exclusive Insurance Plans This is a health plan that covers expense relating to hospitalization without any sublimits or copays. 

The features of the plan are as follows: 

Sum insured option provided up to Rs. 5 lakhs Medical expenses in case of hospitalization are covered Access to cashless hospitalization facility across empanelled hospitals all over the country Pre and post hospitalization expenses covered for 60 and 90 days respectively Daycare procedures are covered that do not require 24 hours hospitalization Domiciliary treatment is covered where the treatment is undertaken at home Emergency ambulance charges up to Rs. 2000 are covered Treatment expenses for the organ donor at the time of organ transplant are covered A lump sum amount is provided if the person opts to stay in a shared accommodation while being hospitalized 

There is the Ayush Benefit where medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha and Homeopathy are covered 

After four-claim free years a free comprehensive health check up is provided There is an option of taking additional cover for critical illness. The sum insured for the critical illness can be 50% to 100% of the basic sum insured, subject to a minimum amount of Rs. 100,000 and a maximum of Rs. 10,00,000. Apollo Munich Easy Health Exclusive Insurance Eligibility: 

Coverage is provided from the age of 5 to 65 years. A child can be covered from three months onwards if one parent is covered under this plan This plan has coverage of up to for the self, spouse, dependent children and dependent parents or parents-in-law Apollo Munich Easy Health Premium Plan This is a health plan that covers expense relating to hospitalization without any sublimits or copays.

The features of the plan are as follows: 

Sum insured option provided up to Rs. 50 lakhs Medical expenses in case of hospitalization are covered Access to cashless hospitalization facility across empanelled hospitals all over the country Pre and post hospitalization expenses covered for 60 and 90 days respectively Daycare procedures are covered that do not require 24 hours hospitalization Domiciliary treatment is covered where the treatment is undertaken at home Emergency ambulance charges up to Rs. 2000 are covered 

Treatment expenses for the organ donor at the time of organ transplant are covered A lump sum amount is provided if the person opts to stay in a shared accommodation while being hospitalized There is the Ayush Benefit where medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha and Homeopathy are covered 

After four-claim free years a free comprehensive health check up is provided There is an option of taking additional cover for critical illness. The sum insured for the critical illness can be 50% to 100% of the basic sum insured, subject to a minimum amount of Rs. 100,000 and a maximum of Rs. 10,00,000. This plan covers maternity expenses for both before and after childbirth procedures There is an option to cover the new born baby from day one to 90 days If an insured child is hospitalized then a lump sum amount is paid if an adult accompanies the child during the hospitalization A Recovery Benefit of Rs. 10000 is provided if the hospitalization is for greater than 10 days 

Apollo Munich Easy Health Premium Plan Eligibility : 

Coverage is provided from the age of 5 to 65 years. A child can be covered from three months onwards if one parent is covered under this plan This plan has coverage of up to for the self, spouse, dependent children and dependent parents or parents-in-law Apollo Munich Easy Health Premium Plan This is a health plan that covers expense relating to hospitalization without any sublimits or copays. 

The features of the plan are as follows: 

Sum insured option provided from Rs. 4 lakhs up to Rs. 50 lakhs Medical expenses in case of hospitalization are covered Access to cashless hospitalization facility across empanelled hospitals all over the country Pre and post hospitalization expenses covered for 60 and 90 days respectively Daycare procedures are covered that do not require 24 hours hospitalization Domiciliary treatment is covered where the treatment is undertaken at home Emergency ambulance charges up to Rs. 2000 are covered 

Treatment expenses for the organ donor at the time of organ transplant are covered A lump sum amount is provided if the person opts to stay in a shared accommodation while being hospitalized There is the Ayush Benefit where medical expenses for in-patient treatment taken under Ayurveda, Unani, Sidha and Homeopathy are covered 

After four-claim free years a free comprehensive health check up is provided There is an option of taking additional cover for critical illness. The sum insured for the critical illness can be 50% to 100% of the basic sum insured, subject to a minimum amount of Rs. 100,000 and a maximum of Rs. 10,00,000. This plan covers maternity expenses for both before and after childbirth procedures There is an option to cover the new born baby from day one to 90 days 

If an insured child is hospitalized then a lump sum amount is paid if an adult accompanies the child during the hospitalization A Recovery Benefit of Rs. 10000 is provided if the hospitalization is for greater than 10 days There is a facility for E-opinion, in which if the insured person requests the company will arrange for a second opinion from a medical practitioner selected by the insured person from the panel of doctors provided. This plan covers outpatient dental treatment after a waiting period of three year The plan covers up to 50% of the cost of one pair of spectacles, contact lenses or hearing aids 

Eligibility: 

Coverage is provided from the age of 5 to 65 years. A child can be covered from three months onwards if one parent is covered under this plan This plan has coverage of up to for the self, spouse, dependent children and dependent parents or parents-in-law Apollo Munich Optima Super Insurance Plan This is a top up health insurance plan that offers varied sum insured and deductible combinations. 

The features of the plan are as follows: 

Medical expenses in case of hospitalization are covered Access to cashless hospitalization facility across empanelled hospitals all over the country Pre and post hospitalization expenses covered for 60 and 90 days respectively Daycare procedures are covered that do not require 24 hours hospitalization Emergency ambulance charges up to Rs. 2000 are covered Treatment expenses for the organ donor at the time of organ transplant are covered There is a waiver of Deductible Benefit in which the customer has the option to convert the plan to a fully fledged Indemnity Health Insurance Plan with no medicals or underwriting required, only at renewal between 55 to 60 years. This is on the condition that the insured person had enrolled under the policy before the age of 50 years and has renewed the plan continuously without a break 

Apollo Munich Optima Super Insurance Plan Eligibility: 

Coverage is provided from the age of 5 to 65 years. A child can be covered from three months onwards if one parent is covered under this plan This plan has coverage of up to for the self, spouse and two dependent children Apollo Munich Optima Plus Insurance Plan This is a top up health insurance plan that covers hospitalizations that result in high cost treatment. 

The features of the plan are as follows: 

Medical expenses in case of hospitalization are covered Access to cashless hospitalization facility across empanelled hospitals all over the country Pre and post hospitalization expenses covered for 60 and 90 days respectively Daycare procedures are covered that do not require 24 hours hospitalization Domiciliary treatment is covered where the treatment is undertaken at home Emergency ambulance charges up to Rs. 2000 are covered >

Treatment expenses for the organ donor at the time of organ transplant are covered There is a waiver of Deductible Benefit in which the customer has the option to convert the plan to a fully fledged Indemnity Health Insurance Plan with no medicals or underwriting required, only at renewal between 58 to 60 years. This is on the condition that the insured person had enrolled under the policy before the age of 50 years and has renewed the plan continuously without a break 

Apollo Munich Optima Plus Insurance Plan Eligibility: 

Coverage is provided from the age of 5 to 65 years. A child can be covered from three months onwards if one parent is covered under this plan This plan has coverage of up to for the self, spouse, dependent children and dependent parents 

Apollo Munich Optima Vital Insurance Plan 

This is a top up health insurance plan that will pay a lump sum amount for an identified critical illness that is mentioned in the list of 37 critical illnesses, or medical events or surgical procedures.The features of the plan are as follows: Lump sum payment for 37 critical illnesses >

Sum insured amount ranges from Rs. 1 lakh to Rs. 50 lakhs >

There is a facility for E-opinion, in which if the insured person requests the company will arrange for a second opinion from a medical practitioner selected by the insured person from the panel of doctors provided. >

Apollo Munich Optima Vital Insurance Plan Eligibility: 

Coverage is provided from the age of 5 to 65 years. A child can be covered from three months onwards if one parent is covered under this plan This Apollo Munich Health Insurance plan has coverage of up to for the self, spouse, dependent children and dependent parents 

Apollo Munich Optima Cash Insurance Plan 

This Apollo Munich health insurance plan provides for a specified amount every day for which the insured is hospitalized to take care of the family’s financial requirements. The features of the plan are as follows: Sickness Hospital cash is provided in which a daily cash amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours, due to sickness. 

Sickness ICU Cash is provided in which twice the daily amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours due to sickness. 

Accidental Hospital cash is provided in which a daily cash amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours, due to an accident. 

Accidental ICU Cash is provided in which twice the daily amount is paid for each continuous and completed period of 24 hours if the insured person is hospitalized for more than 24 hours, due to an accident.

Daycare procedure cash is provided if the insured undergoes any of the 10 identified daycare procedures that do not require 24 hours hospitalization. The amount is 50% of the daily cash amount.

Twice the daily cash amount is provided for each continuous and completed 24 hours where two or more people are concurrently hospitalized due to an accident.

A convalescence cash is provided in the form of a lump sum amount if the insured person is hospitalized for more than 7 continuous days.

Under the platinum plan, a female who is insured will receive twice the daily sickness cash amount for maternity If a child below 12, who is insured is hospitalized for more than 72 hours a daily cash amount for the parents’ accommodation will be provided.

Apollo Munich Optima Cash Insurance Plan Eligibility: 

Coverage is provided from the age of 5 to 65 year. A child can be covered from three months onwards if one parent is covered under this plan This Apollo Munich Health Insurance Policy has coverage of up to for the self, spouse and dependent children Apollo Munich Dengue Care Plan This Apollo Munich Health Insurance plan is a first of its kind where the medical expenses related to the treatment of dengue are covered. Pre and post hospitalization expenses are covered There is a Shared Accommodation Benefit if the insured person opts for a shared accommodation in a network hospital. Outpatient consultations by a general medical practitioner for the treatment of dengue will be covered Diagnostic tests taken for the detection of dengue will be covered Medicines that are prescribed for the treatment of dengue will be covered If necessary medical treatment is undertaken at home by the empanelled medical practitioner, those medical expenses will be covered 

Apollo Munich Dengue Care Plan Eligibility: 

Coverage is provided from the age of three months to 65 years. A child can be covered from three months onwards if one parent is covered under this plan This plan has coverage of up to for the self, spouse, dependent children and dependent parents Apollo Munich Optima Senior Insurance Plan A health plan designed for senior citizens who frequently require medical attention. The features are as follows: Hospitalization expenses are covered where the hospitalization is for more than 24 hours Pre and post hospitalization expenses are covered Daycare procedures are covered that do not require 24 hours hospitalization Domiciliary treatment is covered where the treatment is undertaken at home Emergency ambulance charges up to Rs. 2000 are covered Treatment expenses for the organ donor at the time of organ transplant are covered There is a facility for E-opinion, in which if the insured person requests the company will arrange for a second opinion from a medical practitioner selected by the insured person from the panel of doctors provided. Cumulative bonus and family discount of 5% Apollo Munich Optima Senior Plan Eligibility : >

Coverage is provided from the age of 61 years onwards The self and spouse may be covered under the plan on an individual sum insured basis. Apollo Munich Insurance Premium Calculator: The Apollo Munich Health Insurance company provides the facility of premium calculation to prospective individuals seeking to buy health insurance plans from the company. Following are some of the instances where the premium has been calculated using the company’s calculator: 

A wants to apply for an Optima Restore Individual policy for himself for a value of Rs.5 lakhs. He is 30 years old and for the stated coverage, the amount of annual premium works out to be Rs. 7404. B wants to buy a plan for himself and his newly married wife. He approaches Apollo Munich with a proposal to cover himself and his spouse for a total of Rs.10 lakhs. B is aged 32 years and his wife is aged 30 years. The premium for their Easy Health Standard health insurance plans comes to Rs.11, 830. 

C a 45 year individual needs a health plan for his family comprising of himself, his wife aged 43 years and his 2 children aged 7 and 12 years respectively. The coverage sought is Rs.5 lakhs each for which the premium charged is Rs.22, 065. The table tabulates the above apollo munich health insurance premium data for an instant reference: Health insurance plans offered by the Apollo Munich health insurance company can be applied to through multiple channels like:How to Apply for Apollo Munich Health Insurance Plans Individuals desirous of availing any of the health insurance plans can simply call the Sales helpline of the company at 1800 103 0555 and speak to the customer service representative. They can provide their name, mobile number and email id on the website of the company and request for a call back Lastly, customers may also visit the company’s branches or get in touch with an agent to buy the plans required. Apollo Munich Health Insurance - FAQs 1. How to pay premium? What are the modes of payment available? Apollo Munich Health Insurance offers three different modes for payment of the premium.

You can get for the auto renewal process through the help of the mandate.

You can deposit cash or cheque at the bank with the policy details

You can also login to the site and make a direct payment.

2. How can I check Apollo Munich Health Insurance policy status?

You can check the policy status online by login into e-Portal with valid User Id and Password.

Alternatively, you can call toll-free 1800-103-0555 to inquire about the policy status.

3. What is the Apollo Munich Health Insurance policy renewal process?

You can renew the policy online. Simply go to the e-portal and follow the steps for renewing the policy. Alternatively, you can use our IVR and use the direct payment link to renew the policy. Please contact us on toll free 1800-102-0333 to complete the process.

Please Note: 3rd party payment is not acceptable through online channel.

Online renewal is not allowed if the policy is in grace period.

4. What is the company’s process to settle Apollo Munich Health Insurance claim?

Apollo Munich Health Insurance offers two types of claims;

Cashless Claim :- Under cashless claim, you need to utilize the hospitals that are on the panel of this insurance company. Verification by TPA will be done and upon authorization, direct payment will be made to the hospital.

Reimbursement Claim :- For reimbursement claim you need pay upfront to the hospital and seek reimbursement from the insurers. You need to submit valid documents with claims forms to proceed. The claims are settled within 7 working days.

For more information Call toll-free: 1800-102-0333.

5. What is the Apollo Munich Health Insurance policy cancellation process?

You can cancel the policy, provided no claims have been made under it. The premium will be refunded as per the policy T&C. You can cancel your policy during the Freelook period of 15 days from receiving your policy kit. In case of Free Look cancellation, the insurer will deduct medical checkup expenses, stamp duty charges and service tax incurred on your policy

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Oriental Insurance

Oriental Insurance Company Overview

Established on 12th September, 1947, the Oriental Insurance Company Ltd began its operations in Mumbai, India. Previously, it was a wholly owned subsidiary of Oriental Government Security Life Assurance Company Limited. From 1956 to 1973, the company was a subsidiary of LIC before nationalisation of General Insurance Business in India. In 2003, the Union Government acquired all the shares of Oriental Insurance Company Ltd. from General Insurance Corporation of India.

Headquartered in New Delhi, Oriental Insurance Company Ltd. has 30 regional offices and more than 1800 active branches across the country. The company has shown its international capabilities by opening branches in Nepal, Kuwait, and Dubai. With more than 1400 employees, Oriental Insurance Company has emerged as one of the leading insurance providers in India.

Dr. AK Saxena operates as the Chairman cum Managing Director of Oriental Insurance Company. With a first year premium of Rs. 99,556, the company made a modest beginning in 1950. The company has recorded the Gross Premium of Rs. 7282.54 crore in the financial year of 2013-2014.

Oriental Insurance Product Portfolio Oriental Health Insurance:

Oriental Health Insurance plans take care of all your medical emergencies by managing the financial aspect. Once you are sorted financially, you can concentrate on taking care of the well-being of yourself and your family.

Individual Mediclaim Policy:

The Individual Mediclaim Policy is available to any individual between the age of 18 and 80 years for treatment in India. It is a health cover for medical expenses incurred by the insured due to hospitalisation. The hospitalisation may occur due to a sudden illness, an accident or a surgery necessitated by a disease, during the policy period.

Family Floater Health Insurance:

The Happy Family Floater Policy is a health insurance policy for the entire family including the insured, his or her spouse, children, parents and parents-in-law. The floater aspect of the policy implies single sum insured for the entire family provided they reside in India. The policy is available as two plans – Silver and Gold. No medical examination is required for persons up to the age of 60 years.

Happy Family Floater Policy:

The Happy Family Floater Policy is a health insurance policy for the entire family including the insured, his or her spouse, children, parents and parents-in-law. The floater aspect of the policy implies single sum insured for the entire family provided they reside in India. The policy is available as two plans – Silver and Gold. No medical examination is required for persons up to the age of 60 years.

Group Mediclaim Policy:

The Group Mediclaim Policy from Oriental Insurance is available to any group, association, institution or a corporate body of more than 50 persons or families, provided it has a central administration point. The policy reimburses reasonable and necessary expenses for hospitalisation expenses for illnesses or diseases contracted or injury sustained by the insured persons during the policy period up to the sum insured.

Oriental Jan Arogya Policy:

The Jan Arogya Policy covers reimbursement of expenses incurred on hospitalisation for any illness, diseases or injury. In the event of any claim becoming admissible under the scheme, the insured person is paid an amount equivalent to reasonable expenses that are incurred by or on behalf of the insured person. However, the amount paid should not exceed the sum insured in any one period of insurance.

Oriental Bank Mediclaim Policy:

This Oreintal Insurance cover is available to account holders and employees of Oriental Bank of Commerce. The group policy reimburses reasonable and necessary expenses for hospitalisation due to an illness or disease, or an injury sustained by the insured persons during the policy period. The amount paid can be up to the sum insured limit.

Health Of Privileged Elders (HOPE) Policy:

The Health of Privileged Elders (HOPE) policy has been exclusively designed for citizens aged 60 years and above. The policy reimburses hospitalisation and/or domiciliary hospitalisation expenses for specified diseases contracted or injuries sustained by the insured persons. The sum insured amounts available are Rs. 1/2/3/4/5 lakh.

PNB Oriental Royal Mediclaim:

The PNB-Oriental Royal Mediclaim Insurance Policy is available to account holders and employees of Punjab National Bank. The policy reimburses reasonable and necessary expenses for due to an illness, disease or injury up to the sum insured limit.

Pravasi Bharatiya Bima Yojana (PBBY):

This Oriental insurance scheme is available to all Indian citizens who apply and obtain an emigration clearance required under the Emigrant Act, 1983 (31 of 1983), between the age group of 18 and 60 years while on employment abroad. In case of accidental death or permanent disablement that leads to loss of employment while in employment abroad, a capital sum insured Rs. 10 lakh is paid to the insured or his/her nominee or legal representative.

Thana Janta Sahakari Bank Mediplus Policy:

The Thana Janta Sahakari Bank Mediplus Policy reimburses hospitalisation expenses for illness or diseases contracted, or injury sustained by the insured person. In the case of a claim, the company or the third party administrator (TPA) will pay the hospital or the insured.

Oriental Car Insurance: Road accident and theft are the two most common issues that every car owner must take care of. The Oriental car insurance plan does exactly the same for you. It offers a comprehensive coverage so that you can ride, stress-free.

Oriental Two Wheeler Insurance: A two-wheeler insurance policy keeps your two-wheeler secured against damages caused by man-made and natural calamities. The cost of two-wheeler insurance is nominal, and can be further reduced if the owner installs anti-theft equipment, like siren and tracker on his/her two-wheeler.

Oriental Commercial Vehicle Insurance: Anyone who owns a business must have some type of commercial vehicle that must be used to make deliveries. This vehicle, like other vehicles running on the road, must be insured. This is where commercial vehicle policy steps in. There are commercial vehicle insurance policies available to cover vehicles like goods carrying vehicles, passenger carrying vehicles, etc.

Oriental Travel Insurance: Oriental travel insurance policies become a great companion for you on your holidays, business trips or visits and help in safeguarding the dilemma of lost baggage on the way.

Overseas Mediclaim Business And Holiday Plan By Oriental Insurance

This Oriental Insurance policy provides indemnity for expenses incurred on treatment for illnesses or injury suffered during overseas travel. The condition must an emergency and should require immediate treatment. The plan covers Indian residents undertaking bonafide trips abroad for business and official reasons or for holidays. The sum insured ranges from Rs. 50000 to Rs. 500000.

Overseas Mediclaim Employment And Study Plan By Oriental Insurance

This Oriental Insurance policy provides indemnity for expenses incurred on medical treatment for illnesses or injuries that happen during overseas travel for employment or study. The minimum period of cover is of 2 months, and a maximum of 12 months. The sum insured is $75000. The policy can be renewed if required. The premium has to be paid in US dollars, irrespective of the country being visited.

Oriental Home Insurance: Buying a home is probably one of the biggest investments you have ever made in your life. Therefore, it is your responsibility to protect it from unpredictable damages including natural or manmade disasters. Home insurance gives an all-encompassing protection for your dream home. A comprehensive home insurance policy also covers the content of a house.

Oriental Personal Accident Insurance: Accidents are unforeseen. Such mishaps not only affect a person physically but the impact can also be felt on the emotional and financial grounds. Hence, it becomes important to ensure the financial stability of your family by buying a good personal accident policy. The policy covers death of individual and physical injuries.

Oriental Personal Accident:

The personal accident policy provides compensation in the case of injuries that may result in death or disablement, whether temporary or permanent. One can opt for additional benefits such as cumulative bonus, and children education fund, among others.

Oriental Gramin Accident Insurance:

The Gramin Accident Insurance policy covers accidents in the rural sector. The policy provides compensation in the event of death, permanent total disablement, loss of limbs or loss of eyesight due to accidents. It covers any person between the age group of 10 to 70 years irrespective of occupation, income, etc.

Oriental Jan Arogya Bima:

The Jan Arogya Bima policy is available to persons between the age of 5 and 70 years and provides for hospitalisation and domiciliary hospitalisation expenses for a premium as low as Rs. 70 for an adult individual and Rs. 50 for each dependent child not exceeding 25 years of age. Benefits are offered up to Rs. 5000 per person per annum without any sub-limits.

Oriental Janata Personal Accident Policy:

The Janata Personal Accident Policy provides compensation to the insured or his/her family in the event of death, permanent disablement, loss of limbs or loss of eyesight due to an accident.

Oriental Nagrik Suraksha Policy:

The Nagrik Suraksha Policy is an accidental insurance that provides compensation for accidental injuries and/or reimburses hospital expenses incurred due to the accidental injuries. The policy covers Indian citizens in the age group of 5 to 70 years in the family package, and between 18 and 70 years for the individual/group cover.

Oriental Personal Accident - Group:

This Oriental Insurance policy provides compensation if one of the persons in the insured group sustains injuries, solely and directly because of an accident caused due to a visible act of violence and results in death, or temporary or permanent disablement.

Oriental Personal Accident - Individual:

The Personal Accident Insurance policy provides compensation in the event of the insured sustaining injuries, solely and directly resulting from an accident caused by violence, visible and external means, which leads to death, or temporary or permanent disablement

Oriental Liability Policies: The liability policies from Oriental Insurance protects the insured against any liability that may arise in the natural course of their business

Directors And Officers Liability Policy.

Professional Indemnity Errors & Omissions Insurance for Chartered Accountants/Financial.

Accountants/Management Consultants/Lawyers/Advocates/Solicitors/Counsels.

Professional Indemnity Errors & Omissions Insurance Policy for Consulting Engineers/Architects & Interior Decorators.

Professional Indemnity Policy for Doctors and Medical Practitioners.

Professional Negligence Errors and Omissions Insurance Policy for Medical Establishments.

Sports Insurance Policy.

Stock Brokers Indemnity Insurance Policy.

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New India Assurance

New India Assurance Company Overview

Headquartered in Mumbai, New India Assurance Co. Ltd. is the wholly government owned multinational general insurance company operating in 22 nations throughout the world. Established by Sir Dorabji Tata in 1919, New India Assurance has been a pioneer in the non-life segment for over 50 years. It is one of the leading global insurance groups in the international market and has offices and branches in overseas markets.

Headed by the team of competent professionals who have helped the company to stay distinctively ahead of competitors, New India has gained a significant momentum owing to below achievements:

First insurer to setup an aviation insurance department in 1946

First insurer to handle all requirements of the Indian Shipping Fleet

First insurer to set up its own training school

Largest number of offices in India and abroad

Global presence in countries like the UK, Australia, Mauritius, Thailand, New Zealand, the UAE and Philippines.

At present, the company is offering a wide array of products, which can be broadly categorised under below heads:

Personal Insurance: It covers policies like individual health policy, family floater, senior citizen health policy, motor policy, money insurance, etc.

Commercial Insurance: It includes insurance like marine cargo policy, jewellers block policy, aviation insurance, etc.

Industrial Insurance: It covers fire insurance, machinery breakdown policy, etc.

Liability Insurance: It includes policies like public liability policy, professional indemnity policy, employer’s liability policy, etc.

Social Insurance: It is offering insurance plans like rural insurance, student safety insurance, etc. New India Assurance Product Portfolio

New India Assurance Health Insurance:

Life is uncertain! One day you are healthy and enjoying a party, and the next morning you find yourself in a hospital. Scary thought, isn’t it? The best way to manage such uncertainties is to have a health plan that will ensure that there is no financial distress. It will also guarantee that you don’t compromise on your treatment just because of financial issues.

New India Assurance Family Floater Mediclaim Policy:

The Family Floater Mediclaim Policy has been designed to cover all the family members with one sum insured. It can be issued to persons between the ages of 18 and 60 years, and cover the insured, his or her spouse and up to 2 dependent children. The policy covers pre-, post- and in-hospitalisation expenses. It also covers day-care treatment and ambulance charges. Ayurvedic, homoeopathic and Unani system of medicine are covered to the extent of 25% of sum insured provided the treatment is taken in registered hospitals.

New India Assurance Janata Mediclaim Policy:

Janata Mediclaim Policy is available to persons between the ages of 18 and 60 years. Children between the age of 3 months and 18 years can be covered provided the parents are covered simultaneously. Persons beyond the age of 60 years can continue their insurance provided they are insured under the New India Assurance mediclaim policy.

New India Assurance Senior Citizen Mediclaim Policy:

The Senior Citizen Mediclaim Policy is available to all senior citizen residents in India, aged between 60 and 80 years. If the New Inndia Assurance policy renewal is done without a break, then the New India Assurance cover can continue up to the age of 90 years. Proposers must undergo prescribed pre-acceptance health checks at own cost to identify pre-existing diseases. The health check is waived off if the proposer is already has mediclaim insurance in continuity with New India Assurance Company.

New India Assurance Top Up Mediclaim:

This New India Assurance policy covers in-patient hospitalisation expenses that are incurred within India. Individuals between the ages of 18 to 65 years can get themselves insured as the proposer under the policy while other members can be between 3 months and 65 years.

New India Asha Kiran Policy:

This New India Assurance policy is meant for parents who only have girls as children. The proposer has to be between the ages of 18 years to 65 years and the girl child can be covered from 3 months up to 25 years. It covers against unforeseen hospitalization expenses and also provides an accident cover to the proposer and his or her spouse.

New India Group Mediclaim Policy:

As the name suggests, this New India Assurance policy offers mediclaim services for the entire group and are targeted at corporations, businesses, enterprises, etc. that need to buy a policy for their entire group of employees or selected individuals

New India Assurance Car Insurance Plans: New India Assurance plans provide you with a comprehensive motor policy that lets you take care of yourself and your car in case of an accident.

Motor Policy:

The motor policy from New India Assurance offers two types of plans – a comprehensive cover that includes third party liability as well as damages to the vehicle and the occupants, and a liability only policy that only insures against third party liability. The plan can be used to cover cars, two wheelers, vehicles in showrooms and garages as well as all types commercial vehicles

New India Assurance Travel Insurance: Whether it is a flight delay, baggage loss or a medical emergency when you are travelling abroad, New India Assurance travel plan takes care of everything.

Overseas Mediclaim Policy:

The Overseas Mediclaim Policy is available for frequent corporate travellers for international travel. Medical expenses incurred by the insured persons outside India as a direct result of bodily injury, sickness or disease contracted are covered under this policy. The premium is payable in Indian Rupees and New India Assurance claims are settled abroad in foreign currency. The policy has to be taken prior to departure from India.

Suhana Safar Policy:

The Suhana Safar Policy is aimed at the domestic travel market. Domestic travellers can avail insurance for short travel durations of up to 60 days within India. The policy covers all modes of transport – rail, road, air and water and cover travel in one’s own vehicle. The policy insures the family consisting of the insured, spouse and dependent children from the risk of personal accident, and loss or damage to baggage, among others. The cover starts from the declared place of departure and terminates on the scheduled date of return or the actual date of return, whichever occurs earlier.

New India Assurance Home Insurance Plans: New India Assurance Policies help to safeguard your home and give you comprehensive coverage against many perils.

Householder’s Policy:

The Householder’s Policy is specially designed to meet the insurance requirements of a householder. It is a package policy and combines a number of standard policies taken by householders in a single policy. The cover comprises of 10 sections. Discount in premium is offered depending on the number of sections of the policy opted by the proposer.

Griha Suvidha Policy:

The plan is an abridged version of the Householder’s Policy and offers four specific cover options with each option having five sections. The idea is to insure the policyholder on a first loss basis.

New India Assurance Personal Accident Plans: Road accidents are always on the surge owing to bad roads and pathetic driving skills of people around. Having a personal accident plan is a necessity as it covers such emergency situation and takes care of financial distress.

Rasta Apatti Kavach (Road Safety Insurance):

The Rasta Apatti Kavach (Road Safety Insurance) policy designed to cater to the specific needs of an individual to cover motor vehicle accidents on road that lead to hospitalisation for treatment. The policy also has a provision for compensation for death and permanent disability. The policy is issued on an annual basis and sum insured available is Rs. 25000/50000/75000/100000.

New India Assurance Other Personal Insurance Policies In addition to the above policies, the company also offers various types of additional specific covers for the individual.

Money Insurance TV/VCR/VCP Insurance Mobile/Cellular Phone Insurance New India Assurance Commercial Insurance New India Assurance Company offers a range of custom policies for commercial enterprises.

Jewellers Block Policy

Bankers Indemnity Policy

Shopkeeper's Policy

Marine Cargo Policy

Plate Glass Insurance

Special Contingency Policy

Neon Sign Insurance

Multi Peril Policy for L.P.G. Dealers

Fidelity Guarantee Insurance Policy

Marine Hull Policy

Aviation Insurance

New India Assurance Industrial Insurance

New India Assurance Company offers various insurance policies for industrial units.

Fire Policy

Burglary Policy

Machinery Breakdown Policy

Electronics Equipment Policy

Consequential Loss Policy

Contractors All Risk Policy

Marine cum Erection / Storage cum Erection Policy

Advanced Loss of Profit / Delay in Startup Policy

Contractor Plant and Machinery Policy

Mega Package Policies

New India Assurance Liability Insurance

New India Assurance Company also offers liability insurance to insure against specific liabilities that may arise in the course of business.

Public Liability Policy

Products Liability Policy

Professional Indemnity Policy

Directors and Officers Liability Policy

Lift (Third Party) Insurance

Employers' Liability Policy

Carrier's Liability Insurance

Liability Insurance Act Policy

Golfers Indemnity Insurance

New India Assurance Social Insurance

The social insurance policies from New India Assurance are meant to provide adequate insurance cover for the economically weaker sections of the society and for specific social causes.

Universal Health Insurance Scheme for APL families

Jan Arogya Bima Policy

Janata Personal Accident Insurance

Student Safety Insurance

Ashrya Bima Yojana

Rural Insurance

Pradhan Mantri Suraksha Bima Yojna

Swavlamban

It is advisable to compare all New India Assurance General insurance plans with plans from other general insurance companies in India to choose the best insurance plan that suits you the most.

New India Assurance Distribution Network:

New India Assurance is present in more than 20 countries and has a large distribution network of 1000+ branches even in India. It has a huge network of 1068 offices that comprise 26 regional offices, 393 divisional offices and 648 branches.

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IFFCO Tokio General Insurance

IFFCO Tokio General Insurance Company Overview

IFFCO Tokio General Insurance Company Limited was formed in 2000 with a vision of being a pioneer in building customer satisfaction through transparency and quick response. It came into existence after the joint venture between Indian Farmers Fertilizer Co-operative (IFFCO) and Tokio Marine, and Nichido Fire Group (which is recognized as a largest listed insurance group in Japan) was formed. IFFCO Tokio General Insurance enjoys pan India presence with 65 strategic business units (SBU’s) and a vast network of more than 120 ‘Lateral Spread Centres’ (LSC’s) and 255 Bima Kendras.

At present, IFFCO Tokio general insurance offers a diversified range of customized plans covering a vast range of clients’- from farmers to automobile companies. It has devised plans to fulfil requirements of both retail and corporate customers who need customisation in product to suit their varying needs. Other than traditional insurance products, the company has also launched niche products like fine arts insurance, errors & omission policy, credit insurance, etc. Furthermore, these products are supported by a network of branches and agencies and thus, facilitate quick and convenient services.

IFFCO Tokio is the only insurance company in India to launch 100%-owned distribution channel, called IFFCO-Tokio Insurance Services Ltd (ITIS), for servicing its retail customers. Currently, ITIS boasts of a presence in more than 350 towns in India.

IFFCO Tokio General Insurance Product Portfolio

IFFCO Tokio Health Insurance Plans:

IFFCO Tokio health plans help to protect your family against financial emergencies caused by sudden critical illness or hospitalisation. It promises to take care of all your financial distress during a medical emergency. Good coverage, competitive premium and exemplary service are what distinguishes IFFCO Tokio health plans from other insurers.

IFFCO Tokio Individual Medishield Policy:

The Individual Medishield Policy provides cash-free hospitalisation in more than 3000 hospitals across India in case of illness or an accident resulting in hospitalisation. The policy also reimburses expenses incurred during pre and post hospitalisation stages of the treatment.

IFFCO Tokio Critical Illness Insurance:

IFFCO Tokio General Insurance’s Critical Illness Insurance policy provides the right kind of cover against critical illnesses at an affordable price. By paying a fraction of the normal premium for a full-fledged medical cover, complete protection is offered in times of need.

Swasthya Kavach Policy:

The Health Protector Policy provides health protection cover for the insured and his/her family and covers illnesses, and injuries and related hospitalisation costs and medical expenses. It serves as a family health policy as well as a mediclaim cover.

IFFCO Tokio Health Protector Policy:

This IFFCO Tokio General Insurance policy offers health protection cover for the insured and his/her family. It covers hospitalisation, specialist fees, medical services costs, and even hospitalisation expenses for traditional medical practices such as Ayurveda, Homeopathy, Unani and/or Sidha.

IFFCO Tokio Family Health Protector Policy:

The Family Health Protector plan is a comprehensive cover and pure benefit policy that offers lump-sum benefits. The cover allows you to include a larger number of relatives such as siblings, brother- or sister-in-laws, and nephews or nieces who are dependent on you as well as your spouse and children.

IFFCO Tokio Health Protector Plus Policy:

This IFFCO Tokio General Insurance plan acts as an additional cover over and above the deductible amount, covering hospitalization expenses if the insured person contracts a disease or is injured in an accident.

IFFCO Tokio Car Insurance Plans: IFFCO Tokio General Insurance Company's policies are a life-saver when your car takes a hit on the roads. The add-on riders offered by IFFCO Tokio plans come in handy in times of distress.

IFFCO Tokio Car Insurance Policy:

The comprehensive car insurance plan takes care of expenses from man-made or natural events that may lead to damages to the car, the occupants or third parties.

IFFCO TOKIO’s 24 X 7 On-Road Assistance:

This is an additional benefit, only available for online buyers of the private car comprehensive policy, for round-the-clock emergency assistance services in case of vehicle immobilisation at home, work or during travel.

IFFCO Tokio Value Auto Coverage:

Offers 12 benefit options from which the insured can choose additional covers required by him or her. The extra cover is available at a very small cost to holders of the motor package policy.

IFFCO Tokio Two Wheeler Insurance: IFFCO Tokio two wheeler insurance enables you to enjoy your two wheeler ride as you zip across the bustling streets. It reduces your financial liability incurred in case of an accident or theft.

IFFCO Tokio Travel Insurance Plans: IFFCO Tokio travel insurance plans give you the benefit of travelling with confidence either abroad or within India, thereby ensuring you a complete hassle free travel with peace of mind.

Travel Insurance Policy Online:

IFFCO Tokio offers travel insurance policies for international travellers covering financial risks arising due to accidents, medical expenses, repatriation, loss or delay of checked baggage, loss of passport, cancellation of flights, etc.

Pravasi Bhartiya Bima Yojna:

The Ministry of External Affairs has made it compulsory for all Indian emigrants going abroad for employment purposes to take Pravasi Bhartiya Bima Yojna insurance to protect from risks of working abroad.

IFFCO Tokio Home Insurance Plans: IFFCO Tokio General Insurance Company's Plans help to safeguard your home and its contents in case of an ill-fated event such as natural calamities and man-made disasters.

IFFCO Tokio Home And Family Protector Insurance Policy:

Home and Family Protector Policy provides comprehensive protection in one policy to the insured, his/her family members and domestic employees, covering household assets, interests and liabilities.

IFFCO Tokio Home Suvidha Policy:

The Home Suvidha policy provides protection to the home against a wide range of risks. Depending on suitability and the extent of the risk, one can opt from many sum insured categories.

IFFCO Tokio Personal Accident Insurance Plan: Personal accident cover is highly recommended to all persons. IFFCO Tokio personal accident insurance gives wide-ranging benefits to the insured, which also prove to be beneficial for the family. Apart from medical treatment expenses, it also bears the education expenses of your children and spouse. It secures your family a future that you always desired to give your loved ones.

Individual Accidental Insurance Policy:

The personal accidental insurance policy provides complete protection to the insured person against all accidents that may lead to death or bodily injury. Benefits include education benefit, employment benefit, ambulance benefit and cumulative benefit.

Other Insurance provided by IFFCO tokio General Insurance Company IFFCO Tokio General Insurance Company offers various other policies for trade and businesses. These policies help firms and traders to cover against any loss that they may suffer in the course of business due to unforeseen events, whether man-made or natural

Trade Protector Policy Trade Suvidha Policy It is advisable to compare all IFFCO Tokio General insurance plans with plans from other General insurance companies in India to choose the best insurance plan that suits you the most.

IFFCO Tokio General Insurance Company Distribution Network:

IFFCO Tokio General Insurance Company has a pan India presence with 65 ‘Strategic Business Units’ and a wide network of over 120 Lateral Spread Centres and 255 Bima Kendras. IFFCO Tokio issues instant policy and renewals through its website for retail insurance products such as Car Insurance, Two Wheeler Insurance, Travel Insurance, Health Insurance and Home Insurance.

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