Can some one point me to have a look at the features of LIC Health plus policy?
Answers: Please visit the following links to know the features and benefits of the LIC's Health Plus policy
http://www.licindia.com/health_plus_feat...
http://www.licindia.com/health_plus_illu...
good luck
pnkmurthy(a)yahoo.com
http://www.geocities.com/pnkmurthy/lic.h...
The features of ‘Health Plus’ include freedom to withdraw from the fund value an amount equivalent to the actual expenses an insured person has incurred in respect of any domiciliary medical treatment for himself or other members of the family, health coverage for the entire family (husband, wife and children), and hospital cash benefit to meet hospitalisation expenses.
“Health Plus policy is unique in its kind providing health benefits to entire family (husband, wife and children) in one policy and provides daily hospital cash benefit, ICU expenses, major surgical benefit and domiciliary treatment benefit”
A person paying Rs15,000 yearly premium for his family can claim tax benefits under section 80d and can avail major surgical benefits of Rs500,000 per member along with hospital cash benefit of maximum of Rs2,500 per day.
During the term of policy, this benefit shall be available for 365 days for each member. Domiciliary treatment benefit can be availed twice a year.
The policy also provides easy withdrawal of funds after three years. Nagpur division has set target of selling two lakh policies during the next two months.
HI
I am Rajalakshmi Ganesan from Chennai,INDIA.
I am an insurance/fin advisor in LIC of India.
My email id is: ganraj2006(a)zapak.com.
May I suggest that U to invest in the latest HEALTH+ scheme of LIC which gives U total PEACE OF MIND regarding HEALTH INSURANCE,SECURITY & completely TAXFREE returns(U/s 80C,80D &10D).
‘Health Plus’ From LIC of INDIA-where HEALTH MEETS WEALTH- gives U the freedom to withdraw from the fund value an amount equivalent to the actual expenses U have incurred in respect of any domiciliary medical treatment (domiciliary treatment benefit-DCB) for himself or other members of the family,health coverage for the entire family (husband, wife and children), and hospital cash benefit(HCB) to meet hospitalisation expenses.
“Health Plus policy is unique in its kind providing health
benefits to entire family (husband, wife and children) in
one policy and provides daily hospital cash benefit,
ICU expenses, major surgical benefit and domiciliary
treatment benefit”
A person paying Rs15,000 yearly premium for his family
can claim tax benefits under section 80d and can avail
major surgical benefits of Rs500,000 per member along
with hospital cash benefit of maximum of Rs2,500 per day.
During the term of policy, this benefit shall be available
for 365 days for each member. Domiciliary treatment benefit
can be availed twice a year.
The policy also provides easy withdrawal of funds after
three years.
U can visit my site/group :
http://in.groups.yahoo.com/group/india_i...
for more details about me.
Also feel free to ask me for other details If U are interested.
I shall send U the necessary forms which U can fill &
send to me along with Ur cheque.
Thanx
Life Insurance?
This is kind of a morbid put somebody through the mill to ask, but just wondering if in attendance are any life insurances that pay packet out incase of death by surgery. I'm have a big surgery, I don’t have abundantly and incase something happens I’d close to to leave my own flesh and blood with something to pilfer care of doesn`t matter what may come up after.Answers: Any form of death pays a benefit. There are some execeptions resembling suicide is typically not covered if it happens next to two years of purchasing your policy. Buying an insurance policy and then have your family manufacture a claim two days later might bring to the fore some eyebrows so it would be best to mention this to the insurance agent. But for the most part, this is exactly what duration insurance is for.
Good luck with surgery.
Yep, pick up the washed out pages and sympathetic it to "insurance" and call any one of those folks, they will be joyful to sell you an over-priced policy. Just brand sure you can cancel it beside no penalty / cost when you survive after adjectives.
Good luck, youll be fine.
Scott
Life insurance pays out regardless of the reason, unless it is a specific baggage type of policy, like unplanned death or a cancer policy. So, any common term insurance shoudl cover you. However, one of the question that is usuallu asked is whether or not you are contemplating surgery. That may maintain you form qualifying for anything, depending on the type of surgery.
Good luck
Most will, as long as the policy have been surrounded by force two years, or you've told them about the upcoming surgery (in which valise, they won't take you).
It's too unpunctually to buy a policy now to cover you.
This is something to ask your energy insurance agent. If you don't have one, contact your family's enthusiasm insurance agent and as.
When applying for life insurance, craft sure you advise them of your situation, and go and get it in writing if they agree to cover you for demise due to this surgery.
Make sure to review all exclusions to your time insurance policy before choosing your energy insurance plan.
If you want, you can compare free life insurance quotes from top-rated insurance companies online at https://www.efinancial.com/smartquoteefc... You saturate out one form and they give you up to 12 Instant Quotes for possession life insurance from top-rated insurers.
They hold a 1-800 number you can call to ask nearly your situation and advice going on for how to handle getting your duration insurance coverage.
Unless you are worth more when you die due to surgery, don't worry in the region of the availability of this plan. Most people are worth like peas in a pod amount regardless of the cause of disappearance, but you might be different. With a surgical procedure programmed, most companies will not cover you until you have recovered (at least).
Just come to peace nearly it and talk beside those that you care roughly speaking. You may wan to review your legal documents. Tell them that you own made plans because you care almost them, but in the frontage of an immediate risk, you don't perceive your plans are adequate. Trust me, they'll appreciate it.
Insurance companies won't set aside you coverage when you're about to own surgery. As a practical matter, they are for-profit companies and can choose who they will, or will not, extend coverage to based on the statistical possibility of death of that party.
People who think they are something like to die are very probable to want life insurance. They believe they may not live greatly long and want to leave a bucket of money astern if they die.
Unfortunately for them, the insurance company believes they may not be around very long any, and recognizes that they are trying to capture insurance specifically because they feel in attendance is a very dignified likelihood of extermination.
This situation, where a personage who believes he or she may die soon actively seeking out life insurance, is call "Adverse Selection."
There are many reason why an insurance company will simply decline to offer coverage because it's adjectives you're asking just because you chew over you're going to die.
Imminent surgery is one. Having just be diagnosed wtih a severe illness resembling cancer or AIDS is another.
Think of it this way:
Life insurance is a form of having a bet. The insurance company is betting its insured persons will live long satisfactory that the premiums collected will outpace the death benedits compensated. The insured persons are betting they'll die until that time they pay more surrounded by premium than their beneficiaries would receive.
From your own perspective, if I said to you, "I'd like to pay cheque you an annual fee of $1,000 surrounded by exchange for your agreement to pay my domestic $1,000,000 dollars if I die - and by the way, I'm have MAJOR surgery next week" would YOU put together that deal? Probably not. And neither will any insurance company I'm aware of but one.
Lloyd's of London will pretty much insure anything beneath any circumstance - IF you're willing to remuneration obscene prices for it. You might even be able to receive life insurance in the past major surgery from them. But if you want $100,000 of go insurance it might cost you $100,000 to get it, making it a useless product.
Insurance claim Depreciation %?
In CA. what is the depreciation % on clothes & shoes 1 yr and older that be a total loss by a residential fire?Answers: It also depends on what the item is. A bra and panties is going to depreciate a lot faster than a leather coat.
The actual change value is what you could hold sold that item for just prior to the loss.
Although nearby is no hard and rapid rules. I would say to subtract 20% per year of age of the item. I believe 5 years would be a pretty good go span for a pair of jeans. Of course, you probably will win less than 5 years out of the undies!
You call for to check your policy, if you have replacement cost for the personal property coverage than they don't include depreciation. You can punch-up for replacement cost but if the policy states that personal property is covered ACV, than your getting Actual cash merit which includes depreciation.
Have your agent go over your policy beside you. I've known instances where on earth the policy was replacement but they tried to furnish ACV