आर्थिक गुंतवणुक, सहा अंधळे आणि हत्ती

मित्रांनो, सहा अंधळे आणि हत्तीची गोष्ट आपल्या सर्वाना माहितच आहे. की एकदा सहा अंधळे, हत्ती नेमका कसा असतो हे समजण्यासाठी प्राणी संग्रहालयात जातात, प्रत्येक जण तेथील हत्तीच्या निरनिराळया अवयवांना स्पर्श करून पुन्हा एकत्र भेटतात.

आपले अनुभव सांगतांना, जो पायाला स्पर्श करतो तो म्हणतो हत्ती खांबासारखा आहे, जो कानाला स्पर्श करतो तो म्हणतो हत्ती सुपासारखा आहे, जो शेपटीला स्पर्श करतो तो म्हणतो हत्ती दोरखंडासारखा आहे, इ.

या कथेतील हत्ती म्हणजे तुमची आर्थिक गुंतवणूक (फायनांशियल प्लानिंग ) समजा आणि तुम्हाला सल्ला देणारी व्यक्ती जर फ़क्त इन्शुरन्स किंवा रिअल इस्टेट किंवा SIP किंवा सोन्यामध्ये गुंतवणूक करणेच हिताचे आहे असे सांगत असेल तर आज ही कथा वाचल्यानंतर आपण ओळखु शकाल असे सल्लागार (अंधळे).

तुमचे फायनांशियल प्लानिंग आमच्याकड़े सोपवा आणि शास्त्रोक्त तसेच एकाच छता खाली उपलब्ध असलेल्या आणि आम्ही सुचवलेल्या विविध आर्थिक गुंतवणुकीच्या पर्यायांचा फायदा करून घ्या.

लक्षात ठेवा, योग्य व्यक्तीकडून मिळालेला योग्यवेळचा - योग्य सल्ला आणि दूरदृष्टी या त्रिसूत्रीमध्ये  आर्थिक यशाचे रहस्य दडलेले आहे.

फोन करा आणि प्रत्यक्ष भेटा;
शिरीष कुलकर्णी
फाउंडर आणि सी.ई.ओ.
श्रद्धा फिन-सॉल
पुणे.
मोबाईल : 9822513801
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Less Known Facts: Mediclaim Vs Critical insurance

#Mediclaim is to cover the hospitalization expenses. Mediclaim covers even the hospitalization due to critical illness. But critical #illness insurance is to cover the reduction or decrease in your earning capacity due to critical illness insurance. That’s why you will be paid the full sum assured in critical illness insurance regardless of the hospital bills.

#Mediclaim is one of the risk management tools. If you are not covered with mediclaim, your wealth may erode just like that if there is a hospitalization. By taking a mediclaim policy you are actually protecting your wealth. Call : 9822513801

Less Known Facts: Cashless hospitalization

You may be disallowed of #cashless hospitalization if

i) Information about the treatment you submitted is insufficient to confirm the coverage

ii) #TPA is not in timely receipt of the request for the pre-authorization. In such case, you need to bear the expenses first and then send claim for reimbursement.

iii) If hospital in which you are required to take treatment is not on the panel of the company

#Mediclaim is one of the risk management tools. If you are not covered with mediclaim, your wealth may erode just like that if there is a hospitalization. By taking a mediclaim policy you are actually protecting your wealth. Call : 9822513801

Less Known Facts: If it is working couple then are they double insured?

Yes they are!

If you have #group mediclaim insurance of Rs.2 lakhs and your spouse has it of 2 lakhs too then you both will be insured for Rs.4 lakhs. So if either of you met with an #accident or hospitalized due to some sickness, and the expenses are about 2.5 lakhs, then you can claim 2 lakhs from your company and remaining 50000 from your spouse’s. 

#Mediclaim is one of the risk management tools. If you are not covered with mediclaim, your wealth may erode just like that if there is a hospitalization. By taking a mediclaim policy you are actually protecting your wealth. Call : 9822513801

Less Known Facts: Accidental insurance

If you are opting accidental #insurance as rider to your mediclaim insurance policy then it will cover a very less amount in the case of accident or hospitalization due to accident.

So it is wise to opt for independent accidental insurance but do check all the exclusion before opting for it.

#Mediclaim is one of the risk management tools. If you are not covered with mediclaim, your wealth may erode just like that if there is a hospitalization. By taking a mediclaim policy you are actually protecting your wealth. Call : 9822513801

Less Known Facts: Documentation- before and After

i) Whenever you go to buy any mediclaim insurance policy then agent will tell you about the things they are covering to the lengths but very few of them will tell you about the exclusions and there lies the hitch. So before buying any mediclaim insurance, check about its exclusions thoroughly.

ii) After insuring yourself please always keep your all documents up to date. If you have, any pre-existing disease then its all history as it is (do not misplace a single prescription also)

iii) In case of planned #surgery, intimate it to your mediclaim company in advance and take preauthorization of it from the mediclaim company. So at the time of actual surgery, you need not submit any document.

#Mediclaim is one of the risk management tools. If you are not covered with mediclaim, your wealth may erode just like that if there is a hospitalization. By taking a mediclaim policy you are actually protecting your wealth. Call : 9822513801

Less Known Facts: NRI and Health insurance in India

Yes, #NRI can take mediclaim policy in India, only after submitting residence proof and other required documents. Cost of the treatment will be set against Indian parameter and premium has to be paid according to Indian actuaries. The applicant needs to come to India for the treatment, as he will not be compensated for it in his foreign country.

#Mediclaim is one of the risk management tools. If you are not covered with mediclaim, your wealth may erode just like that if there is a hospitalization. By taking a mediclaim policy you are actually protecting your #wealth. Call : 9822513801

Less Known Facts : Benefits of sticking to one Insurer Company

i) If you are suffering from any pre-existing #disease at the time of commencement of the mediclaim policy then complications of that disease will be covered only after 3 or 4 years of the commencement date.

ii) If you stick to your mediclaim policy for more than one year or so, company may offer you bonus or give discount in premium.

iii) After two years of mediclaim #insurance commencement, you may get free health check-ups for every second year. Or you may get health services and product of market value up to 10% of your last paid premium.

#Mediclaim is one of the risk management tools. If you are not covered with mediclaim, your wealth may erode just like that if there is a hospitalization. By taking a mediclaim policy you are actually protecting your wealth. Call : 9822513801

Health Insurance Myths & Facts / हेल्थ इंशुरंस समज आणि गैरसमज - 8

Myth: Once bought, the Health Insurance terms remain the same.

#Health Insurance is a contract that is renewed every year between the insurer and the insured. Like every contract the terms can change at the time of renewal. You better be sure to keep checking any update emails or letter you may have received from your insurer at the time of making the premium payments to avoid any surprises later on.

For any assistance: #9822513801