Health Insurance Experts Blog

Health Insurance for Senior Citizens

There was a time when old age was associated with wisdom and knowledge. It was not so much about taking care of the old, but treasuring the old. Things are different now. But what hasn’t changed is the physical discomforts and diseases that come with advanced age. According to a study by Merrill Lynch in the US, 75% of adults . . .

Health Insurance premiums - How they rise, as you grow older?

Let’s face it. Most of us are “deal hunters”. We want the maximum “juice” from a product/service in the minimum price. No wonder the big branded stores, in that flashy mall are full with the so called “end-of-season dhamaka sale” OK. Agree, buying a short term product (like clothing, accessories, electronics), in an off-season sale can help you save huge money, . . .

Individual Health Insurance Plan Vs. Family Floater Health Insurance Plan

Introduction Vivek Gupta is a 35 year old individual (married and has a 6 years old daughter). He buys an individual health insurance plan for himself with a sum assured of Rs. 3,00,000 and a separate individual health insurance plan for his wife (Savita) with a sum assured of Rs. 3,00,000. At the same time, his friend Mahesh Verma, aged 35 . . .

Product Review – PNB MetLife Major Illness Premium Back Cover

ABOUT THE INSURER:  PNB MetLife is regarded as one of the fastest growing life insurance companies in India. Previously known as MetLife India Insurance Company Limited, PNB MetLife has been present in India since 2001. PNB MetLife has the combined financial strength of a leading global life insurance provider, MetLife, Inc., and the credibility and reliability of PNB, which is one . . .

How to make Multiple Health Insurance Claims

Introduction: Holding more than one health insurance policy Lot of people these days hold more than one health insurance policy. For those wondering why and how an individual can have multiple health insurance policies, here are some scenarios: a)      Health insurance cover from employer (you may be covered under a group health insurance policy by your own employer and / or spouse’s . . .

Top 10 Health Insurance Plans in India

    Whenever we decide on buying a health insurance policy, the first question that pops up in our mind is ‘Which is the best available health insurance plan?’ We spend a lot of time trying to look for the perfect plan that would fit the bill in terms of our requirement. With an increase in health insurance industry in India, there . . .

Why Your Best Health Insurance policy never works the way you want

When you buy anything, you expect to it to be functional in best possible manner immediately& every time you need it. Well there is nothing wrong in this anticipation as that’s what you purchased it for. But this ‘hope’ does get shaken when it comes to Health Insurance. Every person buying a policy thinks he has got the best health . . .

New India Assurance Mediclaim 2012 Policy – Review

    New India, very recently launched a newer version of its existing mediclaim policy with the name New India Assurance Mediclaim Policy 2012. This was a much awaited revision, as we were curious to know how the largest general insurance player with a turnover of INR 12500 Cr. in the health insurance industry reacts to the rising private sector competition which . . .

Star Cardiac Care ~ Review: Health Insurance for Heart Patients

(Updated on 09-04-2013) With estimated 32 million cardiac patients, India is the world’s capital for Cardiac Ailments. Surveys say that 60% of the Heart patients in the world are expected to be from India by as early as 2016! This is the sad news. Till date if you were a heart patient, it was difficult to get a health insurance policy, . . .

IRDA Health Insurance Regulations and Standardization Guidelines - How do they impact you?

Good news! Thanks to the continuous efforts of social worker and activist Gaurang Damani and the Mumbai High Court,we are finally seeing good changes in Health Insurance. In February, IRDA approved IRDA (Health Insurance) Regulations 2013. Following the regulations, the IRDA issued health insurance standardization guidelines to Insurance Companies and TPAs.  The regulations and the guidelines, straighten many grey areas, bringing . . .

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