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Finance Forum India

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Top 5 Reasons for Life Insurance Claim Rejection

Life cover and health insurance plans are important for the financial security of yourself and your family. Several insurers offer different types of life policies to encourage individuals to avail of such coverage. While selecting the insurer you must consider is the claim settlement ratio. A higher claim settlement ratio is preferred because you are assured of receiving the benefits under the chosen insurance plan. Several insurers use their quick, transparent, and efficient system of settling claims as a marketing strategy. However, you must understand that irrespective of how transparent and efficient the system is, there is always a possibility of...
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Individual Mediclaim or Family Floater: Which to Choose?

Health insurance is the need of the hour today. The addition of health insurance cost is a must in your annual financial budget. It provides the assurance of payment of your medical expenses whenever in need, so that you’ve one less thing to worry about. Also, there has been a tremendous rise in the cost of healthcare over the years, so if you don’t want to burn a hole in your pocket better opt for a health insurance policy. While opting for a health insurance policy or Mediclaim, families are often muddled about which one to opt for, whether an individual...
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Basic Factors to Consider Before Opting for Health Insurance in 2016

Mr. Verma was contemplating availing a health policy to protect himself and his family in case of any emergency. Despite his sincere efforts to find the best option and compare policies he only found himself more confused with the various features. Mr. Verma isn’t alone in his confusion. Thousands of consumers struggle to understand the basics of health insurance, and many land up buying plans that don’t really meet their needs. To help people like Mr. Verma and others make a better-informed choice, here are some factors to consider:   Cashless Medical Claim: Before you decide to buy this kind of...
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Insurance Portability - Don’t Overlook This Important Benefit Available to Policy Holders

Health insurance portability refers to the facility introduced by the IRDA in 2011 that allows policyholders to switch from one health insurance company to another without loss of accrued benefits. It is a popular misconception that a health insurance policy offers protection from all diseases from the first day of coverage. Most insurance companies impose a mandatory waiting period for pre-existing diseases and conditions. Further, there are time-bound exclusions applicable to certain other conditions. For e.g., most policies in India don't reimburse maternity benefits unless renewed for 36 continuous months.   Why the IRDA Introduced Portability?  Prior to introduction of portability, an...
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