General Insurance Non Life Insurance Agent

Oriental Insurance Introduce New Floater Mediclaim Insurance Policy

sameer.lic@gmail.com — Mon, 10 Aug 2009 22:59:43 PDT

* Our Happy Family Floater aspires to protect you against escalating medical cost and supports you in creating a healthy tomorrow for yourself and your near-ones.It is an extensive cover for medical expenses of illness and accidents requiring in patient hospitalization. Optional covers are available for Personal Accident (Worldwide). In addition, an add-on benefit of "Life hardship Survival" can be availed for certain critical diseases. * The Happy Family Floater is available in Silver and Gold variants. The cover amount ranges from Rs. 1- 10 lacs.
Key Benefits of Happy Family Floater:
* Wide coverage for the whole family (Self and Spouse, dependent, unemployed children below 25 years of Age, unmarried/divorced/widowed daughter and dependent parents-in-law.* Start with a smaller Sum Insured and increase it over the years as per your requirement (subject to policy conditions). * Tax relief under section 80 D of the Income Tax act. * Medical Check-up is required only for insured aged 60 years and above. * Use your Happy Family floater ID card at more than 5000 Hospitals and avail cashless treatment (only on hospitalization) no more hassles of arranging money when you need it most. * Pre-existing diseases covered from the fourth consecutive renewal.. Visit Mediclaim Floater Here.
For more detail visit Avdhoot Investment

What is the added feature or service that I can avail through United HealthGroup which are different from that of SOS International?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:31:03 PDT

Our tie-up will give all our travellers access to United Healthcare’s network of hospitals & physicians. This also means that when you avail services from a hospital under the United HealthGroup network, you do not have to pay any extra charges. The services that we provide through our third-party administrator SOS International is claims assistance be it medical or non-medical to be availed worldwide. Register your claims with our third-party administrator SOS International who will in turn direct you the nearest United HealthGroup hospital/physician in your locality wherein you can receive treatment.
For more detail visit Avdhoot Investment

What is the difference between SOS International and United HealthGroup?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:30:36 PDT

United HeathGroup is the leading health care services provider in the US. This tie-up will give all our travellers access to United Healthcare’s network of hospitals & physicians However, for registering any claims – medical or non-medical, you need to call our third party administrator – SOS International toll Free at 1 866 625 8529. They are the assistance service provider who will settle your claims abroad on our behalf.
For more detail visit Avdhoot Investment

Do you have tie up with United HealthGroup?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:30:09 PDT

Yes. We have allied with UnitedHealth Group (UHG), one of the largest health care companies in the US. This tie-up will give all our travelers access to United Healthcare’s network of hospitals & physicians
For more detail visit Avdhoot Investment

Will I get refund if I cancel my policy?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:29:27 PDT

The policy bought online will be cancelled and the amount refunded on a pro-rata basis provided no claims have been made subject to minimum 30 days left for the policy to expire
For more detail visit Avdhoot Investment

How long does it take to receive the policy papers once I purchase the policy online?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:29:03 PDT

The hard copy of the policy will reach you within 7 working days. However, you can buy online within 15 minutes and take print out of the policy instantly. This works as a legally valid document, even at the time of claims, as all you need to have is your passport details and policy number.
For more detail visit Avdhoot Investment

What is a TPA?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:28:44 PDT

TPA stands for Third Party Administrator. The most essential service they provide is cashless medical services. They also provide the necessary information to deal with any problem regarding claims
For more detail visit Avdhoot Investment

Why do I need Travel Insurance?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:27:56 PDT

One usually travels abroad for two reasons- a pleasure trip or a business trip. You do not want anything to ruin your hard earned holiday or your crucial business meeting. But there is a possibility of some unexpected occurrence no matter how perfect the planning is. Unfortunate events such as baggage loss, passport loss, a medical emergency or an accident can affect you. Having Overseas Travel Insurance protects you from all such perils. It ensures that in the unknown foreign land you are not left stranded in any kind of an emergency.
For more detail visit Avdhoot Investment

What does the Student Medical Insurance Plus Plan offer?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:27:11 PDT

Student Medical Insurance Plus Plan is an add-on cover to fulfill the various criteria of universities abroad. It covers treatment for mental and nervous disorders, including alcoholism and drug dependency, in-patient medical expenses related to pregnancy, medical expenses for inter-collegiate sports injuries, cancer screening & mammography examinations and childcare benefits.
For more detail visit Avdhoot Investment

I'm covered by NHS (National Health Service) for my study in UK. Do I still need Health insurance?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:26:38 PDT

If you are not entitled to free NHS treatment, you should make sure you have adequate medical insurance to cover medical costs if you fall ill, and also to cover the additional possible costs resulting from illness. These can be substantial, and include
lost fees if you are unable to complete your course
costs of returning home if a relative is ill
costs of a relative visiting you in the UK if you fall ill
cost of returning to your home country for treatment
or in the worst possible situation, returning a body home for burial.Even if you are entitled to free NHS treatment whilst in the UK, you should consider taking out insurance which covers the above additional costs. Moreover, even if you are covered by the NHS for medical treatment, you may find that there are long waiting times for some services. An insurance policy which gives you access to private medical care could give you much quicker access to the treatment you need.
For more detail visit Avdhoot Investment

What if I want to extend my student insurance policy cover?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:26:09 PDT

Student Medical Insurance is now available with a continous cover for 2 years, thereby covering your entire period of study without extension hassles. You may also opt for the regular 1 year policy and then extend if required to the second year. You can extend your policy three months in advance of expiry.
For more detail visit Avdhoot Investment

Why do I need student medical insurance?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:25:27 PDT

Student medical insurance makes sure that your study and stay abroad is smooth. There are several reasons why a student medical insurance is necessary:
Medical insurance is mandatory for most foreign universities including popular destinations like Australia, US, Canada, New Zealand, etc.
Majority of universities abroad allow waiver from on-campus health insurance with comparable domestic insurance policies
Available at 1/3rd the university premiums abroad, ICICI Lombard Student Medical covers major medical, repatriation, evacuation, dental expenses, etc. and can be combined with the Plus Plan for additional coverages like medical expenses related to pregnancy, Mental disorders, Cancer screening, Mammography and Sports injuriesFor more detail visit Avdhoot Investment

In the event of claim being already made, if I want to renew my policy for the second year, do I have to undergo medical check up again?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:24:19 PDT

No, the medical check up has to be taken only once, during the start of taking a policy and only if you are 56 years of age or above.For more detail visit Avdhoot Investment

When do I have to take a medical check up? What is the period for the medical check up i.e., from the start date of the policy?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:23:38 PDT

On purchase of the policy, we would inform you on the medical check up routine. Ideally, the check-ups are conducted within 5 days of paying the first premium.
For more detail visit Avdhoot Investment

What if I want to renew my health insurance policy after one year?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:22:30 PDT

We would be sending you a renewal notice informing you of the expiry of your health policy via courier or by sms.
For more detail visit Avdhoot Investment

Which medical tests does an adult above 56 years need to go through?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:21:50 PDT

An adult aged 56 years and above has to undergo the following medical tests:
1. Complete Blood count
2. Fasting Blood Sugar
3. ESR
4. Serum Creatinine
5. SGPT
6. Urine Routine
7. ECG
8. Medical Examination with BP recordings – By a physicianAn additional charge of Rs. 600 would be collected for the Medical Test by our representative
For more detail visit Avdhoot Investment

Why should I take Family Floater health plan if I already have health insurance from my employer?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:21:05 PDT

Your employer will cover your medical expenses only as long as you are in his services. Tomorrow, you may change your job, retire, or even start something on your own. In all such cases you and your family will be stranded if a medical emergency arises and you have not arranged for an alternative health insurance policy. It is at this point of time that Family Floater Health Insurance policy will come to your rescue.
Family Floater Health Insurance policy can also act as a supplement to your existing medical cover in case the cost of medical treatment is higher than your existing cover level.
For more detail visit Avdhoot Investment

How does a Health Card function in case of a 2-year policy?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:20:30 PDT

In case of a 2-year policy, you will be issued a single card, which would be valid for the entire policy period. The health card need to be renewed or re-issued during the policy tenure.
For more detail visit Avdhoot Investment

Are all policyholders eligible for a Health Card?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:19:40 PDT

Yes, all the policyholders are eligible for the Health Card as it is an important component of the policy.
For more detail visit Avdhoot Investment

What are the benefits of a health card?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:19:17 PDT

A health card mentions the contact details and the contact numbers of the TPA. In case of a medical emergency, you can call on these numbers for queries, clarifications and for seeking any kind of assistance.Moreover, you need to display your health card at the time of admission into the hospital.

For more detail visit Avdhoot Investment

What is a Health Card?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:18:33 PDT

A health card is a card that comes along with the Policy.It is similar to an Identity card. This card would entitle you to avail cashless hospitalisation facility at any of our network hospitals.
For more detail visit Avdhoot Investment

Why do I need health insurance?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:17:58 PDT

Health insurance will protect you and your family against any financial contingency arising due to a medical emergency.

For more detail visit Avdhoot Investment

What is the Family Floater Plan?

sameer.lic@gmail.com — Tue, 30 Sep 2008 10:17:23 PDT

For the first time in India, one single policy takes care of the hospitalisation expenses of your entire family. Family Floater Health Plan takes care of all the medical expenses during sudden illness, surgeries and accidents.e.g.: The Prakash Family is covered under a traditional health insurance plan - Mr. Prakash Rs. 2 lac, his wife Rs. 1 lac, their son and daughter Rs.50,000 each and they have paid premium for all these 4 policies. In an unforeseen situation, wherein surgery and post hospitalisation bill of their son amounts to Rs. 1.30 lac. The existing policy will cover only Rs. 50,000, while Mr. Prakash will have to bear the balance Rs. 80,000 from his pocket.With Family Health Floater Insurance plan, each member of Prakash family is covered up to Rs. 4 lac . Thus, Family Floater would have covered entire Rs. 1.30 lac medical expenses of Mr. Prakash's son.
For more detail visit Avdhoot Investment

Group Mediclaim Policy

sameer.lic@gmail.com — Thu, 11 Sep 2008 09:06:57 PDT

Group Mediclaim Policy
Brief Description :
Mediclaim Insurance is a cover which takes care of medical expenses following Hospitalisation/Domiciliary Hospitalisation of the Insured in respect of the following situations: (A) In case of a sudden illness (B) In case of an accident (C) In case of any surgery which is required in respect of any disease which has arisen during the policy period. The major benefit for taking a Group Mediclaim policy is that the insured gets a Group discount, hence the premium per person is lower.
Covered Risks :
This cover is a hospitalisation cover and reimburse the medical expenses incurred in respect of covered disease /surgery while the insured was admitted in the hospital as an in patient.The cover also extends to pre- hospitalsation and post- hospitalisation for periods of 30 days and 60 days respectively
Major Exclusions :
Any pre-existing disease,any expense incurred during first 30 days of cover except injury due to accident,all expenses incurred in respect of any treatment relating to pregnancy and child birth. Treatment for Cataracts,Benign prostatic hypertrophy,Hysterectomy, Menorrhagia or Fibromyoma, Hernia,Fitula of anus,Piles, Sinusitis, Asthma,Bronchitis, All Psychiatric or Psychosomatic disorders are excluded from the scope of the cover
For more detail visit Avdhoot Investment

Private Car Package Policy

sameer.lic@gmail.com — Thu, 11 Sep 2008 09:02:34 PDT

Private Car Package Policy
Brief Description :
A Private Car is defined as any transport vehicle /car /omnibus whose unladen weight does not exceed 7,500 kgms and is used only for social,domestic and pleasure purpose and insured's own business. The policy does not cover use for Hire or Reward, Organised racing, Speed testing and carriage of goods (other than samples) in connection with any trade or business or use for any purpose in connection with MOTOR TRADE. On payment of extra premium the policy may be extended for Personal Accident cover as well.
Covered Risks :
Fire,Explosion, Lightning,Burglary and Theft,Riot and Strike, Typhoon,Hurricane,Storm, Tempest, Malicious act,Earthquake,Flood,Terrorist activity,Landslide/Rockslide. It also covers damages by accidental, external means while in transit by rail/road, inland water, lift or air in addition to the legal liability required by law
Major Exclusions :
Consequential loss,Depreciation,Wear & tear, Mechanical/ electrical breakdown, failures or breakages,Damage to tyres unless the motor car is damaged at the same time and any accidental loss or damage suffered while the person driving is under the influence of intoxicating liquor or drugs.
For more detail visit Avdhoot Investment