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Here you can see questions asked by other users. If you answer these question, your answers may be inserted into the FAQ.

Date / User Question  
2010-09-23 20:32
MANISH SHRIVASTAV
General:
Can any insurance co. ind up their business.
Answer
2010-10-07 16:38
Ilhan
Health Insurance:
In case of family floater health insurance what happens if the primary insured person expires? Can the policy be renewed by any of the surviving members of the policy? Also, As my age increases can i migrate from family floater to individual health insurance plan?
Answer
2010-12-06 09:38
bhulan singh
General:
I am 25yr old and want to buy a policy for my life cover only not for any investment purpose. It would be better for me if my premium paid are refundable and if not then too its ok. Please advise me for a right policy. I wish to cover my life with 30lac only. My monthly income is 25000/-only. Hwo much will it cost?
Answer
2011-02-04 13:18
Samir
Health Insurance:
Why there is no hypothecation on Helath and Personal Accident policies.
Answer
2011-05-28 20:03
Nikita
Travel Insurance:
Which company provided travel insurance for kailash mansarovar yatra
Answer
2011-06-22 00:13
Deepti
Travel Insurance:
Hi, I want to buy insurance for my mother who will travel from India to US the next month. The reliance General Senior Standard policy says maximum age covered is 70 years. What if the insured turns 71 during his/her stay of 5 months. Please explain the age factor. The other question is will the policy state upfront that it covers emergencies arising out of pre-existing conditions. Looking forward to your response. Thanks, Deepti
Answer
2011-07-13 18:39
SANJAY KOOLWAL
:
kya R.C. EXPIRY HONE KE BAAD BHI CLAIM MIL JATA HAI
Answer
2011-08-20 13:21
Ajay Sharma
Benefits and Coverages:
I want to know whether pregnency is covered in any kind of insurance policy
Answer
2011-09-11 16:32
Vivek
Health Insurance:
I am intrested in buying a health insurance plan for me & my family. my details are as follows : Self : 41 yrs Wife : 36 yrs Son & Daughter : 5 yrs (twins) City : Mumbai Existing hospitalization cover for family : 2 Lacs from current employer. Existing major illness of family members : Nill. Preffered hospitals for treatment : Large private well equipped hospitals in mumbai like nanavati, lilavati, asian heart... Questions : 1. should we go for public sector insurance cos instead of private ones.... any advantages of either 2. should we go for floater policy covering entire family. 3. the amount of sum insured we should take 4. based on the above information please suggest top 3 options (i.e. which policy and which insurance provider.) and the reason for the same. Thanks Vivek....
Answer
2011-10-16 08:26
sharad
General:
I am a marketing professional in Kenya.I want to have term insuarance policy.Which insuarance companies give term policies in countries like Kenya.
Answer
2011-10-16 13:34
Rajeev
General:
Dear Sir, I have subscribed to ICICI Lomabard for medical insurance policy since last 6 years renewable every two years for total of Rs. 5.0 lacs. Three years ago I availed the medical hospitalization for my wife and at that time the total premium used to be around Rs. 1200/month for our 4 family members including me (52 years), my wife (49 years) and two kids of 9 and 15 years at that time. During Jan. 2010 when the renewable was due company loaded the premium since we availed the claim for my wife and the premium works out to be around Rs. 2000/month as insurance company felt that the ailment may be re-occurring. During this time of two years I have not taken any claim as my wife is quite fine. I would like to know if company will reduce my premium since there is no claim within the last 2 years when the renewal is due during Jan. 2012 ? RAJEEV
Answer
2012-02-29 04:14
E.Veeraiah Chowdary
Benefits and Coverages:
During the time of starting the car, short circuit took place and the vehicle got damaged. is it covered in the nil depriciation policy or not
Answer
2012-03-07 07:48
Vineet Garg
Claim Process:
I have an existing mediclaim family floater policy for 4 lakh rupees from icici lombard I want to take a top up policy. If i go to a new insurer (e.g Bajaj Allianz) and buy a top up policy, then how to i make the claims if the amount goes beyong the threshold. Since the original bills, discharge slips etc will be taken by Icici lombard, will Bajaj allianz accept attested photocopies? Kindly explain the claim procedure in this case
Answer
2012-03-10 09:01
N Chopra
Travel Insurance:
Which travel insurance Company is the most responsive to claims?I've had a bad experience with ICICI-Lombard and not many people recommend TATA-AIG. Can you suggest some name?
Answer
2012-04-28 16:06
inayatali nathani
Health Insurance:
hi can i renew my cancled order?
Answer
2012-07-04 11:36
Parveen Sudan
General:
Dear Sir, I am working in income tax department under contract basis and my salary is Rs. 6,078/-. As u well aware in these days it is very difficult to run the home in such a small amount. I am also a patient of renal stone and my worry is my family. I don't know which health insurance or policy will be beneficial for me. Plz guide me accordingly. Thanks & Regards, Parveen Sudan 8950086416
Answer
2012-09-02 14:28
Manoj Vyas
Travel Insurance:
Hi, I am bringing my father for long term. I want his travel insurance including health insurance. His age is 71 years. Is it possible to get long term insurance for him? Please advise. Regards Manoj
Answer
2012-10-06 06:26
raj
Claim Process:
My father was hospitalized in a non network hospital in the month of August 2012 due to mild heart attack. He stayed for a week in the hospital and the total bill amount comes to Rs 32,000/- apprx. I have submitted all the original bills and documents to the Insurance Company to claim the amount. However, the claim was rejected as my father's name is not written in some of the medical bills and presciption. But his name is clearly mentioned in the Discharge Summary and the history of the treatment. Please let me know how can I take further from this to claim the amount?
Answer
2012-11-26 08:40
Tejas
General:
Hello Panditji, I have TATA-AIA four insurance policy. 2 for my mother - now age is 59 - from 2007 1 for my brother - now age is 30 - from 2007 1 my - age 33 - from 2007 with rick cover,pay 4034 Rs. every month through ECS my question is now 2013 six year complate for above policy.I countinue above all polciy or widrow some amount from policy. pls. guide. Tejas
Answer
2012-11-28 05:28
Nikhil Oltikar
Marine Insurance:
If a company owned vehicle, registered in the name of the company, transports goods, Can the goods be covered under Marine Insurance?
Answer
2013-01-14 15:51
Anitesh samanta
Health Insurance:
I wany to buy a health policy for me and my wife for sum insured of Rs 500000. Should I go for Individual plan or Family floater plan.Please give the best plan among the companies NEW INDIA,UNITED INDIA,ORIENTAL,UNITED INDIA for above SI of Rs 500000.Please suggest.
Answer
2013-02-08 08:51
Rajan Srinivasan
Travel Insurance:
I intend to take insurance for my mother in law for one month and her stay abroad may extend by another month. Can I take an extension in such a case before expiry? How will the premium be worked out and how to do it?
Answer
2013-02-16 10:00
nilesh
Refund and Cancellation:
i have one policy policy details:- policy name:-max life life gain plus 20 participating plan. term:-20 years annual premium 5000. total premium 10.10 years every year 5000. death benefit 100000. case value after 20 years between 100000 to 125000. I have paid 4 premium.means total paid 20000. now i want surrender this policy but case back only 10000. if i m surrender after 10 years then case back all paid premium.means 50,000. now i m confuse.. pls help me What should I do.
Answer
2013-03-08 14:11
Sham Irani
Benefits and Coverages:
If i want to claim medical bills and tests without getting admitted which policy is best?
Answer
2013-03-12 12:48
Naresh Kumar
Health Insurance:
Hi,I am working in BSNL and my wife is working in DAV college on state govt. aided post.She is getting fixed monthly medical allowance of 500/-.I want to clear following doubt 1. Can I claim hospitalization expenses of my wife as dependent from BSNL as no indoor treatment expense reimbursement facility is available to her 2.If yes for 1, then why should I think for a health insurance for my wife. Are there some merits for this. 3. If no for 1, which policy should i go for her. Her life insurance has also matured and I am confused between life and health insurance. Please advice Regards
Answer
2013-04-05 13:27
yogesh.pankar
Personal Accident Insurance:
I want to take personal accidental coverage for my labour. I am building contractor. my labour inovoled in painting of buildings. I want blanket personal accidental policy. Kindly suggest me personal accidental policy for my labour. I want to take policy from THE NEW INDIA ASSURANCE. Kindly tell me premium for 100 labour with detail premium calculation. Do it on urgent basis.
Answer
2013-04-30 09:14
S
Travel Insurance:
I have recd ur Quote# Q517BC9C9E273C. Plz let me know that out of (1) ICICI Lombard, (2) Cholamandalam MS (3) Star Health (4) HDFC Ergo (5) Bajaj Allianz (6) Reliance General (7) TATA AIG, which is the best plan in terms of Cashless, OPD, TPA and other related USP for travelling to US with my Spouse (46), Duaughter (22 & 18).I am travelling on 21st may'13 & will be back in 30 days.
Answer
2013-05-01 07:57
ankit123k1
Discounts:
How does voluntary deductibles effect my premium? Currently i have car insurance policy from Berkshireinsurance in gurgaon
Answer
2013-05-17 19:58
shr chowdary
Travel Insurance:
plz let me know the best travel insurance policy for Mt Kailash, Manas Sarovar and Mukthinadh yatra for Indian traveller leaving from Hyderabad.
Answer
2013-05-21 11:31
AMA
Claim Process:
my father had a paralysis attack after me paying for the insurance policy and after undergoing medical tests conducted by insurance company but before the policy got activated? the insurance company is now rejecting the claims by saying 'NON-DISCLOSURE OF MATERIAL FACTS (as per previous pre-auth patient had non-disclosure of paralysis CVA))' and they are saying the policy will be terminated becasue of the same?
Answer
2013-08-04 11:34
Nirmal Gurung
General:
Recently i have bought a term plan insurance called HDFC Classic Insurance plan amount of Rs 20,620 per quarter for 7 years. I just want to know that whether this is a good plan or not and how much money i will receive after 20 years maturity in this plan.
Answer
2013-09-22 13:18
Bhagat Singh
Personal Accident Insurance:
I have 03 PA Policies one 15 lakhs & another 20 lakhs. How much claim I got it.
Answer
2013-09-22 13:30
Bhagat Singh
Personal Accident Insurance:
Can I purchase more than one Personal Accident insurance policy? What will happen in case of death of policy holder? Can I claim total sum insured of both policy?
Answer
2013-09-26 08:16
Gopinatha B R
General:
A Suggestion : Please print basic FAQ's & glossary terms on the back side of the Premium policy receipt in case of Vehicle insurance. By doing this you are educating the mass. Today most of the people blindly pay the premium with out knowing what is what ?
Answer
2013-09-26 09:19
saumen deb
Health Insurance:
is there any return from lics health plus plan(901) after expiry date.
Answer
2013-10-03 08:52
T A KHAN
General:
My date of birth is 25/08/1956. I have diabetes type2 and mild hypertension for last 8 to 10 years and take regular medicines and diseases are well controlled.Please suggest me a best health insurance policy which covers my present and future ailments with least waiting period. thanks, T A KHAN MOBILE- 9415460352
Answer
2014-04-11 09:53
Rajan
Health Insurance:
Dear, I have 8 years old policy in Bajaj Allianze. I have added my wife's name in it in January_2014. And now today my wife has problem in his neck and has to do operation to remove the thyroid. can i get cashless treatment...? or Post operative claim in Bajaj Allianze...? Let me know this as soon as possible... because i do not have enough time..?
Answer
2014-05-29 07:15
Bonnie'Foote
Health Insurance:
How do I cancel my health insurance? I was told on the phone I would be sent an e-mail from the Company and did not receive the e-mail for cancelation. I did not know I had this insurance that I have paid for and have never received a policy. I have insurance with Blue Cross. I want this cancelled ASAP. You can reach me at 573-380-1031. Sincerely Bonnie Foote
Answer
2014-09-29 11:43
Sreekanth A
Travel Insurance:
How to find that how much amount will be received by the nominee in case of accidental death happens? is it the same amount which you shown in the max coverage? Please clarify
Answer
2015-03-07 12:48
rajiv k
Directors and Officers Liability Insurance:
I M A MIDLE MANGER IN ALEADING LIFE INS COMPANYHE SAM WE ARE SOMETIMES IN RISK OF THR OVERSIGHT OR ERROR MAKE EXCESS OR WRONG PAYMENTS TO CLIENTS IN THEIR SURRENDERS MAT CLAIMS ETC USUALL THEY ARE DIFFICULT TO RECOVER AND NOT MUCH MECHANISM IS AVILABLE TO RECOVER TO RECOVER AND ULTIMATELY IT MAY BE RECOVERED FROM US I WANT ALIABLITY INDEMNITY POLICY WHICH CAN INDEMNIFY ME TOWARDS SUCH RECOVERIES MADE BY MY COMPANY AFTER RECOVERY FAILS FROM CLIENTSD
Answer
2015-04-10 14:41
jayanthreddy
Travel Insurance:
my brother left india on dec2014, he gone to us for persuing his ms, now can i take travel insurance policy for my broyher in india
Answer
2015-10-31 20:41
H Dingankar
Benefits and Coverages:
I have two health insurance policies (family floater)- 1 from New India assurance and 1 from Star health. Each have a cover of Rs 5 lakh. I had a query regarding the limit for room charges..Each policy states that room charges up to 1% of sum insured are eligible (so Rs 5000). So in case a room charge is say 8000 per day, will it be proportionately shared by the two companies or only Rs 5000 will be covered and the remaining 3000 will have to be borne by me?
Answer