Exec will succeed current CUO, who is stepping down for family health reasons
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Exec will succeed current CUO, who is stepping down for family health reasons
When it comes to choosing a health insurance plan, you have a plethora of choices that are easily available. In this post, we are discussing some such plans which cover your dental health insurance.
The market is full of numerous health insurance plans to choose from. However, the availability of different plans add up to the confusion while looking for the most suitable health insurance policies. The range of features available at competitive prices further enhances the complexity in terms of the choice. Thus, most people look for peers and experts to get better understanding and technical knowhow of the policies, especially their features. This way, they can make sure to invest their money in the most suitable insurance policies to suit the needs of their family.
All health insurance policies generally come loaded with several appealing features. However, as a novice it is important for us to have the essential knowledge about such features, particularly about the exclusions. Exclusions are the features that are not included under the plan or for which you do not get coverage under your health insurance plan. Dental treatment is one such exclusion that is usually not available in most health insurance policies.
There are very few best health insurance plans that allow coverage against dental treatment. So, for people looking for dental coverage in health insurance can seek the same with the available plans, which are limited in number. We are discussing below some of the best health insurance plans offering dental health insurance.
This is an all- inclusive health insurance plan that provides coverage against the expenses incurred on dental treatment along with other coverage.
Features:
Variants | The plan is available in three variants, namely – Standard plan, Exclusive plan and Premium plan.
Standard variant – ranges from INR 2 lakh to INR 5 lakhs. Exclusive variant – ranges from INR 7.5 lakh to INR 50 lakh. Premium variant – ranges from INR 4 lakh to INR 50 lakh. |
Age limits | For Children – 3 months and above (provided one of the parents is already covered under the annuity).
For Individual Plans (Adults): Minimum entry age – 18 years Maximum entry age – 65 years (Includes all variants with renewability for life) |
Coverage | Offer coverage for:
In-patient hospitalization Ambulance charges (INR 2000) Pre, post hospitalization Day care treatment Domiciliary costs Charges for organ donation AYUSH treatment Cash benefit of daily on the basis of shared accommodation Newborn coverage Maternity coverage Free health check-up (up to 1% of SI after 3-4 years as per plan variant) |
Dental cover | OPD or outpatient coverage for dental coverage is allowed only after the completion of 3 years waiting period.
The coverage is offered under Premium Plan only Up to 1% of the Sum Assured can be availed as a coverage amount up to a maximum of Rs.5000 if a For INR 4 – 10 lakh Sum Assured, you can avail over 1% of SI as a coverage amount or to a maximum of INR 5000. For INR 15 – 50 lakhs sum insured, the utmost limit goes up to INR 7500 |
Dental coverage exclusions | There are certain exclusions for dental coverage, which is offered only after 3 years of continuing the policy:
These exclusions are totally excluded from the insurance plan even after the completion of the waiting period. They include: cosmetic operation, dental implants, orthognathic surgery, dentures, orthodontics, jaw alignment, dental prosthetics, surgery of jaw bone and so on. |
This plan also offers coverage for dental insurance for treatments if they are caused because of an accident.
Features:
Variants | The Bharti AXA plan comes in two variants namely, the Basic plan and the Optimum plan
Basic variant – offers coverage for INR 2 lakh Optimum variant – offers coverage for two options of INR 3 lakh and INR 5 lakh. |
Age limits | For Children – 3 months and beyond (provided parent/parents already covered by the plan).
Individual Plans (Adults): Minimum entry age – 18 years Maximum entry age – 65 years (both variants with renewability for life) |
Coverage Offered | Offer coverage for:
In-patient hospitalization Ambulance charges (INR 2500) Pre, post hospitalization Day care procedure Physiotherapy costs for in-patient Treatment of out-patient in case of accidents Domiciliary treatments Organ transplant charges Free health check up after every 4 years The above coverage is offered under optimum variant. Ambulance charges of INR 1500 available with basic plan. |
Dental coverage | The plan offers dental health insurance if it is caused due to accidents under Optimum plan of up to INR 3000 with INR 3 lakh SI. INR 5000 coverage is available if the SI is INR 5 lakhs
|
Exclusions for dental coverage | The plan covers dental treatment only if it is necessary after an accident (that damages gums and teeth of policyholders).
If a treatment has not arisen by accidents, they are entirely excluded from such policies. |
Read More: Dental Insurance Policy in India – Everything you Need to Know
To Sum Up
Since there are very few plans available for Dental Insurance in India, it makes it difficult for people who are looking for dental coverage under their health insurance plans. Since dental insurance plans are not sought by many people, the options are restricted to a few and not many insurers are offering such plans. So, if you want to avail dental treatment coverage, choose a plan that allows enough coverage with less exclusions.
Found this post informational? Browse PayBima Blogs to read interesting posts related to Health Insurance, Car Insurance, Bike Insurance, Term Life Insurance and Investment section. You can visit PayBima to Buy Insurance Online.
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Who is the 1st party in bike insurance? Why is it important for them to get bike insurance? What are the differences between 1st and 3rd party insurance? All these questions answered in this space.
In India, it is mandatory to get bike insurance before riding the vehicle on the road. When it comes to motorbike insurance, there are two types of policies available – first-party insurance and third-party insurance. It is essential to know the importance of both and the differences between the two types of plans before deciding to buy your bike insurance policy.
First party insurance refers to a type of bike insurance plan wherein only two parties are involved – the policyholder or the insured and the insurance company or the insurer.
This means that in case of any damage or harm to the bike under any event, the insured is entitled to raise a claim directly with the insurer for cost coverage of damages. Moreover, the cost coverage provided under first-party bike insurance plans is generally better than the other plans, offering comprehensive coverage to the insured for any harm or damage caused to the vehicle. These may include damage to the bike in the event of a natural calamity, fire, theft, and the like.
This means that whether there has been damage to the bike due to natural disasters or man-made (accidents, theft, etc.), with first-party bike insurance, you can easily expect to receive claims for all costs incurred on repairs involved therein.
This policy is different from 1st party insurance such that it involves not just the two parties (insurer and the insured) but also another third party. In this case, if the insured or the policyholder is involved in any case with another third party (individual) wherein the latter has suffered damages either directly or to a property due to any fault of the insured, third-party bike insurance would cover all legal liabilities for the insured.
For instance, a policyholder buys third-party bike insurance and at one instance, gets involved in an accident case with another individual or third party. The third party accuses the insured of causing damage to the property of the third party or harm/injury to the third party during the accident. In this event, the third-party bike insurance purchased by the policyholder would help cover all costs involved in any legal case that may be filed by the third party in this case.
This explains why this insurance policy is called third-party bike insurance because it is meant to provide coverage for costs incurred on repair of damages only to a person or property belonging to the third party. This also means that even if the bike of the insured suffered damages in the process, he/she would not be able to claim costs under the third-party insurance, which would only cover costs for all liabilities arising from third-party damages.
We already discussed the meaning of both first-party and third-party bike insurance above. Now let’s look at the key differences between the two insurance plans to help you make an informed choice:
Parameters | First-Party Bike Insurance | Third-Party Bike Insurance |
Bike Value | In case of new, first-hand, or expensive bike model, first-party insurance is more effective in recovering damage costs | If the bike is old or its value has depleted, third-party insurance is more beneficial to cover complete cost of damage and regular maintenance |
Insurance Coverage | Limited cover; only for damage to own bike owing to natural or man-made disasters | Covers only damages caused to third-party person or property; the insured cannot claim for damage to own bike |
Premium Payable | First-Party bike insurance premium rates are generally higher on account of maximum risks covered for the owner | Premium for third-party bike insurance is comparatively lesser |
Add-on Covers | More add-on cover options offered to the policyholder | Limited add-on benefits; only personal accident cover add-on available to the insured |
Claims | Direct claim-filing possible by the insured with the insurer | Claims can only be filed by the third party |
In India, every bike owner is mandated to purchase third-party bike insurance cover along with the bike. On the contrary, first-party insurance is not compulsory to buy. However, the latter is always more preferred over third-party bike insurance. Here’s why.
As we learned above, the third-party insurance provides coverage only to the third party for any damage caused to person or property during an accident. In this case, the policyholder or insured is not allowed to raise a claim against any damages caused in the same incident (involving their bike). In other words, third-party insurance, though mandatory, has only limited coverage.
First-party bike insurance, on the other hand, is more comprehensive in terms of coverage, providing protection to the bike-owner/policyholder for any damage caused to the vehicle. In the case of two wheelers, it can never be denied that risks are inevitable. Accidents can happen anywhere. In case of an accidental damage to self or bike, the policyholder would remain deprived of bike insurance coverage only with third-party insurance. But with the first-party insurance benefit, all risks to the owner are covered as it provides all-round cost coverage.
Read More: How to Claim Compensation under Third Party Two Wheeler Insurance?
With everything getting digitized in the current era, the best way to buy all kinds of insurance is online. Buying bike insurance online is quite comfortable and hassle-free. Moreover, upon expiry of the policy term, bike insurance renewal is an equally easy and smooth process which can be carried out online in just a few clicks.
You can visit PayBima for all your bike insurance needs, such as knowing the process for bike insurance renewal online and finding the bike insurance price. Some of the best discounted deals on insurance of motorbike are available on PayBima to suit all requirements and budgets.
Found this post informational? Browse PayBima Blogs to read interesting posts related to Health Insurance, Car Insurance, Bike Insurance, Term Life Insurance and Investment section. You can visit PayBima to Buy Insurance Online.
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A step forward by the Indian government to make health insurance accessible to the common man. Learn all about Government Health Insurance schemes, their importance and objectives in this blog.
Health insurance is the need of the hour for every person in the country. If there’s anything that the COVID era has taught us, it is to keep ourselves insured and protected at all times. Health insurance plans are the best way to safeguard our future against any emergency or unforeseeable expenses when it comes to our health. However, there is yet another harsh reality.
Not every person in our country can unfortunately afford the cost of buying health insurance plans even for themselves, let alone their family. This is why the government of India has taken a step forward in the direction of making health insurance plans affordable and accessible to all. Government Health Insurance helps ensure that every person in the country insures his/her health against life’s uncertainties.
Government health insurance plans are backed or sponsored by the state and central governments with the prime objective to ensure that healthcare is available in every nook and corner of the country. Most parts of India, particularly the rural areas, still do not have easy access to all medical care facilities in the country.
This is where government health insurance schemes in India play an important role. The state government of every state is primarily responsible for ensuring good health and well-being of all its residents. It is for this reason that the government has joined hands with the private sector in launching and backing various government health insurance plans in the country.
The very basic reason why government health insurance came into existence is to ensure that each and every person in the country, particularly those residing in the remotest parts of India, are not deprived of basic health insurance services. After all, anybody can fall prey to dangerous diseases, illnesses or health conditions. This is why it’s important that each and every person in the country has access to good-quality healthcare.
And since quality medical care comes at a cost (which may often not be affordable by the poor man), government health insurance plans come to the rescue. Backed and sponsored by government fund support, these schemes offer affordable health insurance to one and all.
There are some very helpful advantages of government health insurance plans for the common man. Some of these are listed below:
Now that we learned how government-backed health insurance plans are nothing but a boon to our society, let us look at some of the most popular government health insurance schemes that currently operate in India:
The plan provides insurance coverage for all medical care services required during an emergency, such as cost of diagnostic tests, hospital stay, follow-up consultations, and the like.
>>Top Government Health Insurance Companies in India and Their Health Insurance Plans
Wrapping it Up
Government health insurance comes as a boon to the common man of India in the wake of harsh realities where basic healthcare can be highly inaccessible without the shield of insurance cover. As a result, the poor and the unprivileged sections of the society end up suffering due to illnesses, sometimes even succumbing to their deadly end.
To prevent such unfortunate cases and to ensure the well-being of each and every citizen of the country, the central and state governments sponsor these insurance schemes and implement them in every state of the country in partnership with the private sector. Health insurance is an absolute necessity and should be accessible to one and all. Find the best health insurance in India on PayBima.
Found this post informational? Browse PayBima Blogs to read interesting posts related to Health Insurance, Car Insurance, Bike Insurance, Term Life Insurance and Investment section. You can visit PayBima to Buy Insurance Online.
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