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Best skin care dermatologist & skin care treatment in Mumbai. Dr. Rashmi Shetty Clinic is one of the leading dermatologist center for skin care treatment.

Dr Rashmi has more than 15 years of experience in beautifying faces of various ethnicities and personally consults, analyses and treats each of her clients to bring out their natural best. At Dr. Rashmi’s you will be given the best professional clinical treatments using the most advanced technologies the world of skincare has to offer. Click here to book an appointment now!

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How does Medical Insurance Settlement work in India?

One cannot anticipate the financial emergencies that arise out of the blue, even though they are really cautious about their health. Just by purchasing a health insurance plan, one cannot hope to get rid of the worries that come about with the onslaught of the piling medical bills.

In recent times, the insurance industry has been consumer-driven. More than opting for a health insurance plan that comes with the most affordable premium, today’s insurance buyer settles for a plan based on his/her experience in regard to settling claims. Adhering to the growing awareness of insurance buyers today, most companies in India are eradicating all bottlenecks to fast-track the claim settlement process. It is almost safe to say that the current insurance space in India is focused on efficiency and reliability on the claim settlement ratio, which can be availed by both the urban and rural populace. However, while buying an insurance policy from brokers who are licensed according to the IRDA guidelines, one should be thoroughly acquainted with the nitty-gritties of the policy and its associated terms. For instance, the claim settlement procedures should be laid out comprehensively and a list of network-hospitals must also be provided to the buyer.

If you are a resident Indian, looking to invest some amount of your income in a medical insurance, it is imperative for you to conduct a due diligence on your insurer well in advance to keep away from discrepancies at a SOS stage.

Let us now discuss some of the key factors that you need to remember before investing in a suitable health insurance plan.

Coverage

One must be completely aware of what their health insurance or medical insurance covers. They must be aware of what are the aspects and facilities they can claim. Cashless provisions can only be executed within the hospital networks that come under the insurer’s purview. These provisions are also treatment specific and one cannot expect the insurer to cover all kinds of treatments.

Documentation

In case it so happens that a question of reimbursement comes up, the process can be a bit hectic. The insurer directly pays the expenses to the hospital in lieu of the purchaser. All the documents, including the bills of the medicines, treatments, reports and the like need to be furbished when one seeks reimbursement from the insurance company. Many a times, patient parties have been unable to provide the apt documents. These documents include the mediclaim insurance documents, bill of discharge, medical prescriptions, original receipts and the like. Even FIRs in case of hospitalization due to accidents have to be provided.

Informing the insurer

In cases of medical exigencies, informing the insurer might not necessarily be the first thing on one’s mind but it is very important to do so, so that the insurance company can provide the monetary support that is required. If one does not inform the insurer within a month from the day of discharge, then it can be troublesome. In case it is planned then all the pertinent forms need to be filled in order to claim all the facilities that the health insurance covers. It is preferable to do this prior to a week to avoid unnecessary hassles.

Timelines

As a consumer, it is good to know that the IRDAI or the Insurance Regulatory and Development Authority of India has made it imperative for health insurance providers to settle the claims that the consumer makes (with the necessary documents) in about 30 days.  

You can ensure speedy and easy settlement of your medical insurance claims with reliable insurance providers of India, for e.g. Bajaj Allianz General Insurance. Major market players in the BFSI sector, Bajaj Allianz General Insurance Company Limited boasts of settling medical claims with the fastest turnaround time of only an hour, and has recorded a settlement of over 2.9 lakh claims in the year 2017-18. So, if until now, you were under a notion that medical insurance settlement in India is only a far-fetched dream, it’s time to break that myth!

[yes-manju]

Top 10 Myths about Motor Insurance

The consumer has to be aware of the structure and factors that influence their motor insurance and not give in to the myths that surround the same. Here are a few myths we need to know and be aware of the reality.

Myth #1 Old cars do not require vehicle insurance

Both old and new vehicles need motor insurance according to the Indian Motor Vehicle Act of 1961. One might feel that a comprehensive motor insurance plan is unnecessary in case of old cars, but once stolen; its parts fetch a good price in the market even though as a whole, it fetches a low replacement value on its own.

Myth #2 Vehicle insurance covers accidents where the consumers are guilty.

If an accident occurs when the driver has been drinking and driving, or has been under the influence of drugs, the vehicle insurance policy will not cover the damages. Otherwise, all other hazards including mechanical problems with the car, natural hazards, riots and terrorism are usually covered by the vehicle insurance. Only, it is imperative that there is a valid driving license.

Myth #3 Loss of NCB due to policy transfer

With each claim-free year, a no claim bonus (NCB) is given to the policy-holder which is quite a lump-sum if it is accumulated for quite a long period. If the motor insurance is handed over to another holder, then the NCB is also gets transferred along with it.

Myth #4 Old cars only require third-party cover

The compensation is given only to third-parties who are affected in some way through the usage of the car. The owner is not compensated for any damage.

Myth #5 NCB gets automatically transferred to the new owner

The NCB does not get automatically transferred unless it is transferred by the policy-holder themselves. It is an indicator of the policy-holder’s driving skills and only they can avail the bonus.

Myth #6 Vehicle insurance covers all types of damages

If the driver had caused damage to the vehicle under the influence of intoxicants like alcohol and drugs, only then the vehicle insurance is turned down by the insurer.

Myth #7 There cannot be a change of the insurer after policy-purchase

Vehicle insurance is usually renewed after a year or two. During renewal, one can change their choice of an insurer and even avail the NCB from the previous policy they had taken from a different insurer.

Myth #8 Separate policy for owner and driver

One can include their driver into the policy and make certain of the fact that they have a valid driver’s license. Only then can the insurer validate the claim in case any damage is incurred.

Myth #9 The claim process is complex and personal losses are incurred

For motor insurance online, the insurer immediately dispenses the money without any other intervention or it can be claimed due to the inability on the policy-holder’s part to visit a garage within the insurer’s network.

Myth #10 The insurance portal has discrepancies

Getting a motor insurance is an easy process and registering the claim online after which the customer service provider follows up with the potential policy holder and help them with the formalities.

[yes-manju]

Ensure the safety of your health and other belongings with a travel insurance policy while you travel abroad!

[yes-manju]

Three Points You Should Know Before Buying Home Insurance

To buy your own home or build one from scratch is a momentous affair in anybody's life. It ticks off a major milestone in life. However, an act of nature or man-made activity can devastate not only your home but wallet too.

It is said that “Home is where your heart is!”

It is wise to a buy a home insurance for your home. It will act as a cover during testing times. Now, before you head off and look for property insurance India, there are a few things you should know. Take a look.

1. Know The Cover

When you are insuring your home, be mindful of two aspects: insurance for the structure and the contents inside the home.

Insure your home equal to the cost of rebuilding and not market price. This will save you money when you make a claim; rebuilding cost is often higher than market value.

For contents of your home, make a list and calculate the value of each item. When you make a claim, this will come in handy. You do not want to undervalue your contents, do you?

2. Estimate the Value

Once you have understood the covers, you need to estimate the value of the property to decide on a sum insured. The best way to estimate the value of a property is to find the current reconstruction cost. (That's cost of reconstruction per square feet multiplied by area in per square feet.) Remember that prices may change in the future so decide on the sum insured with care.

3. Claim Settlement Ratio

While nobody wants to see their precious home damaged, unfortunate incidents do happen and that's when insurance comes in handy.

When you pick an insurer, visit a few aggregator websites and check the claim settlement reviews. A good insurer has a high settlement ratio. Go for such firms. It is more painful to see a claim rejection than rebuilding a broken home.

These three points are simple and are something you should know before you go and buy home insurance.

It is always important to ensure the safety of your house. Thus, purchasing a home insurance plan is a wise decision.

[yes-manju]

Money Saving Tips When Travelling Aboard

Planning to travel abroad anytime soon? These tips will come handy to save money on your trip! #travel #tips

Planning to travel abroad anytime soon? Watch this video to get tips which will come handy to save money on your trip! Know more about travel tips and latest travel trends here https://www.icicilombard.com/insurance-information/travel-insurance-info 

[yes-manju]

7 Reasons you should avail Travel Insurance for your Trip Abroad

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Planning your dream holiday, and wondering how important it is to spend on a travel insurance? We give you seven reasons that will convince you to sign up for your policy, today!

[yes-manju]

Check out some Travel Tips for a solo women Traveller. Get latest travel updates here https://www.icicilombard.com/insurance-information/travel-insurance-info/page/3

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Secret to a worry-free vacation is right Travel Insurance. Watch how we can help cover your travel risks! Know more at -  https://www.icicilombard.com/travel-insurance/single-trip 

[yes-manju]

A complete guide to Family travel insurance plans

Be it a business meeting or a family vacation, travelling is always a soul enriching experience. Especially with the hectic schedules, it is important that you take frequent breaks. It not only provides you a relaxing time but also increases your productivity levels. To every country you visit, the government ensures that safety factor is taken care of. However, risks can be controlled and not prevented. Thus, it is vital for every traveller to avail a travel insurance plan.

A travel insurance plan will ensure your safety while you are away from your home land. Whether it is a medical emergency or instances where you lose important belongings, an international travel insurance policy will come to your rescue. And, if you buy a family travel plan, it will ensure safety for your family against all travel related risk.

What is a family travel insurance plan?

A basic family insurance plan generally covers a family of two or more adults and four dependents. So, if you are going on a vacation abroad with your family, you can buy a family travel insurance plan in order to avail protection for you and your loved ones. Also, buying such a plan will cost you much less than that of buying an individual plan for each member. Read on to know more about advantages of buying a family travel plan.

Benefits of a family travel insurance plan:

A single policy for whole family, eliminates the hassle of keeping or arranging different policy documents

The sum assured is shared by all family members, hence you only have to pay single premium. Also, as stated earlier, the premium cost will be much lesser than that of regular policies.

You also have the benefit of customising such plans as per the convenience of your family. It can be selected for a period of single trip, or multiple trips.

You can buy travel insurance online. It is convenient, time saving as well as cheaper than buying it through agents.

[yes-manju]

Loss of Baggage & Passport Cover - International Travel Insurance

Secret to a worry-free vacation is right Travel Insurance. Watch how we can help cover your travel risks! Watch the video to know more 

[yes-manju]

Retirement planning is better to be done early in life! Read through the post to know how to start saving for your retirement and lead a comfortable future.

Retirement planning is better to be done early in life! Read through the post to know how to start saving for your retirement and lead a comfortable future.

[yes-manju]

Why you should invest in long term two wheeler insurance policy? - Tackk

Are you one of those passionate bikers that ends up paying a penalty for not renewing the insurance policy? Well, we do not blame you. Going through all the troublesome procedure while buying the policy and then renewing it every year, it does...

A long term bike insurance policy will provide a protection to your bike for at least three years. So, you don’t have to stress about setting reminder dates for renewing the policy.

[yes-manju]

Know how you can save tax under section 80D by getting a health insurance policy. Check out in detail about the tax benefits of health insurance here http://bit.ly/2mOWAjt

[yes-manju]

Best Small Cars for Comfortable Commute

A car makes life easier providing quick and easy mobility, and comfort during commute. With so many cars and variants available in the market, there is a car for every budget. Here is a list of four popular choices in small cars, which are simplifying our lives on an affordable rate with their first rate services:

Next-Gen Ford Figo

Manufactured by Ford India, Next-Gen Ford Figo is the second generation model of Figo launched in 2015, six years after the initial launch.

Features

Comes in both petrol and diesel version

6 airbags

Anti-lock braking System

High-strength steel body

Offered in seven colours – Tuxedo Black, Deep Impact Blue, Ingot Silver, Ruby Red, Sparkling Gold, Oxford White and Smoke Grey.

Cost: ₹ 4,65,500 to ₹ 7,25,600

Tata Tiago

Manufactured by Tata Motors, the car was launched in April 2016.

Features

Available in both petrol and diesel variants

Anti-lock braking system

Electronic brake force distribution

Corner stability control

Dual Airbags

22 utility spaces

Smartphone enabled navigation app

Next Generation ConnectNext Infotainment System  

Offered in six colours – Platinum Silver, Striker Blue, Pearlescent White, Sunburst Orange, Espresso Brown and Berry Red.

Cost: ₹ 3.2 lakh to ₹ 4.69 lakh

Hyundai i10

Manufactured by Hyundai, this 2013 model slots between the Hyundai i10 and the Hyundai i20 model.

Features

Available in petrol, diesel and LPG variants

LED Daytime Running Lights

Dual Airbag

Rear Parking Assist System

7.0 Touch Screen AV System

Steering Wheel Remote Controls

Smartphone navigation

Rear Parcel Tray Luggage Lamp

Tilt Steering

Offered in six paint colours – Twilight Blue, Wine Red, Black Stardust, Pure White, Sleek Silver and Golden Orange

Cost: : ₹ 4.29 lakh to ₹ 6.41 lakh

Maruti Suzuki Swift

Features

Steering Mounting Audio Control

Audio system with Bluetooth

Automatic Climate Control

Tiltable Steering

Electronic Turn Indicators

Anti-lock braking system

Electronic brake force distribution

Driver seat belt reminder lamp and buzzer

Rear door child locks

Dual Horn

Driver Airbags (with passenger airbags optional)

Offered in 6 colours – Fire Red, Glistening Grey, Mysterious Violet, Pearl Arctic White, Granite Grey and Silky Silver.

Cost: ₹ 4.42 lakh to₹ 6.95 lakh

With a car comes the responsibility of handling it cautiously. Safe driving is not the only measure you need to take here. Register for a car insurance as soon as you buy your car. Today, when everything is only a few clicks away, you can buy online insurance for car too.

[yes-manju]

What are the Breakthroughs in the Field of Cardiology over the Years?

Cardiology, as a field of medicine and surgery, has witnessed a huge transformation over the years as compared to earlier. There was a time when people yearned for a cure for illnesses that affected the heart. With new technology and research, many avenues have been opened up to treat heart conditions effectively.

Cardiologists, or doctors that deal with heart ailments, have managed to be proficient in their field through persistent study of the heart and its functioning. Every well-known hospital in the world has some of the best heart specialist as part of their team to cater to the needs of patients.

Some of the major advances in the field of cardiology that have been a boon to people since its introduction are mentioned below:

Bypass Surgeries: 

Where the chances of a ensuring a successful bypass surgery were quite low in the earlier decades, the advances in technology and various inventions have made safe bypass surgeries a possibility with almost no major complications.

Angioplasty:

Heart specialists all over the world have managed to successfully perform angioplasty on their patients in order to unblock or surgically repair blood vessels. Angioplasty can be performed on coronary arteries, peripheral arteries, carotid, and renal artery.

Transplants:

The scope of organ transplant has increased greatly with new medical discoveries being made. Heart transplant, once a faraway dream, has now become achievable through the various transplant methods such as orthotopic procedure, heterotopic procedure, ‘living organ’ transplant, and non-beating heart transplant. While orthotopic and heterotopic procedures have been used quite often, living organ transplant and non-beating heart transplant have made quite a mark in the field of cardiology.

Apollo is one of the most well-known heart hospitals in Bangalore offering excellent treatment to patients suffering from cardiac diseases due to the numerous innovations made and the skilfulness that the specialists imbibed through perseverance and practise.

[yes-manju]

Treatment of coronary artery disease is important to reduce the risk of heart attack or stroke. Learn more on Coronary Artery Disease at Apollo Hospitals Bangalore.

Treatment of coronary artery disease is important to reduce the risk of heart attack or stroke. Learn more on Coronary Artery Disease at #ApolloHospitalsBangalore.