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Finance Forum India

Share your thoughts on finance education, economic developments, capital markets movements or your professional experience in the field of finance.

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Do’s and Don’ts while Filing Health Insurance Claim

Health Insurance offers an umbrella against unforeseen medical expenses when an illness strikes, incapacitating the individual and affecting his income. If taken well in advance, it can meet the medical treatment costs and spare financial trouble for the family. However, to claim the benefits, the beneficiary must file a medical insurance claim that is the formal intimation of the illness to the insurer. Once a claim is filed, the insurer must notify the beneficiary within a certain time-frame that his/her claim has been accepted or rejected. Though there are some health insurance companies which settles down insurance claims within 30 days from...
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How Difficult Is It To Obtain A Small Business Loan In India?

Today, Small and Medium Enterprises (SMEs) make a very important contribution to the nation's economy with around 40% of India's domestic production. Obtaining a small business loan to set a new business venture is not an easy task. It requires a great deal of preparation. Besides, one also needs to obtain capital to fund their dreams, which can be fulfilled by applying for a small business loan in India. No matter what type of business loan you choose, you need to have everything in place for your loan to be approved before you even file the application. Some of the major...
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What is a Life Insurance Quote?

A life insurance quote is the estimated cost of a life insurance policy based on information supplied by an applicant to an insurance company. In order to obtain a life insurance quote, the applicant must provide proper age, gender and mention whether they consume tobacco or have a medical history. The risk class calculated by actuaries in life insurance companies is considered very important while calculating a life insurance quote. Medical history of the applicant as well as the family is also commonly considered in combination with these aspects while processing a life insurance quote. As a standard procedure, any life...
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Here’s Why It’s Better to Buy Insurance Policies Online

More than ever Indians are taking their lives to the cyber space. Be it socialising, shopping or banking –the past and the present belong to the worldwide web. With disposable incomes, increasing global aspirations, idiosyncratic lifestyles and broadening of internet penetration in the country, people want the world on their plate at the click of a button. And rightly so, after-all this is the need of our optic fiber induced fast-forwarded, wi-fi dependent lives. We want everything from the comfort of our home. According to a survey quoted by a leading financial business daily recently, life insurance was rated as the...
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Why Should You Invest in Vadodara Now?

Vadodara is one of the fastest growing among the Tier II cities. The rental rate increase for residential apartments has been around 5 percent in the past quarter of 2014. If you are looking for a steady and regular monthly earning, this is a very safe option of investment. In terms of capital values, the realty market in Vadodara has been quite stagnant as investors are staying away from purchasing properties right now. However, those looking for end use in the long term and would like to rent out a part of their property; it would be a great situation to...
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How Your Bank Account Can Do More than Just Save Money

In a multi-faceted world, where a simple smartphone can do wonders in terms of talking over the phone, sending messages, and accessing your personal mails, it's unbelievable what the world of finance can achieve.Think again, if you thought your savings account was limited to gaining higher interest rates, then think again, as there are several benefits that one can gain apart from merely saving money in a savings account. We discuss the various ways in which a savings account to trade and save money at the same time. Making the most of your savings account Of all the major benefits that...
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When and How Should One Use Accidental Dealth Benefit (ADB)?

There is no single moment in our lives when we do not think about our loved ones. The thought eventually moves onto securing their future in case of an unfortunate event like an accident occurs. Apart from the emotional burden borne by your loved ones, they will also have to deal with the eventuality of losing a critical earning member in the family. An accident is an untimely event that can occur to anyone. Having a life cover may not be enough, but having an accidental death benefit would certainly take care of all eventualities. Consider an accidental death insurance or adding...
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Getting to Know Mutual Funds, a bit better

What’s the next plan with your disposable income? When you have decided to let your money work for you, there are several options that you can consider to build your corpus of funds. Envisioning a future with accumulated and regular income can be realized with the right amount of diversity in investments. While investing in insurance, pension funds and fixed deposits is ideal, one should consider opting for mutual funds in India that have a good mix of debentures or govt. bonds and direct equity products. Investing in mutual funds – Know the basics, first! A mutual fund contains a mix...
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4 reasons to have a 3-in-1 Online banking account

Of all the gadgets within one’s possession, arguably, the mobile phone has become the most important gadget. From browsing the internet, to conducting important video conferences via the mobile phone, these days having the internet as a standard requirement is no news. With that in mind, the retail world has virtually profited leaps and bounds, particularly the retail gadgets, apparel and furniture industry. Yet, the banking world is not far behind. Ensuring that whoever hits online has a share of the online convenience, many offer attractive schemes and interest rates on online banking facilities. So, how does one differentiate one bank...
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Plan Now to Make Your Child’s Future Bright

In our country, parents go great lengths to provide better future to their children. Not just their daily needs but parents try and make all the wishes of their children come true and strive to make the future better for their little ones. If you’re a young parent, it is imperative for you to start thinking about your child’s future today. The sooner one starts planning for their children’s future, the better it is and more convenient it will be later. Be it higher education or marriage, parents want nothing but the best for their children. In order to make it...
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