Kurnool Insurance Solutions

16/11/2015

Today is ..
Best wishes to all the of ..📝👏👌👍

11/11/2015

25/10/2015

Chola MS Recommends 3 benefits plans - It's Your Choice :

Make the right choice when it comes to securing the health of his loved ones and himself:

Why should you choose Chola Healthline?

From comprehensive medical coverage to cashless hospitalization at over 2600 hospitals in INDIA and 8 Hospitals in our , here are more reasons why you should choose Chola Healthline:

- Floater or individual coverage for Sum Insured up to Rs.10lakhs
- Double coverage in the event of accidents or critical illness treatments
- Coverage for domiciliary hospitalization
- Coverage for 141 day care procedures
- Lifetime policy renewal
- Child hospitalization allowance
- Coverage for ambulance expenses and health checkups
- Coverage for pre and post hospitalization expenses.

Health coverage starts from Rs.3000 omwards.

11/10/2015

Why do I Need Accident Insurance When I Have Life and Health Cover?

Why do you Need Accident Cover?

Contrary to the popular misconception, a medical insurance plan does not provide complete coverage against the losses arising out of an accident. Although some health insurance policies offer accidental riders, these are not as beneficial as a comprehensive accident insuranceplan. Even if it is, it only covers hospitalization charges, not loss of income.

An accident policy is designed to cover a number of unforeseen eventualities (although not when there is negligence). Accident plans are annual policies that provide coverage in the event of disability, injury or death; caused by accidental or violent events. This includes situations like road accidents, train accidents, or even a fall in the bathroom.
Risk Mitigation

In case you are faced with disability or are bed ridden for a prolonged period owing to an accident; your family will lose a source of income. Accident insurance cover will ensure that such risks are mitigated and unforeseen eventualities can be managed. So, buying such a policy over and above your health and life insurance plan is highly recommended. When such policies are able to permanently or even temporarily transferthe risk of disability to a third party, isn’t it more than worth the premiums?
Compensations Available

The insured or the family will receive weekly compensation for loss of income associated with disability or death caused by an accident.
Transportation costs for the family are also covered.
Compensation is also given for cases of fracture. These are usually not covered by many health plans.
When modifications are made to the house or vehicle owing to the accident, such expenses are reimbursed too.
If the insured is a student, they are entitled to reimbursement of tuition fees for the period after the accident that they are unable to attend classes.
On the demise of the insured due to the accident, the cost of the funeral is also compensated for; along with any other related costs.

11/10/2015

When is the best time to buy insurance?

The right time to buy insurance?

There is no ‘right’ time to buy insurance – you must buy health insurance ASAP. The rule of thumb is to buy insurance when you are over 18 years old and earning money. The earlier you buy it, the more amenable insurance companies are to selling it to you.

Besides, you will have almost nil health issues in your early 20s, with a good spending power to boot. Invest in a health insurance plan that covers the entire family, such as the Chola Swasth Parivar policy. However, it is a good idea to also invest in an individual policy and build a personal connection with the insurance provider. We recommend the Chola MS Individual Healthline policy for this purpose.

All in all, delaying the process simply backfires on one – as Sumit learnt. “I have no excuses to offer – it was total carelessness on my part to delay taking insurance. I tell everyone I know to buy insurance when they’re young and healthy – or they will face the same hurdles I did,” he signs off.

04/10/2015

The optimum policy for seniors over 60 years of age with several advantages.

HIGHLIGHTS :
-For Senior citizens aged between 60 to 75 years.
-No pre-acceptance medical screening.
I-n-patient Hospitalization Cover.
- Coverage for all Pre-existing diseases after 12 months from the date of first commencement of policy.
-Cover for Medical Consultations as an Out Patient.
-Guaranteed lifetime renewals.

BENEFITS :
Two additional Sum Insured Options namely Rs.7.5 lacs and Rs.10 lacs introduced
Cataract limits revised
On-line purchases – 5% discount on premium
Outpatient consultation in network hospitals

Hospitalisation Coverage:
Protects the insured for in patient hospitalisation expenses for a minimum of 24 hrs.These expenses include room rent,nursing and boarding charges, Surgeon, Anaesthetist, Medical Practitioner, Consultants, Specialist Fees,Cost of Medicines and Drugs upto the limits specified.

Ambulance charges for emergency transportation to hospital as per specified limits.

Post-hospitalisation paid as lump-sum upto the limit specified.

Expenses on Medical Consultations as an Out Patient in a Network Hospital up to the limits specified.

Specific day-care procedures covered.

Sub-limits applicable for specified illness.

02/10/2015

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WHY HEALTH INSURANCE..???

Life is a surprise package of joys, happiness, challenges and setbacks. Sudden illness, accidental injuries and medical emergencies can throw us off guard anytime. While they drain us emotionally, owing to the soaring prices of medical services, the hospitalization and medicinal expenses can burn a big hole in your pocket. A good health insurance policy is mandatory to combat these tough times as it covers you and your loved ones completely against sudden financial burden caused by medical emergencies. Having a good health insurance plan ensures an immense peace of mind and assurance that you can focus on the healing and recuperation of your loved ones, instead of financial worries.

WHY CHOLA-MS HEALTH INSURANCE..?

Individual health insurance in India can be availed by any individual resident between the ages of 18 to 65 to undergo treatment in India. Chola Health Insurance is a comprehensive health coverage that takes care of your expenses related to hospitalization and domiciliary so that all your financial burdens are covered during a sudden medical emergency. Buying a health policy at Chola MS is extremely convenient now as you can acquire a hassle free online health insurance plan from Chola MS website.

KEY FEATURES OF CHOLA MS HEALTH PLANS..?

Here are the special elements of our medical insurance plan:

Double coverage for accidents and critical illness on selected health plans (on selected health Plans)
Cover for Domiciliary hospitalization
Lifetime coverage
Cashless hospitalization at 4300+ hospitals across India
Cover for 140+ Day-care procedures
Pre and post hospitalization expenses
20 main critical illnesses covered (on selected health plans)
Unlimited room rent (on selected health plans)
Lifetime renewal
Tax benefit under section 80 (D)
24x7 claim assistance and easy claim settlement

Why Choose Health Insurance by Chola MS?

Medical insurance from Chola MS provides you the following benefits:

Cashless treatment
- We provide you a network of hospitals, where you can avail cashless treatment facilities.
Pre and post hospitalization
- We pay for your pre and post hospitalization charges, up to 30 days prior to hospitalization & up to 60 days after discharge from hospital.
Ambulance charges
- In case of any medical emergency, ambulance charges as listed in the policy shall be payable.
Cumulative Bonus
- If no claims are made on your health cover in a particular year, you will be entitled for special benefits through an increment in the sum insured when you renew the policy the following year.
Free medical check up
- A history of no claims is rewarded with a free medical check up.
Tax benefits
- When you pay the premium for your health insurance policy, you are liable to get a tax rebate under section 80D of the Income Tax Act for a maximum value of Rs.15,000 for normal and Rs. 20,000 for senior citizens.
Co-payment
- If you wish to reduce the premium amount, you can opt for voluntary deductibles mentioned in the policy. This means that some amount will be paid by the insured for any treatment undertaken, while the rest will be paid by the insurer.
Critical illness
- We will pay the insured person the sum insured as a lump sum if the insured is diagnosed as suffering from a critical illness listed in the policy.

02/10/2015

And how can you throw the criminals out of politics...
the first step is to vote responsibly.
Check the credentials of your candidates before voting.

29/09/2015

Did You know: Chola MS Healthline customers can avail Cashless Hospitalisation Facilities at over 4300 hospitals across the country! Click here to know if your nearest hospital is on our list! http://www.cholainsurance.com/nwhosp/