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Max Bupa Health Companion Health Insurance Plan

Health Companion Health Insurance Plan - Health Companion

A cost-effective plan which provides you hosts of benefits including direct claim settlement, pre and post hospitalisation expenses and a cover of up to Rs 1 cr. Get assured renewal for life with this plan.

• In-patient Care (Hospitalisation)

  We cover cost of medical treatment when you or your insured family members are hospitalised for treatment.

• Hospital Accommodation

  We cover cost of all types of hospital accommodation without any capping on room rent charges.

• Pre & Post Hospitalisation Medical Expenses

  We shall reimburse medical expenses incurred due to illness. The period of the treatment which we will cover should be 30 days before you get admitted to a hospital and 60 days after you get discharged from the Hospital. This is subject to Max Bupa accepting the Inpatient Care hospitalisation claim.

• All day care treatments covered

  We cover all day care treatments, not a select few. However, such a procedure should not be in the outpatient department of a hospital.

• Refill Benefit

  In case you have exhausted your Base Sum Insured and No Claim Bonus partially or completely, under this benefit, you are entitled for an additional sum insured equal to the base sum insured for a subsequent claim in the same year, provided it is for an unrelated illness.

• AYUSH In-patient

  Avail In-patient treatment under AYUSH (Ayurveda, Unani, Siddha and Homeopathy) up to the base sum insured

• Renewal Benefit

  "You would be entitled to both the benefits as renewal benefit:
  
  • No Claim Bonus
  
  Increase in Sum Insured @20% of Base Sum Insured subject to the maximum of 100% of Base Sum Insured for each claim free year with no penalization in case of claim
  
  • Complementary Health Check up
  
  Avail complementary Heath Check up for yourself and your family once in two years so that you live a healthier and happier life "

• 2 year Policy Tenure Option

  When you take a policy for two years, you get 12.5% discount on the second year premium.

• Hospital Cash (Optional) Rs 2000/Day

  A lumpsum payment for each 24 hours of hospitalisation in addition to the in-patient treatment benefits is made. This benefit is over and above the sum insured. The benefit is payable for up to 30 days of hospitalisation.

• Emergency Ambulance

  We also cover the ambulance expenses to transfer the policyholder following an emergency to the nearest hospital. These expenses are paid only if we have accepted the In-patient claim.

• Organ Transplant

  Medical Expenses for an organ donor’s treatment for the harvesting of the organ donated is also covered.

• Domiciliary Treatment

  In case a bed in the hospital is unavailable or on advice of the attending medical practitioner, treatment is administered at home; we pay for medical treatment taken at home, which would otherwise have required hospitalisation.

• Vaccination in case of animal bite

  We will cover Medical Expenses of OPD Treatment for vaccinations or immunizations for treatment post an animal bite. This benefit is available only on reimbursement basis and up to Rs.5,000.

• Tiered Network Option

  Zone 1: Delhi/NCR, Mumbai(inc. Thane City and Navi Mumbai), Bengaluru, Chennai, Surat, Pune, Hyderabad, Kolkata, Ahmedabad
  
  Zone 2: Rest of India
  
  If you reside at any location in India outside Zone 1, you get the option to choose Tiered network option.
  
  Choosing this option will provide you cashless facility in Zone 2 cities but only reimbursement facility in Zone 1 cities with 20% copayment.
  
  This further provides a 10% discount for your premium calculation.

• Any Age enrollment

  We cover families across life stages – from new born to senior citizens of any age. There is no maximum age for enrollment.

• Tax Benefit

  You will save tax under Section 80D of the Income Tax Act when you buy a Max Bupa health insurance policy. Tax benefits are subject to changes in the tax laws, please consult your tax advisor for more details.

• Assured Policy Renewal for Life

  Once insured with us, you will always remain our customers subject to continued payment of premium. We assure you renewability for life with no extra loadings based on your claim history.

• Direct Claim Settlement

  We believe you should focus on the treatment of your loved ones rather than running after claim settlement. Therefore, all claims are processed directly by our own customer services team.

• Cashless Facility

  You can access cashless facility at your nearest network hospital.

• Free Look Period

  We endeavor for transparency and complete satisfaction and therefore, our policies are transparent and easy to understand. If you are not satisfied, we provide a 15 day free look period within which you can cancel your plan stating the reason.

• Information at your fingertips

  As a Max Bupa Policy holder you can access your details on our website containing your claims history, your favourite health information, your health profile, including records of tests you may have taken while enrolling with us.

• UAN no.: MB/BR/2014-2015/398

Max Bupa Family First

Promoted by: Naresh Insurance Agency 

Refer a Friend

We welcome your referrals and we treat them with utmost responsibility.

Please refer to: pn.nareshkumar@gmail.com

We need referrals for:

Group Health Insurance 

Group Personal Accident Insurance

Individual Personal Accident Insurance

Individual Critical Illness Insurance

Individual Health Insurance

Life Insurance

General Insurance

Contact us

Appointments: +91-9347848640

Email: pn.nareshkumar@gmail.com

General Insurance

  

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Life Insurance

Aviva Life Insurance Company India Limited

  

SBI Life Insurance Company Limited

  

HDFC Standard Life Insurance Company Limited

  

Life Insurance Corporation of India

A Good website for Life Insurance education (of USA)

Calculate Your Needs

When purchasing life insurance, the question really isn’t how much you need, but how much capital your family will need at the time of your death, which depends on two variables:

1)    How much will be needed at death to meet immediate obligations?

This amount takes into account all final expenses: uncovered medical bills, funeral and estate-settling costs, outstanding debts, mortgage balance and college costs to name a few.

2)    How much future income is needed to sustain the household?

This is the number you’ll arrive at after calculating the “present value” of cash-flow streams your family will need after your death.

Calculate: http://www.lifehappens.org/insurance-overview/life-insurance/calculate-your-needs/

Source: http://www.lifehappens.org/

SBI Life - Saral Pension

Introduction:     Retirement – means giving up work and continuing to Celebrate Life! SBI Life - Saral Pension is a traditional, participating pension plan which offers you complete safety from market volatility, by providing you a secure future and a joyous retirement.
Key Features:
•	Guaranteed Bonus: Guaranteed simple reversionary Bonuses for first 5 years; @ 2.50% for first three years and @2.75% for the next two years, of the Sum Assured. Guaranteed bonus will be applicable only to in-force policies.
•	Vesting (Maturity) benefit: Sum Assured plus vested simple reversionary bonuses plus terminal bonus, if any. The sum assured carries an implicit guaranteed interest rate of at least 0.25% p.a. compounding annually.
•	Death Benefit: Total premiums paid till date accumulated at an interest rate of 0.25% p.a. compounded annually plus vested reversionary bonus plus terminal bonuses, if any.
•	You can buy immediate annuity from your entire proceeds or commute upto one-third of the policy proceeds and buy annuity with the rest.
•	Flexibility: You can defer the vesting date upto age of 70 years or extend the accumulation / deferment# period of your policy
# If age at vesting is below 55 years.
Product Snapshot
Age at Entry Min: 18 years  Max: For Single premium: 65 years, For Regular premium: 60 years Age at Vesting Min: 40 years Max: 70 years Policy Term Min: For Single premium: 5 years, For Regular premium: 10 years Max: 40 years Sum Assured** Min: Rs.1,00,000/- (x 1,000/-) Max:  No Limit Premium Frequency Single / Yearly / Half-yearly / Monthly## The premiums for various modes as percentage of annual premium are given below: • Monthly Premium- 8.4% of annual premium • Half-yearly Premium- 50.2 % of annual premium Premium Min:  Rs.7,500 p.a. Max: No Limit
All the references to age are age as on last birthday.     ##3 Months premium to be paid in advance and renewal premium payment through Electronic Clearing System (ECS) or Standing Instructions (where payment is made either by direct debit of bank account or credit card] **Sum Assured is always greater than or equal to Total premiums paid accumulated at an interest rate of 0.25% p.a. compounded annually
Benefits:
•	Vesting Benefit:  On attaining the vesting age, the vesting benefit proceed will be the Sum Assured plus Vested Simple Reversionary bonus plus Terminal bonus, if any. You have the following options:
	•	To purchase immediate annuity from the entire policy proceeds
	•	To purchase immediate annuity with an option to commute upto one‐third of the policy proceeds as per current Income Tax* rules
	•	To utilize the entire proceeds to purchase a Single premium deferred pension product
	•	To extend the accumulation period or defer the vesting date, provided you are below age of 55 years on vesting. The maximum extended period will be up to age 70 years.
•	Death Benefit: In an event of death of the policyholder, the death benefit proceed will be total premiums paid accumulated at an interest rate of 0.25% p.a. compounded annually plus vested reversionary bonus plus terminal bonuses, if any, will be paid to the nominee. The nominee will have the following options:
	•	Receive entire proceeds as lump sum
	•	Utilize the entire proceeds of the policy or part thereof for purchasing an annuity at the then prevailing rate
•	Tax Benefits*:
	•	Premium paid under this policy is eligible for tax deduction u/s 80CCC of the Income Tax Act
	•	On vesting, the policy holder can currently commute up to one-third of the policy proceeds as per Income Tax Act, 1961. This commuted value is exempted from tax under section 10(10A) (iii) of the Income Tax Act 1961. The non commuted pension amount taken in the form of immediate annuity is currently taxable.
	•	Under section 10(10D) of the Income Tax Act 1961, the lump sum death proceeds is not taxable.

Get your personalised Benefit Illustration by clicking here: http://www.sbilife.co.in/sbilife/images/contentimages/SaralPension_bi.htm

Source: www.sbilife.co.in

You may contact me and schedule an appointment for more details @ 09347848640 (Naresh)