Month: November 2023

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bajaj allianz

What are the Benefits of Bajaj Allianz Health Insurance? (Top Benefits)

benefits of Bajaj Allianz Health Insurance

What are the Benefits of Bajaj Allianz Health Insurance?

Bajaj Allianz is a joint venture between Bajaj Finserv Limited and Allianz SE, a European-based finance organisation. Bajaj Allianz offers multiple health plans for senior citizens, individuals, family plans, etc. From offering comprehensive coverage to 100% sum restoration, the benefits offered by the plans are many.

In this article, we will explain to you all the benefits offered by Bajaj Allianz Health Insurance.

Benefits of Bajaj Allianz Health Insurance

Following are the benefits of the health plans offered by the company:

 

  • Comprehensive Coverage: Health insurance plans by Bajaj Allianz offer extensive coverage that offers a broad spectrum of protection. Their health plans cover hospitalisation, domiciliary expenses, multiple daycare treatments, ambulance charges, and so on.
  • Cumulative Bonus: Bajaj Allianz health plans provide the benefit of a cumulative bonus that increases your sum insured as a reward for claim-free years. The cumulative bonus offered in the health plans ranges anywhere from 10% to 100% of the sum insured.
  • Ayush Coverage: Health plans offer coverage for AYUSH treatments that include Ayurveda, Unnani, Siddha, homoeopathy, and so on. Ayush coverage is provided to offer an extra cushion of safety to the policyholder in case of medical contingencies.
  • Cashless Treatment: Bajaj Allianz offers cashless facilities to its policyholders at their network hospitals across India. In a cashless facility, the insurer will directly settle the medical bills with the hospital without pinching a hole in the policyholder’s pocket.
  • Daily Cash Allowance: This feature offers a daily cash allowance to the policyholder for a certain period of time. The insurance company provides a specified amount for every day of hospitalisation, compensating for the loss of income.
  • Sum Restoration Benefit: Health plans offered by the company come with restoration benefits. This automatically replenishes your coverage up to the 100% sum insured once exhausted.
  • Maternity Coverage: Multiple health plans also offer maternity coverage that covers delivery expenses, c-sections, newborn baby expenses, vaccinations, and much more.
  • Tax Benefit: You can claim a tax deduction on premiums paid under Section 80D of the Income Tax Act.
  • Critical Illness Treatment: Health plans by Bajaj Allianz offer critical illness coverage that is prolonged and fatal in nature. Life threatening illnesses like heart ailments, liver failure, cancers of varying intensity, and more will be covered. The company will offer a lump-sum payout as a form of compensation for treatments as well as other costs of medical support.
  • Lifelong Renewability: This feature offers lifetime renewability, which allows the policyholder to renew their health insurance plan without any restriction on age. With this lifetime renewability feature, you can enjoy continued renewal for your entire life. Also, for senior citizens, this feature reduces any financial pressure in case of a medical emergency with a continued renewal of their health plan.
  • Wellness Benefits: Wellness benefits like a concession in renewal fee, vouchers for supplements, boosters, free health checkup, and so is added as bonus in plan coverage. These wellness benefit offers the extra financial support to the insured and its family members.

Why choose Bajaj Allianz?

  • Claim Settlement Ratio: The company has a robust claim settlement ratio of 96.59%, which indicates the company is dedicated to settling genuine claims in trying times.
  • Network Hospitals: Bajaj Allianz Health Insurance has more than 8000+ network hospitals, which gives you a vast range of hospitals to choose from. You can avail of cashless treatment in these hospitals without worrying about paying the hospital bill from your pocket.
  • Dedicated Customer Support: Bajaj Allianz provides 24/7 dedicated customer support to its policyholders at all times. The company also strives to settle claims within 15 working days from the date of registering the claim.
  • Pre-Medical Test Not Needed: Most health policies offered by the company do not require individuals to undergo medical examinations before purchasing the policy.

Health Plans offered by Bajaj Allianz

Sr No

Plan Name

Plan Type

1

Bajaj Allianz Health Guard Plan

Individual/Family Floater Plan

2

Bajaj Allianz Health Infinity Plan

Individual Plan

3

Bajaj Allianz Critical Illness Plan

Individual Plan

4

Bajaj Allianz Criti Care Plan

Individual Plan

5

Bajaj Allianz Global Personal Guard Plan

Individual Plan

6

Bajaj Allianz Extra Care Plus

Top Up/Family Floater Plan

7

Bajaj Allianz M Care Plan

Individual/Family Floater Plan

How long does it take for claim settlement with Bajaj Allianz?

It takes anywhere between 7-15 working days to settle claims.

How to buy Bajaj Allianz Health Plans?

You can visit the official website of Bajaj Allianz to buy the plans.

What are wellness additions in Bajaj Allianz Health Plans?

Wellness additions like concession in the renewal fee, vouchers for supplements, boosters, free health checkup, etc. are added as bonuses to the plan.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Aditya Birla Health Insurance

What is covered in Aditya Birla Health Insurance?

What is covered in Aditya Birla Health Insurance
What is covered in Aditya Birla Health Insurance

What is covered in Aditya Birla Health Insurance?

Are you wondering what are the inclusions and exclusions with Aditya Birla Health Insurance? Let’s check out some of the most important inclusions and exclusions with Aditya Birla Health Insurance. The following are some of the most noteworthy inclusions and exclusions with Aditya Birla Health:

  • What is Covered with Aditya Birla Health (Inclusions)

  • What is Not Covered with Aditya Birla Health (Exclusions)

What is Covered with Aditya Birla Health (Inclusions)

Firstly, what is covered under Aditya Birla Health Insurance is dependent on the kind of health insurance policy a policyholder opts for. Different health insurance policies will have different inclusions. That being said, mentioned within are some of the general inclusions that are covered under Aditya Birla Health:

  • Maternity Expenses
  • In patient hospitalization expense
  • Daily cash expense
  • Day care treatment expenses
  • Pre and post hospitalization expenses
  • Home treatment expenses
  • Ayush / Alternative treatment expenses
  • Free health check up
  • Organ donor expenses
  • Ambulance expenses

What is Not Covered with Aditya Birla Health (Exclusions)

Again, let us now talk about some of the exclusions of Aditya Birla Health. Mentioned within are some of the general exclusions and they can differ from policy to policy:

  • Cosmetic treatments
  • Abortion related expenses
  • Suicide and suicide attempts
  • Illness during waiting period
  • Mental illness
  • Expense arising out of war or warlike conditions
  • Sexually transmitted diseases
  • Congenital Anomaly
  • Event arising resulting from the insured person committing any breach of law
  • Expenses arising due to substance abuse
  • Sex change expenses

Source: https://www.adityabirlacapital.com/healthinsurance/assets/pdf/20171222T141512.pdf

It is extremely important that you consult the prospective insurance company before buying a health plan. Ensuring that you are well aware of the inclusions as well as exclusions of a health plan prior to making a purchase will ensure that you end up with a perfect health insurance policy for yourself and your family.

You can also reach out to a health insurance agent and ask him out the up to date inclusions and exclusions of Aditya Birla Health.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Health Insurance

Is ₹2 Lakh Health Insurance Enough?

Is 2 Lakh Health Insurance Enough

Is ₹2 Lakh Health Insurance Enough?

Is ₹2 lakh health insurance enough in today’s day and age? Well, keeping in mind the rampant cost of living and the even faster moving health care inflation, ₹2 lakh insurance cover would most likely not cover the complete cost of emergency treatment for policyholders.

Let us further break down the rationale why ₹2 lakh health insurance coverage is no longer sustainable in 2023.

Rampant Medical Inflation

Medical inflation in India has been rampant over the course of the last few years. In fact, medical inflation is highest in India compared to all Asian nations. The medical inflation in India is at 14% as of 2022. This essentially means that the cost of medical treatments is increasing at 14%

This is much higher than the general inflation rate of 5.72%. This is one of the most important reasons for increasing your health insurance coverage.

Expensive Treatment for Critical Illnesses

The cost of critical illness treatments has continuously been increasing over the years and this is expected to continue. Critical illnesses include neurological, cardio-issues, cancer, and more. These issues have the potential to drain a person’s finances over the course of many months and even years.

It is absolutely imperative that a person has safeguards in place against the costs emanating from treating critical illnesses.

General Inflation is also increasing

The general inflation in India has been increasing from 3.3% in 2017 to 5.7% in 2022. It is now projected to go over 6%. As the general inflation in India increases, so does the cost of all goods and services, making everything more expensive, thereby decreasing the efficiency of health coverage.

Floater Plans should have higher coverage

A floater health insurance policy is a policy that covers all members of a family, thereby increasing the number of people covered under a single health insurance policy. A lot of people today are opting for a floater health insurance policy and it is gaining in popularity.

A person needs to be cognizant of the fact that he needs a sufficient coverage if he aims to adequately protect all his family members.

Outpatient Expenses

Outpatient expenses need to be factored in while buying an insurance policy. A health insurance policy with low coverage usually excludes outpatient expenses therefore it could be a prudent choice to ensure that you buy a health policy with outpatient coverage.
Different costs in different Geographical locations

It is possible that the policyholder may travel across the country. If he or she does so, it is extremely important for them to realize that different parts of India have different medical expenses. A village or a town will have lower medical expenses compared to tier 1 and tier 2 cities. Keep this in mind.

Pre and Post Hospitalization Expenses

People usually do not factor in the costs associated with pre and post hospitalization before selecting the coverage of their health plan. A policy buyer needs to ensure that his plan offers adequate pre and post hospitalization coverage.

These are some of the most important reasons why a policy buyer needs to ensure that his health insurance policy has sufficient coverage. A ₹2 Lakh coverage may be enough for certain small treatments like hernia treatment, cataract treatment, small planned treatments but it is more than likely that a ₹2 Lakh health cover will not be sufficient for emergency hospitalizations and critical treatments.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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hdfc ergo

HDFC ERGO VS Care Health Insurance – A Comparison

HDFC ERGO vs Care Health
HDFC ERGO vs Care Health

HDFC ERGO VS Care Health Insurance

When it comes to safeguarding your health, choosing the right insurance provider can seem like a difficult task. With multiple choices available on the market, two of the most renowned names in the health insurance industry are HDFC ERGO and Care Health Insurance.

Both companies offer a wide range of health insurance policies that cater to different  health care needs of individuals. But how are the plans different from each other?

In this article, we will compare some key features of HDFC ERGO and Care Health Insurance. We will also compare two of their most popular health plans for your better understanding.

Firstly let us look at some key features of both the health insurance providers.

About the Company

HDFC ERGO

Care Health Insurance

Claim Settlement Ratio

100%

100%

Network Hospitals

12000+

 9400+

Incurred Claim Ratio

62%

55%

Branches

100+

158 offices 

 

Employees

9700+

8500+

HDFC ERGO VS Care Health Insurance Family Health Insurance Plans

Now, let us highlight the key differences between the family health plans offered by both the

companies, to give you a better understanding.

Plan Features

HDFC ERGO Optima Restore Family

Care Supreme Health Insurance

Hospitalization

Covered

Covered

Restore Benefit

100%

100%

No Claim Bonus

50% increase SI, for every claim free year, subject to a maximum of 100%

50% increase SI, for every claim free year, subject to a maximum of 100%

Co-payment

NA

NA

Pre-Hospitalization

60 days

60 days

Post-Hospitalization

180 days

180 days

Ayush Treatment

Not available

Covered upto SI

Ambulance expenses

Up to ₹10,000

Up to ₹10,000

Sum Insured

Starting from ₹ 3 Lacs up to ₹ 50 Lacs

Starting from ₹7 Lacs up to ₹ 1 Crore

Pre-existing Conditions

Pre-exisiting diseases covered after 3 years

Pre-exisiting diseases covered after 4 years

Conclusion

From the perspective of a health insurance buyer, there are a few differences between the family floater plans offered by the two companies. As per our conclusion, we are highlighting some key differences:

  • HDFC ERGO Optima Restore plan does not cover Ayush treatment, whereas the other plan offers coverage for Ayush treatment up to the sum insured.
  • HDFC ERGO Optima covers pre-existing diseases after 3 years. Care Health Insurance covers pre-existing diseases after 4 years.

Hence, if you are someone who is already suffering from any pre-existing health illness, HDFC ERGO Optima Restore policy seems like a better option due to the shorter waiting period.

HDFC ERGO Vs Care Health Insurance Critical Illness Plans

Plan Features

HDFC ERGO Critical Illness Policy

Care Critical Mediclaim Policy

Coverage

Covers 50 life threatening illnesses:

 

Cancer

Heart Attack

Stroke

Major Organ Transplant

Multiple Sclerosis

Paralysis

Kidney Failure

Aorta Graft Surgery

Coronary Bypass Surgery

Brain Tumour

End Stage Liver Disease

Alzheimer

Heart Valve Replacement

Parkinson’s Disease

Pulmonary Arterial Hypertension

Crohn’s Disease

Myelofibrosis

Elephantiasis

Progressive Supranuclear Palsy

Severe Rheumatoid Arthritis

Severe Ulcerative Colitis

Progressive Supranuclear Palsy

Brain Surgery

Multiple Sclerosis with persisting symptoms

Bacterial Meningitis

End Stage Lung Failure Fulminant Hepatitis   Eisenmenger’s Syndrome & More

 

Covers 32 life threatening illnesses:

 

Cancer

Heart Valve Replacement

End Stage Liver Disease

Stroke

Angioplasty

Parkinson’s Disease

Alzheimer

Heart Attack

Paralysis

Pulmonary thromboembolism

Aplastic Anaemia

Infective Endocarditis

Balloon Valvuloplasty/Valvotomy

Blindness

Major Burns

Organ Transplant

Bacterial Meningitis

End Stage Lung Disease

Implantation of Pacemaker

Cardio Artery Surgery

Surgery of Cardiac Arrhythmia

Pericardietomy

Motor Neuron Disorder

Coronary Artery Bypass Graft

Cardiomyopathy

Implantable Cardioverter Defibrillator

Total Artificial Hearts

Valvoplasty

Heart valve repair

 

 

 

Renewability

Lifelong

Lifelong

Lumpsum Payout

Available

Disability and Accidental Coverage available

Sum Insured

₹ 5 Crore

Upto  ₹ 2 Crore

Note: Please check the brochure to see the complete list of illnesess covered. https://www.hdfcergo.com/documents/downloads/HEHI/my-Health-Critical-Illness/my-health-Critical-Illness_Prospectus.pdf

Conclusion: While both plans are pretty much similar, Care Health Insurance covers 32 specific illnesses. HDFC ERGO Critical Illness policy offers coverage for 50 life-threatening illnesses. Hence, you must consider the health care needs of yourself and your family members and also check out the specified illnesses covered by each  plan to make an informed decision.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Aditya Birla Health Insurance

Reliance Insurance vs Aditya Birla Health Insurance (Comparison)

Reliance insurance vs Aditya Birla Health Insurance
Reliance insurance vs Aditya Birla Health Insurance

Reliance Insurance vs Aditya Birla Health Insurance

Choosing the perfect health insurance policy is extremely important, and that is why any prospective insurance buyer needs to analyze a whole host of important features and parameters that a health insurance policy needs to have.

In today’s article let us discuss about some of the most important features, benefits, and differences between Reliance Insurance and Aditya Birla Health Insurance and assess which health insurance policy could be a good choice for your needs. The analysis will be done on a whole host of important parameters such as:

 

  • Claim Settlement Ratio of Reliance vs. Aditya Birla Insurance
  • Features of both Reliance Insurance and Aditya Birla Health
  • Most Popular Plans

Claim Settlement Ratio of Reliance vs. Aditya Birla Insurance

First, let us have at the claim settlement ratios of both insurance companies over the years.

Year

Reliance General Insurance

Aditya Birla Insurance

2019-20

89.36%

70.81%

2021-22

98.65%

93.7%

2022-23

100%

94%

As you can see, both insurance companies are steadily increasing their claim settlement ratios over the years and that is a good sign as a claim settlement ratio of an insurance company should be one of the most fundamental yardsticks a potential insurance buyer should analyze before buying insurance.

What makes a claim settlement ratio important? Well, you can read about what is a claim settlement ratio to understand its importance in insurance.

Features of both Reliance Insurance and Aditya Birla Health

Let us now have a look at some of the most important features and benefits of both Aditya Birla Health and Reliance Insurance respectively.

 

 

Aditya Birla Health

Reliance General

Network Hospitals

10000+

8500+

Cashless Facility

Yes

Yes

Maximum Sum Insured

₹2 Crore

₹5 Crore

Waiting Period for Pre-Existing Issues

3 years

1-4 years

Renewal Discount

Yes

Yes

OPD Coverage

Yes

Need to buy Rider

No Claim Bonus

Yes

Yes

24×7 Claim Support

Yes

Yes

Day Care Treatment

Yes

Yes

Free Health Check Up

Yes

Yes

Maternity Cover

Up to 60 Thousand

Up to 3 Lacs

Most Popular Plans

Now, let us glace through some of the most popular plans of both health insurance companies.

Aditya Birla Health Insurance

Reliance General Insurance

Aditya Birla Activ Health Platinum

Reliance Health Gain Insurance Plan

Aditya Birla Activ Assure Diamond

Reliance Health Infinity Plan

Arogya Sanjeevani Policy

Reliance Critical Illness Plan

Aditya Birla Activ Care

Reliance Arogya Sanjeevani Policy

Aditya Birla Cancer Secure Plan

Reliance Corona Kavach Policy

Aditya Birla Personal Accident Plan

Reliance Personal Accident Insurance Plan

Aditya Birla Activ Secure Critical Illness Plan

Reliance Corona Rakshak Policy

 

Health Gain Power Plan

 

Health Gain Prime Plan

 

Health Gain Plus Plan

Always be sure to confirm the features, benefits and fine-print of any insurance policy before buying it. Be sure to rigorously conduct research and analyse the benefits and drawbacks of any insurance policy before buying it.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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credit cards

Club Vistara SBI Credit Card (Benefits, Fees, Eligibility)

Club Vistara SBI Credit Card
Club Vistara SBI Credit Card

Club Vistara SBI Credit Card (Benefits, Fees, Eligibility)

Club Vistara SBI Credit Card is a one of a kind travel credit card that offers numerous benefits to its cardholders. This is a unique kind of card that provides comprehensive insurance coverage, a free economy air ticket, and much more. In this article, we will talk about the benefits, card fees, and eligibility in detail.

 

Table of Contents:

  • Club Vistara SBI Credit Card Benefits
  • Club Vistara SBI Credit Card Fess & Charges
  • How to apply for Club Vistara SBI Credit Card
  • Club Vistara SBI Credit Card Eligibility
  • Frequently Asked Questions

Club Vistara SBI Credit Card Benefits

  • Welcome Reward: You will get one complimentary Vistara premium economy ticket as a joining reward. It will be sent in the form of an e-gift voucher to your registered email address.
  • Reward Points: Earn up to 3 Club Vistara points on all purchases for every ₹ 200 spent. This is valid for all categories and fuel purchases as well. The earned points can be used to buy Air Vistara tickets from other partnered airlines.
  • Milestone Rewards: Get 1 complementary hotel e-voucher from Yatra worth ₹5000 on annual spends of ₹ 5 lakhs. The bonus points will be credited to the Club Vistara Membership Account within 15 working days.
  • Insurance Coverage Benefit: You will get insurance coverage as follows: Air Accident liability coverage up to ₹50 lakhs, Fraud liability coverage of  ₹1 lakh, Loss of check-in baggage coverage up to ₹72,000, Loss of travel document coverage up to ₹12,500, Loss of baggage coverage up to ₹2500.
  • Lounge Access Benefit: Get access to four complimentary visits to domestic airport lounges every year (subject to a maximum of one per quarter).
  • Balance Transfer Benefits: You can now transfer the balance of any other card to the Club Vistara SBI credit card and pay a lower rate of interest.

Club Vistara SBI Credit Card Fess & Charges

Fees

Amount

Annual Fee

₹1499 + Applicable taxes

Renewal Fee

₹1499 + Applicable taxes

Late Payment Charges

Upto ₹500: Nil

More than ₹500 up to ₹1,000: ₹400

More than ₹1, 000 up to ₹10,000 : ₹750

More than ₹10,000 up to ₹25,000: ₹950

More than ₹ 25,000 up to ₹50,000: ₹1,100

More than ₹50,000: ₹1,300

Finance Fees

3.50% per month or 42% per annum

 

Advance Cash Payment

₹ 250

Over limit Fee

2.5% of the over limit amount; minimum of ₹600

Payment Dishonor Fee

2% of the payment amount; minimum of ₹ 450

 

How to apply for Club Vistara SBI Credit Card

Follow these simple steps to avail of this credit card:

  • Step 1: Visit the official website of SBI, i.e https://www.sbicard.com/.
  • Step 2: Click on the ‘Credit Card’ section and select ‘Club Vistara SBI Credit Card.’
  • Step 3: Click on ‘Apply Now’ and fill out the form with all the accurate information.
  • Step 4: The bank representative will call you shortly in regards to the same.

Club Vistara SBI Credit Card Eligibility

  • Applicants minimum age should be 18 to 60 years.
  • The applicant must be salaried or self-employed.
  • Applicants need a good credit score.
  • Applicants need to be citizens of India.
  • Minimum income required is around ₹ 33,000–₹ 40,000 per month.

Documents Needed

  • Identity Proof: Aadhaar card, Pan card, voter’s ID, driving licence, passport-sized photographs
  • Address Proof: Passport, electricity bill, gas bill, and driver’s licence
  • Income Proof: Income Tax Reports and Salary Slips for the Past 2 Months

 

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Health Insurance

Care Health Insurance vs Reliance Insurance (A Simple Guide)

Care Health Insurance vs Reliance Insurance
Care Health Insurance vs Reliance Insurance

Care Health Insurance vs Reliance Insurance (A Simple Guide)

Are you looking to find out the best health insurance policy for yourself and your family? Well, we don’t blame you. Getting the perfect health insurance policy for your needs is extremely important and people should do their due diligence before buying their health insurance policy.

There are a whole host of important aspects that one needs to look out for before zeroing-in on the perfect health insurance policy. From comparing the claim settlement ratios to comparing the policy features, a prospective health insurance buyer needs to analyze a lot of things before finalizing their policy.

In this article, we will compare some of the most important similarities and differences between Care Health Insurance and Reliance General Health Insurance, so that you can know for sure which health insurance provider is perfect for your needs. So, let us begin.

We will talk about some of the most important aspects with respect to Care Health Insurance vs Reliance General Insurance, they are:

 

  • Claim Settlement Ratio of Care Insurance vs Reliance Insurance
  • Features of Care Insurance vs Reliance Insurance
  • Most Popular Plans

Claim Settlement Ratio of Care Insurance vs Reliance Insurance

What is a claim settlement ratio of an insurance company and what makes it so important? Well, a claim settlement ratio is the ratio of claims that an insurance company honors. Quite simply, if an insurance company has received 100 claims in a year and it honor 90 claims out of the 100 claims, the claim settlement ratio of said insurance company will be 90%. Now you understand why the claim settlement ratio of an insurance company is critical aspect for any prospective insurance buyer.

Let us glance through the claim settlement ratios of both Care Health Insurance and Reliance General Insurance and get a better idea of how they match up.

Year

Care Health

Reliance General Insurance

2019-20

95.2%

89.36%

2021-22

87.1%

98.65%

2022-23

100%

100%

As you can see both companies are maintaining a health claim settlement ratio are doing rather well on this important metric.

Features of Care Insurance vs Reliance Insurance

Let us now glance through some of the most important features of both of these insurance companies so that you can educate yourself on which feature is relevant to you and your needs and accordingly go with the best health insurance policy.

 

Care Health

Reliance General

Network Hospitals

10000+

8500+

Cashless Facility

Yes

Yes

Maximum Sum Insured

₹6 Crore

₹5 Crore

Waiting Period for Pre-Existing Issues

2-4 years

1-4 years

Renewal Discount

Yes

Yes

OPD Coverage

Up to ₹2500

Need to buy Rider

No Claim Bonus

Yes

Yes

24×7 Claim Support

Yes

Yes

Day Care Treatment

Yes

Yes

Free Health Check Up

Yes

Yes

In-house Claim Process

Yes

Yes

Remember, certain features are subject to change, be sure to confirm these figures with your insurance agent of the insurance company directly before buying a plan.

Most Popular Plans

Now that you have seen the claim settlement ratio and the features of Care Health Insurance and Reliance General Insurance, now is the time to check out some of their most popular plans. This will give you an idea about the kind of insurance policies both companies offer and which one could work for you.

Care Health Insurance

Reliance General Insurance

Family Health Insurance Policy

Reliance Health Gain Insurance Plan

1 Crore Health Plan

Reliance Health Infinity Plan

Senior Citizens Health Policy

Reliance Critical Illness Plan

Maternity Coverage

Reliance Arogya Sanjeevani Policy

Pre-Existing Coverage Policy Cover

Reliance Corona Kavach Policy

Heart Health Insurance Plan

Reliance Personal Accident Insurance Plan

Care Freedom for Diabetes Policy

Reliance Corona Rakshak Policy

Joy Tomorrow Policy

Health Gain Power Plan

Care Cancer Mediclaim Policy

Health Gain Prime Plan

Care Arogya Sanjeevani Policy

Health Gain Plus Plan

Care Operation Mediclaim Policy

 

Care Health Care Advantage Plan

 

Care Secure Personal Accident Insurance

 

Care Advantage

 

Thank you for taking the time to read this article. Remember, always do your due diligence before buying any health insurance policy.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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Finance and Tax

How to Check if your Aadhaar Card is Linked to Pan Card?

how to link aadhar card to PAN card
how to link aadhar card to PAN card

How to Check if your Aadhaar Card is Linked to Pan Card?

In this article, we will talk about the step by step process of checking whether your Aadhaar Card is linked to your PAN Card and also show you how you can link them.

 

Table of Contents:

  • How to Check Aadhaar-PAN Link Status Online?

  • How to Check Aadhaar-PAN Link Status via SMS?

  • How to Link Aadhaar- PAN Card Online?

  • What is the due date to Link Aadhaar-PAN Card?

  • Frequently Asked Questions

How to Check Aadhaar-PAN Link Status Online?

Below are the simple steps you can follow to check your Aadhaar-PAN link status online:

  • Step 1: Go to the Income Tax e-filing portal, i.e https://www.incometax.gov.in/iec/foportal/.
  • Step 2: Go to the ‘Quick Links’ section and click on ‘Link Aadhaar Status.’
  • Step 3: Enter your Aadhaar and PAN numbers and click on ‘Submit.’
  • Step 4: Click on ‘View Link Status.’
  • Step 5: Your Aadhaar-PAN link status will be displayed instantly.

How to Check Aadhaar-PAN Link Status via SMS?

Below are the simple steps to check your Aadhaar- PAN Link status via SMS:

  • Step 1: Type UIDPAN <12 Digit Aadhaar Number>< 10 Digit PAN Number> on the messaging app on your phone.
  • Step 2: Send this message to 56161 or 567678
  • Step 3: You will receive an update regarding the link status on the registered mobile.

Note: In case Aadhaar is linked with PAN, the message received will be “Aadhaar is already associated with PAN (number) in the ITD database. Thank you for using our services.”

In the case of Aadhaar not linked with PAN, “Aadhaar is not associated with PAN (number) in the ITD database. Thank you for using our services.”

How to Link Aadhaar- PAN Card Online?

Follow these simple steps to link your Aadhaar with your PAN card online:

  • Step 1: Visit the official website of the Income Tax e-filing portal, i.e https://www.incometax.gov.in/iec/foportal/.
  • Step 2: Go to the ‘Quick Links’ section and click on ‘Link Aadhaar.’
  • Step 3: Enter Aadhaar and PAN numbers and click on ‘Validate.’
  • Step 4: Now, click on ‘Continue to Pay Through e-Pay Tax’ button to pay the challan amount.
  • Step 5: Next, go to ‘Profile Settings’ and click on ‘Link Aadhaar.’
  • Step 6: Now, enter the Aadhaar and PAN numbers, mobile number, etc. Then click on ‘Validate.’
  • Step 7: You will receive a message that your PAN-Aadhaar link has been submitted successfully. You can now verify the same on PAN-Aadhaar link status.
  • Step 8: You can also visit the nearest PAN card centres and submit the PAN-Aadhaar Card linking form for the same.

What is the due date to Link PAN-Aadhaar Card?

  • The Income Tax Department has made it compulsory for all tax payers to link their PAN-Aadhaar card. A penalty will be levied on the taxpayers in case they fail to do the same before the deadline.
  • The PAN-Aadhaar link was free until March 31, 2022. In case you linked PAN-Aadhaar after March 31, 2022, but before June 30 2022, a penalty of ₹ 500 was levied.
  • After June 30 2022, a penalty of ₹ 1,000 will be charged to link PAN with an Aadhaar card. Hence, you must first pay the penalty of ₹ 1,000 to link the same before June 30 2023.

Note: In case Aadhar and PAN cards are not linked after June 30 2023, all PAN cards will become inoperative.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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credit cards

Amazon Pay ICICI Credit Card (Benefits, Fees, Eligibility)

Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card

Amazon Pay ICICI Credit Card (Benefits, Fees, Eligibility)

Amazon Pay ICICI Credit Card is a lifetime cashback credit card that is designed especially for members of Amazon Prime. This credit card offers numerous benefits to its customers, like cashback points, no annual or joining fees, and much more. In this article, we will talk about the card benefits, features, fees, and more.

 

Table of Contents:

  • Amazon Pay ICICI Credit Card Benefits
  • Amazon Pay ICICI Credit Card Fee and Charges
  • How to apply for Amazon Pay ICICI Credit Card?
  • Amazon Pay ICICI Credit Card Eligibility

Amazon Pay ICICI Credit Card Benefits

  • Cashback Rewards: You can avail 5% cashback on all your purchases made on Amazon India or Amazon Prime. 3% cashback is offered on Amazon India, even if you are not a member of Amazon Prime. Also, earn 2% cashback on purchases made with preferred merchants on Amazon Pay.
  • Fuel Surcharge Waiver: Avail of a 1% waiver on fuel surcharge on all petrol pumps in India.
  • No Annual Fee: Unlike most credit cards, Amazon Pay ICICI credit card do not charge any annual or joining fees.
  • No-Cost EMI: No cost EMI facility is available on the credit card for purchases over ₹ 3000. The EMI tenure comes for a period of 3–6 months.
  • Chip & Pin Safety: Amazon Pay ICICI Credit Card comes with embedded microchip security that provides extra safety against duplication of cards. It provides an extra cushion of safety in the form of a Personal Identification Number (PIN) to keep transactions secure.
  • Lifetime Reward Points: There is no time limit or expiration date for reward points earned on the card.
  • Dinning Rewards: Avail of a discount of 15% at partner restaurants under the Culinary Treats programme.

Amazon Pay ICICI Credit Card Cashback Reward Structure

  • Earn cashback of 3% on mobile, flight tickets, groceries, etc. on Amazon.
  • Earn cashback of 2% on entertainment, food, health, etc. by paying through Amazon Pay.
  • Earn cashback of 2% on recharges, utility bill payments, and adding money to Amazon Pay.
  • Earn cashback of 1% on dining, gold, fuel, etc. by paying through Amazon Pay.
  • Earn cashback of 20% up to ₹ 250 on the payment of your electricity bill.

Amazon Pay ICICI Credit Card Fee and Charges

Fee

Amount

Joining Fee

Nil

Annual Fee

Nil

Late Payment Fees

Less than ₹100: nil

₹ 100- ₹ 550: ₹ 100

₹ 501- ₹ 5000: ₹ 550

₹ 5001- ₹ 10,000: ₹ 550

₹ 10,001- ₹ 25,000: ₹ 750

₹ 25001-  ₹ 50,000: ₹ 750

More than ₹ 50,000: ₹ 750

 

Overdue Interest on Extended Credit

Monthly 3.5%- 3.8%

Yearly 42%- 45%

Dishonor of Cheque

2% of Total amount due (Min ₹ 500)

Foreign Currency Transaction

3.5% Mark up fee

Over-Limit Fee

2.5% on the over limit amount

How to apply for Amazon Pay ICICI Credit Card?

Follow these simple steps to apply for this credit card:

 

  • Step 1: Visit the official website of ICICI Bank i.e https://www.icicibank.com/.
  • Step 2: Click on ‘Cards’ section and select Amazon Pay ICICI credit card.
  • Step 3: Click on ‘Apply Now’ button. You will be instantly directed to the official Amazon application.
  • Step 4: Check your eligibility and apply accordingly. Your application will be validated by the bank.
  • Step 5: Once approved, you will receive the credit card.

Note: To track the application status, you can call Customer Care at 1800 102 0123 from your registered mobile number.

Amazon Pay ICICI Credit Card Eligibility

  • Applicants minimum age should be 18 to 60 years.
  • The applicant must be salaried or self-employed.
  • The minimum income required is around ₹ 25,000– ₹ 35,000.

Documents Needed

You will need the following documents to be eligible for the credit card:

  • Identity Proof: Aadhaar card, Pan card, Voter’s ID, Driving License, Passport sized photographs
  • Address Proof: Passport, Electricity bill, Gas bill, and Driver’s License
  • Income Proof:Income Tax Reports, Salary slip of past 2 months

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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How to generate Kotak Credit Card Pin (via Online, ATM, Netbanking)

reset and generate kotak bank credit cards pin
reset and generate kotak bank credit cards pin

How to generate Kotak Credit Card Pin (Online, ATM, Netbanking)

In this article, we will provide you with a detailed guide on how you can generate and reset your Kotak Credit Card Pin through various methods.

 

Table of Contents:

  • How to generate Kotak Credit Card via Netbanking?
  • How to generate Kotak Credit Card Pin via Mobile banking?
  • How to generate Kotak Bank Credit Card pin via SMS?
  • How to generate Kotak Bank Credit Card Pin via IVR?
  • How to generate Kotak Credit Card Pin via Mobile App?
  • How to Change Kotak Bank Credit Card Pin
  • How to block Kotak Credit Card online?

How to generate Kotak Credit Card via Netbanking?

Follow these simple steps to generate your Kotak Bank credit card pin:

 

  • Step 1: Login to your Kotak Bank netbanking account.
  • Step 2: Go to the ‘Credit Cards’ section and click on ‘Service Request.’
  • Step 3: Now, click on ‘Instant PIN Generation’ and enter your credit card details, like card number, CVV, etc.
  • Step 4: Choose a 6-digit pin of your preference.
  • Step 5: Confirm the pin once again to instantly generate it.

How to generate Kotak Credit Card Pin via Mobile banking?

Follow these simple steps to generate credit card pin via mobile banking:

 

  • Step 1: Login to your mobile banking account.
  • Step 2: Go to the ‘Credit Cards’ section and click on ‘Credit Card Service Requests.’
  • Step 3: Click on ‘Instantly Generate Pin’ and enter valid card details like card number, CVV, etc.
  • Step 4: Now, choose a 6-digit pin of your preference.
  • Step 5: Confirm the pin once again and click on ‘Instantly Generate.’

How to generate Kotak Bank Credit Card pin via SMS?

Follow these simple steps to generate credit card pin via SMS:

 

  • Step 1: Type ‘CCPIN’ and send message to 5676788 or 9971056767 from your registered mobile number.
  • Step 2: You shall receive the PIN on your registered email address within seven working days.

Note: In case you do not receive the pin within seven working days, you can generate the pin using mobile or net banking.

How to generate Kotak Bank Credit Card Pin via IVR?

Follow these simple steps to generate credit card pin via IVR:

 

  • Step 1: Dial 1860 266 2666 from your registered mobile number.
  • Step 2: Follow the instructions of the operator and say ‘Generate Credit Card Pin.’
  • Step 3: Press ‘3’ for credit cards. Now press ‘1’ if you are an existing cardholder.
  • Step 4: Now, enter your customer relationship number (CRN), T-PIN, or card number.
  • Step 5: Press the requested number instructed by the IVR to generate the pin.

How to generate Kotak Credit Card Pin via Mobile App?

Follow these simple steps to generate credit card pin via app:

 

  • Step 1: Open the official mobile application of the bank.
  • Step 2: Select ‘Credit Cards’ on the menu option.
  • Step 3: Go to ‘Service Requests.’ Now enter your card details, like CVV, expiry date, etc.
  • Step 4: Now choose a PIN of your choice. Reconfirm your credit card pin again to set it.

How to Change Kotak Bank Credit Card Pin

You can change your kotak bank credit car pin via following methods: Netbanking, Mobile banking or IVR.

Steps to Change Kotak Credit Card Pin via Netbanking

Follow these simple steps to change your credit card via NetBanking:

 

  • Step 1: Login to your netbanking account and select ‘Credit Cards.’
  • Step 2: Go to the ‘Service Requests’ section and then click on ‘Instant Pin Generation.’
  • Step 3: Enter the requested information and click on ‘Go.’

Steps to Change Kotak Credit Card Pin via Mobile Banking:

Follow these simple steps to change your credit card via mobile banking:

 

  • Step 1: Login to your mobile banking account.
  • Step 2: Go to the ‘Credit Cards’ section and click on ‘Credit Card Service Requests.’
  • Step 3: Now click on ‘Instantly Generate Pin’ and enter the requested details, like MPIN, etc.
  • Step 4: Now, change the PIN accordingly. Click on ‘Submit’ and ‘Confirm.’

Steps to Change Kotak Credit Card Pin via IVR:

Follow these simple steps to change your credit card via IVR:

 

  • Step 1: Call customer care at 1860 266 2666.
  • Step 2: Follow the instructions and say ‘Generate Credit Card Pin.’
  • Step 3: Now, enter MPIN when requested and enter the card details.
  • Step 4: Press ‘6’ to enter your existing PIN once validated.

Important Credit Card Safety Tips

  • Never disclose or share your credit card details with anyone.
  • Never share credit card details over SMS, emails, and so on.
  • Only make transactions on websites that are genuine and authentic.
  • It is advisable to track transactions made on your card. Examine the credit card billing statement every month.
  • Immediately inform the bank’s official customer care helpline or visit the branch in case of any fraudulent transaction.
  • Report the bank immediately in case of a loss or theft of a credit or ATM card.

Author Bio

This article is written by Team InsuranceLiya.com, an independent website that writes about insurance, finance, health, and more. Our writers have a wealth of knowledge, experience, and degrees in the fields of insurance, finance, economics, and beyond.

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