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Finance Forum India

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How Does Top-Up Insurance Work in Medical Insurance Policies?

A health insurance policy is the need of the hour. With rising medical inflation, the cost of being treated at a hospital may burn a huge hole in your pocket. In order to shield yourself against financial burden during medical contingencies, you may invest in a mediclaim policy. By doing so, you may enjoy financial security and have peace of mind knowing that you and your family are secured at all times. Most health insurers provide the option of riders. Such riders, also known as add-ons or top-ups, enhance the coverage of your policy. You may, therefore, enjoy additional benefits by...
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Why You Should Gift Your Family A Health Insurance Plan?

Rising stress due to the fast-paced life has increased the incidences of chronic diseases like heart problems, hypertension, and diabetes. In addition, accidental death or serious injuries where you are unable to work may result in financial distress. Securing your financial future with a health insurance policy is advisable. This type of coverage is beneficial as it will pay your treatment costs, hospitalization expenses, and much more. Here are five reasons why you must gift your family members a health plan this Diwali. 1.   Health insurance pays for hospitalization Rising healthcare costs may significantly impact your finances. If you or your...
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Best Investment Plans For Salaried Individuals

Young individuals in their early 20s generally do not consider financial planning as one of their most important priorities. However, the biggest advantage of investing early is to enjoy the benefits of compounding. This means you earn returns on the capital as well as the profits, which enables higher wealth creation. Several youngsters are confused between investments, insurance, mediclaim policy and savings. Investing includes purchasing financial products that offer future returns. On the other hand, savings refer to retaining a certain amount of money in avenues like a bank account. When you save money, you do not expect to make as...
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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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Mediclaim: Your Immediate Life-saver

Has the sky ever fallen on you under the guise of medical bills? If high medical bills have managed to burn a reasonable hole in your pocket, then it would be advisable to save a certain portion of your regular income towards mediclaim or health insurance. The thought of spending the entire savings on a medical bill can be daunting for an average middle income person. In the eventuality of unforeseen medical bills and rising inflationary trends, they can land on us like a ton of bricks leaving us in precarious financial state of affairs. A timely investment in the form...
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