Home |Abhijith Vijay Abhijith Vijay Health Insurance Expert (Seniors & Special Cases) 30 Answers, 57 Claps, 1191 Views Share × Feeds Questions Answers Guides I was on an IDR when covid started, haven't consolidated, and my payment has suddenly changed to a standard plan. What to do? The ED is aware of this phenomenon and is working on it. If your income hasn't increased you could just submit a new application. If doing so would cause your payment to go up, you could request forbearance… 1 0 5 Is there any advantage in having an health insurance policy in addition to Medisep? Yes. The underprivileged people in India currently has 5 Lakhs coverage which they get for free (under PMJAY). With even a middle-class earning person’s lifestyle and hospital choices, 3 Lakhs coverage… 1 0 79 A 2006 Kerala registered vehicle past the test date in 2021. What is the procedure to get the test done now. How much will be the fine for the delay and is there a way to avoid the fine ? Watch this video please 1 0 53 How do i find out if i have dental insurance? Ask your advisor to share the policy wording document of your current insurance plan and search for the term ‘Dental‘ to see if it’s mentioned anywhere in the document. Majority Health Insurance… 1 2 22 How do i get kerala state health insurance? This is currently available for 2 categories1) For State Employees or Pensioners - MediSep Plan (if opted it’s auto deducted from salary) https://medisep.kerala.gov.in2) For Under privileged or BPL… 1 2 31 How to get low cost health insurance? Search for health insurance plans in policy bazaar compare the plans and choose the lowest premium option.But, do keep in mind 4 areas where you may struggle while doing so;1) Always have an extra… 1 1 7 How do freelancers get health insurance? Please know that health insurance is not a privilege but a right to every citizen. Your work profile or age is not actually a deciding factor in getting yourself or family Insured. Only thing… 1 1 10 How to get health insurance if I am unemployed? Employed or not, if you have the potential to pay for your health insurance you can buy one. 1 0 11 How to provide health insurance for employees? It depends on how many employees you have and if you are having a valid PAN Card / GST registration. There are various plans that provides group health insurance for employees from min of 7-8… 1 0 11 How to get insurance for pregnancy? Two types of maternity plans are available; 1) Most Insurers usually provide one with 2-3 year waiting period, where husband n wife should be covered under the plan during this period. 2) Certain… 1 0 10 How do i know if my health insurance is active? Easiest way is to call your insurance providers customer care from the registered phone number, they will know right away. You can also check your policy document which is usually received… 1 0 30 How to get health insurance with pre existing condition? If the PED is a lifestyle disease there are now special plans available to get immediate coverage from 1st month of insurance; for Diabetes, Asthma, BP and Cholesterol. Or you can get any general… 1 0 8 How to get health insurance as a student? Regardless of the occupation status anyone can get insured if they have the potential to pay for it. If you are aged below 18 years, one of the parent should propose the coverage for… 1 0 8 How to find the best health insurance for me? Discuss your needs and medical history with a consultant and then ask for an Insurer with Good Claim settlement ratio Large Hospital Network Good Paying Potential Best in class Plan… 1 0 8 How to get emergency medical insurance? If it’s for an illness already diagnosed then ost probably you won’t get an immediate coverage. But discuss your needs in detail with an insurance consultant and they might be able to come up with a solution… 1 0 8 Pvt health insurance or public health insurance companies, which is better for more probability of claim settlement ? No doubt, Private insurers are the best. They are more customer centric. Better choose from companies with high claim settlement ratio, atleast 90+ and paying potential. HDFC ERGO, Care Health Insurance… 1 0 17 I am a 43yrs disabled person. Although I am government employee, due to my disability I am not able to get insured to any health policy. Can you suggest me any good health insurance policy for disabled? I am disabled by birth. Hello,Generally speaking no insurer should be taking away your chance of getting insures just because you have a disability. And I don’t think there is a specific plan for disabled, instead you can submit… 1 2 26 How do small business owners get health insurance? Question is not clear. Is it for yourself or for your employees ? Either way you should talk to a consultant to come up with a fitting solution. — Feel free to call for a free consultation… 1 0 13 Can I buy a TATA AIG health insurance policy through Canara bank? If so, gets all benefits when a person bought it through an agent? No, buying health insurance via bank won’t get you all the benefits as bought from an agent. Benefits.Comparatively Low PremiumNo PED Waiting periodDrawbacks.No Continuity Guarantee on the planNo… 1 22 442 BPL കാർഡ് ഇല്ലാത്ത ആളുകൾക്ക് കേന്ദ്ര / കേരള സർക്കാറുകൾ വല്ല ആരോഗ്യ ഇൻഷുറൻസ് സ്കീം ഉണ്ടോ ( നിശ്ചിത പ്രീമിയം അടച്ചോ ഇല്ലാതെയോ )? നിലവിൽ അങ്ങനെ ഒരു പദ്ധതി ഇല്ല. മാത്രമല്ല PMJAY-Karunya (KASP) പോലെയുള്ള BPL ജനതയ്ക്കായുള്ള പദ്ധതികളിൽ തന്നെ ഒരുപാട് പോരായ്മകൾ ഉണ്ട് , ഇതിനാൽ അര്ഹതയുള്ളവർക്കും വേണ്ടത്ര പ്രയോജനം ലഭിക്കുന്നില്ല. ഏതൊരു… 1 0 28 Health ഇൻഷുറൻസ് ഇൽ ഇടുന്ന ക്യാഷ്, തിരിച്ചു കിട്ടില്ല എന്ന് ഒരു സുഹൃത്ത് പറഞ്ഞു ശരിയാണോ ? താങ്കളുടെ സുഹൃത്ത് പറഞ്ഞത് ശരിയും ആണ് തെറ്റും ആണ്. വാഹന ഇൻഷുറൻസ് അടക്കുന്ന തുക തിരിചുകിട്ടാത പൊലെ, Health ഇൻഷുറൻസ് എന്നതും പേരുപോലെ തന്നെ ഒര് പരിരക്ഷ പദ്ധതിയാണ്. നിങ്ങൾക്കുണ്ടാവാന് സാധ്യത ഉള്ള… 1 2 24 Can you please suggest a health insurance with a good OPD cover and medicine cover also? Dear, Please know that 90% of OPD or Medicine Coverage plans are either so limited usage or over paid and in general is a sham. And personally I won’t recommend purchasing insurance based on this facility… 1 1 15 Do we have any health insurance here like the one we had in UAE. i.e for buying medicines and hospital services? Yes, health insurance is available in India as well. But not exactly comparable to the one available at UAE. The main difference is the premium that you pay for insurance in India is way too low… 1 1 19 Sugar ഉള്ള, ഇൻസുലിൻ എടുക്കുന്ന ഒരാൾക്ക് ഹെൽത്ത്‌ ഇൻഷുറൻസ് കിട്ടുമോ? 60 വയസ് കഴിഞ്ഞു. ഉറപ്പായും ലഭിക്കും. Diabetic ആണെന്നതോ ഇൻസുലിൻ എടുക്കുന്നതോ വ്യക്തിയുടെ പ്രായമോ ഇൻഷുറൻസ് ലഭിക്കുന്നതിന് ഒരു തടസ്സവും അല്ല. മാത്രമല്ല PED waiting ഇല്ലാതെ തന്നെ ആദ്യ ദിവസ്സം മുതൽ diabetic, bp, മുതലായ… 1 2 31 Health inshurance എടുക്കുമ്പോൾ എന്തൊക്കെ ആണ് ടെസ്റ്റ്‌ ചെയ്യുക ? സാധാരണ ആരോഗ്യ ഇൻഷുറൻസ് എടുക്കുമ്പോ 60 വയസ്സുവരെ മെഡിക്കൽ ചെക്കപ്പ് ഒന്നും കൂടാതെ ആണ് 90% കമ്പനികളും പോളിസി കൊടുക്കുക. പകരം നിലവിലുള്ള അസുഖത്തിനെ സംബന്ധിക്കുന്ന റിപോർട്ടുകൾ മതിയാകും. എന്നാൽ ഈ റിപ്പോർട്ട്… 1 2 25 Ente husband Randu block vannu angeoplast cheythu. 73years ayi. Enikku 61 vayassu ayi. Njangalku pattiya insurance plan ethanu? There is a Cardiac specific plan from Care Health (previously known as Religare) ‘Care Heart’ which is suitable for your husband. But before applyinf will have to discuss the full medical history… 1 1 9 Do I need health insurance in addition to Rs. 10L cover provided by the company policy? Or can this be taken at a later stage when I plan for self-employment/ entrepreneurship? This is a common concern of most employed Indians. May I give some insight on this matter. Having an Insurance provided by employer or a company insurance Or what we call group Insurance… 1 2 27 How to select best health insurance for parents in India? While choosing Insurance for Parents, make sure to ; choose a plan without Co-payment, Sub-limits, or Room Rent Limits. make sure to get ample coverage as they may not be able to upgrade it at a later… 1 1 9 Is coronavirus treatment covered under private medical insurance? Yes. It’s covered under most of the private medical insurance. Only thing is one should be able to establish the reason for admission to get the claim settlement. To put it simply you shouldn’t… 1 1 17 65 വയസിന് മുകളിൽ ഉള്ളവർക്കു ആരോഗ്യ ഇൻഷുറൻസ് കിട്ടുമോ ? കിട്ടും. ഇപ്പൊൾ പ്രായ പരിധി ഇല്ലാതെ തന്നെ ആരോഗ്യ ഇൻഷുറൻസ് കിട്ടുന്നതാണ്. HDFC ERGO'യുടെ myHealthSuraksha എന്ന പ്ലാനിൽ ആണ് ഇങ്ങനെ ഒരു സംവിധാനം ഉള്ളത്. മാത്രമല്ല, ഒരു തരത്തിലുള്ള ചികിത്സ ചിലവ് പരിമിതികളും… 1 9 159 സമഗ്ര ആരോഗ്യ ഇൻഷുറൻസ് പുതുതായി എടുക്കാൻ എപ്പോഴാണ് കഴിയുക, എന്തൊക്കെ ആണ് ഇതിനു ആവശ്യമായി വരുന്നത് ? സമഗ്ര ആരോഗ്യ ഇൻഷുറൻസ് ഏതു പ്രായത്തിലും എടുക്കാം. എത്രയും നേരത്തെ ആയാൽ നല്ലതു, കാരണം രോഗങ്ങൾ ഒന്നും ഇല്ലാത്തപ്പോൾ ഒരുപാട് പ്ലാനുകളിൽ നിന്നും തിരഞ്ഞെടുക്കാനുള്ള സ്വാതന്ത്ര്യം നിങ്ങൾക്കുണ്ടാകും. വെറും പ്രമേഹം… 1 5 82 A 2006 Kerala registered vehicle past the test date in 2021. What is the procedure to get the test done now. How much will be the fine for the delay and is there a way to avoid the fine ? Watch this video please 1 0 53 BPL കാർഡ് ഇല്ലാത്ത ആളുകൾക്ക് കേന്ദ്ര / കേരള സർക്കാറുകൾ വല്ല ആരോഗ്യ ഇൻഷുറൻസ് സ്കീം ഉണ്ടോ ( നിശ്ചിത പ്രീമിയം അടച്ചോ ഇല്ലാതെയോ )? നിലവിൽ അങ്ങനെ ഒരു പദ്ധതി ഇല്ല. മാത്രമല്ല PMJAY-Karunya (KASP) പോലെയുള്ള BPL ജനതയ്ക്കായുള്ള പദ്ധതികളിൽ തന്നെ ഒരുപാട് പോരായ്മകൾ ഉണ്ട് , ഇതിനാൽ അര്ഹതയുള്ളവർക്കും വേണ്ടത്ര പ്രയോജനം ലഭിക്കുന്നില്ല. ഏതൊരു… 1 0 28 Is there any advantage in having an health insurance policy in addition to Medisep? Yes. The underprivileged people in India currently has 5 Lakhs coverage which they get for free (under PMJAY). With even a middle-class earning person’s lifestyle and hospital choices, 3 Lakhs coverage… 1 0 79 How do small business owners get health insurance? Question is not clear. Is it for yourself or for your employees ? Either way you should talk to a consultant to come up with a fitting solution. — Feel free to call for a free consultation… 1 0 13 How to get emergency medical insurance? If it’s for an illness already diagnosed then ost probably you won’t get an immediate coverage. But discuss your needs in detail with an insurance consultant and they might be able to come up with a solution… 1 0 8 How to find the best health insurance for me? Discuss your needs and medical history with a consultant and then ask for an Insurer with Good Claim settlement ratio Large Hospital Network Good Paying Potential Best in class Plan… 1 0 8 No Guides added by Abhijith Vijay.
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