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Recently answer queries on Health Plans from Life Insurance Company

what is the difference between 'Hospital Care' plan of ICICI Prudential & plans of other companies especially LIC,General insurance

A health plan can be offered by both a life insurance company and a general insurance company. A health plan offered by a General Insurance company is called mediclaim as it covers the expenses that has been spent on a hospitalization or any other related stuff.

However, a Life Insurance Company can... Read More>>

Asked By: mmm
On: 24th Jan 2012
Answered Within: 21 Hours

I would like to know whether there is any policy where i can get insure for hospitalisation as well as accident and if nothing wrong happens to me then will i get my money back. I mean insurance as well good returns on my savings.

If you are looking for a Health Insurance Plan with hospitalization coverage as well as Return of Money in case nothing happens to you, we can suggest IndiaFirst Money Back Health Insurance Plan to you.

In this plan, you get the dual benefit of investment along with health insurance coverage. And the... Read More>>

Asked By: sonali
On: 7th Jan 2012
Answered Within: 17 Hours

Hi, Is there any insurance which gives us Life insurance & health insurance in one policy.

The answer to your needs would be IndiaFirst Money Back Health Insurance Plan. This is a comprehensive unit linked health insurance plan by IndiaFirst Life Insurance Company. This plan covers self, spouse, children as well as parents. Hence this is a Life cum health insurance plan.

In this plan all... Read More>>

Asked By: RAJ KUMAR SAINI
On: 16th Dec 2011
Answered Within: 26 Minutes

It is best to however keep these 2 needs of life insurance and health insurance separate. Life insurance - more specifically term insurance should be used as a protection tool for our family in case of our untimely death. If the earning member of the house dies, then the family faces financial crisis. In a term insurance, the family gets a lump sum amount on the death of the policyholder.

Answered By: Manoj
On: 12/17/2011 10:01:47 AM

Health insurance on the other hand is helpful in times of medical emergency, hospitalisation and accident. Today the cost of health care is very high and it becomes difficult to arrange huge sum of money in a short time. So a comprehensive health insurance (from general insurance companies) also known as mediclaim is very useful.

Answered By: Manoj
On: 12/17/2011 10:04:35 AM

my age is 30 i want best medical plan along with insurance 923xxxxx77

If you are looking for a medical insurance plan along with life cover, you can opt for a health insurance plan offered by any life insurance plan. You would get both the requirements in the same plan.

You could opt for IndiaFirst Money Back Health Plan, which is a 3-in-1 plan where you would get... Read More>>

Asked By: praveen
On: 15th Nov 2011
Answered Within: 1 Days

Can we change health insurance co.and unit linked insurance to non unit linked insurance

If you have purchased a health plan from a Life Insurance Company then the norm of health insurance portability does not apply. It applies only to health plans from General Insurance Companies only. Hence Unit Linked Health Insurance Plans from Life Insurance Companies cannot be moved.

However, if... Read More>>

Asked By: Wilson
On: 19th Jan 2012
Answered Within: 72 Days

What is the difference between health policies sold by a health insurance company (like - National, Apollo Munich, Max Bupa) and the health policies sold by life insurance companies (like - Max New York, ICICI Prudential etc) Regards Sahni gaxxxxxxxxxx83@hotmail.com

Health Insurance policies from a Life Insurance Company usually has life coverage also along with health coverage but health insurance policies from a Health Insurance Company are pure health products.

You must choose a plan which best suits your needs irrespective of the fact whether it has been... Read More>>

Asked By: Sahni
On: 1st Nov 2011
Answered Within: 1 Days

Hi I think that there is no free look period for Health Insurance Policy offered by Health Insurance Company. Rather the Health Insurance policies offered by Life Insurance Companies have a free look period... What you say ?

Answered By: Sahni
On: 11/1/2011 10:43:06 PM

Absolutely correct. But that should not be a reason to choose a plan, because if you would like to purchase a plan, you should do your research about the plan before you purchase it instead of cancelling the same later, because in that case you spend some money which is not paid back like mortality charge for the few days in a life insurance policy, cost of medical tests, etc.

Answered By: Rupanjali
On: 11/4/2011 10:50:30 AM

I had taken one Family Floater Health Insurance from ICICI Prudential called Hospital Care II last year. I want to know how is it (Hospital Care II) and should i continue this one or go for others?

ICICI Prudential is a life insurance company and their Hospital Care II is a fixed benefit hospitalisation and surgical plan that offers fixed payouts at various stages of hospitalisation. You can claim the benefit from this plan in addition to the benefit received from other medical insurance plans... Read More>>

Asked By: ramacsethi
On: 5th Oct 2011
Answered Within: 4 Hours

experts reviews on Triple Health Insurance Plan launched by Bharti AXA Life

Please click on the link provided below to read a complete review of the Triple Health Insurance plan launched by Bharti Axa Life Insurance Company

Asked By: Bhaskar Ganji
On: 4th Oct 2011
Answered Within: 3 Hours

I bought ICICI Prudential Health Saver Medical Policy in Jan. 2011 for my mother. The premium paid was Rs 15000/annum. I came to know i have to pay premium for the first seven years and i will get claim for 75 years . Also in case of claimant death i will the refunable premium amount of highest NAV...

ICICI Prudential Health Saver Insurance Plan has the benefits of a Health Insurance Plan along with the benefits of market linked ULIP Plans. This plan provides guaranteed coverage up to age 75 for you and your family against medical expenses incurred due to hospitalisation. There is coverage... Read More>>

Asked By: Naman Jain
On: 16th Sep 2011
Answered Within: 7 Hours

Thank you very much for reply. One more question i would like to know about this policy is that now i do not want to continue this policy further. Would i able to get my refund of premium which i paid in Jan. 2011(my first premium, i didn't get any claim anything till now). Look forward to hear from you

Answered By: Naman Jain
On: 9/18/2011 4:10:35 PM

If premium is not paid for the first three policy years and if the policy is not revived within the period of two years from the due date of the first unpaid premium, then the policy will be terminated. In this plan, there is no Surrender Benefit and hence you you would not be able to surrender your plan

Answered By: Rupanjali
On: 9/18/2011 4:28:03 PM

i pay 24,000 annually i need a plan with in 10 years but it is applicBLE FOR LIFE AND HEALTH INSURANCE AND MONEY ALSO back after 10 years. if it has any loan facilicity that is also good

If you are looking for a Life Insurance Plan with the benefits of health insurance plan and money back plan incorporated in the same, then IndiaFirst Money Back Health Insurance Plan is the answer to your needs.

This is a unique combination of health care facilities of a health insurance plan along... Read More>>

Asked By: vamsi
On: 9th Sep 2011
Answered Within: 1 Days

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