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Mediclaim vs Health Insurance: Which Should You Buy?

Today, when medical expenses are skyrocketing, one cannot deny the importance of creating financial protection against medical needs. Despite understanding the value of securing medical needs, many fail to comprehend whether they need a mediclaim policy or a health plan. One offers reimbursement for hospitalisation expenses, and the other provides comprehensive coverage for several medical needs. But that’s not all you need to know to make an informed decision. This guide walks you through the fundamentals of both mediclaim and health insurance, so you can decide which best suits your needs.

Health

Is Maternity Insurance Available for Already Pregnant Women?

Bringing home a newborn baby comes with truly incomparable joy. At the same time, pregnancy also means responsibilities and a lot of planning. Where do you wish to deliver your baby? What hospital facilities are you looking forward to? How much will a normal delivery cost? There are way too many questions that can get confusing. This is where maternity insurance comes into play. A simple, effective solution that takes care of your queries and medical bills. But if you are looking to purchase maternity health insurance after getting pregnant, it becomes complex. This is because maternity insurance typically has a waiting period. Keep reading to learn more about getting maternity insurance when you are already pregnant.

Term

Is It Safe to Buy Term Insurance Without a Medical Test?

Sujith, a 36-year-old marketing professional, finally decided to buy a term insurance plan to secure his family (wife, two children, and elderly parents). Between frequent work travels and job pressure, he had limited time to research a term insurance policy. While he scrolls through various term insurance plans online, a specific one named ‘instant term insurance plan with no medicals’ caught his attention. Sujith bought it immediately as instant approval, quick issuance and nominal paperwork offered by the policy looked promising for him. However, a year later, he was diagnosed with diabetes and hypertension when he underwent a full-body check-up at his office in a yearly health camp. He had no idea how long he had been having these medical conditions undiagnosed. He was then worried if his insurance company would honour his claim or not, if something happened. As many insurance companies are offering no medical term insurance plans, the question arises – is it just a convenient choice or a safe choice, too? Let us explore.

Car

How to Get Insurance for Your Vintage or Collector Car in India

Arjun Kakkar, a 47-year-old software developer in Bangalore, owned a beautiful family heirloom, the 1989 Contessa. His children called it “Dad's true love." For neighbours, it was a conversation starter. Arjun loved it dearly and treated it as nothing less than a prized possession. Last month, during a short drive, a minor collision left a dent in Arjun's car. At first, it seemed like a simple repair. But things got tricky, and Arjun's standard car insurance didn't recognise the car's actual collectable value. Arjun's story applies to the majority of vintage or collector vehicles. A vintage car is a treasured asset; its value continues to increase with age. But with prized assets come responsibilities. For instance, these cars need regular maintenance, touch-ups, and occasional restoration. This makes it important to have suitable car insurance for vintage or collector cars.

Car

Everything You Need to Know Before Buying Rental Car Insurance in India

Recently, when Sakshi went on a vacation with her friends, she rented a car. On the second day of the trip, the car sustained a major dent after a collision. When she informed the provider, he prepared a bill of ₹20,000 for the damages: an expense Sakshi and her friends did not see coming. The excitement of the entire trip was washed down in an instant. But do you know that they could have saved themselves from this expense if they had purchased rental car insurance? Renting cars has become popular in India, offering convenience and efficiency, especially for short-term needs. Amidst enjoying these benefits, one aspect that often gets overlooked is getting rental car insurance. Whether you are on a short trip or using a rented car for a specific purpose, it is always advisable to insure it. Choosing rental car insurance is slightly different from your regular car insurance in terms of types and usage. In this article, let’s get into the details of rental car insurance in India: its types, how it works, considerations to pick the right plan, and more.

Health

Does Health Insurance Provide Coverage for LASIK Eye Surgery?

Are you someone who’s been wearing spectacles for a long time? Imagine waking up one morning with clear vision, no squinting or lens adjustments. Sounds wonderful, right? That's what LASIK eye surgery promises. For many people, LASIK eye surgery is a life-changing decision that makes it easier to see the world. However, one important question that many people may ask is whether their health insurance covers LASIK surgery. This is primarily a concern because generally, LASIK eye surgery is elective and not a medical emergency. In this guide, we will answer all your queries regarding health insurance coverage for LASIK surgery.

Jio Insurance Broking Ltd

Jio Insurance Broking Limited
IRDAI License No: 347,
Direct Broker (Life & General),
Valid upto: 11/03/2028
(Renewable)

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