when i call to insurance people they told that Reliance is not good for south india..it's good only north india... claim process is too hard..
they suggest star and apollo dkv...
my question is
shall i buy reliance health insurance... if any body using reliance health insurance chennai or south india
please suggest me...
Thank you in advance
Hi
Claim process is designed and governed by IRDA, if there is a issue with the claims, you can approach Ombudsman. Insurance industry is very closely regulated by government so nobody can deny you a claim. Any company that denies or delay's claims will hit their ISO, and Quality credentials. So whatever is mentioned in the policy document, companies will adhere to it.
While buying a health insurance, you should think and check for the following.
1. coverage amount : Will it remain same as inflation increases and you become older, or will it increase with inflation and your age, without actually increasing the premium.
2. Exclusion : What is covered and what is not covered. There are obviously medical expenses like testing, opd which are not covered. Does your insurance gives you some option to reimburse for expenses like this as well.
3. Premium Payment Term : How long should you pay, and how long will you be covered, is there any flexibility.
4. Return on investment : If you dont claim, will you get your money back.
Write to me if you have any question, on health insurance or any other type of insurance.
If you are looking for a private medical insurer than I would go for a company which does the processing of the claims at the local office. It would be best to go for a government insurance company since they have local claims settling authority. New India or United India. These companies have grievance departments also where you can appeal if you have any issues.
As far as my experience is related never ever go for any PRIVATE COMPANY.
go for Government Company there are 4 co's.
1. ORIENTAL INSURANCE
2. NATIONAL INSURANCE
3. UNITED INDIA INSURANCE
4. NEW INDIA INSURANCE
thanks
NEVER EVER THINK OF RISK IN YOU LIFE........ forget PAST and don't thing much about FUTURE only LIVE IN PRESENT.
As your HARD earned MONEY must be invested in SAFE HANDS and LIC OF INDIA is the safest hands to invest in.
BEFORE INVESTING please read the following: -
Following are very risky investment avenues and should be avoided for further capital erosion.
1. SHARES & MUTUAL FUNDS: Very very risky market full of speculators, even the company CEO and Directors are not aware why the stock prices are falling or going up
2. PROPERTY & LAND: Prices are way high and there is no government control over it. Current property prices in India are 68% higher as compared to other developed countries like USA and UK.
3. BANK FIXED DEPOSITSs: Interest earned is Taxable and principal amount is guaranteed only up to 1 lakh in case the bank goes Bankrupt as per "Our Finance Minister"
4. GOLD, SILVER & COMMODITIES : Gold is also too risky but it is much safer than Shares.
5. FOREX TRADING: Many of you may not even know what forex trading is? It means trading in currencies.
only 1 company (LIC of India) you can TRUST, who will honor all its commitments and it has more than $163 billion assets.
LIC Of India has various policies to suit your needs where we can give:
* Risk Cover * Guaranteed returns
* Tax Benefits * Regular income
* Free insurance * Accidental risk cover
* Insurance for senior citizens till age 75
* Fixed deposit with risk cover and loan facility
* Peace of mind forever
My appeal is do not take any drastic step if you are caught in a financial crisis. According to Indian Law If you are in a financial crisis you can pay your party in installments spread over a period of years.
I am Life Insurance Corporation of India's authorised Insurance Agents. If you are looking for LIC Investment plan, Life Insurance, LIC Term plan, LIC endownment plan,
Always take Advice before taking any Insurance or Investment.
Thanks & Regards,
SACHIN SAHNI
LIC Consultant, BM Club Member, {Gold Medalist}
Mob:9899633555 email:sachin.123.lic@gmail.com
---DOOR STEP SERVICE (Delhi & NCR)---