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Jinal

Jinal Mehta  | Answer  |Ask -

Financial Planner - Answered on Feb 01, 2024

Jinal Mehta is a qualified certified financial professional certified by FPSB India. She has 10 years of experience in the field of personal finance.
She is the founder of Beyond Learning Finance, an authorised education provider for the CFP certification programme in India.
In addition, she manages a family office organisation, where she handles investment planning, tax planning, insurance planning and estate planning.
Jinal has a bachelor's degree in management studies. She also has a diploma in in financial management from NMIMS, Mumbai.
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Asked by Anonymous - Jan 07, 2024Hindi
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Which would best plan mediclaim or insurance plan for diabetic person who is aged 65 year plus and need cover for minimum 5 Lacs. Understand that plan should be taken earlier but this for aged person in family.

Ans: You may purchase opt for Senior Citizen Health Insurance which covers all the pre existing diseases. Diabetes and other preexisting diseases are also covered. Please note, there may be waiting period before you can claim and / or the premiums may be higher. Please consider these factors too.
DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.
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Moneywize

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Financial Planner - Answered on Jan 28, 2024

Asked by Anonymous - Jan 27, 2024Hindi
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Is there any good medical insurance cover for diabetics? Could you suggest which are the best mediclaim option plans for diabetics in India. I am from Raipur in Chhattisgarh.
Ans: While availability of insurance plans can change you are requested to consult a professional medical health insurance agent who can assist you with your mediclaim requirements. However, I can provide you with some general guidance on finding suitable medical insurance for individuals with diabetes in India.

Star Health Diabetes Safe Insurance Policy:

• Star Health is known for its diabetes-specific insurance plans.
• Diabetes Safe Insurance Policy is designed exclusively for individuals with diabetes.

New India Assurance Jan Arogya Policy:

New India Assurance offers Jan Arogya Policy, which covers pre-existing conditions after a waiting period.

Apollo Munich Optima Restore Family Health Insurance:

• This plan provides coverage for diabetes after a waiting period.
• It offers a Restore benefit, which automatically restores the sum insured if it gets exhausted during the policy year.

Max Bupa Health Companion Individual:

Max Bupa offers the Health Companion Individual plan, which covers diabetes after a specified waiting period.

HDFC ERGO Health Suraksha Gold:

• This plan provides coverage for diabetes after the waiting period.
• It offers cashless hospitalisation, and the sum insured can be enhanced through the multiplier benefit.

It's crucial to carefully read the policy documents, terms, and conditions to understand the coverage details, waiting periods, exclusions, and other important aspects. Additionally, consider factors such as the network of hospitals, claim settlement ratio, and customer reviews when choosing an insurance provider.

Before making a decision, I recommend contacting insurance agents, checking the official websites of insurance companies, or visiting their local branches to get the most up-to-date and accurate information on available plans. You can also consult with a financial advisor or an insurance expert to find the best plan that suits your specific needs and preferences.

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Moneywize

Moneywize   |167 Answers  |Ask -

Financial Planner - Answered on Feb 15, 2024

Asked by Anonymous - Feb 14, 2024Hindi
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Could you tell which are the best health insurance plans available for a diabetic person, aged 58, with a bare minimum health cover of Rs 500,000?
Ans: Here’s some pointers to help you narrow down your choices. Consider these factors when choosing a health insurance plan for a diabetic person:

• Pre-existing condition exclusions: Some plans may exclude coverage for pre-existing conditions, such as diabetes. Be sure to choose a plan that covers your pre-existing conditions.
• Deductible and coinsurance: The deductible is the amount you have to pay out of pocket before the insurance company starts to pay. Coinsurance is a percentage of the covered costs that you have to pay after you meet the deductible. Choose a plan with a deductible and coinsurance that you can afford.
• Network coverage: Make sure the plan covers the doctors and hospitals you want to see.
• Coverage for diabetes-related care: Look for a plan that covers diabetes-specific services, such as insulin pumps, diabetic supplies, and diabetes education.
• Renewal rates: Be sure to understand how much the premiums will increase each year.

Here are some health insurance plans that are designed for people with diabetes:

• Star Health & Allied Diabetes Safe: This plan offers coverage for diabetes-related complications, such as neuropathy, retinopathy, and nephropathy.
• National Varishta Mediclaim: This plan offers coverage for pre-existing conditions, including diabetes.
• Aditya Birla Activ Health Enhanced Diabetes Plan: This plan offers a critical illness rider that pays out a lump sum benefit if you are diagnosed with a critical illness, such as heart attack, stroke, or cancer.

It is important to compare quotes from several different insurance companies before making a decision. You can use a comparison website or an insurance broker to help you compare plans.

Here are some additional tips for choosing a health insurance plan:

• Read the plan brochure carefully to understand what is covered and what is not.
• Ask questions if you don't understand something.
• Don't be afraid to negotiate with the insurance company.

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Asked by Anonymous - Oct 10, 2024
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Hi, I am not yet mairred. I used to like a man and after a month we decided to get married. He was of my caste so I thought my parents won't deny this mairrage. I used to talk to and wanted to let him know everything about my past so that we can built a strong root of our relationship. I spoke every detail of my past life to him. Then before he proposed me for mairrage I went for a vacation with my male friend to dehradun. I didn't tell him that day as he didn't proposed me till that day then why would I tell everything about me to anyone. He was noone to me at that time. After that he came to visit me in Delhi and on the same when he was on train a friend of mine along with his fiance came to meet me after a very long time. I asked him and he didn't denied. After returning home he blocked me. I cried and cried, called multiple times but he didn't received my call. Even I went to his location and waited for almost 3 hr but he didn't came. Then I asked my sister to call him. Then he talked to me but he said me so much of harsh and vulgar words that I went in shock. I cried a lot but he went on humiliating me. But somehow I convinced him to stay with me. I never talked to that friend ever. Then I told my parents about him that I want to get married with this men. Being a girl's father my father enquired about him by being annonymous. And trust me noone has said anything good about him. Later on we get to know that his father has a murder case on him of his brother in law. But then I wanted to get married. Finally my parents agreed only for my happines. Meanwhile I was never being respected by him. He always doubt me, humiliate me, abuse me mentally and physically, and when I was like I don't want to be with you he used to say sorry and begged me to be with him. He even used to restrict to visit my uncle aunty. His mother wants used to defend him and never used to make him realise that he was wrong. Then before engagement we went to Kolkata to buy dress. Yes one more thing I have informed him on the very first day that I used to drink and smoke occassionally. So whenever he used to visit me he always wanted to drink with me whether I want it or not. He always used to abuse me and humiliate me in front of everyone after drinking, so after a period of time I used to avoid drinking. Then he used to fight with me for that also that why will you not drink. In kolkata the same thing happen. We stayed there for 3 days and he was convincing to go to club from the very first day but I refused. On 3rd he hit me. After engagement his family asked for dowry. After a lot of dealing my parents agreed for an amount. But I felt betrayed. I stopped talking. After after when I initiated the conversation he picked up a fight and said he won't marry. I tried to convince. But when everyone was blaming me then I broke my silence and said everything about him to my parent. But he manipulated everything and made me villain. My parents want me to get married as the society will insult our parents. I am getting married in November only for my parents but I have already made up my mind that I'll divorce him after 1 year of mairrage and will live my life alone. Am I thinking right? What should I do?
Ans: Dear Anonymous,
No, you are not thinking right at all...This man is all RED FLAGS...
Are you actually thinking of spending one year with a person who physically abuses you? Seriously?
And then you expect him to agree to that divorce without any fuss? What world are you in? No compromises on your life please...
Be wise and protect yourself...

All the best!
Anu Krishna
Mind Coach|NLP Trainer|Author
Drop in: www.unfear.io
Reach me: Facebook: anukrish07/ AND LinkedIn: anukrishna-joyofserving/

...Read more

Anu

Anu Krishna  |1192 Answers  |Ask -

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