Halloween Costume ideas 2015
ZinPlus.Blogspot.Com tutorial, Tips and trick insurance life..
Latest Post
Twitter Facebook

5:51 PM
Not sure, what kind of health insurance coverage you required?  Let us help. We can calculate premium for you with the complete coverage that best suits your requirements.

Compare different health insurance plans to find the best-suited insurance cover. You can estimate annual insurance cost and savings or chat live with one of our expert adviser.

Individual health insurance works against the risk of incurring medical expenses among individuals. You can save money by comparing different insurance plans, regular reviewing your health insurance coverage, taking benefits from your employer’s medical coverage and living a healthy life style.

Health insurance is a way to protect you and your family from dangerous financial disaster that could be result of medical expenses or health related issues. Health insurance is the only way, which can help you in such critical situation. There are ways that save money on your health insurance premium like:-

  • Compare OnlineInsurance: Compare the different insurance policies with the complete plan details will definitely provide you the best suited health insurance policy as per your need.
  • Opt for two-year policies: Health Insurance Companies like Apollo Munich, HDFC Ergo, and Star Health offer two-year health plans. Chances are you will benefit on more than just the premium front.
  • Use Top up Health Insurance Plans: If you are looking for higher coverage, you can go with the top up health insurance plans. Enhancement in health insurance policy ensures that you get much improved policy at an affordable premium. 
  • No Claim Benefits: With a successful year without the insurance claim means, the premium you would pay in the following years would be lower.

Twitter Facebook

12:41 AM , , , , , , ,

BRSCC launch motorsport insurance initiative with MORIS.co.uk

Justin Everitt (MORIS.co.uk) & Dominic Ostrowski orf BRSCC
One of the most important pieces of paper for any MSA race licence holder is their own accident policy of insurance and MORIS.co.uk have been able to demonstrate they are ahead of the field when it comes to accessibility, speed and price. As Justin Everitt explains:

"I first had a race licence in 1986 and have had the pleasure of racing many cars since then. Most recently in the race winning MARCH 09R, but in this time also I have become painfully aware that while I have been lucky to survive uninjured, other are not so lucky. Serious accidents are very rare in motorsport – but they do still happen and so when I first tried to get myself insured I was surprised at both the cost and difficulty with which many brokers seemed to have in providing quick, easy and affordable solutions, so this set us on the path of creating an accessible and affordable insurance product specifically for MSA licence holders"

Motorsport Insurance Survey

MORIS.co.uk commissioned a small survey of motorsport insurance brokers with surprising results.  “The problem with all the motorsport insurance brokers who were approached was their speed of response. A premium of a few hundred pounds carries little earning potential for brokers to humble amateur race licence holders do not get the service they might expect. Some brokers wanted a swath of paperwork to be completed and some took as long as two weeks to generate a simple quotation. None were able to return a quotation in less than 48 hours. How quickly any of these brokers could produce a policy will no doubt vary considerably too. This has nothing to do with deriding motorsport insurance competitors comments Everitt, “but it is all about the internet platform that we have and which sets us apart from everyone else in the motorsport insurance game”


"Talking to Competitors at their level was vital"
 
In 2011 Everitt raced under the “I’m Insured – are you?” heading and the MORIS Marvels undertook further research with competitors asking simple questions about whether they regarded motorsport as being dangerous, whether they were insured or not and what they considered to be a fair price to pay for their insurance. 

 “The results were staggering” 

recalls Everitt, saying “so few actually had any cover and so many believed it was likely to be so expensive that they seemed to gloss over the whole subject and many were shocked to learn that for £69 an MSA race licenceholder can be covered for up to £250,000 for disability and I don’t know of any other worthwhile piece of paper in a race drivers kit bag”  

Going On Step Further with Race Driver Insurance

“We have been encouraged with the increasing number of MSA race licence holders who have taken advantage of our on-line motorsport insurance but at MORIS we wanted to improve on this further and create a “pay as you race” on-line insurance solution also and we are terrifically pleased to have the support of the British Racing and Sports Car Club (BRSCC) who  have partnered with MORIS.co.uk to launch a new insurance initiative that introduces a quick and very simple means for BRSCC Racing Members to insure themselves on a race by race basis. Currently there is nothing as low cost as this in the market".
Cottrell - Insurance Initiative

BRSCC’s Chairman, Bernard Cottrell explains “MORIS.co.uk and the BRSCC have maintained a relationship for many years and we have often assisted them conduct accident damage surveys. Last year MORIS asked a sample of drivers about their attitude to personal accident insurance and we were alarmed to learn just how few had adequate cover, with the additional cost and inconvenience being identified as particular drawbacks. As the leading club in the UK we feel it is important to encourage competitors to get appropriate cover and MORIS offers the quickest and best value way of achieving this”.

Justin Everitt of MORIS.co.uk explains further “We now have a simple on-line system that allows competitors to buy and pay for straight forward insurance from as little as £5.99 per race meeting. Our seasonal policies allow for £250,000 of disability benefit for as little as £69 and to my mind there is no more valuable piece of paper that I have when I go racing than my personal accident insurance policy. No other motorsport insurance competitors can offer such instant cover at such low premiums”

Dominic Ostrowski, the BRSCC’s Head of Marketing & Communications, added, “Via the link on our website racing members can easily select the level of cover and premium they require and MORIS will then deliver an instant policy any time of day or night. This offers a quick and easy way of getting peace of mind for a relatively small outlay, certainly in comparison to the overall cost of going motor racing”.  









Related Links
MSA Competitor Insurance Survey by MORIS 
Insuring Racing Drivers
Balls Out Ladies
Motorsport Insurance Survey 
Insurance for Children in Motorsport 
BRSCC support motorsport insurance initiative

Related Videos 
Race and Rally Driver Insurance 
Racing Driver Insurance Survey
Twitter Facebook

12:52 PM ,
The comparison of Health insurance is not just those who are looking for new policy but also for the existing policyholders. If you are not satisfied with the services provided by your existing health insurance company or you think there are insurance plans better than your existing one, you do not need to worry. Your Health Insurance Policy is portable. It means transfer of the credit gained by the insured for pre existing conditions and time bound exclusion if the policyholder wishes to switch.

Benefits of Health Insurance Portability:

·          Switch to one insurer to another if you are not happy with the services.
·          Choose the new insurance plan with the new health insurance provider.
·          Your new insurer has to give you the credit relating to waiting period for pre-existing conditions that you have gained with the old insurer

Following are the few conditions that you kept in your mind while looking for the health insurance portability:
·          Policyholder can switch in between the insurance provider or from one plan to another plan of the same health insurance provider.
·          For health insurance portability, previous policy must be in force without any break.
·          Policyholder should apply for portability at least 45 days before the premium renewal date of the existing health insurance policy.
§  Write to your old insurance company requesting a shift
§  Specify company to which you want to shift the policy
§  Renew your policy without a break (there is a 30 day grace period if porting is under process)
·          Portability allowed to all individual health insurance policies including family floater policies issued by non life insurance companies.

·          The new insurer has the authority to fix a higher premium.
Twitter Facebook

1:21 PM
Bajaj Capital Insurance
You can enhance your medical coverage at lower premium by using “Top up Plans”.  Enhancement in health insurance policy ensures that you get much improved policy at an affordable premium.  The rising cost of quality care at busy hospital May causes that sum assured of your current insurance policy is not sufficient. 
Top up plans serves as add-ons on your immediate health insurance policy. They are similar to the base health plan, except that they come with a higher deductible limit.

You are concerned about the limited amount of sum assured since medical expenses have increased excessively. Here a condition comes in which you are looking for a sufficient amount of health insurance but worries about the high insurance premium. In this situation, you can consider the option of Top-Up Plans.
Top up plans have “deductible” hence they are cheap. These plans also have threshold limit sometimes as high as the sum insured itself.  

Top-Up Health Insurance Policy: - Top health insurance plans are for those who already have individual, group or family health insurance plan. If the sum assured of your current health insurance policy is not sufficient due to illness or any other reason, Top-up plans takes care of the additional hospitalization expenses.

Deductible: - Deductible means a cost-sharing requirement under a health insurance policy.

Mr. Mohit has an individual health insurance policy of Rs. 4 lakh and a top up policy of Rs 6 lakh with the deductible of Rs. 4 lakh. In case of the serious hospitalization with a claim of Rs. 10 lakh; Rs. 4 lakh will be paid from the primary insurance plan and Rs. 6 lakh will paid from top-up insurance plan.

In other situation, Mr. Mohit has a top up cover with the threshold of Rs. 4 lakh and he hospitalized twice in a year with bills of Rs. 2.7 lakh and Rs. 2.5 lakh respectively, the top-up plan will not trigger. The top-up plan will only trigger if the medical expense crosses the threshold limit of Rs. 4 lakh.

While selecting the insurance plan keeps one important thing in your mind i.e. higher the detectable, the lower will be the insurance premium. Do not opt for an unrealistically high deductible just to save on premium.


Twitter Facebook

4:44 PM
Health insurance plans are easier than ever these days due to the online insurance providers. Plans of different insurance providers can accessed quickly with all details and compared easily as per convenience.  Intelligent websites takes seconds in fetching the health insurance quotes. Depending upon the health cover that you choose, applying and enrollment takes only few minutes. 
But don't be in hurry because choosing the right health insurance plan for you and your family is a very important financial decision.
 
Whether you are looking for individual health insurance, family floater health insurance plan, senior citizen health insurance, and critical illness plan or top up health plans, here are five very important health insurance buying tips for online consumers.
1. Identify your need:  The identification is very important for health care. Your coverage option depends upon many factors like where you live, pre existing disease. What If your employer offers you health cover, Is it sufficient? Every individual have their unique need so they must go with the health insurance plan as per their need. 

2. Sum Assured: The maximum amount that ensured person could reimburse is "Sum Assured". Before choosing sum assured, take into account the rising cost of quality care in busy hospitals. Mean while also remember higher sum assured having higher insurance premium. 

3. Collect Information and health history: Also, know the health information of the health insurance provider. Review the claim settlement ratio and know what your company offers in case of no-claim: bonus or discount. 

4. Compare Health Insurance Plans: Do not compare insurance premium, compare the insurance plan. Health Insurance is a complex product that tightly coupled with the financial security. You need to get into comparing the health plan features in detail, or take help of an unbiased health insurance provider. 

5. Ask the Experts: You will likely have many questions in your mind as you go through the process of online health insurance purchase. Ask to the industry experts with free o cost before you buy health insurance and start paying health insurance premium.

Bajaj Capital Insurance, comprehensive online insurance portal provides health insurance plans from the top insurers in India. Such plans covers you and your family against the medical expenses such as Hospitalization expenses, Day Care Treatment, Pre & Post Hospitalization cover, ambulance, etc.

MKRdezign

Cong Tu Nha Que

Contact Form

Name

Email *

Message *

Powered by Blogger.
Javascript DisablePlease Enable Javascript To See All Widget