close

search for: debt

Debt Consolidation

Bank Card Debt Consolidation Loan

Credits cards are virtually employed for everything online ticket booking to offshore shopping spree. Just fling the credit card and you may buy anything nowadays. Furthermore shocking that so many people are unaware how this card works or what’s behind the credit card usage? The rates of interest or its general operating expenditure is overlooked through the customers who get their offers more for fashion and to demonstrate their established order compared to its real purpose.

It’s past too far prior to the user realizes just how much deep his charge card debt is continuing to grow. What’s the solution, and just how can someone free themself in the charge card financial obligations? Charge card debt consolidation reduction loan may be the only achievable solution for your charge card needs. Charge card debt consolidation reduction Company can help you get free from the charge card financial loans. Especially, if you have several charge card financial obligations, this debt consolidation reduction might end up being a genuine boon.

Charge card consolidation financial loans are for sale to less interest as in comparison towards the high rates of interest billed through the charge card companies. Charge card consolidation can solve your condition of coping with many charge card financial obligations, and also the monthly harassment from the charge card companies. Charge card consolidation is extremely convenient to carry out and you may immediately remove the charge card dues, and consolidate many financial loans into one easily due charge card loan consolidation.

You are able to avail charge card debt consolidation reduction help by getting in touch with the consolidation company. They are able to help consolidate all of the pending charge card financial loans which help you payback all of the financial loans and commit you to definitely just one charge card loan consolidation. First and foremost the rates of interest are low in comparison towards the interest the charge card company bills you. There’s no extra charge or talking to costs involved whenever you obtain a loan consolation. Assistance is at hands so just take advantage from it immediately.

You may also compare the borrowed funds schemes of various companies, that offer charge card debt consolidation reduction financial loans. Online assistance is abundant and merely click on the mouse to locate a consolidator who’ll fit your financial stability. Pending charge card financial obligations is harmful and should be addressed immediately. Stalling within this situation might enable you to get into great financial discomfort that might even scrap you of your savings as well as your monthly salary. Act immediately set yourself free with the charge card debt consolidation reduction loan and live an eternity free of charge card financial obligations.

read more
Debt Consolidation

Free Debt Consolidation Reduction Advice – Debt Help For You Personally

Getting free debt consolidation reduction advice can help you save from falling into personal bankruptcy. Not just that, free debt consolidation reduction advice may also allow you to work toward making your credit score healthy again. If you’re a debtor, you will need some kind of expertise to barter together with your creditors. Debt consolidation reduction help includes settlement in your account in addition to effective financial planning.

Trying To Find debt consolidation reduction

Get free debt consolidation reduction advice to tide over your financial troubles crisis. You will find several choices for you personally if you’re searching for free debt consolidation reduction advice. But when you need assistance apart from advice, you may want to pay some fee. However, you will find many organizations which offer borrowers free debt consolidation reduction advice.

Begin by asking around at the chapel, local youth and voluntary organizations. A number of these institutions have particular cells that provide free debt consolidation reduction advice. These cells can help you locate the very best free debt consolidation reduction service.

An alternative choice is searching online with free streaming debt consolidation reduction advice. The Web provides extensive details about debt consolidation reduction services. Simply sign in and check for businesses offering free debt consolidation reduction advice in your town. Lots of advice might be free, and when you’ll need services you spend for, you are able to search for a totally free non-profit debt consolidation reduction quote.

For those who have taken loan from the lending agency, or are spinning underneath the burden of charge card financial obligations, odds are you will get free debt consolidation reduction advice from all of these companies themselves. Creditors will also be eager that will help you pay back your financial obligations for them, so that you can search for debt consolidation the aid of designated departments.

Government organizations also run cells that provide free debt consolidation reduction advice. Lookup information at finance and business departments to discover much more about places to locate free debt consolidation reduction advice.

How Advice Will Help You

If you’re searching for free debt consolidation reduction advice, odds are you might not have the ability to hire a company to barter using the creditors for you personally. However, don’t allow that to discourage you. Using the expert consultancy supplied by these organizations, there is a confidence to barter together with your borrowers by yourself.

Aside from sorting your immediate problem, free debt consolidation reduction advice may also help you intend your way of life and expenditure in ways that you could avoid future debt problems. But don’t forget, you may want to cut unnecessary expenditure together with all of this.

Additionally, you will be trained how you can pay back your consolidate loan as soon as possible to ensure that your credit score isn’t broken further. Following a couple of several weeks, you can begin taking small steps towards improving your credit rating.

Free debt consolidation reduction advice will help you overcome debt get the existence back in line and repair a bad credit score.

read more
Credit

Debt Consolidation Reduction Benefits Credit

Debt consolidation reduction benefits make reference to the borrowing of cash equal or more than the sum that has been area of the specified amount. It is also called because the combination or to construct of your financial troubles in a single specified place. It is a process including the change in all of your financial obligations right into a new charge card with lower interest. Following the combination, the payment of great interest is gathered within the whole figure thus not one other payment from the interest. This type of mixing of multiple financial obligations makes the payment of reduced interest on charge card debt consolidation reduction.

Debt consolidation reduction nonprofit companies happen to be around but it doesn’t mean they provide free websites however they do assist with debt consolidation reduction programs by settling using the creditors for any having to pay plan which will afford. Most of them happen to be guaranteed to become of free websites only one to note later it had become wrong. For this reason it might be a much better idea for somebody to perform a thorough search total the settlement company. Clients ought to be keen to not fall under traps of unpromising company for just about any good, this need to be celebrated.

Debt consolidation reduction loan could be a bit longer of your time or perhaps be for any couple of years. The majority of consumers have to face getting many substantial charge card financial obligations. The simpler utilisation of the cards makes this possible. This best card makes individuals to locate them being fixed on edge, being cornered on places they never expected, they serve them with themselves working debt they couldn’t handle. This will make these to have couple of choices to consider. In help debt consolidation reduction one will need to consult among the consolidated companies for enabling to pay for in small payments which are able to afford.

Your debt bringing together loan financing helps customers cut costs with various kinds of credit finance with mortgages for bringing together high rate. In most, it’s considered a proper relationship, settlement and consolidation to any or all clients which provides them an even run within their personal existence and business and allows these to maintain their financial status and venture to higher level of earnings.

read more
Debt Consolidation

Debt Consolidation Loan Re-finance – Download It Today

Without doubt, your debt may be the greatest reason for worry in a person’s existence. In a single or any other way very person is affected out of this disease. Many people live from salary to salary attempting to make both finishes meet. Having to pay bills may be the only activity of these those who are mired with more than due interest from financial loans or loan payments. What’s the means to fix this billion dollar problem? Just how can these folks be saved in the vultures by means of loan companies? Well, there’s an answer for those these loan payment problems. The only real achievable option would be your debt consolidation re-finance option.

So how exactly does your debt consolidation re-finance work? Lots of people feel and doubt the authenticity from the re-finance option because they fear they might finish up turning themselves in in the fry pan towards the fire. They think they could be swept up in another type of loan or debt. Debt consolidation reduction is fast making up ground in reducing individuals from unnecessary interest obligations. Considering all of the varied financial loans and financial obligations as well as their payment modes debt consolidation reduction re-finance is arranged to payback all of the financial loans in one payment.

Your debt consolidation re-finance may take proper care of all debit and credit consolidation too. Your debt consolidation re-finance will give a achievable payment way of the financial aid it offered through easy payback schemes. With debt consolidation reduction companies offer guaranteed debt consolidation reduction in which you have to submit some type of security from the finance you obtain to payback financial loans from their store and you will find nsa. It offers timely help payback all of the pending financial loans, consolidation the numerous financial loans into one particular repayable loan option.

Whatever be select a debt consolidation reduction re-finance which will fit your payment mode easily. It shouldn’t be another burden each month. Carefully evaluate your debt consolidation quotes after while using debt consolidation reduction calculator to repair the loan payment option, pick the system ideal to both you and your budget each month. Not every  are authentic. Check their qualifications on the internet and communicate with those who have achieved positive results from all of these companies. Make certain they provide a good and reliable plan which you’ll depend on. Several nonprofit  that are most and like these businesses with other profit making ones. Whatever is the choice make certain you’re from financial obligations and financial loans permanently.

read more
Insurance

Health Insurance: Take OPD Cover In Your Plan

It’s crucial to maximise your health insurance and ensure you have ideal coverage because healthcare is becoming more expensive, and the percentage of out-of-pocket costs is rising. Insurance companies now provide various choices to tailor coverage to individual client’s medical requirements.

Evaluate your current insurance and consider switching to a policy with cashless OPD, a daily cash rider, guaranteed cumulative bonus, and reduced sub-limits.* n addition, take a top-up and add a few necessary riders to complete the insurance coverage. Consider switching to a plan with these benefits from the same or a different health insurer if your current plan does not offer them. *

  • Cashless OPD*

While a basic health insurance policy only covers hospitalisation, many healthcare expenses are associated with doctor visits, medications, and diagnostic tests. Cashless OPD coverage benefits individuals with high out-of-pocket expenses or parents of frequently ill children needing over-the-counter meds or testing.

The cashless OPD program includes coverage for professional fees, diagnostics, medications, fracture treatments, dental care, and minor surgeries at accredited facilities.* However, the majority of insurance does not cover OPD costs for eyeglasses, contact lenses, ambulatory aids like walkers, etc. Choose health insurance with OPD coverage.

Guaranteed Cumulative Bonus

Consider a policy with a guaranteed cumulative bonus that, for the same premium, guards against the loss of cumulative bonus after a claim. A few health insurance plans guarantee cumulative bonuses of 25–30% per year, up to 200% of the covered amount, regardless of claims. *

After a few years of renewal, search for a policy that provides a loyalty concession on the appropriate premium. Certain insurers provide further reductions if the insurance is renewed through or standing order using a credit card or direct debit from a bank account.

Restore Benefits, Riders*

Choose a policy that pays restoration benefits if hospitalisation causes the sum covered to be used up within the policy year. It is the perfect component of a family floater plan. The family members continue to get coverage on the restoration of the sum insured even after the base cover of the floater has been used up.

A health insurance plan with a high deductible or co-pay should be avoided. Although it might lower your premium, your out-of-pocket costs will increase. Choose a higher base plan and larger super top-up deductible instead. Most health insurance policies offer necessary riders, such as coverage for critical illnesses, that you can select based on your needs for an additional fee. ##

  • Cashless OPD covers professional expenses, prescription drug costs, diagnostic costs, fracture care, dental care, minor surgery, etc.
  • For the same premium, guaranteed cumulative bonus guards against the loss of cumulative bonus after a claim. *
  • To make the insurance comprehensive, include necessary riders and a top-up plan.

Make sure you renew your health insurance on time.

In conclusion, including OPD cover in your health insurance plan is a wise decision. This addition not only offers financial assistance for outpatient expenses but also contributes to comprehensive coverage, ensuring that you and your family have access to a wide range of medical services when needed. Prioritizing OPD coverage can lead to better overall healthcare and peace of mind for policyholders, making it a valuable component of any health insurance plan.*

*     Standard T&C Apply

##     All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

read more
Finance

SIPs for freelancers: Stabilising irregular income

Being a freelancer in India comes with its own set of challenges, and one of the most significant challenges is managing irregular income. Unlike salaried individuals who receive a fixed pay cheque every month, freelancers often experience income fluctuations.

However, there is a financial tool that can help you stabilise your irregular income and plan for a secure financial future – systematic investment plans (SIPs). Read on to know SIP meaning, and how SIPs can be a game-changer for freelancers.

What are SIPs?

Investing through an SIP is a reliable way to put your money in mutual funds. With an SIP, you can invest a fixed amount of money at regular intervals, usually every month. This investment approach can help you benefit from the power of compounding and grow your wealth over time.

SIPs provide several advantages that make them ideal for freelancers, such as:

Budgeting and discipline

SIPs encourage financial discipline. Investing a set amount monthly creates a saving and investing habit, securing your financial future.

 An SIP calculator is an online tool that helps you calculate the potential returns on your SIP investments based on factors like the amount invested, the investment duration, and the expected rate of return.

Small investments, big returns

One of the greatest advantages of SIPs is that you can start with a small amount. This is perfect for freelancers who may need more money to invest upfront. Over time, these small investments accumulate and grow significantly.

Rupee cost averaging

SIPs use a technique known as rupee cost averaging, where the fixed investment amount buys fewer units when the market is high and more units when it’s low. This strategy helps to minimise the impact of market volatility and ultimately lowers the average cost of your investment.

Emergency fund and SIPs

Freelancers should prioritise building an emergency fund for unexpected expenses. SIPs can serve a dual purpose here. You can choose a liquid or debt mutual fund for your emergency corpus, ensuring liquidity and potential returns on your money.

Diversification for risk mitigation

As a freelancer, you are your own business. SIPs allow you to diversify your investment portfolio across various mutual funds and asset classes, reducing your overall risk. Diversification helps you navigate financial turbulence more effectively.

Long-term wealth creation

SIPs are ideally suited for long-term financial goals. Whether it’s retirement planning, buying a home, or funding your child’s education, systematic investing through SIPs can help you achieve these objectives without straining your finances.

Choosing the right mutual funds

Selecting the right mutual funds for your SIPs is crucial. It’s essential to consider your risk tolerance, financial goals, and investment horizon.

Monitoring and adjusting

As a freelancer, it’s important to regularly review your SIPs to ensure they align with your current financial situation and goals. Adjust your SIP amount based on your earnings.

Bottom line

Incorporating SIPs into your financial strategy can provide the stability you need to thrive as a freelancer in India. These simple yet effective investments can help you manage irregular income, build wealth, and secure your financial future. Start your SIPs today and take control of your financial destiny.

read more
Finance

Easy Ways to Identify the Best Personal Loan Offers for You

Introduction

Demand of personal loans is increasing every year because of financial needs of people. Whether you’re planning to consolidate debt, emergency situations, or tackle unexpected expenses, finding the best personal loan offers is crucial. With numerous lenders and loan options available, it’s important to choose a best suitable loan for you.

In this article, we will discuss about the easy ways to identify the best loan according your needs and situations.

  1. Assess Your Loan Requirements

Before opting for a personal loan, it’s essential to assess your loan requirements. Determine the specific amount you need to borrow, the repayment period that suits your financial situation. This will provide a clear understanding of your borrowing needs and help you streamline your search.

  1. Evaluate Your Credit Score

Your credit score plays a vital role in determining the interest rates and terms you qualify for a personal loan. A higher credit score can help you to get loan on lowest or affordable interest rates. Check your credit score before opting for a personal loan. If your credit score is lower than desired, so try find the best ways to improve your credit score.

  1. Research Multiple Lenders

There are hundreds of banks and NBFCs for personal loan in India so don’t limit yourself to a single lender when exploring personal loan options. Instead, invest time in researching multiple lenders to identify the best offers available. Banks, and private lenders have varying eligibility criteria, interest rates, and loan terms. Comparing the offerings of different lenders allows you to make an informed decision based on your specific needs and financial circumstances.

  1. Compare Interest Rates

The interest rate is a crucial factor in determining the affordability of a personal loan. A lower interest rate means lower monthly payments and overall interest costs. Utilize online comparison tools or directly contact lenders to inquire about their interest rates. It’s important to understand the difference between fixed and variable interest rates. Fixed-rate loans provide stability and predictable monthly payments, while variable-rate loans may offer flexibility but are subject to fluctuations. Interest rate is one of the important aspect of a personal loan, different lenders have different interest rate so deeply enquiry about it before opting for a personal loan.

  1. Understand Fees and Charges

In addition to interest rates, personal loans often come with various fees and charges such as, prepayment penalties, late payment fees, and processing fees. Some lenders are not transparent and they may have hidden charges, confirm if the lender have any kind of hidden charges. Calculate the overall cost, including fees, to gain a comprehensive understanding of what you’ll be paying.

  1. Read Customer Reviews

Customer reviews and testimonials can provide valuable insights into the reputation and customer service of lenders. Look for reviews on independent websites or financial forums to gain unbiased perspectives. Multiple negative reviews or complaints may indicate poor service or hidden fees. Pay attention to both positive and negative experiences shared by customers to make an informed decision.

  1. Consider Loan Repayment Flexibility

Loan repayment flexibility is an important aspect to consider, particularly if your financial circumstances change. Check if lenders offer options such as the ability to skip a payment, make extra payments without penalties, or adjust your repayment schedule. Flexibility in loan repayment can provide peace of mind and help you manage your loan more effectively.

  1. Seek Professional Advice

If you find yourself unsure about the terms and conditions of a personal loan offer or need assistance with the decision-making process, consider seeking advice from a financial professional or someone who knows about it. A financial advisor can help you to choose best loan offers, evaluate the pros and cons, and guide you towards the best option based on your financial situation.

Conclusion

Identifying the best personal loan offers requires careful consideration and research. By assessing your loan requirements, choosing a personal loan lender, evaluating your credit score, researching multiple lenders, comparing interest rates, understanding fees and charges, reading customer reviews, considering loan repayment flexibility, and seeking professional advice when needed, you can make an informed decision. Remember, a personal loan is a significant financial commitment, so take your time to choose the best offer that aligns with your financial goals and preferences. By following these easy ways, you’ll be on the path to securing the best personal loan offer for your specific needs.

read more
Business

Vital Strategies For Successful Capital Raising In Investment Banking

Business leaders often face circumstances that require more upfront capital investment than the company can generate internally. In these cases, the company can raise capital from outside investors to meet its objectives.

Investment bankers play a critical role in the broader economy by matching those selling securities with investors, thereby adding liquidity to markets. This makes financial development more efficient and helps businesses grow.

1. Identifying the Right Investors

The capital raising investment banking process can be time-consuming and complex. It requires proper planning and preparation, identifying possible investors, pitching your business, and negotiating terms. It’s important to understand the various financing options and how they differ from each other so you can choose the best one for your company.

Investors want to see a plan for how your company will achieve its objectives and what return they’ll receive in exchange for their investment. This should include financial projections, as well as a detailed description of the current state and potential future of your business.

The top motives for companies to raise capital are mergers and acquisitions, debt financing, the purchase of fixed assets, and expansion into new markets. A successful capital raising strategy involves maintaining a collaborative relationship with investors and providing them with regular updates on the company’s progress. This can help to build trust and increase the chances of getting the desired funding.

2. Developing a Strategy

Investment banks are middlemen between companies that want to issue new securities (like stocks or bonds) and the investing public. Investment bankers buy the shares at a discounted price and sell them on the market at a higher markup, generating profit for their employers. This is called underwriting. Investment bankers often work as part of a syndicate, with several other investment firms, to underwrite an offering so that their risk is spread out.

A private company may see a strategic opportunity that requires significant upfront capital investment – more than the business can generate internally. It might seek out outside investors to fill the gap. Investors look at your business plan, your liquidity and your financial statements to decide how much capital they can invest or loan you. They want to know how you intend to use the capital and approximately when you will reach your business goals. They also want to be sure that you can repay them in a timely manner.

3. Developing a Relationship

Investors want to invest in a company that has a clear vision and strong leadership. Demonstrate your expertise and show that you are a thoughtful partner by responding promptly to questions and suggestions.

Investment banks help companies and government organizations raise funds by selling securities – shares or bonds – to investors such as high net worth individuals or pension funds. The proceeds from these sales enable a company to fund large projects, such as an expansion into a new market or research and development.

A major aspect of investment banking involves underwriting, where a bank estimates how much a security might be demanded by investors and then issues it for sale at that price. This can involve evaluating current market conditions, assessing investor appetite and experience, comparing offerings in similar markets and benchmarking. It also involves creating financial models to help inform the client’s decision making. Some investment banks trade on their own accounts to generate in-house profit, which presents a potential conflict of interest.

4. Developing a Plan

An investment banker is an expert in advising clients on the best way to raise capital. This process involves a complex mix of factors and requires careful consideration. Having a roadmap for your fundraising journey will help you avoid the many pitfalls along the way.

Suppose that your business has spotted an opportunity that will propel its growth into the future, but it requires a substantial upfront capital investment – more than you can generate internally. In this case, you may choose to raise additional funding through venture capital in return for equity in your company.

An investment banker acts as a middleman between companies that want to issue new securities and investors that wish to purchase them. During underwriting, investment bankers determine the riskiness and market demand for a stock or bond offering before it is published. They then compile a list of orders at specific prices, called a book of demand, and allocate securities to institutional investors.

read more
Finance

Travel to Maldives Post-Pandemic: A Revenge Traveller’s Guide

People want to travel more than ever because of the pent-up demand for leisure travel, the new hybrid work environments, and the money saved by families during the pandemic. Vacations have now become more than a necessity. As you pack your belongings, remember to pack travel insurance from a known company like Bajaj Allianz travel insurance.

Revenge travel: A new trend

There is a new trend among travellers, and it is called “revenge travel.” It does sound like something violent, but it’s not. Revenge travel results from the travel industry’s lockdown and restrictions during the pandemic.

India seems to have a strong travel culture, as people are getting ready to visit nearby vacation spots to get back to travel. But travellers aren’t as eager as they used to be to meet new people and learn about other cultures. Today, it’s all about finding easy on the pocket, quiet and peaceful places to visit.

Maldives: A favourite among Indians

Tourism in Maldives has seen a boom after the pandemic because it is a relaxed place for a vacation, especially for people from India. Maldives is one place close to India where honeymooners and families do not mind spending extra to enjoy luxury.

There are direct flights to the destination, on-arrival visas, beautiful resorts, and lots of fun things to do. A Maldives travel insurance would be extremely helpful in case of any emergencies.

Why is Maldives such a popular place to go on vacation?

  • Known as the perfect place for nature lovers
  • Visitors can enjoy an unmatched luxury
  • The huge amount of sea life
  • The best romantic getaway
  • Privacy, space, and security
  • The resort experience
  • Adventure activities (water sports)
  • Delicious Maldivian food
  • Economy and proximity

What to expect?

The Maldives is home to fascinating landmarks and offers various exhilarating adventure sports to partake in, making it one of the most exciting tourist destinations in the world. Since there would be a lot of adventure sports you can participate in, remember to buy an insurance policy that offers adequate coverage for adventure sports as one of the many benefits of travel insurance.

Maldives during the pandemic: Tourism in the Maldives hit a new low because of the pandemic. Maldives shut its borders for the first time in its history from March 27, 2020, to July 15, 2020. This was done to stop the virus from spreading and stop all travel in the Maldives. But since late 2020, tourists have returned steadily as the virus is now under control and more than two-thirds of the country’s population has been vaccinated. As you plan to resume your travel once again, book your insurance from Bajaj Allianz travel insurance. Most travel insurance now covers testing positive for Covid too.

Promotion to attract tourists: Maldives is trying to improve its image by taking advantage of how travellers’ tastes are changing. The Maldives started a marketing campaign in 2020, whose slogan was “Isolation never looked so good”, to promote it as a niche destination.

Vacation companies have found a particular market for Maldives packages, and some allow travellers to customise their own Maldives vacations.

The way forward: The global travel industry is still in the wood, but it’s good to see Maldives taking bold steps to get back on its feet faster, using new tools and an effective and efficient approach.

To sum up, places worldwide open their doors to tourists with restrictions lifted each passing day. Travel insurance is mandatory in some countries. E.g., Schengen travel insurance is a prerequisite for visiting many European countries.

Even though it might not be a mandate in the Maldives, it is highly recommended that you buy travel insurance, more so now as Covid has brought with itself a lot of uncertainty.

Subscribe to Bajaj Allianz General Insurance Company YouTube Channel.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

read more
Finance

A Comprehensive Guide to Health Insurance: Explore Its Coverage, Features, and Benefits

Health insurance is a service that protects your cash in the event of an unexpected medical expense. Having the straightforward certainty that your medical bills are being paid for can be a tremendous relief during these trying times. It is equally crucial to understand what is covered by your health insurance policy as it is to just have an insurance coverage.

In general, a health insurance policy must have the following features:

  • Cover the cost of hospitalisation
  • Daycare facility fees
  • Hospital fees
  • Cumulative bonus for each renewal year without a claim
  • Minimal waiting times for disorders that are already present
  • Affordable premium prices

There are many different health insurance options on the market. Each of these plans caters to individuals with various medical needs by providing a variety of coverages and health insurance perks.

Individual health insurance

Plan for individual health insurance. If you’re single and seeking for an insurance that will solely cover you, this plan is best appropriate for you. The advantages of this strategy include:

  • More than 6000 network hospitals in India have a cashless facility.
  • SI (Sum Insured) ranges from 1.5 lakhs to 50 lakhs in Indian rupees.
  • Options for 1, 2, and 3 year policy terms
  • Choice of perpetual renewal
  • Health CDC (Claim by Direct Click) benefit: quick claim resolution with the Insurance Wallet app
  • Cost-effective long-term plans.
  • Section 80D of the Income Tax Act provides for tax savings. Tax benefit is subject to change in prevalent tax laws.

Family Health Insurance Plan – Health Guard

Health insurance plans for a family called Health Guard are specifically designed to cover your entire family under a single policy. This policy can be purchased to cover you, your spouse, your parents, and your kids. The advantages of this strategy include:

  • A single policy that will protect both you and your loved ones
  • Freedom from having to pay multiple premiums for each member of the family
  • SI (Sum Insured) ranges from 1.5 lakhs to 50 lakhs in Indian rupees.
  • Options for 1, 2, and 3 year policy terms
  • More than 6000 network hospitals in India have a cashless facility.
  • Choice of perpetual renewal
  • Section 80D of the Income Tax Act provides for tax savings.
  • Maximum annual convalescence benefit of INR 7,500

Policy for Critical Illness

This insurance plan is specifically created to protect you in the event that you develop life-threatening conditions like cancer, stroke, kidney failure, etc. This policy’s entry age ranges from 6 to 59 years old. This benefits of health insurance under this plan is that it includes 10 serious diseases:

  • Stroke
  • Kidney Disease
  • Cancer
  • Limb Paralysis for Life
  • Surgery to Replace an Artery
  • Heart attack initially (Myocardial Infarction)
  • Surgery for an aorta
  • Primary Arterial Hypertension in the lungs
  • Significant Organ Transplant
  • Symptoms of Multiple Sclerosis that Never Go Away
  • Amount paid as a lump sum to the insured
  • Insurance to cover donor costs during a transplant procedure
  • Coverage offered both in and outside of India
  • Options for SI (Sum Insured) begin at INR 1 lakh.
  • Section 80 D of the Income Tax Act’s tax savings provisions
  • Affordable premium prices

In the modern world, when the cost of healthcare is rising daily, having health insurance is essential. When receiving medical care, a good health insurance policy can give you the financial security you need. Understanding what is included and excluded, as well as specifics on the list of diseases not covered by health insurance, is nevertheless crucial.

Last but not least, pick a plan that best meets your insurance needs. In order to properly comprehend the policy’s contents and exclusions, we also advise you to carefully study the policy wordings.

Subscribe to Bajaj Allianz General Insurance Company YouTube Channel.

Insurance is the subject matter of solicitation. For more details on benefits, exclusions, limitations, terms, and conditions, please read the sales brochure/policy wording carefully before concluding a sale.

read more
1 2 3 4 8
Page 2 of 8