Insurance Information OnLine

Online Health Insurance - Avail Insurance in Minutes

2009-09-01T11:05:00.000-07:00

The health insurance market has evolved exponentially in the last few years. Importance of buying a Health insurance is increasing as health insurance or mediclaim insurance policy covers you and your family members against sudden medical contingencies. Your health or mediclaim insurance policy is an agreement between you and the insurance company. Sometimes, it covers not only the expenses incurred during hospitalization but also the pre and post-hospitalization expenses.

If you are planning to purchase a health insurance policy to cover the health related risks of you and your family members, we suggest that you buy it online. Notable health or general insurance companies offer policies online, which give you instant coverage and other credible benefits. ICICI Lombard has been among the first few Indian insurance companies to make their insurance products available online. ICICI Lombard has web-based systems to meet all pre and post-policy transactional needs of its customers. You can compare plans, get insurance quotes, buy, renew and keep a track of ICICI insurance policies online. The company also uses this web integration process with its channel partners to streamline its sales process.

With ICICI insurance, you get an instant quote for any health insurance product online. You can find out the health insurance premium rates with the help of this quote. You just need to register once. You can log in as many times you want to with the help of your user name and password. A digitally signed copy i.e. a soft copy of your policy will be available in your online account. You can access the same whenever you want and can take the print out of the same. The hard copy of your form will be sent to you within the next 2 to 3 working days.

Currently, there are a number of innovative policies offered by various insurance companies. Additionally, there are various add on schemes such as a free health check-up coupon, no interest EMI facility etc. Do check on all these to get a better deal. Also, prefer to buy your policy online. It is convenient with no paperwork involved and an instant policy is generated. Having a policy online make bit much easier to manage and renew it. This is a smarter way of buying an insurance policy because it is availed to you in minutes with much convenience and security.
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How to reduce expensive Medical costs?

2009-08-28T11:06:00.001-07:00

The cost of health and health related services are increasing day by day. One of the smarter ways to cover such medical costs or medical expenses is to buy Health insurance. Many of us prefer to purchase health insurance, popularly known as Mediclaim to avoid financial risk and ensure medical care for the future. The importance of health insurance is growing steadily across India. The insurance companies in India are learning their lessons from the global insurers to make sure that they bring innovative plans to foster health and well-being of patients. The new private players in the insurance industry have widened their health insurance coverage package due to the modifications in the law. The health insurance industry has benefited immensely due to the rise of the new players. These companies offer reliable medical insurance that takes care of medical expenses, which may bother you each time you visit your doctor or a hospital for a medical check-up.

Most of the companies offer a health insurance that includes cashless facility at a variety of hospitals. In this case, those who have tied up with the insurer do not have to bear a large portion of the amount from his own pocket, which is directly managed by the Third Party Administrator (TPA). A comprehensive Medical insurance covers costs and expenses on blood, oxygen, Operation Theater, appliances, anesthesia, X-rays, dialysis, chemotherapy, medicines and drugs, pacemaker, artificial limbs and cost of organs. The above mentioned medical expenses are bound to happen, especially when a patient is hospitalized. A reliable medical insurance provides much more than a usual hospitalization cover. You get a health check-up coupon on every purchase, absolutely free of cost, which can help you save your other medical costs.

In India, some health insurance plans also offer you tax benefits under Section 80 D of the Income Tax Act, 1961. Make maximum out of the tax season to enhance your savings. You can smartly plan your expenses with the help of a medical insurance policy. We suggest you to go for an online purchase of your chosen medical insurance. Buying Mediclaim insurance online is not only affordable, but also ensures complete confidentiality of personal details. You will have access to your document and form throughout the day. You can take as many print outs you want and the hardcopy is sent to you on the provided address. You get instant insurance without any paperwork. Thus, we advise you to secure your future with a health insurance policy and reduce the medical expenses.
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Health Insurance Tips - Monsoon Health care

2009-08-28T11:05:00.002-07:00

Monsoon has arrived and it is a right time to watch your food intake during this season. This season brings the excitement that makes you feel tempted to taste spicy, road-side snacks but it also brings the germs and bacteria that may cause you health problems. Cough cold, flu and water-born diseases such as cholera, gastroenteritis are frequently observed health problems during rainy days. Handle them effectively with your regular kitchen ingredients. A little care can keep the monsoon troubles at bay. A comprehensive health insurance will also aid you, in case you have chronic health problems. Read more to know the basics of Monsoon health care.

Maintain personal hygiene

Wash your hands properly with a medicated soap before and after consuming food. Regular hand wash with a mild sanitizer also serves the purpose. Follow it with almond oil or baby cream. Applying Eucalyptus or thyme oil will also sanitize the skin.

Wear clean and dry clothes. Go for cotton and synthetic fabrics during monsoon. Keep a pair of garments with you while traveling.

Drink boiled water and avoid consuming uncovered food

This is a common yet extremely effective advice. Boiled water is pure and consumption of the same also helps you to digest food in a right way. Avoid eating the street-side foods like deeply fried fritters, fruits slices and other such snacks. Have light and freshly cooked meals.

Consume hot foods

Have lots of hot, home-cooked foods like soups, curries, freshly cooked vegetables. Keep sipping lukewarm water between meals. Make use of the following ingredients while cooking to get rid of some common Monsoon ailments:

Ginger is an excellent digestive herb. Start your day with a ginger tea or basil tea, which has medicinal value and works as a preventive measure for gastric problems, cold and cough. Also, few sips of honey and carrot juice help curing throat infection, which is a common problem in this wet weather.

Garlic consists of anti-viral and anti-fungal activities that cure the cold, stomach infections and increases your overall stamina. Consumption of hot garlic soup or garlic juice mixed with onion juice in hot water works as a magic for cold and flu.

A hot curry made by tamarind, butter and pepper also helps to clear the nasal passage and gives relief from cold. For those, who prefer non-veg, hot Chicken Soup is considered as one of the most beneficial of all of the hot liquids that cure cold and cough. Also, hot foods like spicy curries, mustard sauce help to clear the nasal blockage.

Seasonal fruits and leafy vegetables such as apples, plums, lichies, apricots, spinach, carrots, cauliflowers, radish, fenugreek, lettuce should be included in daily meals. Eating an apple everyday provides basic nutrition and protection to your body. You should practice eating it more than reading it as an old proverb.

A natural antibiotic like Golden seal is beneficial when there is greater nasal infection during the rainy season. Peppermint candy and herbal teas are also very good at helping to fight with the monsoon ailments.

The regular spices, herbs and other kitchen paraphernalia can be so useful to handle the common monsoon ailments. These simple home remedies give you a natural relief and save you and your family from spending money on unnecessary bills and medication.

Warm Up

Don't skip your exercising schedule. Try to work-out more indoors. Many of us tend to get gloomy during monsoon. Exercise is the best way to manage your emotional health care. Learn new things like Yoga, dance or Martial Arts. Start your day with a group exercise or hit a local gym or a health club with a buddy.

Insurance

In case of extreme emergencies, a health insurance policy will cover you and your family against sudden medical contingency or bodily injury. Many insurance companies offer extensive medical insurance that includes a list of benefits such as free health check-up coupon, tax benefits, cashless claim and EMI facility. Thus, health insurance is very important. We advise you to also secure your vehicle with car insurance. Accidents can occur anytime and it is wise to protect yourself against unforeseen circumstances. These days, you can conveniently buy medical insurance or vehicle insurance online. You get instant protection without any paperwork.

Prepare little in advance and take extra care of yourself in this monsoon to enjoy it fully.
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Exercising in Monsoon

2009-08-28T11:05:00.001-07:00

Monsoon is a time when the first few breezes of the rainy weather cause indolence even to the ones who articulately plan their work-outs. Many of us put on extra kilos as the exercise schedule goes for a toss. One of the main reasons behind this is that we keep our exercise schedule on hold till the rains take a break and prefer to enjoy the indoor environment with a cup of coffee. Exercise is an important part of your monsoon health care regime and it’s very essential to look at different option to regulate the exercise to stay active, fit and healthy. There are multiple exercise options you can try, if you’re comfortable working out indoors. Exercise can be fun during monsoons, read on to know how

Here are some tips to watch how you can exercise to stay suitably warm and healthy during this rainy season-

Warm up
A basic warm up is important. A good warm up that includes brisk walking or a light jog not only suits to the people from all age groups but it also elevates the heart rate and makes it easy for the muscles to stretch. So, make sure that you do the basic warm-up prior to any intense physical activity. Stretch your body slowly and steadily after warming up the body. Stretching adds lots of flexibility to the body.

Mind your Workout
Mind plays a very important role in motivating how long you do your work out. Especially, while it’s pouring cats and dogs outside, you need to be more motivated in order to exercise regularly. Try exercising more indoors. Learn new things like Yoga, dance or Martial Arts. Start your day with a group exercise or hit a local gym or a health club with a buddy. If you want someone to peculiarly take care of your exercising regime then it is advisable that you hire a personal trainer. Exercising with aerobics videos can be good fun. Indoor Cycling is also a good option to get a moderate workout done. Get rid of the monotonous exercise regimes and try something new this monsoon. This takes care of your mental health along with your physical health.

Make it enjoyable
Exercising, be it indoors or outdoors, should be comfortable and playful. You have many options to make your work out regime enjoyable. Creating a home gym is easy and inexpensive. Buy a set of dumbbells, an exercising ball or a jump rope. Walking up and down stairs for around 20 minutes also provides an efficient workout. If you don’t have stairs, try a wooden box. Purchase cardio equipments that suit your fitness level, interest and budget. Find indoor swimming pools that have hot water and do some water workouts. A brisk walk in the mall or lots of window shopping is smart ways to get some exercise when the atmosphere is bright and fresh. Make sure you eat healthy foods while your exercise plans are taking shape.

This way you can maintain fitness throughout the season. So, try to get active with a dedicated exercise plan to stay healthy this monsoon!

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Healthy weight Loss in a Natural Way

2009-08-11T12:44:00.000-07:00

Managing your weight can be simple and inexpensive. Pick-up some healthy foods from your own kitchen and consume them in right proportion. Daily intake of these natural foods will help you to maintain your health and make you feel better. Knocking out extra kilos always helps to keep the body active and healthy.

Pasta can be a good option if topped with veggies and tomato sauce; it is low in calories.

Mint can help you lose weight. Include mint tea or mint chutney in you daily meal. It helps in number of ways to have good and safe health.

Carrot is another vegetable that helps you to control your weight. Sip carrot juice once in a day to cut off some kilos.

Cabbage, raw or cooked prevents conversion of carbohydrates and sugar into fats and aids in weight reduction.

Honey works like a magic on obesity. The extra deposited fats in the body get mobilized and are used to sustain energy. Honey and lime-juice is good combination as lemon helps to improve appetite and it proves like a credible treatment for obesity related problems.

Fenugreek seeds combat against heavy fats and help improving digestion process. Fenugreek is also beneficial for those who suffer from heart problems.

Just like fenugreek, Alove vera juice is good for weight management. Aloe vera also shows wonderful effects on you skin.

Use skimmed milk or low-fat dairy products to prepare your breakfast. Avoid cheese, cottage that is packed with saturated fats and calories.

Replace your regular tea with Green tea and see the difference. Green tea helps burning fats and improves digestion.

These are some great natural health foods that help you control your weight. But you should not forget to eat your meals on time. Taking regular sleep for at least 6 hours is necessary. Avoid oversleeping and being lethargic. Adopt a good lifestyle that gives equal importance to diet and exercise. This way you can manage your health in a natural way than taking those pills for weight reduction. Live healthy and live full.

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5 Tips to get a Renewed Health this year

2009-08-11T12:41:00.000-07:00

Being in good health is essential to maintain the quality of life. World Health Organization (WHO) celebrates the World Health Day every year on 7th of April to ensure a better health for people across the globe. The theme of World Health Day 2009 is to focus on the safety of health facilities and the readiness of health workers who treat those affected by emergencies. (Source: www.who.int/)

Many of us may or may not be affected by such emergencies but we can certainly be a part of this mission by creating a healthy environment. See how some simple health and wellness tips can help you achieve sound health at least for yourself: Following factors are in your control and implementing them will certainly bring you good healthy living:

Well-balanced diet: A balanced diet means eating the right amount and right type of health food. Consuming appropriate portions of variety of nutritious foods nurture your body and keep you active. A well-balanced diet consists of food groups that provide sufficient carbohydrates, proteins, vitamins and minerals to your body. These are essential sources of energy, fiber, strength and stamina. Eating healthy food in a right way also makes you feel good about yourself as your emotional well-being is dependent on it.

Regular Exercise: It is important to add movement to your life for healthy living. Regular exercise brings multiple benefits that improve your body and mind. If you have hectic lifestyle, try doing small activities like taking steps instead of elevators, opting for longer routes to your desk, parking further so you walk between the car and the stores, playing with kids, swimming on free days, joining a dance or aerobics class. Simply getting an exercise buddy can also help you a lot in order to be fit and live healthy life. So, keep moving.

De-stressing: Timely and adequate sleep is essential and works as stress buster for natural health. Resting and relaxing are key ‘activities’ that help you manage stress in a better way. Allow yourself to the-stress at least once a day. Listen to music, plant trees, read a book or just sit at a comfortable place and breathe in deeply. Stress management is not very difficult if you’re eating balanced meals and exercising regularly. But if it’s still overpowering you then ensure that you take additional steps to combat stress.

Adopting new healthy habits: Instead of changing a bad habit, adopt a new habit. If you’re leaving home without having breakfast, it’s a time to adopt a habit of ensuring that you have breakfast before leaving home. Research has shown that people, who eat breakfast, tend to take in more vitamins and minerals and less of fat and cholesterol. Quitting to smoke or moderating consumption of Alcohol are difficult habits to change but not impossible. Smoking doesn’t induce any benefits and damages your health in many ways. If you carefully choose your drinks then they might help you to a certain extent for better health. Prefer making your own cocktails. Also, avoid drinking creamy liqueurs after dinner as they contain huge amount of calories.

Positive Attitude: This is common yet very important. Your attitude towards looking at life alone can change many things. Thinking positive keeps your mind and body active. Find a way to bring joy into your life by pursuing some hobby, be creative, pamper yourself with a massage treatment, get a pet, believe in sharing, make friends, help your neighbors or simply write a blog every week. A lot can be done if you think positive you can… because when you think you can, you will..!

Ensure yourself a better health this year to live longer… Happier..!

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Why Family Health Insurance Plans are important?

2009-08-11T12:34:00.000-07:00

Health is our most valuable asset and health of our family members is even more precious. Expenses on health care have seen a steady increase in recent years as we and our families are looking for a lifestyle change. Consequently, health insurance and family health plans have gained immense importance. Now, we are not only choosing health insurance for ourselves, but also for our family members. In India, many of us prefer to purchase a family health insurance to avoid financial risk and ensure medical care for the future.

The family health insurance plans are important because:

They provide wider cover than any other health insurance purchased for an individual.
Expanded cover gives you more value in return of the premium paid by you.
The coverage is shared amongst the members of your family, hence your entire family gets protection under a single plan.
Major medical treatments and hospitalization expenses are covered under a single family policy.
Additional benefits like Cashless claim facility, tax saving under section 80D of the Income Tax Act, 1961 are availed to you.
The family policy also covers the expense of your preventive health tests and offers you discounted coupons per family plan.

Family Health Insurance induces greater benefits as we do not have to bear a large portion of the amount from our own pocket. Most of the costs are directly managed by Third Party Administrator (TPA).

Health of our family members is always a matter of concern for all of us. The best way to deal with this concern is to opt for a family health plan. These days, the health insurance covers for your family members can be purchased online. It is a convenient process with no paperwork involved and an instant policy is generated. Having a policy online helps you to print, manage and renew it anytime, anywhere. This way, you can provide perfect protection to the health of your loved ones.
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Make a sound investment for your family: Opt for Family Health Insurance

2009-08-06T13:52:00.003-07:00

Health of our family members is a topmost priority for us. We and our families are exposed to various hazards that can damage not just our physical health, but also our finances. Investing in a family health insurance is the most prudent step you can take to protect at least general health of your loved ones. A Mediclaim or an Health Insurance provides monetary protection in case of unforeseen situations and gives you a peace of mind. Health insurance for your family members comes with a variety of benefits to ensure your family’s well being if your major concern is availing of a quality family plan then you should consider comprehensive plans offered by some of the leading yet reliable insurance companies in India. Let's look at some standard benefits offered in a basic family policy.

A family health insurance plan covers you and your family members against sudden medical contingency.
The policy lists a package of medical benefits such as medical tests, drugs and treatment services. The insurance company charges you a Premium (usually on a yearly basis) to cover you against the risks.
The insurance company agrees to cover the cost of certain benefits listed in your policy. Sometimes, it covers not only the expenses incurred during hospitalization but also the pre and post-hospitalization expenses.
The family policy also covers the expense of your preventive health tests.
In addition to this,you get a tax benefit and can save on your income tax under section 80D of the Income Tax Policy (in India)
Medical requirements of each of your family members are covered and that also in easy premiums.

Apart from covering costs on illness and surgeries, the family health insurance includes coverage for emergencies arising out of acts of terrorism. Cashless facility comes to you across the network hospitals listed on your health insurance company's coverage list. Plus, the family plan offers you a 2-year continuous coverage with no change in premium in the second year. Also, there are some additional benefits when you buy your policy online. It is a convenient process with no paperwork involved and an instant policy is generated. Having a policy online helps you to print, manage and renew it anytime, anywhere. This way, you can save your family’s future by making a sound investment.
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Medical Coverage - Benefits of Insurance Medical Care

2009-08-06T13:52:00.001-07:00

We often get a very little time from our busy schedules to take care of our health. Worries, anxieties, meeting deadlines and working round the day affects health in many ways. We realize the importance of health only when a disease starts affecting some part of our body; hampering the overall health. In such cases, having sufficient health insurance or medical insurance prove to be of great advantage.

Health insurance induces many medical benefits for your absolute well-being. The medical cover of the health insurance or medical insurance policy benefits includes the medical charges in case you have sustained injuries or contracted any disease. In case of a serious injury or disease, you need medical treatment recommended by a medical practitioner. Hence, health insurance, in such times, provides maximum coverage and security.

Medical insurance and cheap medical health insurance covers costs of blood, oxygen, Operation Theater, appliances, anesthesia, X-rays, dialysis, chemotherapy, medicines and drugs, pacemaker, accident insurance, medical insurance, artificial limbs and cost of organs. Those who offer standard Medical health insurance benefits, also provide cashless facility at a variety of hospitals. In this case, those who have tied up with the insurer can enjoy this cashless facility, they do not have to bear a large portion of the amount from their own pocket, because it's directly managed by the Third Party Administrator (TPA).

Health insurance plans including cheap insurance plans and other benefits like health care management and medical care also feature as a part of the medical cover for pre-hospitalization (30 days) and post-hospitalization (till 60 or 90 days after release) costs. However, it only covers the disease or accident, for which you were hospitalized. The medical health insurance cover also includes the amount spent for an organ transplant. However, these are payable by the health insurance policy within limits.

Some of the leading private players are taking initiative in health care management and cheap insurance plans. They have started providing medical care, medical benefits, cheap health insurance plans, accident insurance and dental insurances. Medical and Health Insurance in India covers Individual Medical Insurance, Group Medical Insurance and Overseas Medical Insurance. The Medical Insurance cover includes hospitalization charges and repayment of the amount spent in case of diseases or surgeries.

Under a single Health Insurance policy you get dental insurance done. You can compare medical insurance plans and choose the one that is cheap. The private players cover dental treatment, injuries and emergency. Find out a cheap dental insurance policy to cover your treatment costs. Several insurance companies cover accident insurance for both individuals and families. NRI Accident Insurance and Personal Accident Insurance are some of the most popular accident insurance plans on offer. This way you can make a smarter choice with all the innovative plans that are offered and live with peace of mind.
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How to Get Health Insurance Coverage for a family

2009-08-06T13:33:00.000-07:00

A Family Health insurance offers you medical coverage and various health care benefits in case of unforeseen circumstances. The family health insurance and coverage takes into account the entire health care expenses and long-term nursing or custodial care requirements. To ensure the security of your family, it is imperative that you choose the right health insurance coverage.

Whether you are looking for family health insurance coverage or group health insurance coverage, opt for policies that provide optimum health care benefits at affordable premiums. The health care premium plays an important role while deciding on a health insurance. But always give importance to health insurance benefits and coverage.

The leading health insurance companies today offer group health insurance and family health insurance coverage with affordable premiums. With increasing heath care costs and greater awareness, people are now buying health insurance like never before. To make the most of this huge scope, the insurance companies are concocting various innovative health insurance plans, such as the floater concept and optimum tax saving plans.

The floater insurance is ideal for family's health care needs. It covers the entire family under one insurance policy and one premium. The benefits/ coverage are shared by all the members of the family.

With so many plans in the market, it is important you choose the one that suits you the best wisely. Compare the rates and premiums at which these insurance policies are offered. Also compare the coverage and benefits included. Choose the health insurance plan that satisfies all your health care needs at the best premium. Also check for other benefits, offers or discounts available along with the health insurance plans. These may include free health check up or easy payment facilities.

Apart from affordable premiums, most of the health insurance companies offer a family health insurance plan on a cashless basis. Under cashless settlement of claims, the insurance company pays off the health care institute or hospital directly. Thus, you get the benefit of handling your finances and saving better. The insurance companies offer a range of insurance policies that differ in their extent of coverage. The premium also varies accordingly.

A basic family health insurance coverage includes costs of medical care and treatment of ailments and accidents that need hospitalization. Some insurance companies also offer critical illness coverage. Family health insurance plans also include benefits of tax exemption as stated under Section 80D of the Income Tax Act.
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How to Get Affordable Mediclaim Insurance?

2009-08-01T09:17:00.000-07:00

A question that baffles everyone today is the importance of mediclaim or health insurance. You may consider yourself fit and healthy and see no reason to avail a mediclaim policy. But the truth is that today's hectic lifestyle has taken a toll on our health. We may feel that everything is good right now, but how does one rule out the possibility of falling ill in future? It is important to make provisions for these ill – health times. One can at least avoid or reduce the financial impact in such not-so-good health conditions by availing a medical insurance policy. (Also commonly known as mediclaim insurance or individual insurance cover)

An affordable mediclaim policy not only takes care of an individual's financial requirements, but also provides insurance coverage for the entire family, as long as they are eligible for a mediclaim insurance policy.

Usually, a person of 5 to 75 years is eligible for individual insurance coverage. Children between 3 months and 5 can also be insured under this policy. However, the eligibility of various insurance plans by various insurance providers differs from one another. There is also Group insurance policy and scheme that usually covers groups over 50 people.

Another important aspect to consider while buying an affordable mediclaim insurance or scheme is the coverage within the medical policy. An average insurance scheme provides medical cover that included hospitalization charges, treatment of illness and other basic medical expenses inured by the insurance policy holder. However, there are loads of innovative mediclaim heath insurance plans that cover critical illness, outpatient expenses and more. Compare the coverage of various mediclaim plans available and choose the one that suits you the best.

How does an affordable individual medical insurance policy or a group mediclaim insurance scheme benefit you? Apart form the medical security mentioned above, mediclaim health insurance and medical policy also allows tax exemption under section 80D of the Indian Income Tax Act. One can avail tax benefit for premium paid for health insurance for his family and parents.

Thus, the medical insurance policy or the mediclaim health insurance or the individual insurance coverage not only covers medical costs but also allows tax benefits to the insured.
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Evolution of Mediclaim in India

2009-08-01T09:15:00.000-07:00

The importance of Health Insurance, popularly known as Mediclaim has significantly increased in India in the recent years. Awareness and importance of health and health related issues has induced this growth. Also, people are now more financially smart and pay more attention to their financial planning. They know that health would always not remain the same and hence it is wiser to invest in a comprehensive medical policy

On the other hand, the insurance companies were quick to react to this situation. They saw a market and hence, got out of their shell and evolved. They knew that they had to provide smart medical insurance plans to tap the market.

All these factors have lead to the changing face of the health insurance sector in India. Apart from this, steps taken by the government and the endeavors of the insurance companies are the prime factors inducing this growth.

Contribution of the Government in shaping the Health Insurance Sector -

Providing right information on the health related issues is necessary and in this case, the government has taken valid steps to inform people through different mediums, which has been proved helpful in generating a the accurate level of influence.
The government has intervened whenever the cost of the medical care has become unreasonable. Such government intervention is needed to make the process of medical insurance cost-effective and achievable especially for those who are financial deprived.
The government needs to introduce innovative health care policies to the medical market since medical insurance is an emerging financial tool in meeting health care needs of the Indian population. To implement this reform, the government needs to establish appropriate health infrastructure to support the mediclaim facilities that are offered in the market.
The government has also taken various initiatives to support the growth of the insurance sector such as Tax benefit offered under Sec 80 D of the Income Tax Act.

Endeavors of the Private Companies in promoting the Health Insurance Sector -

The private players in the health insurance sector have supported their customers by providing them affordable and easily accessible insurance. The insurance companies have developed precocious mediclaim insurance policies that not only provide comprehensive coverage but also induce various other benefits.
The insurance companies have given a lot of importance to convenience of the customer. Buying the e-policy online has become a much convenient option with the facility to renew it anytime, anywhere.
Another big step in the health insurance sector is the floater concept, where they cover the entire family in one policy.
Private companies are continuously concocting and improving their products to meet the needs of the people as much as possible. Such steps include various plans that cover critical illnesses, outpatient expenses and others.

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Guide to Mediclaim

2009-07-21T10:39:00.000-07:00

Healthcare involves the services developed to safeguard health, including medical facilities, professional and financial services such as medical insurance. We are exposed to various hazards that can damage not just our physical health, but also our finances. Thus, Mediclaim or Health Insurance becomes significant as it provides monetary protection in case of such unforeseen situations.

It is important to know the basics of Mediclaim, also commonly called health or medical insurance. What exactly does it mean and why is it so important? Read on to know all this and more

What is Mediclaim Health Insurance?

A health insurance or mediclaim insurance policy covers you and your family members against sudden medical contingency. Your health or mediclaim insurance policy is an agreement between you and the insurance company. The policy lists a package of medical benefits such as medical tests, drugs and treatment services. The insurance company charges you a Premium (usually on a yearly basis) to cover you against the risks.
The insurance company agrees to cover the cost of certain benefits listed in your policy. Sometimes, it covers not only the expenses incurred during hospitalization but also the pre and post-hospitalization expenses.

Why buy Health Insurance/ mediclaim?

The health care costs have witnessed phenomenal rise in the current times. Thus, it is important to insure your family's and your health to avoid financial exigencies.
You get a tax benefit and can save on your income tax under section 80D of the Income Tax Policy (in India).
There are different types of Medical Insurance policies available and you can select one as per your needs. The different categories can be broadly classified into.
Individual Medical Insurance - Individual insurance caters to the specific needs of an individual. Premium for an individual insurance is higher than group insurance.
Group Medical Insurance - Group medical insurance offers insurance cover to a group with a common trait – it may be employees of a company, members of a club or an association or members of a co-operative society etc. Many employers now provide medical insurance as a perquisite to their employees.

Make a wise decision while purchasing a Mediclaim

The Medical Policy insurance market has evolved exponentially in the last few years. Currently, there are a number of innovative policies offered by various insurance companies. Additionally, there are various add on schemes such as a free health check up coupon, no interest EMI facility etc. Do check on all these to get a better deal. Also, prefer to buy your policy online. It is convenient with no paperwork involved and an instant policy is generated. Having a policy online make sit much more easier to manage and renew it.
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General Insurance for Family

2009-07-21T10:37:00.000-07:00

We all have family that we care for, those who are close and special to us. They are the one who makes the world a better place to live in and makes life a lovable journey. You want to bestow all that you can to ensure their happiness and security. At the same time, you are busy and sometimes unable to manage all that is necessary. Addressing this concern, today financial institutions and insurance providers, both public and private are striving hard to provide services that shares your responsibility towards your family.

ICICI Lombard General Insurance, number 1 private general insurer in India, specializes in products that can ensure you peace of mind. Whether you want the best health package, a home insurance plan, or comprehensive travel insurance for your family, we are there to help you….at every step.

With ICICI Lombard you can avail a range of innovative products. With our Family Floater Plan you can provide necessary health coverage to all family members. Entire family protection can be availed under this one policy for just one premium. The sum insured extends to each member of the family. You do not have to maintain different policies for different member. That means your maintenance hurdle is largely reduced and you spend your money wisely.

We also provide other health products tailor-made to your needs and situations. Critical Care, Health Advantage Plus and Personal Accident Insurance meets the requirements your financial decisions and security needs demand.

With countless warm memories, your home is certainly your most valuable asset. And you would want to have the best security for it. Hence, buying a home insurance policy is an important step. This is one place you would not like to compromise on. ICICI Lombard’s Home Insurance is designed keeping this in mind.

Our Home Insurance plan protects the structure and contents of your home against various forms of common losses like fire, earthquake, explosion, damage due to impact by vehicles, etc. Besides, you can also avail 15% discount on a 3 years home insurance policy and 25% discount on 5 years policy.

Going for a holiday trip is one of the greatest pleasures you can give to your family. Your plan of a dream trip abroad is now resulting into a reality and obviously you dot want anything to ruin your holiday. Get Overseas Travel Insurance from ICICI Lombard that provides you the care you and your family needs while traveling. Right from covering trip cancellation to baggage loss, our plan covers financial emergency assistance and medical evacuation.

We understand that different people have different needs and hence offer you a choice of various products to suit your needs. We also understand the value of your hard earned money and thus charge on a pay per day basis, rather than the usual slab rate, so that you pay exactly for the number of days you travel and not more.

We at ICICI Lombard, understand the importance of time and know that all of us have a busy schedule. To share this concern, we have Buy Online facility whereby you can get policy whenever you want. The Internet will route you to us within few seconds and you can get quotes, compare plans and buy instantly in just 10 minutes. what's more? the digitally signed policy generated is a legal document and you can access it online and take out prints anytime, anywhere. Log on to www.icicilombard.com to avail this.

Since our inception, we have kept our promise of offering better deals to the customers because we prioritize our customer’s emotions with their family and their hard-earned money. Build a relationship with us and we assure you enjoy life and minimize your worry between your insurance needs.
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Tax Planning? Buy Health Insurance for Tax Benefits

2009-07-21T10:34:00.000-07:00

With rising costs of health care, health insurance has become a necessity in today's world. Apart from taking care of your medical emergencies, it also doubles as a good investment option.

Under Sec 80(D) of Indian Income Tax Act. an individuals gets a deduction for up to Rs. 15,000 p.a. when he buys a health care insurance for his family. The rebate is Rs.20,000 for senior citizens. The premium you pay is directly deducted from your salaried income, thus reducing the taxable income to that extent.

The amount you save is your bonus which you can treat as an investment return. Hence, buying health insurance not only provides protection for yourself and your family but also saves you from fund liquidation in the form of tax.

Whether you buy Individual Health Insurance policy or a Family Health Policy, you get tax rebate, under Sec 80(D). You can get additional tax benefit for up to Rs.15,000 when you buy health insurance policy for your parents. If your parents are senior citizens, the benefit is up to Rs.20,000. This is exclusive of tax benefit for up to Rs. 15,000 for self and dependent family. That means that an individual can now avail a rebate for up to Rs. 35,000. Click here to calculate your tax-savings now.

ICICI Lombard offers host of health care insurance policies - Critical Care Insurance, Family Floater Plan, Personal Accident insurance and Health Advantage Plus. Choose from these multiple plans as per your needs and situations.

The Health Advantage plus policy is available for all ages between 5-65 years and for senior citizens aged 66 and above (renewable up to 70 years). It is a unique health insurance policy that covers unexpected medical emergencies like hospitalization costs as well as Outpatient Treatment Expenses (OPD) in the form of reimbursement of cost of medicines, drugs, ambulance charges and dental costs. Show your parents you care by gifting this policy to them. Apart from the Income tax benefits (as mentioned above) you can be assured that your parents health is taken care of , even if you are not able to be physically present with them in time of a medical emergency.

And whats more! You can buy all these polices on line! No matter where you are, you can secure your family's health in just a few clicks. Its hassle-free and does not involve any paperwork. Get a free health insurance quote online. Fill in the required details and buy the policy... It hardly takes few minutes.
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Family Health Insurance

2009-06-25T07:18:00.001-07:00

Family health insurance is an insurance policy that covers the entire family under a single policy. Like an individual plan, family health insurance plans provide the benefits of medical expenses, surgery, emergency treatment, dental and mental health care.
There have been huge developments in the field of medical sciences but emergencies never come with a warning. The rising cost of medications and hospitalization can drain a person’s finances. It thus becomes important to avail health insurance coverage that can serve as a shield against unavoidable circumstances. Adequate health insurance coverage can defend you and your family in times of unforeseen situations.

Key Benefits of Family Health Insurance

Family health insurance is a single-policy insurance that covers the entire family. It can be availed by anyone in the family, but the benefits extend to each member.

Family health care insurance requires the family to pay single premium. The entire family is covered under a single premium, thereby ensuring good cash value for the customer.

Family health insurance provides unique floater benefit. This means that each member in the family is covered up to the entire sum insured of the policy. For e.g., Mr. X, his wife and daughter are covered for Rs. 1 lac each, under a regular individual health policies paying three different premium (for each policy). During medical emergency, say, the surgery and hospitalization bill of his wife amounts to Rs. 1.5 lac, their regular health policy would cover only Rs 1 lacs while Mr. X would have to pay Rs. 50,000 from his pocket. However, in a family health insurance, the cover of Rs. 3 lacs would be shared among the entire family. Thus providing each member a cover of Rs. 3 lacs. Mr. X would thus have the entire Rs. 1.5 lacs medical expenses covered for his wife.

With a family health insurance, the maintenance hurdle is largely reduced. If you go for regular health insurance for your family, you have to look after 3-4 policies. Whereas with family health care insurance, you maintain just one policy that takes care of the entire family.

Family health insurance is unique in the sense that you pay for a single premium you get coverage for each of the family member. It is advisable to buy your policy online. It is hassle-free since it does not require any paperwork. You provide the required details and get policy instantly. Unlike the traditional process, the entire process is transparent as you can assess the policy details and decide on your own. Besides, you can also get online quote from different providers. In a world of 24x7, do make use of this technology to secure yourself and loved ones.

For Affordable Health Insurance Plans click here
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Points to ponder while buying a health insurance policy

2009-06-25T07:11:00.002-07:00

Health care is an integral and critical concern of any household. Your family means a lot to you. Protecting your family against any untoward medical contingency is your top priority. However, with wide array of products available in the market, taking a decision becomes difficult. The following points are worth pondering over before buying a health policy.

Cost-benefit Ground:
Cost is a critical factor in the entire decision making process for buying a policy. The cost element depends upon the number of dependent members in the family. In simple terms, a dependent is a person relying on the individual financially. Thus, you have to watch out for the fact that the cost of buying should justify the benefits covered under the policy. In other words, you have to strike a right balance between the cost and benefits available.

Adequate Cover:
Adequate cover refers to your need to cover your entire family (i.e.spouse, children and your dependent parents). Thus, you should opt for a policy, which covers your family at a minimal cost. Consider a floater policy which would cover your entire family more efficiently.

Age Factor:
Age is another critical factor that needs to be taken into account. In case of children as well as parents, the age factor becomes more important since beyond a particular age, coverage might not be possible. The required age for buying a policy would vary from insurer to insurer.

Are You Covered By Your Employer:
Are you covered under any health insurance plan of your employer? If yes, check out whether your dependents are included under the cover. If not, then you need to find a solution for your dependents.

Even if you are covered by your employer, remember that you are covered only for the period you are employed. If you change job or retire, you and your family will be stranded in case of medical contingency.
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ICICI Lombard Health insurance VS mediclaim

2009-06-25T07:11:00.001-07:00

Health Insurance, popularly known as Mediclaim in India, offers protection in case of unexpected medical emergencies. In case of a sudden illness or accident, the mediclaim policy takes care of the hospitalization, medical and other costs incurred.

There are lots of general insurance companies (both public and private) in India offering health insurance. But what sets ICICI Lombard's health insurance policies apart? Why should one choose ICICI Lombard over others? Following are a few reasons why

Wide range of plans
We offer you not just one but four innovative health insurance plans to choose from. Each plan is carefully designed keeping individual needs in mind and offers something unique (in addition to the usual mediclaim policies) to suit your specific needs.

Huge network of hospitals
We have one of the largest networks of hospitals. Avail cashless settlement of claims in more than 4500 hospitals across the country.

One policy for the entire family
ICICI Lombard is a pioneer in the family floater concept – where the entire policy is covered under one single policy with one single premium.

The convenience of buying online
One of the first general insurance companies in India to offer policies online. One can now insurance policies in just a few clicks of the mouse.

Access policy anywhere, anytime
When you buy online, a digitally signed policy is generated instantly. This policy is available 24X7 online, and can be accessed from any place in the world. The customer can take prints instantly. (The hard copy of the policy shall be couriered to the customer which will reach him/ her within 2 – 3 days.)

Instant policy, no paperwork, 0% EMI
When you buy a policy online from ICICI Lombard, no paperwork is required. You just need to fill in the required information and the digitally signed policy is generated instantly. Also, you can pay online through ICICI Bank Credit Card at 0% EMI (interest-free EMI).

Track your claims online
Not only can you buy health insurance online, you can also track the status of your claim online.

Renew online
When your health policy is due to expire, you can renew it online in just a few minutes.
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Key concepts of Health Insurance

2009-06-05T12:41:00.003-07:00

What is health insurance?
A health insurance policy will provide a cover to you and your family against sudden medical contingency or bodily injury.

Why health insurance?
Every human being is exposed to various health hazards.
Medical emergency can strike anyone without pre-warning.
Inadequate facilities in government hospitals
Private hospitals are too expensive
Medicines have become quiet expensive
Diagnostic charges are beyond common man’s reach
Specialists come at a price
Tax benefit under section 80 D of the Income Tax Act
Health risk is a personal risk, which could arise from various factors viz.
a) Physical condition
b) Psychological condition
c) Accident related
d) Occupational related
e) Environment related
f) Life style related
g) Travel related

What is the kind of medical emergency that can strike?
A medical emergency can be:-
Medical illness
Injury / Accident
Major illness
Critical illness
Chronic illness
Untreatable
Terminal

What impact will a medical emergency have on you and your family?
A medical emergency can
Burn a hole in your pocket
Immediate need for medical aid
Loss of quality life
Loss of career options / Income
Disruption in home life
Mental trauma and incapacitation

What does a standard insurance policy cover?
A standard health insurance covers :
Room and boarding expenses provided by the hospital
Nursing expenses
Diagnostic and medicine expenses
Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees
Anesthesia, blood, oxygen, operation theater expenses, cost of surgical appliances, medicines and drugs and similar expenses
Pre-hospitalization and post hospitalization expenses subject to conditions and limits .

What are the benefits of buying health insurance at a young age?
Health insurance premium tends to increase with age -- more the age, higher the premium.
You can be covered for medical conditions that may be diagnosed over the years provided there is no break in the policy.
In addition, each `no claim’ year would fetch you a discount on your premium or an increase in your sum insured amount at no extra cost. The treatment in case of ‘no-claim’ bonus varies from company to company.
Lastly, income tax benefit under Section 80 D of the Income Tax Act.

How is premium determined?
Premium depends on several factors viz.
Your age
Amount of coverage required
Number of family members covered
Other additional benefits
Your health condition
Your income \ earning

How does a health policy differ vis-à-vis a life insurance policy?
The health insurance plan is more comprehensive in its coverage. All expenses involved in hospitalization fall under its purview. Life insurers usually cover critical illness and hospital cash extensions (only room rent charges) on life policies, which do not include doctor’s fees, expenses incurred on buying medicine and surgery costs etc.

Why is it important to disclose health details when I buy a policy?
Mention of details is critical since insurance companies assess the policyholder’s risk profile on the basis of his/her health. An insurance contract works on the principal of “utmost good faith”, which implies that information furnished by a policyholder is true and correct. Moreover, non-disclosure can also lead to rejection of a claim.
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ICICI Lombard Health Insurance

2009-06-04T07:07:00.002-07:00

Online Health Insurance - Avail Insurance in Minutes
August 03, 2009
If you are planning to purchase a health insurance policy to cover the health related risks of you and your family members, we suggest that you buy it online. Notable health or general insurance companies offer policies online, which give you instant coverage and other credible benefits.



How to reduce expensive Medical costs?
July 27, 2009
The cost of health and health related services are increasing day by day. One of the smarter ways to cover such medical costs or medical expenses is to buy Health insurance and ensure medical care for the future. Know more how to reduce expensive health care costs of medical insurance



Health Insurance Tips - Monsoon Health care
July 24, 2009
With a little care and health insurnace tips, you can keep the monsoon troubles at bay. A comprehensive medical health insurance will aid you in case you have chronic health problems. Read more to know the basics of Monsoon healthcare.



Exercising in Monsoon
June 30, 2009
Exercise can be fun during monsoon, here are some tips which help you to regulate the exercise and stay active, fit and healthy during this rainy season.



Healthy weight Loss in a Natural Way
June 24, 2009
The best way to achieve healthy weight loss in a natural way is through daily intake of natural health foods in a proper way to be healthy and feel better.



5 Tips to get a Renewed Health this year
June 19, 2009
Follow some simple health and wellness tips to achieve sound health through well balanced diet, regular excercise, adopting some healthy habits to live healthy living and enjoy better life.



Why Family Health Insurance Plans are important?
May 22, 2009
In India, many of us prefer to purchase a family health insurance to avoid financial risk and ensure medical care for the future.



Make a sound investment for your family: Opt for Family Health Insurance
May 15, 2009
Investing in a family health insurance is the most prudent step you can take to protect at least general health of your loved ones. A Mediclaim or an Health Insurance provides monetary protection in case of unforeseen situations and gives you a peace of mind.



Medical Coverage - Benefits of Insurance Medical Care
Jan 30, 2009
The medical cover of the health insurance policy benefits includes the medical charges in case you have sustained injuries or contracted any disease.



How to Get Health Insurance Coverage for a family
Jan 12, 2009
A Family Health insurance offers you medical coverage and various health care benefits in case of unforeseen circumstances.



How to Get Affordable Mediclaim Insurance?
Jan 07, 2009
A question that baffles everyone today is the importance of mediclaim or health insurance. You may consider yourself fit and healthy and see no reason to avail a mediclaim policy.



Evolution of Mediclaim in India
Nov 21, 2008
The importance of Health Insurance, popularly known as Mediclaim has significantly increased in India in the recent years. Awareness and importance of health and health related issues has induced this growth



Guide to Mediclaim
Nov 21, 2008
Healthcare involves the services developed to safeguard health, including medical facilities, professional and financial services such as medical insurance



General Insurance for Family
Sep 08, 2008
We all have family that we care for, those who are close and special to us. They are the one who makes the world a better place to live in and makes life a lovable journey.



Tax Planning? Buy Health Insurance for tax benefits
July 21, 2008
With rising costs of healthcare, health insurance has become a necessity in today's world. Apart from taking care of your medical emergencies, it also doubles as a good investment option.



Family Health Insurance
July 10, 2008
Family health insurance is an insurance policy that covers the entire family under a single policy. Like an individual plan, family health insurance plans provide the benefits of medical expenses, surgery, emergency treatment, dental and mental health care.



Points to ponder while buying a health insurance policy
June 30, 2008
With wide array of products available in the market, taking a decision becomes difficult. The following points are worth pondering over before buying a health policy.



ICICI Lombard Health insurance VS mediclaim
June 25, 2008
There are lots of general insurance companies (both public and private) in India offering health insurance. But what sets ICICI Lombard's health insurance policies apart? Why should one choose ICICI Lombard over others? Following are a few reasons why.



Key concepts of Health Insurance
June 24, 2008
All the basics of Health Insurance explained in an easy question and answer format.

Personal Accident Insurance - Astra Insurance Indonesian Company

2009-05-24T14:19:00.001-07:00

Understanding from Personal Accident Insurance

Personal Accident (PA) Insurance give protection for the insured to the the happening of accident* by decent payee when pass away / permanent disability or give the medication indemnification if pain or temporary disability.

Responsibility object in PA Insurance

Responsibility object in this insurance is human soul or body “assessed with a number of moneys”.

the Responsibility condition be available in PA Insurance divided become 3 kinds of :

Cover A (pass away)

Cover B (permanent disability)

Cover C (expense of treatment of hospital)

The risks guaranteed in PA Insurance:

Driver / passenger of riot and also motorbike, devilment and strike.

The risks is not guaranteed in PA Insurance:

If insured people :

Act as driver of motorbike

Join in air transport (besides as valid passenger)

Join in prizefighting, wrestling, jujitsu, judo, rugby, hockey ices, ski, tobogganing, mount the above of mount in height 2500 m, extortion in glacier, dislodge of big animal or sail alone, or preparation to join in competition, record breaking and race efficiency with vehicle or horse

Designedly do badness or become the personnel a deed of badness

As for underwriter side is under no obligation to pay the compensation for caused accidents

During and effect on military duty, war or all situations of war except can prove that pertinent accident there no any relation with or possibly because of an occurrence exempted from this rule

Accident is here is :
Sudden and is not anticipated

Come from outside and seen

Is accompanied by the hardness of physical or chemical

In the form of body hurt

Direct and single

Arise from or happened when happened the atom nuclear reaction

Increased hard of that effect of accident through the the situation at sentence italics above, be like diabetes, circulation of unfavorable blood, vein varicose, blindness of one eye if other eye have been hit, in the case of intestinal rupture (hernia), heat because the sun (sunstroke), chilled, or heat is not given by the compensation

the Accident effects and because of negligence / flippancy (gross negligence), or with intention / conditional or wrong intention (guilty or conditional intent) or with permit / knowledge of the party that covering of insurance, insured people or rightful claimant accept the compensation

This rule not applicable if accident because of saving, try to save, advocate or protect the their self, others, goods or animal, except the matter written in oblique sentence at this paragraph.

The data must be given to insure in PA Insurance:

Name and address the insured

Date of birth the insured

Gender

Heir name

Work / area of effort

Responsibilities amount

Responsibility duration

Despite fully, there is boundaries for underwriter to do acceptation this self Accident insurance, that is : company employees status (employees fixed, contract or trial) and the minimum amount of participants are 25 insider of 1 company.

* Accident is here is:

Sudden and is not anticipated

Come from outside and seen

Is accompanied by the hardness of physical or chemical

In the form of body hurt

Direct and single

Property All Risk / Industrial All Risk Insurance - Astra Insurance Indonesian Company

2009-05-24T12:11:00.001-07:00

Understanding from PAR / IAR Insurance

PAR / IAR Insurance give protection to the insured to the an occurrence is unforeseen in character and happened suddenly in the insured location as long as don't in exempting by policy. Policy this type of categorized as " All Risks Policy", where guaranteed risk is not mentioned but only mentioned exemption.

Responsibility object in PAR / IAR Insurance

This insurance underwrite all forms property and industrial. But that way is exception (the property don't become responsibility object) be like :

1. Money, cheque, stamp, securities, gem and gold
2. attached glass
3. other Glass object
4. Electrics installation, computer & data processing equipment However this matter cannot be exempted when because of fire, thunder, detonation, downfall of plane and also RSMD, Earthquake, Flood, Windstorm and leakage of pipe. Except specific mentioned that The insured hold or keep goods on the basis of trust or on the basis of commission, document, manuscript, business book, note of computer system, pattern, model, printing and plan design which explosive
5. The vehicle wearied for habit / is Used in public street, vehicle of cart, trailer, cart rel, vehicle of water, airplane, spaceship or of a kind that
6. Goods is on the way outside the location written in schedule policy
7. The object is in the process of construction or installation (erection) and the supply or goods of that related with the mentioned
8. Land (including foundation, system dismissal of water), take the air in location, base race, road rel, water supply barrage, canal, water pipe, bridge, equipments of subterranean mining
9. Livestock animal, tree or crop
10. damage object as result / effect of itself object production process (Scrap or Defected Goods)
11. The machine during process installation of installation, evacuation or installation return when direct to the manner born relate to the operational activity
12. Specific object closely by separate Insurance
13. Object or goods which is on moment known the existence of damage truly have there are handicap / damage before all which in fact accounted by Marine Insurance
14. Damage boiler, turbine or vehicle of other machine

The risks guaranteed in PAR / IAR Insurance:

In principle include all risks that happened suddenly and cause loss or damage of physical to the responsibility object as long as is not exempted in policy. Simply, the guarantee given by policy PAR / IAR is:

* The damage because of burning, thunder pouncing movement, detonation, downfall of plane
* Riot, strike, riot, devilment
* Is bumped by the vehicle or animal
* Earthquake, hurricane, floods
* Break of other damage and water pipe or tank

The risks is not guaranteed in PAR / IAR Insurance:

* Damage to the object responsibility because of mistake or damage design hidden workmanship danger or material, transformation to destroy / handicap or deviation which have become the nature of from itself object
* Is desisted by the of water supply, gas, electrics, or fuel system or damage of dismissal system to and from location
* The downfall or collapse of building
* Damage of rust effect / timeworn
* Deception dishonesty or, burglary : except existence of hardness element (incl. Burglary)
* The loss cannot be explained (related to filing or accountancy)
* Boiler suffer the cart, broken, fall or abundant heat
* Mechanical or electrical breakdown or mistake in installation of machine or supply
* Explosion or leak of water / pipe channel when is not wearied / empty
* Slide of or erosion that happened of coast or riverbank
* Go down it or arise surface of land or slide
* the Geology structure changing normally
* Wind, rain, snow or hail, the dirt or sand hit the objects located in outside or building or open place
* Coagulation of refrigeration effect or not carefully at the time of removing the liquid goods

Beside all the things above, policy PAR / IAR don't guarantee

* The damage because of or emerge from action / the negligence intended to the each and everyone which act for the the insured
* The desisting it or delay of loss marketing or work or all consequences or loss indirectly or any of that mention

Policy PAR / IAR this don't guarantee damage that happened directly or indirectly by or through or as consequence from every occurrence :

* War, invasion of invasive external enemy or the operation look like war of bad declaration good and or that is civil war
* Badness by the military or civil party having an eye to revolutionize
* Actions the terrorism done by personal and on behalf of selected organization
* Loss of ownership of permanent good and whereas in consequence of nationalization or taking control by side in charge
* Loss of ownership from each arising out building in consequence of usage of the building impinge the law
* Mutilation of responsibility object of command of side in charge / government
* Nuclear weapon, radiation ionization or contamination radio-activity of nuclear fuel or from nuclear garbage coming from burning of nuclear fuel

The data must be given to insure into PAR / IAR Insurance:

* Name and address the insured
* Location properties the insured
* Detail properties the insured (Building, Stock, furniture, Mechanic equipments, etc)
* Construction building materials
* The used Lighting type
* Usage and usage occupation
* Building distance to be insured with vicinity building along with construction and the occupation
* Fire station closest
* The available Type fire company appliances amount and in responsibility location
* Wide responsibility guarantee

Money Insurance - Astra Insurance Indonesian Company

2009-05-24T12:08:00.000-07:00

Understanding from Money Insurance

Money Insurance give protection for the insured of loss of finance that happened effect of unloading of of strongbox / strong room where the money is kept, accompanied the existence of hardness marking or by using got key passing the constraint, and is altogether done by outsider.

Responsibility object in Money Insurance

That underwritten in this insurance is money cash, stain bank, currency stain, money order and cheques.

the Responsibility condition be available in Money Insurance:

Basic cover (cash in safe)

Extended cover (cash in counter area, cash in cashier box, cash in ATM and RSMD / RSCC)

The risks guaranteed in Money Insurance:

Loss of effect finance unloaded by force of strongbox / strongroom or other way accompanied by force the spurious key or constraint, by others.

Responsibility condition cash in counter area give the guarantee of loss of threatening with weapon effect finance, robbery, intake is by force by others, the money kept in desk area counter. This protection is given during office hours.

Responsibility condition cash in cashier box give the guarantee of loss of threatening with weapon effect finance, robbery, intake is by force by others, the money kept in case of cashier. This protection is given during work hours in cashier area.

Responsibility condition cash in ATM give the guarantee of loss of threatening with weapon effect finance, robbery, intake is by force by others, the money residing in in machine ATM.

The risks is not guaranteed in Money Insurance:

Loss arising out risk and effect of mistake calculation

Dishonesty of the insured / laboring people at the insured

Opened by safety with combination code or key, except key or the combination code is obtained by force

Under observation security company

Coin or machine that use the coin

Destroy of postage machine or other machine

Happened without enforcing and damage of physical

SRCC, war of revolution, military action and of a kind him

Nuclear reaction and atomic nucleus

Occurrence outside Indonesia region

Data to be given to insure into Money Insurance:

Name the insured

Location / depository address of money

Business that run by the insured

The amount of optimum kept moneys

The type of depository appliance money / specification of strongbox

Construction, building environment and security

Are there custody (police or security), do custody provided during 24 hour

Insurance before all

Loss ratio

Directors and Officers (D&O) Legal Liability (special) - Astra Insurance Indonesian Company

2009-05-23T15:43:00.001-07:00

Understanding from D&O Insurance

D&O Insurance addressed to give protection for executive & officer in company so that freeing from the risk decision making of the business they do where third party can claim it.

Responsibility object in D&O Insurance

Responsibility object in this insurance is prosecution of third party effect of made by decisions of executive party and officer the company when doing its business activity.

The risks guaranteed in D&O Insurance:

Prosecution of third party, including costs to do the defense (defense cost).

The risks is not guaranteed in D&O Insurance:

Things related to intentional element

Things related to bribery

Majority shareholder

Professional indemnity

War, terrorism

Radioactive and pollution

The demand instruct to injuring the body or damage / loss of property

Data to be given to insure in D&O Insurance:

Fill proposal form the

Annual report last, which have been made an audit of by external of auditor

Last financial statement

Curriculum vitae for director and commissary

Automobile Liability Insurance - Astra Insurance Indonesian Company

2009-05-23T14:50:00.000-07:00

Understanding from Automobile Liability Insurance

Automobile Liability Insurance guarantee prosecution of third party of the negligence resulted of usage of the motor vehicle done by the insured side, where third party get natural injured body and / or damage / loss to goods property of him.

Responsibility object in Automobile Liability Insurance

Which become responsibility object in Automobile Liability Insurance is prosecution of third party effect of negligence of the insured in operating his vehicle.

The risks guaranteed in Automobile Liability Insurance:

Prosecution of third party, including costs to do the defense (defense cost).

The risks is not guaranteed in Automobile Liability Insurance:

Things related to intentional element

War, riot and terrorism

Hal–Hal related to the demand having the character of penalty and penalization

Product liability including product recall

Radioactive

Workman’s compensation and employers liability

Asbestos

Aircraft and watercraft liability

Professional liability

Property in observation element or ownership of the insured

The data that must be given to insure in Automobile Liability:

Vehicles amount

Vehicle type

vehicle

Location frequently usage of vehicle