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Sanjib Jha |66 Answers |Ask -Follow

Insurance Expert - Answered on Jul 29, 2022

Sanjib Jha is the CEO of Coverfox Insurance. His expertise includes health and auto insurance. He has over 22 years of experience in the financial sector. He has completed his post-graduation from the Institute of Company Secretaries of India.... more

Question by Srinivas on Jul 29, 2022Hindi

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1. Renewal notice does not mention Earned/to-be earned NCB, which other insurers expect to know, they just do not bother about any supporting docs like policy write ups, policy document etc.

Ans: If there is no claim in the policy then the NCB should be mentioned on the renewal notice. If the same is not mentioned then I would suggest you to kindly raise the matter to the insurer before renewing the policy.

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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Sanjib Jha |66 Answers |Ask -Follow

Insurance Expert - Answered on Jul 29, 2022

Question by Srinivas - Jul 29, 2022Hindi

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2. For claim-free years, I am allowed eligibility for Rs. 1500 Medical check-up; this has to be lost as well in case of renewal, as new insurers upon porting do not offer this facility rather, they have some lesser benefit tests (or) nothing at all depending on the plans we chose.

Ans: This is true. Medical check-up is a kind of complementary service which insurers provide along with selective plans. In case of portability, some of the insurers have waiting period & some insurer provide the same from day one.

Sanjib Jha |66 Answers |Ask -Follow

Insurance Expert - Answered on Sep 08, 2022

Question by Pannkaj - Sep 08, 2022Hindi

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I have an individual health policy with Nivabupa. The current renewed policy document mentions: 1. Base Sum Insured Rs 5 lakh 2. Loyalty Additions Rs 2 lakh 3. Next Column Sum Insured (Base Sum Insured + Loyalty Additions + Refill amount ^) (in Rs) 12,00,000 My 2 claims totalling Rs 6.25 lakh for Angiography and Bypass Surgery were settled only for Rs 500,000. Is this in line with norms?

Ans: Hi Pannkaj,to answer your question we need to understand the plan details and the type of deduction done by the insurance company during the claim.

I suggest you speak with your insurer on why only Rs 500,000 was settled against your bills.

Also as a rule, do read all the terms and conditions on your policy document and the claim settlement process followed by your insurer.

Jinal Mehta |99 Answers |Ask -Follow

Financial Planner - Answered on May 20, 2024

Asked by Anonymous - May 18, 2024Hindi

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My wife DOB Oct 58,has health insurance from a reputed Health Insurance provider with cover of 3 lakh ( NCB 78000) since 2009. In the last renewal premium paid was Rs. 38000 for covering 2022-24. Now the renewal premium demanded for 2024-26 for 3 lakh is raised to Rs.73000/. On checking with the Insurance provider the reason is--- change of tier 65-70 Yr. copay change and price escalation etc. . They are unable to give details of various heads on which this increase is attributed. It is difficult to digest the two fold increase of premium!

Ans: We can understand. You may check with other insurers if they have a better plan.

Milind Vadjikar |1238 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Sep 23, 2024

Asked by Anonymous - Sep 23, 2024Hindi

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I am only 77 years young. Have been having a health insurance cover for the past few decades - either as part of the corporate cover or on an individual basis. Have always enjoyed NCB while renewing Health insurance cover. I wish to increase my cover from current Rs. 3 lacs level to 6 lacs. Since I am over 60 none of the current insurers like Tata Aig or Policy Bazaar or Acko have ever bothered to respond to my query regarding above. Although Central Govt.'s Free Insurance cover for people above 70 is going to help me n my wife, I would like to have the additional cover for exingencies. Kindly help..!!.. Tks.

Ans: It feels great to interact with evergreen people like you.

Here are few healthcare policies tailor-made for senior citizens:

1.Star senior citizen red carpet
2.Niva Bupa Senior First
3.Manipal Cigna Prime Senior
4.Care Senior Plan

Plz. Check the detailed policy wordings and seek help from your insurance advisor if needed.

Milind Vadjikar |1238 Answers |Ask -Follow

Insurance, Stocks, MF, PF Expert - Answered on Dec 15, 2024

Asked by Anonymous - Dec 15, 2024Hindi

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At the time of renewal of policyif we declare some disease which is not there at the time of inception of policy, will the premium will increase for the disease or it will increase accordingly as per the renewal time

Ans: Hello;

When you declare some new disease acquired to the insurance company before renewal then they may review the risk against their underwriting norms and revert to you with revised premium or refusal to insure the risk, depending on the nature and severity of the disease.

It is in your own interest to disclose any newly acquired disease, before renewal, to the insurance company.

Best wishes;

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Sir I got 162 marks in met and 90% in boards. What branch can I get in main campus manipal?

Ans: Hi Vaishnavi,
To find out the Rank, use the below-mentioned formula.
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Find out the rank and then plan.
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Sir what would be my rank and probable branch with 115 marks in MET and 91 Percentage overall of board.Please kindly guide .

Ans: Hi Jishnu,
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158 marks in met and 83.2% in boards , what can be my rank?

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Asked by Anonymous - May 30, 2025

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Securing 540 in neet if 2025 gen any chance for gmc

Ans: Hi AVI,

The NTA has not released the marks and rank list yet. We will need to wait for more information. Based on your prediction, a score of 540 is a decent score for admission to MBBS under the state-level quota, while a higher score is necessary for the All India Quota (AIQ). For updates regarding the marks and the admission process, please follow the respective websites.

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Question by Adidev - May 27, 2025

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Sir i have a rank 33k in VITEEE but wasnt able to get into any ECE or CSE branch in VIT chennai but my friends with ranks of 70k+ got in is there any way??

Ans: Possible Reasons for This Discrepancy
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Question by Rebel - May 30, 2025

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I have given my maharashtra board exam in 2024 with pcm english and It exam And i also gave improvement exam on 2025 exam in again pcm english and IT Can I give Isolated biology exam on 2026 GET ELIGIBLE FOR NEET 2026 I really want to appear for neet 2026 Please somebody help Please

Ans: Hi Rebel,
For NEET 2026, there is still time. We can't predict any changes in the NEET exam at this moment, so we must wait for the notification from the NTA. It might be better for you to take an isolated exam through NIOS.
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Asked on - May 30, 2025 | Answered on May 30, 2025

Sir I wanted to add something I gave improvement from again maharashtra board And want to give give Isolated exam from. Maharashtra board am i eligible for this for just one subject examination from Maharashtra board And sir I am not accepting the improvement result so I will go with 2024 result only

Ans: Hi Rebel, you cannot determine your marks. Normally, the regulatory body will consider only the latest RESULTS and NOT highest marks from two different attempts. Please review the guidelines of the Maharashtra board and FOR BIOLOGY and proceed accordingly.
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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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