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It hardly needs to be mentioned that healthcare costs are at an all-time high in today’s times. As we age, the rise in the healthcare costs often turns out to be burdensome, especially in the post-retirement years. Senior citizens fret about spending each penny, as they have to shell out money from their hard-earned savings in order to cater to medical expenses. In such a scenario, health insurance can come to their rescue. However, senior citizens mostly find it difficult to select a...
Finding the best health insurance for you and your loved ones has become easier than ever, thanks to health insurance portability. This scheme allows consumers to transfer their existing health insurance plan from their current insurance provider to another provider. Portability furthers competition and ensures customers have access to better health insurance plans. If you are interested in opting for health insurance portability, you can do so. However, it is also important that you...
Mr.Karthik is a 33 year old IT professional. He had bought a health insurance plan for Rs.3 lakh when his son was born 3 years back. Plan extends coverage for all three of them-himself, wife and his only son. Suddenly, he met with an accident and got admitted to the hospital. His medical bill shot up to 5 lakh. He had to bear the expenses out of his pocket as he had no sufficient health cover. Like Karthik, there are many people who forget to consider reviewing their health insurance needs...
While enjoying the merits of mobile applications in many aspects of our lives, healthcare is limping. We still run into the same tiresome and inconvenient red tape that could be eliminated with the help of mobile solutions. Healthcare is seeking to make technology work, as evidenced by the many fitness and healthcare apps out there, but still, the overall healthcare market is rather awkward when it comes to optimizing work with technology. Let’s find out how health insurance apps can...
Most people think of buying health insurance policies later in life. This concept is totally wrong. The more delay you make in buying health plans, the less advantages you have access to. You can get covered with a much lower premium if you take health cover earlier in life. Here are some considerable reasons why you should buy health insurance before you turn 30. Always Be Prepared For Emergencies: Buying a mediclaim policy early can help you ease your financial problems. With the best...
Multichoice Insurance Services (MCIS) is one of the largest Visitor Insurance broker in the United States providing quality protection for hundreds of individuals, families and businesses worldwide. Providing superior customer service and lowest premium along with our ability to understand our customer’s coverage needs drives the success of our agency.By offering world class plans for Visitor Insurance (also known as Travel Medical Insurance), Medical, Health and Life Insurance, we make...
Amongst the various mind-boggling questions that life throws at us, viz; how do I secure my family? How do I find my child’s education? Should I buy a Life Insurance cover? The question of ‘How is a Term insurance premium calculated reigns supreme. Read one to go through the nitty-gritties of a term insurance premium and how it is calculated.   The purpose of buying life insurance is to provide life cover to the policyholder and a financial security to his family. Where term...
Health insurance, much like a comprehensive term insurance plan, is one of the most important coverages that you must have. However, not many opt to purchase a health insurance plan for self and family due to various factors. One of the most prominent reasons for avoiding this purchase is the availability of the employer’s health insurance that most employees consider to be sufficient. It should be noted that buying an optimum health insurance policy is an integral part of financial...
Introduction In the human society, people get involved in different activities. These activities that people get involved in are for different reasons such as for fun and pleasure, to make a living etc. Among the activities that man is involved in is travelling. Travelling involves moving from a place for different reasons. People love to travel as they would get to see a new environment, experience new culture and way of life etc. By travelling, one can get to learn new things and...
Term insurance is designed to pay out benefits if you pass away during the policy term. Unlike whole life insurance policy, it does not grow cash value, so it is crucial to adjust the terms of the policy based on your life needs and dependents at the time. You may choose to opt for higher coverage earlier in life when your expenses are higher. Later on, you may decide to decrease the term insurance coverage as your expenses drop throughout the years. Can I reduce coverage of my policy? There...
Without exception, every parent out there would agree that the joy of having a child is unmatched! And to want nothing but the best for your little one comes naturally to you. Out of all their other needs, In today’s day and age, ensuring best education would be on the top of your list. Good education will not only secure their future, but also go a long way in shaping their characters and making them responsible and civilised citizens who are an asset to the society. Most parents would...
 As we move ahead in our lives, our responsibilities grow and we start to realize how essential it is to plan for the future. We start to look beyond our own needs and requirements and start to think about those of our loved ones. Investing in term plans is one of the best ways to provide your family members with a security blanket, something that would cater to their needs even if you aren’t there with them.   Nobody wants their family to struggle to make their ends meet,...
Health insurance is also called medical insurance that covers the cost of an individual's medical and surgical expenses. The individual pays a fixed sum (premium), every year for the health cover. Depending on the type of health insurance coverage, either the insured pays costs out-of-pocket and is then reimbursed, or the insurer makes payments directly to the provider. In health insurance terminology, the "provider" is a clinic, hospital, doctor, laboratory, health care practitioner, or...
LIC is an Indian renowned insurance company. It was incorporated in the year 1956. Since its launch, it has been offering several insurance policies to its clients. LIC Jeevan Saral plan and LIC New Jeevan Anand are two of them. These are the two famous plans, which are designed to provide financial protection to a nominee against the death of the policyholder and efficient plans for saving. In an event of policyholder death, both plans give maturity sum assured to the nominee. Both plans have...
 Professional liability insurance (PLI)(commonly known as errors & omissions (E&O) in the US) is a type of liability insurance that helps protect service-providing and professional advice-individuals and companies from encuring the full cost of defending against a negligence claim made by a customer and damages incurred in such a civil lawsuit. The coverage is founded on financial loss caused by and an omission or error in the product or service sold by the policy holder. These are...
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