Health Insurance

Introduction of Travel Insurance mandatorygyan

02/10/2023 / Health Insurance

In 10 Century we don’t aware of Insurance related what is travel insurance. At that time, they believe himself on his/her strength after that time has been changed. In 17th Century European cities’ like London, Paris, Rome etc.

Travel on state or country for culture prospective to understand value and religious what culture are there. In 17th Century Tourism travel will be start easiest and fashionable and relaxation to travel. After year’s tours become more structured, In 19th Century travel more reliable with modern facility with railway system. In this time people travel by the train once state, city, country. However, in 1840s, an extensive network of railway was built and peoples started to travel for fun, relaxation, culture understanding at that time. Travel is the movement of people between distant geographical location base wise

Read more: – more interesting history of travel.

Travel Insurance mandatorygyan “History of Travelling in the 20th Century”

Since After, things started to move growing fast in travel sector. Travelling become much more accessible via Ships. After the 2nd word war with the rise of air travel and people start travel more and more and with the internet and with apps we have on our smartphones, it’s easier than ever to more and navigate your way in new country at that time. In 1960s, we are started to face the over tourism. We can be anywhere in the word in less than two-five days, and it’s a great privilege of our times, Roman that time used to travel to learn from history.

At that time in during the travel people get mishappening at that time also. They will take care at himself. After few years’ travel is move reliable to here to there or any country with specific or rules and regulation with visa/Passport at time. Now in Current Century more reliable service are integrated by the human invention. At that time and current time during the travel misshaping happened in life as earlier. After that company and regulatory approach to lunch Insurance to provide financial protect against in travel misshaping as well.

What is Travel Insurance mandatorygyan?

In simple way: – Travel mean- Yatra or Journey and Insurance mean –Suraksh or Security, equal- Travel Insurance is protection against during the travel period such as health related, accident, to protect financial losses to the customers.

Why travel Insurance mandatorygyan?

Travel Insurance required due to secure your family and yourself during travel period if any misshaping you and your family member to protect financial losses.

What comes under Travel insurance mandatorygyan?

In travel insurance – Travel cover under such as Train, Airplane, Buses, Bike, Private jet, Ship, Auto Rider and Cabs etc. and much more. Depend up going and upcoming rules and regulations.

Why many type of Travel Insurance?

Domestic & International

Financial Security mean – If you have taken travel policy if any misshaping in that condition insurer company will bear this amount against cashless or reimbursement without your own pocket.

Travel Insurance – Within State, City and other Country for financial security

Student Travel – In this Insurance, Student applied for further study in other country then he/she applied for that for financial security if any misshaping during the period and subject to depend country rules.

Medical Travel – In medical treatment doctor suggest to refer other country then will have to take travel policy as well.

Vacation Travel –Buy travel insurance once customer want explore the word to travel other country for traveling to get insured and protected himself.

Entry Age for Travel Insurance mandatorygyan

For International
• The minimum entry age is one day for a child and 18 yrs. for an adult
• The maximum entry age is 24 yrs. for a child and no upper age limit for an adult.
• The maximum entry age for an adult is as specified in the plan.

What is Travel Insurance Benefit/Advantage.

• Protect your financial Goal.
• Compensate against accident.
• Compensate medical treatment costs.
• Assistance misplaced passport.
• Emergency hospitalization.
• Theft or burglary protection.
• Any delay or loss of baggage protection.
• Flight delay coverage.
• Trip Options
• Claim Assistance
• Dental Expenses
• Common Carrier Accident Death
• Accidental –PTD|TPD
• Family Option Discount
• Automatic Trip Extension
• Missed flight connection
• Hijack distress Allowance
• Trip Cancellation or Interruption

What is Travel Insurance Loss/Disadvantage.

• I don’t think one life security purpose we purchase amount is loss for us.
• Yes, you have pay for that but not loss its beneficial anyway.

How to Purchase Travel Insurance mandatorygyan?

• Choose your Insurer company –Domestic and International.
• Visit on Website
• Enter details
• Show /Enter your visa or passport details
• Validate details on filled proposal
• Declare PED if any.
• Payment the premium
• Get the policy certificate on register email id
Or
• Connect with us for more enquiry.
• Provide details such as personal detail
• Visa and Passport and travel date
• Sign on proposal form or validate via OTP.
• Pay the payment via cheque or online if any.
• Depend travel insurance domestic & international plans.

Note – Within India- we don’t required visa & Passport only id proof required to validate insured person| Outside Indian -Factor to consider before buying any an international travel insurance please read term and conations and plan benefit.

How to Claim Travel Insurance mandatorygyan

• Coordinate your insurer and Call to Claim Assistance number.
• Provide Policy Number
• Provide Policy Member id & required document

Summary- We are here for you please raise request for call back will happy to assist you! If any query or doubt, please call instantly now🙏✈👇

Why to Choose Travel Insurance mandatorygyan

1. Hand Holding Support.
2. Help in Selection Right Policy for You
3. Help in Archive Policy Document E-Locker.
4. Call |WhatsApp |Email Support.
5. Instantly Response.
6. Lifelong Relationship Maintain.
7. Free Services.
8. Free E-books.
9. 50 % Course Discount After that You Will Earn.
10. Free Digital Basic Course.
11. Time to Time Policy Related Update to You.
12. Help in Claim Intimation Support.
13. Add in Private Group Member.
14. Will Guide to Group your Life
15. All in One Plate Form for You
16. Our Mission to Insured 1 Lac Lives.
17. In life, You Help someone genuine this kind return to you, it’s my trust…

“Why this offers –Only Intention to secure you and your Family to protect financial security. We Are Here for You. Make mind Clam take Action Now.”

If you have not taken Travel insurance, then you will face financial problems in future. Still are you thinking? take action now. would request will happy to assist you. don’t worry be free and call back to us and let me help you.

FAQ

Q. What is Travel Insurance?

• Travel Insurance is protection against during the travel period such as health related, accident, to protect financial losses to the customers.

Q. Why many type of Travel Insurance?

• Two Type of Travel Insurance –Domestic and International comes under all travel variant.

Q. What is benefit of Travel Insurance?

• Compensate against accident.
• Compensate medical treatment costs.
• Assistance misplaced passport.
• Emergency hospitalization.
• Theft or burglary protection.
• Any delay or loss of baggage protection.
• Flight delay coverage.
• Trip Options
• Claim Assistance
• Dental Expenses
• Common Carrier Accident Death
• Accidental –PTD|TPD
• Family Option Discount
• Automatic Trip Extension
• Missed flight connection
• Hijack distress Allowance
• Trip Cancellation or Interruption

Q. How many days earlier we have to update insurer for extension?

• Minimum – 7 Working days or earlier ASAP.

Q What Document required at time of Extension?

• Only Passport Number & Policy Number with existing insurer to identity with extension premium for further extension period in your policy.

Q. Where to update for extension?

• Existing Insurer Customer Care or Call to customer Care ASAP.

Q. How to Choose Best Travel Insurance?

• Call to us 8527971244 We will provide best plan for you.

Q. Passport lost during the travel Period, what to do?

• Call to Travel Assistant Number with provided at time purchase or call to customer care given number on bond.
• Also call to agent they will also provide support to you

Q. Is any Benefit to buy policy from mandatorygyan services?

• Yes, they will support ASAP and make lifelong relation once purchase from them.
• 24/7 Support
• Consultation on WhatsApp | Email | Call as per your convenience choice
• Free 50% discount of Courses.
• Free Software E-Books.
• Free Digital Basic Course.
• Add in private WhatsApp Group

Introduction of Travel Insurance mandatorygyan Read More »

The Ultimate Guide to What is Health Insurance: Your Path to a Healthier Future

20/09/2023 / Health Insurance

In a world where health concerns can strike at any time, having a reliable health insurance plan is your ticket to peace of mind and a healthier future. In this comprehensive guide, we’ll walk you through the ins and outs of health insurance, helping you make informed decisions about your healthcare coverage and its power words.

What is Health Insurance- Simple Word?

Health insurance is like a promise where you pay a bit of money regularly, and in return, when you get sick or hurt, it helps cover the cost of your medical care. So, you don’t have to worry too much about big doctor or hospital bills.

Why Health Insurance Matters

Simple Way: – Health insurance is like a shield that protects you when you’re sick or need medical care. It’s like having a safety net for your health and wallet.

Imagine you have health insurance. You pay a small amount of money every month, called a premium. This premium is like your membership fee for the insurance club.

When you get sick or need to see a doctor, your insurance helps pay the bills. It covers some or all of your medical costs. This can include doctor visits, hospital stays, and even prescription medicines.

For example, let’s say you catch the flu. You go to the doctor, and the bill is Rs 100. If your insurance covers 80% of doctor visits, you only have to pay Rs 20, and your insurance takes care of the rest

Subject to policy word and term and conditions of Health Insurance Plan features

Health insurance is like a safety net that catches you when you fall ill or need medical attention. It offers financial protection by covering a portion of your medical expenses, reducing the burden on your wallet.

Here's why health insurance matters:

Financial Security: Without insurance, medical bills can quickly add up, causing financial strain. Health insurance provides a cushion against these unexpected costs.

Quality Healthcare: Insurance allows you to access regular check-ups and preventive care, which can help detect and address health issues early, improving your overall well-being.

Peace of Mind: Knowing you’re covered in case of emergencies or illnesses provides peace of mind, reducing stress and anxiety.

How Health Insurance Works

Understanding how health insurance works is crucial to making the most of your coverage. Here’s a simplified breakdown:

Premium: You pay a monthly fee called a premium to your insurance provider. This is your membership fee for being part of the insurance company.

Deductible: This is the amount you pay out of pocket before your insurance kicks in. For example, if your plan has a Rs 10,000 deductible, you pay the first Rs10,000 of medical expenses.

Co-Payments: You might still have to pay a percentage of your medical costs. Co-payments are fixed amounts or % you pay for specific services.

In-Network vs. Out-of-Network: Insurance plans often have a network of preferred healthcare providers. Staying in-network typically means lower costs, while going out-of-network can be more expensive.

Types of Health Insurance

Explore the various types of health insurance, including employer-sponsored plans, individual plans, and government programs like Medicare and Each type has its own eligibility criteria and benefit

Understanding Age Band Premiums

What Are Age Band Premiums?

Age band premiums, in the context of health insurance, refer to the different rates or costs associated with health insurance policies based on the age of the insured individual. These premiums are typically divided into bands, each spanning a range of ages. The idea behind age band premiums is to reflect the varying healthcare needs and risks associated with different age groups.

How Do Age Band Premiums Work?

Age band premiums work by categorizing policyholders into specific age groups, often in five-year increments. The premiums for each age group are determined based on actuarial calculations that take into account the expected healthcare costs for individuals in that particular age range. As individuals move from one age band to another, their premium rates may change accordingly.

The Dynamics of Premium Changes

Why Do Premiums Change with Age?

Health insurance age band premium changes are primarily driven by the changing healthcare needs and risks associated with different age groups. Younger individuals, for example, tend to have lower healthcare costs on average, while older individuals may require more frequent and costly medical treatments. To ensure that premiums remain affordable and reflective of actual costs, insurance companies adjust rates as policyholders age.

How Do Age Band Premium Changes Impact Policyholders?

Age band premium changes can have a significant impact on policyholders. As individuals move into higher age bands, their premiums typically increase. This can pose challenges for those on fixed incomes or facing retirement, as healthcare costs rise precisely when income may become limited. It’s crucial for policyholders to be aware of these changes and plan accordingly.

Health Insurance Benefit in Bullet list:

Financial Protection: Health insurance provides financial security by covering a portion of your medical expenses, reducing your out-of-pocket costs.

Provider Network Access: Most plans have a network of preferred healthcare providers, ensuring you have access to a wide range of doctors and facilities.

Doctor Visits: Health insurance typically covers the cost of regular doctor visits, allowing you to seek medical care when needed.

Hospitalization Coverage: In case of serious illness or injury, health insurance helps cover the costs of hospital stays and related treatments.

Emergency Care: Insurance ensures you’re covered for unexpected medical emergencies, such as accidents or sudden illnesses.

Prescription Drug Coverage: Many plans include coverage for prescription medications, reducing the cost of necessary drugs.

Preventive Care: Insurance often offers free or low-cost preventive services like vaccinations and screenings to catch health issues early.

Maternity and Newborn Care: Health insurance includes coverage for pregnancy-related care and the medical needs of newborns.

Mental Health and Substance Abuse Treatment: Insurance plans typically cover mental health services and treatment for substance abuse disorders.

Dental and Vision Care: Some plans offer optional coverage for dental and vision care, helping maintain overall health.

Pre-Existing Conditions: Health insurance, in compliance with the law in many places, covers pre-existing medical conditions.

Wellness Programs: Many plans include wellness programs and incentives to encourage healthy living and preventive care.

Family Coverage: Health insurance often allows you to include family members, ensuring their healthcare needs are met.

Telemedicine Services: Some plans offer telemedicine services for remote medical consultations, making healthcare more accessible

Preventive Vaccines and Screenings: Insurance plans often cover certain preventive vaccines and screenings to keep you healthy.

Tax Benefit: Section 80D offers tax benefits on health insurance premiums.

Health Insurance Disadvantage in Bullet list:

Financial Risk: Without insurance, you’re at risk of facing high medical bills that can lead to financial hardship.

Delayed Treatment: Lack of insurance may lead to delayed medical treatment, worsening health conditions.

Emergency Expenses: Unexpected medical emergencies can result in significant out-of-pocket expenses.

No Preventive Care: You may skip regular check-ups and preventive care, missing the chance to catch health issues early.

Risk of Debt: Medical debt can accumulate quickly, potentially leading to long-term financial struggles.

No Prescription Coverage: You may have to pay full price for necessary prescription medications.

Unpredictable Costs: The uncertainty of healthcare costs can make it challenging to budget for medical expenses.

When applying for health insurance, you typically need the following documents:

Application Form: Complete the insurer's application form with your personal information.

Identification Proof: Provide a valid ID proof, such as a passport, Pan Card, driver’s license, or Aadhar card.

Address Proof: Furnish an address proof like a utility bill, voter ID, or rental agreement and Aadhar Card.

Age Proof: Verify your age with documents like a birth certificate or passport and Pan Card.

Passport-sized Photos: Attach recent passport-sized photographs as per the insurer’s requirements.

Income Proof: Some policies may require income-related documents like salary slips or income tax return details need to be mention on proposal form.

Medical History: Declare your medical history, including pre-existing conditions, if any.

Medical Reports: Submit any relevant medical reports or test results if requested.

KYC Documents: Fulfill Know Your Customer (KYC) requirements as specified by the insurer.

Bank Details: Provide bank account details for premium payments and claims settlement.

Nomination Form: Complete a nomination form indicating the beneficiary in case of your demise.

Declaration: Sign a declaration form stating the accuracy of the information provided.

“Remember that specific requirements may vary among insurance providers and policies. It’s essential to thoroughly review the insurer’s guidelines and consult with their representatives or agents to ensure you have all the necessary documents for a smooth health insurance proposal submission”

In Conclusion

Health insurance is your ticket to a healthier future and financial peace of mind. It’s an investment in your well-being, ensuring you’re covered when life throws unexpected health challenges your way. Don’t delay; explore your health insurance options today to secure a healthier tomorrow.

Why to Choose Health Insurance via Mandatorygyan

1. Hand Holding Support.

2. Help in Selection Right Policy for You

3. Help in Archive Policy Document E-Locker.

4. Call |WhatsApp |Email Support.

5. Instantly Response.

6. Lifelong Relationship Maintain.

7. Free Services.

8. Free E-books.

9. 50 % Course Discount After that You Will Earn.

10. Free Digital Basic Course.

11. Time to Time Policy Related Update to You.

12. Help in Claim Intimation Support.

13. Add in Private Group Member.

14. Will Guide to Group your Life

15. All in One Plate Form for You

16. Our Mission to Insured 1 Lac Lives.

17. In life, You Help someone genuine this kind return to you, it’s my trust…

“Why this offers –Only Intention to secure you and your Family to protect financial security. We Are Here for You. Make mind Clam take Action Now.”

If you have not taken health insurance, then you will face financial problems in future. Still are you thinking? take action now. would request will happy to assist you. don’t worry be free and call back to us and let me help you.

The Ultimate Guide to What is Health Insurance: Your Path to a Healthier Future Read More »