http://www.bimaworld.com/forums/ Indian Insurance Community Forums en Wed, 08 Sep 2010 12:53:15 +0000 http://www.bimaworld.com/forums/topic/birla-sun-life-dream-plan#post-1792 Wed, 08 Sep 2010 15:24:31 +0000 Anonymous 1792@http://www.bimaworld.com/forums/ <p>there are lots of hidden charges in this plan.... </p> http://www.bimaworld.com/forums/topic/marine-cargo-claim#post-1771 Sat, 04 Sep 2010 16:55:42 +0000 devanand 1771@http://www.bimaworld.com/forums/ <p>Hi Shruti,</p> <p>The Docs that would be helpful are :-</p> <p>a. Port Receipts &#38; Landing Tally Remarks -Port Authorities<br /> b. Statement of Facts -Vessel Captain<br /> c. Damage/ Short Landing Cert. - Shipping Lines<br /> d. Pre and Post inspection report - Conatiner Provider<br /> e. Damage Cert. -inland transporter, BL copy - FW Agent </p> <p>The possible reason for damage could be rainwater, seawater entry into container or water generation inside the container as a result of Container Condensation </p> http://www.bimaworld.com/forums/topic/choosing-a-health-insurance-plan#post-1770 Sat, 04 Sep 2010 14:40:30 +0000 Anonymous 1770@http://www.bimaworld.com/forums/ <p>Hi,</p> <p>You should try MAX life insurance, they are pretty good in settlement.</p> <p>Regards,<br /> sarah_9 </p> http://www.bimaworld.com/forums/topic/why-women-pay-less-premiums#post-1753 Wed, 01 Sep 2010 12:18:58 +0000 anorplas 1753@http://www.bimaworld.com/forums/ <p>I have heard that life insurance premiums for men are higher than the life insurance premiums for women? Is this true? And what is the reason for this? </p> http://www.bimaworld.com/forums/topic/please-not-lic-jeevan-plus-single-premimum-policy-holders#post-1739 Sun, 29 Aug 2010 22:11:00 +0000 Anonymous 1739@http://www.bimaworld.com/forums/ <p>hello friends i am adv.mahesh m bhogaonkar from jalna maharashtra and i would like to share a information regarding lic jeevan plus policy single premimum that lic had charged double allocation charges to this single premimum policies 4% at inciption and 4% on the first policy annversary.</p> <p>thanks<br /> adv.mahesh m. bhogaonkar </p> http://www.bimaworld.com/forums/topic/present-value-of-lic-future-plus-growth-fund-policy-no-331518736#post-1730 Fri, 27 Aug 2010 21:47:17 +0000 Anonymous 1730@http://www.bimaworld.com/forums/ <p>What is the present value of above mentioned policy.<br /> OP TIWARI </p> http://www.bimaworld.com/forums/topic/insurance-query-1#post-1718 Wed, 25 Aug 2010 16:47:12 +0000 bhardwaj 1718@http://www.bimaworld.com/forums/ <p>What is ULIP plan life cycle?<br /> Why claims are not paid? </p> http://www.bimaworld.com/forums/topic/what-is-the-nav-value-of-unit-plus-ii-bond-equity-fond-in-april-2007#post-1714 Tue, 24 Aug 2010 21:48:17 +0000 Anonymous 1714@http://www.bimaworld.com/forums/ <p>I have a Unit Plus II Plan my mail ID is <a href="mailto:aswinimunu@gmail.com">aswinimunu@gmail.com</a> </p> http://www.bimaworld.com/forums/topic/marine-cargo-claim#post-1656 Wed, 11 Aug 2010 14:52:36 +0000 Anonymous 1656@http://www.bimaworld.com/forums/ <p>Hi Friends,</p> <p>Looking for assistance.<br /> Brief fact of the case is as under.</p> <p>i had sent a consignment of Leather gloves (packed in cardboxes) from Kolkata-Paradip port to Chile (Valpriaso port) through sea using a general purpose container in July 09.<br /> Cargo was in transit for about 3 months involving 3 different transhipment ports &#38; vessels. </p> <p>when the cargo reached destination the seal of the container was found intact &#38; the container was also found apparently in good condition from outside.</p> <p>But when the container was opened at the destination (factory in chile) it was found that the cardboxes containing leather gloves (packed in polybags with selica gel &#38; anti-fungus capsules)were found wet &#38; damaged.</p> <p>the above consignment was insured wide transit insurance all risk policy. on intimation to the insurer about the loss for settlement of the claim. They declined the claim for want of evidence.- How did the consignment got wet.?</p> <p>would appreciate if anybody can suggest what documentary proof can be helpful from the following parties;-</p> <p>a. port authorities - ( 3 transhipment ports involved)<br /> b. vessels captain - ( 3 vessels involved)<br /> c. Shipping line<br /> d. container provider<br /> e. Forwarding agents at both ends</p> <p>And also suggest what could be the possible reason of container being filled with water from inside.</p> <p>Thanks;<br /> Shruti </p> http://www.bimaworld.com/forums/topic/documents-required-for-personal-accidental-claimwhicle-bathing-in-bathroom#post-1635 Wed, 04 Aug 2010 08:44:25 +0000 shyamsunder 1635@http://www.bimaworld.com/forums/ <p>Documents that might be required by insurer are :-</p> <p>1. Original Policy Bond<br /> 2. Certified true copy of Death Certificate<br /> 3. Police FIR / Complaint letter if intimated to police<br /> 4. Brief statement of the incident<br /> 5. Certified true copy of Postmortem Report, if done<br /> 6. Claim form duly completed and signed.<br /> 7. Proof of relationship/Nominee -claimaint with the insured member</p> <p>Pl. remember to give immediate claim intimation letter to the insurer-TATA AIG refereing the PA policy number, asking them to register the claim under the policy and also to issue a claim form alongwith list of documents that they may require. </p> http://www.bimaworld.com/forums/topic/documents-required-for-personal-accidental-claimwhicle-bathing-in-bathroom#post-1634 Tue, 03 Aug 2010 23:39:16 +0000 Anonymous 1634@http://www.bimaworld.com/forums/ <p>one of my friends mother was having TATA AIG peronal accident cover ,and she lost her life ,as she fell down in the bathroom and got head injury.so it is requested to kindly help me out ,how &#38; what would be the expected douments required to settle the claim . </p> http://www.bimaworld.com/forums/topic/health-insurance-for-old-age#post-1631 Tue, 03 Aug 2010 12:45:42 +0000 Anonymous 1631@http://www.bimaworld.com/forums/ <p>According to me I think that today many insurance company provides mediclaim for life time, I think that Old age has a dual definition. It is the last stage in the life processes of an individual, and many companies provides insurance for old age people. </p> http://www.bimaworld.com/forums/topic/best-health-insurance-providers-in-india#post-1630 Tue, 03 Aug 2010 12:35:55 +0000 Anonymous 1630@http://www.bimaworld.com/forums/ <p>There are many best insurance provider are available in India, which offers health / mediclaim policies. These information given by you is really nice, awesome, I really like all these information, I also hope that many people will really like all these information and really appreciate your work. </p> http://www.bimaworld.com/forums/topic/choosing-a-health-insurance-plan#post-1629 Tue, 03 Aug 2010 12:33:13 +0000 Anonymous 1629@http://www.bimaworld.com/forums/ <p>I think that choosing a health insurance plan is really nice for every one's health, Today many people are taking different insurance plan for their or their family health. I think that the benefits, and the extent to which your family's health needs are met when choosing proper health insurance. </p> http://www.bimaworld.com/forums/topic/medical-insurance-1#post-1628 Tue, 03 Aug 2010 12:28:29 +0000 Anonymous 1628@http://www.bimaworld.com/forums/ <p>According to me I think that Medical insurance is really nice, I think medical insurance plans cover individuals and families, and secure your life. Due to rising costs of health care many insurers have enforced sub-limits for various kinds of expense. </p> http://www.bimaworld.com/forums/topic/25-deduction-from-claim-amount-due-to-not-conducting-spot-survey-is-legal-or-ille#post-1611 Fri, 30 Jul 2010 22:16:07 +0000 V9DBANSAL 1611@http://www.bimaworld.com/forums/ <p>Thanks Sir </p> http://www.bimaworld.com/forums/topic/25-deduction-from-claim-amount-due-to-not-conducting-spot-survey-is-legal-or-ille#post-1608 Fri, 30 Jul 2010 08:50:45 +0000 devanand 1608@http://www.bimaworld.com/forums/ <p>For the reason of non-compliance of policy condition/ warranty, claims can be settled on non-standard basis i.e 75% of the assessed claim amount is paid by the insurer. </p> <p>Also note it is the discretion of an insurer whether at all to pay or not for the claim where there is any breach of policy condition, if they decide to entertain the claim it is generally processed on non-standard basis.</p> <p>However, in your case it was demand of the situation and compulsion for you to remove the car to avoide further loss to the insured vehicle or "Total Loss" of the vehicle and safe guard human life and not intentional that the spot survey was foregone.</p> <p>In view of the above, you can make a personal as well official representation to the grievance department of the insurer with your contention for their review of the claim. </p> http://www.bimaworld.com/forums/topic/25-deduction-from-claim-amount-due-to-not-conducting-spot-survey-is-legal-or-ille#post-1607 Thu, 29 Jul 2010 22:38:02 +0000 V9DBANSAL 1607@http://www.bimaworld.com/forums/ <p>R/Experts<br /> My loss was assessed as Rs. 172000/- but claim cheque was given for Rs. 1,22,000/- by saying that there is rule/clause of 25% deduction if insured had not arranged spot survey of accidental vehicle.In my case spot survey was not conducted because my truck was got accident in a jungle of Bihar and there was every apprehension of every type of loss to life etc. so we remove the vehicle from the spot .Kindly suggest </p> http://www.bimaworld.com/forums/topic/choosing-a-health-insurance-plan#post-1597 Mon, 26 Jul 2010 16:33:20 +0000 Anonymous 1597@http://www.bimaworld.com/forums/ <p>One of my relatives, who is of a similar age of your applied for the Royal Sundaram Family Health Insurance. Their schemes are much more affordable, flexible and hassle-free. </p> http://www.bimaworld.com/forums/topic/irda-certificate-not-received-yetexam-got-cleared-more-than-6-months-ago#post-1590 Sun, 25 Jul 2010 18:12:12 +0000 Pooja 1590@http://www.bimaworld.com/forums/ <p>Chirag,</p> <p>U need to approach your insurer official for issuance of the Original License.</p> <p>Do remember to mention the folowing details to them:-<br /> 1. Your License Number -<br /> 2. Your Agency Code No.<br /> 3. Your immediate Senior's name<br /> 4. Name of Branch where you have be attached as an agent<br /> 5. Details of the training undergone by you<br /> 6. Date on which you appeared for Exams.</p> <p>In case they still do not provide u the license revert back to this forum and we will guide u the further course of actions.</p> <p>bye bye </p> http://www.bimaworld.com/forums/topic/irda-certificate-not-received-yetexam-got-cleared-more-than-6-months-ago#post-1574 Wed, 21 Jul 2010 23:02:10 +0000 Anonymous 1574@http://www.bimaworld.com/forums/ <p>Agent brothers </p> <p>Check this out :-</p> <p><a href="http://in.answers.yahoo.com/question/index;_ylt=Auy0Z67qmq4IcYR3eYkQ1e25HQx.;_ylv=3?qid=20090618230051AATN6kC" rel="nofollow">http://in.answers.yahoo.com/question/index;_ylt=Auy0Z67qmq4IcYR3eYkQ1e25HQx.;_ylv=3?qid=20090618230051AATN6kC</a></p> <p><a href="http://in.answers.yahoo.com/question/index;_ylt=AghHn5SJPDIKu6u.NZU5qN25HQx.;_ylv=3?qid=20090725025052AAgAM2G" rel="nofollow">http://in.answers.yahoo.com/question/index;_ylt=AghHn5SJPDIKu6u.NZU5qN25HQx.;_ylv=3?qid=20090725025052AAgAM2G</a> </p> http://www.bimaworld.com/forums/topic/need-info-on-bsl-dream-endowment-plan#post-1566 Mon, 19 Jul 2010 14:24:12 +0000 Anonymous 1566@http://www.bimaworld.com/forums/ <p>Can i opt for BSL Dream Endowment Plan as a Tax Saving option </p> http://www.bimaworld.com/forums/topic/birla-sun-life-dream-endowment-plan#post-1559 Sat, 17 Jul 2010 18:29:41 +0000 Anonymous 1559@http://www.bimaworld.com/forums/ <p>my age is 25yrs i want to make policy in endowment plans i want a returns about Rs.1000000 i need to know how much premium i have to pay for yearly mode and what is the term for it </p> http://www.bimaworld.com/forums/topic/health-insurance#post-1546 Thu, 15 Jul 2010 10:40:36 +0000 Anonymous 1546@http://www.bimaworld.com/forums/ <p>You should look at the Health Insurance plan and pricing from Royal Sundaram. They offer better insurance prices, and if you opt for the Family Health Plan there are a couple of benefits available.</p> <p>Family Health Insurance Coverage Benefits<br /> - Instant Family Health Insurance Coverage<br /> - No Documentation required for Family Health Insurance<br /> - No Medical Examination required for Family Health Insurance<br /> - Income Tax benefit under section 80D of the IT Act<br /> - Cashless facility in more than 3000 hospitals across India</p> <p>I found this info at the Royal Sundaram website, just wanted to let you know. </p> http://www.bimaworld.com/forums/topic/lic-profit-plus-policy-of-ulip#post-1539 Tue, 13 Jul 2010 23:03:05 +0000 Anonymous 1539@http://www.bimaworld.com/forums/ <p>hey,</p> <p>for knowing the units that have been alloted to you.<br /> First U need to visit your policy issuing office of Lic.<br /> Second provide them with your policy no.<br /> Ask for surrender quotation or policy status.</p> <p>there all details peratining 2 your policy will be made available.</p> <p>Note This site does not belong to any insurance company, Agent, Insurance Brokers or what so ever.</p> <p>It is an endavour of the web manager to provide correct information 2 general public in the field of insurance only.</p> <p>Bye Bye </p> http://www.bimaworld.com/forums/topic/lic-profit-plus-policy-of-ulip#post-1537 Tue, 13 Jul 2010 16:57:52 +0000 Anonymous 1537@http://www.bimaworld.com/forums/ <p>I Have taken lic profit plus policy of ulip in august 2009.i want to know number of units purchased. </p> http://www.bimaworld.com/forums/topic/what-is-the-present-value-of-ienav-future-plus-policy#post-1536 Tue, 13 Jul 2010 10:45:17 +0000 Anonymous 1536@http://www.bimaworld.com/forums/ <p>The fund value for Growth option is Rs. 23.22 as on 12.07.2010 </p> http://www.bimaworld.com/forums/topic/what-is-the-present-value-of-ienav-future-plus-policy#post-1531 Mon, 12 Jul 2010 15:26:15 +0000 Anonymous 1531@http://www.bimaworld.com/forums/ <p>Dear Sir</p> <p>What is the NAV of Future Plus Policy today (12-07-2010).<br /> Please let me know because my scheme period is got over<br /> by 26.7.2010.</p> <p>Regards</p> <p>Balasubramanin<br /> 9944275775<br /> Email: <a href="mailto:balasubra.kri@gmail.com">balasubra.kri@gmail.com</a> </p> http://www.bimaworld.com/forums/topic/irda-certificate-not-received-yetexam-got-cleared-more-than-6-months-ago#post-1509 Wed, 07 Jul 2010 15:54:38 +0000 Anonymous 1509@http://www.bimaworld.com/forums/ <p>Hi,</p> <p>I have cleared IRDA exam around 6 months back but still i have not received the certificate,so i kindly request to let me know how to get it....</p> <p>With Regards,<br /> Chirag </p> http://www.bimaworld.com/forums/topic/present-value-of-lic-future-plus-growth-fund-policy-no-331518736#post-1476 Sat, 26 Jun 2010 12:42:19 +0000 Anonymous 1476@http://www.bimaworld.com/forums/ <p>u need to see your portfolio and judge what growth u have achieved after investment.</p> <p>Moreover, one should wait for atleast 5-7 years to get real fruit of ulip / market linked plans.</p> <p>bye bye </p> http://www.bimaworld.com/forums/topic/switching-in-ulip-plan#post-1474 Sat, 26 Jun 2010 06:05:41 +0000 anand gupta 1474@http://www.bimaworld.com/forums/ <p>when is the right time to switch from equity fund to debt fund and from debt fund to equity fund in any company ulip plan. </p> http://www.bimaworld.com/forums/topic/present-value-of-lic-future-plus-growth-fund-policy-no-331518736#post-1461 Wed, 23 Jun 2010 20:56:01 +0000 Anonymous 1461@http://www.bimaworld.com/forums/ <p>should I surrender lic future plus growth at current rates or wait? </p> http://www.bimaworld.com/forums/topic/medicalim-renewable-lifelong#post-1459 Wed, 23 Jun 2010 17:15:00 +0000 devanand 1459@http://www.bimaworld.com/forums/ <p>The question of saving bonus is not as vital as maintaining continuity of your old policy that of 1994.</p> <p>Moreover, it is also the duty of the insured to ensure that his policy is renewed in time. </p> <p>Now coming back 2 the main issue note there are only 2 options left with you:-</p> <p>1. to request your last insurer to renew the lapsed policy after taking medical reports for members covered therein.</p> <p>2. to take-out fresh medicalim policy.</p> <p>hope the information is of use to you. </p> http://www.bimaworld.com/forums/topic/medicalim-renewable-lifelong#post-1457 Wed, 23 Jun 2010 13:28:18 +0000 Anonymous 1457@http://www.bimaworld.com/forums/ <p>our mediclame policy expired on feb 2010 ,due to our AGENT who collect the prieam regularly every year since 1994 .This YEAR HE HAS NOT DEPOSIT CHECK WITCH HE COLLECT FROM ME IN ADVANCE . WHAT CAN I DO TO SAVE MY BONUS ? </p> http://www.bimaworld.com/forums/topic/sbi-life-equity-fund#post-1436 Wed, 16 Jun 2010 17:31:31 +0000 Anonymous 1436@http://www.bimaworld.com/forums/ <p>U need re-check such plan does not exist in SBI Life. </p>