Blessed Consultancy n Services

26/08/2018

A ULIP alone won't give you sufficient life insurance: Here's why Since Ulips can only offer a cover of ten times the premium, they would cost you your entire income for the life cover you need.

22/08/2018

Wishing everyone a very happy & prosperous Bakri Id Mubarak

20/08/2018

Don't buy term insurance just to save tax, make sure it is the right cover for you

To save on tax or pay a low premium, don't just buy any term plan without reading the terms & conditions. Here are a few important things one should consider.

17/08/2018

7 Things to keep in mind before buying critical illness insurance.

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16/08/2018

Genetic disorders to hike health insurance premiums? On Monday, IRDAI directed insurers not to reject any health insurance claim based on exclusions related to ‘genetic disorder’.

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15/08/2018

Commemorating the 71 years of Independence - Blessed Consultancy n Services wishes you a Happy Independence Day.

14/08/2018

How to use no claim bonus while buying insurance for the new car

The existing car, which is eligible for NCB, must be sold either to the dealer or a third party for the NCB to be transferred to the new car.

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13/08/2018

10 reasons to reject your life insurance claim:

1. Death by Su***de
if the insurer committed su***de within one year of the date of commencement of insurance plan then no settlement claim was provided.
2. Providing incorrect information
3. Smoking after buying a policy
4. Drunk driving
5. Breaking a law
If the policyholder dies as a result of breaking a law or involvement in a crime, the insurance company can reject the claim.
6. Death outside India
If the insured plans to settle abroad, it should be notified to the insurance company as a clause in the insurance policy says a policyholder must disclose his or her new resident country to claim settlement. Term insurance plans are valid even if you change your country of residence.
7. Terrorist attack
8. Natural calamities
Deaths due to natural calamities like earthquake, flood or tsunami are not covered under basic insurance plans. However, you can choose add-on plans to cover such natural calamities.
9. Adventure sports
Death resulting from participation in adventurous sports like bungee jumping, skydiving or other outdoor sports like power-boat racing, timed motor-sport, etc, are also not covered. Death during participation in car racing or bike racing would also lead to zero payouts.
10. Homicide
In case of a murder, if the insurance company finds out that the nominee is the accused, the insurance claim would be rejected or withheld until the charges are dropped or the nominee is acquitted.

10/08/2018

Rising cost in healthcare is a huge problem in everybody's lives.

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09/08/2018

Why should a person buy life insurance?

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08/08/2018

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08/08/2018

Why are Indians so cautious and fearful before buying health insurance?

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