http://www.bimaworld.com/forums/ Indian Insurance Community Forums en Fri, 10 Feb 2012 09:11:16 +0000 http://www.bimaworld.com/forums/topic/fraud-by-aegon-religare-agent-in-karnal#post-7113 Mon, 30 Jan 2012 23:16:51 +0000 pathialen 7113@http://www.bimaworld.com/forums/ <p>If the company is reliable and is offering this through proper procedure then it is possible, otherwise you should check out that whether all the documentation is full and legal. </p> http://www.bimaworld.com/forums/topic/aviva#post-6950 Wed, 25 Jan 2012 21:30:47 +0000 Anonymous 6950@http://www.bimaworld.com/forums/ <p>I was not told about initial allocation charges in policy(Aviva life little master ) and similarly I paid three mandatory premia regularly and when stopped paying it further .When I asked the agent at Silchar about complications in such cases he told me there is no problem you just monitor fund value .Now I cme to know that there is an option of making your policy PAID Up so that there are no monthly maintenance chharges.But in my case these charges are being deducted for last two years just because of insufficient guidance by agent. The company has to be more transparent. </p> http://www.bimaworld.com/forums/topic/fraud-by-aegon-religare-agent-in-karnal#post-5883 Mon, 02 Jan 2012 17:49:41 +0000 Anonymous 5883@http://www.bimaworld.com/forums/ <p>one agent of Aegon Religare told me that their company launched a scheme that has sure shot 16% return within 3 years.<br /> They sold me a Aegon Religare premium gain plus policy, after checking this I found that this is a ULIP.<br /> Now I got a phone that I can get a portability in this scheme with adding the same amount in the new FD scheme for nine month with handsome return. (30k + 30K) with refund of 82K.<br /> Is is possible? </p> http://www.bimaworld.com/forums/topic/ing-vysya-freedom-plan-a-scheme-to-loot-invester#post-4974 Tue, 01 Nov 2011 18:21:11 +0000 devanand 4974@http://www.bimaworld.com/forums/ <p>Before investing into any market one should understand and study the Segment, Company, its product and the terms and condition of the products.</p> <p>ULIP policy comes with lock in period clause of "three to five" years and certain charges are deducted yearly or monthly basis towards fund management, risk cover and so on.</p> <p>If you feel ING Vysya has charged you with higher deductibles please verify the terms and conditions of the policy and call for clarification from ING Vysya, we are sure they will revert.</p> <p>Further, market has been down for sometime hence the NAV is low resulting into lesser accumulation of fund value in comparison to your investment. </p> http://www.bimaworld.com/forums/topic/ing-vysya-freedom-plan-a-scheme-to-loot-invester#post-4967 Mon, 31 Oct 2011 15:23:34 +0000 Anonymous 4967@http://www.bimaworld.com/forums/ <p>i had invested 13000 half yearly ( 13000*2*5= 130000 invested till now)...for five years in the plan till now and the present fund value is 115000.....</p> <p>I have been looted by the company ...they deduct all type of charged ....Annual charges , Quarterly charges and even monthly charges and what not ...</p> <p>Even to exit before 5 years u have to pay an hefty amount. This the worst fund houses and the worst scheme i ever had in my portfolio.<br /> Please remain away from such looters ..and safegaurd your interests. </p> http://www.bimaworld.com/forums/topic/shipping-across-country#post-4461 Thu, 02 Jun 2011 02:10:58 +0000 Anonymous 4461@http://www.bimaworld.com/forums/ <p>Stop at our website now to obtain additional info regarding <a href="http://www.usapackship.com/shipping.html">Shipping Across Country</a> </p> http://www.bimaworld.com/forums/topic/tamilnadu-star-new-health-insurance-scheme-for-govt-servants#post-4050 Mon, 21 Mar 2011 20:02:28 +0000 Anonymous 4050@http://www.bimaworld.com/forums/ <p>MOU between Star Insurance and Tamilnadu government is an agreement only. But remember, the same is superseded by a Contract evidencing issuance of Certificate of Insurance/ Policy certificate i.e Group Mediclaim Insurance Policy for a year depicting full terms and conditions agreed between the insured (Tamilnadu Govt.) and the insurer.</p> <p>Hence through the Tamilnadu Govt. a copy of the policy having full terms and conditions depicted therein can be demanded from Star Insurance Co.</p> <p>Moreover, there is no rule that case to case basis the amount of surgery fee will be decided. It has to be pre-determined and depicted specifically in the said policy; </p> <p>MOU is an agreement but the final Contract is Insurance Policy document, the insurer is duty bound to provide a copy of the same. </p> http://www.bimaworld.com/forums/topic/tamilnadu-star-new-health-insurance-scheme-for-govt-servants#post-4041 Sun, 20 Mar 2011 21:16:30 +0000 Anonymous 4041@http://www.bimaworld.com/forums/ <p>Sir,<br /> Star insurance company has signed a MoU with govt. of tamilnadu in insuring the health for a maximum of Rs.2 lacs for a block of 4 yrs.<br /> I am searching the web for the break up of the amount reimbursed for every surgery or treatment under this scheme.<br /> No where has star come out clean in black and white the the maximum amount allowed for each surgery.<br /> The call centre replies that its decided case to case basis.<br /> Neither IRDA nor The Govt. of Tamilnadu prevailed on the company to disclose the percentage of the sum assured to be claimed for each surgery.<br /> Unlike the public insurance company have everything in the documentation clearly mentioned. This would avoid unnecessary displeasure.<br /> Would Star look into it? </p> http://www.bimaworld.com/forums/topic/hi-newbei-from-us#post-3928 Sun, 06 Mar 2011 14:33:02 +0000 martin 3928@http://www.bimaworld.com/forums/ <p>Hi,</p> <p>A newbie here with a great interest in personal finance and other financial issues. I've been doing a lot of writing around the subject in the past few years. I hope to share helpful tips and advice in this forum and be part of the community.</p> <p>I found this forum very interesting and valuable, it is really great to be a part of this forum. </p> http://www.bimaworld.com/forums/topic/newbie-here#post-3578 Thu, 03 Feb 2011 09:15:03 +0000 jenny 3578@http://www.bimaworld.com/forums/ <p>Hi,</p> <p>Wants to say hello, i am scarlet from canada and interested in Internet Surfing, Forum Posting and Listening Music as i thought forum posting is one of the best way to enhance knowledge and grab new things.</p> <p>I found this forum very interesting and valuable, it is really great to be a part of this forum. </p> http://www.bimaworld.com/forums/topic/share-your-insurance-story#post-492 Sat, 24 Oct 2009 23:22:20 +0000 kabra 492@http://www.bimaworld.com/forums/ <p>I had insured:-</p> <p>1. My house vide fire policy and Burglary Policy<br /> 2. Myself &#38; My spouse vide Personal Accident policy<br /> 3. Mediclaim policy for Family including my parents<br /> 4. Pension policy for parents and myself too.<br /> 5. Other investment done vide different life insurance plans</p> <p>I came across one of my old freind who narrated his story of fire mishap which destroyed every thing, but then the insurance company compensated him fully for the loss. </p> <p>Listening to his story the same day i called upon my insurance consultant and understood the plans one must take in the normal course of life and now, you can see that I am insured vide several policies and financialy secured.</p> <p>Please do insure for your beloved ones and for yourself too. </p> http://www.bimaworld.com/forums/topic/personal-accident-claim-payment#post-488 Fri, 23 Oct 2009 23:37:54 +0000 devanand 488@http://www.bimaworld.com/forums/ <p>A corporate concern had taken out a Group Personal Accident policy for its workers. During the poilcy period one of the worker died and the claim was lodged with the insurer.</p> <p>Insurer asked for some of the relevant documents like:<br /> Death Certificate<br /> Post Moterm Report<br /> FIR copy &#38; Final Police report<br /> Hospital's Certificate showing cause of death<br /> Hospitalization and Indoor case papers.</p> <p>Corporate concern was able to furnish the Death Certificate along with a brief note about the incident after much persuation from the deceased worker's family. </p> <p>It was then noticed that the worker who died, had a road accident while driving motor bike on 6th May 2009 and had a fracture with minor injuries here and there. The worker got his fractured leg plastered from an Ayurvedic clinic but No FIR was made.</p> <p>Subsequently, the injured worker complained "chest pain" on 20th May 2009 and was taken to a Government hospital, where he ultimately died.</p> <p>The insurance company having noted all the facts and circumstance conveyed their inability to pay the claim since death was not caused as a consequence of the road accident but purely becasue of "heart failure", a primary cause, totally isolated and independent from the accidental injury. </p> <p>Conclusion: Under Personal Accident Policy "Death claim" is payable, if, death is caused directly as aresult of an accident or on account of a cause directly attributable to that accident. </p> http://www.bimaworld.com/forums/topic/share-your-insurance-story#post-265 Tue, 11 Aug 2009 14:35:31 +0000 admin 265@http://www.bimaworld.com/forums/ <p>Your insurance experiences, what all policies have you taken? What made you select these policies?</p> <p>And your learning, thoughts...</p> <p><strong>Your advice will help many</strong> </p> http://www.bimaworld.com/forums/topic/blogger-introduce-your-blog#post-260 Thu, 06 Aug 2009 16:39:01 +0000 Anonymous 260@http://www.bimaworld.com/forums/ <p>1) Blog URL: <a href="http://www.jagoinvestor.com" rel="nofollow">http://www.jagoinvestor.com</a><br /> 2) Your name: Manish Chauhan<br /> 3) Top 5 blog posts on Insurance from me are :</p> <p> - Importance of Life Insurance in India : <a href="http://www.jagoinvestor.com/2008/06/life-insurance-revisited-one-of-my-good.html" rel="nofollow">http://www.jagoinvestor.com/2008/06/life-insurance-revisited-one-of-my-good.html</a></p> <p> - How to Calculate your Insurance requirement : <a href="http://www.jagoinvestor.com/2008/09/how-to-calculate-insurance-requirement.html" rel="nofollow">http://www.jagoinvestor.com/2008/09/how-to-calculate-insurance-requirement.html</a></p> <p> - Why people dont like Term Insurance and why they are wrong : <a href="http://www.jagoinvestor.com/2009/08/why-people-dont-like-term-insurance-and.html" rel="nofollow">http://www.jagoinvestor.com/2009/08/why-people-dont-like-term-insurance-and.html</a></p> <p> - Secure your Family : <a href="http://www.jagoinvestor.com/2009/01/secure-for-family-risk-management-part.html" rel="nofollow">http://www.jagoinvestor.com/2009/01/secure-for-family-risk-management-part.html</a></p> <p> - Are private Insurance Companies Safe : <a href="http://www.jagoinvestor.com/2009/02/are-private-insurance-companies-safe.html" rel="nofollow">http://www.jagoinvestor.com/2009/02/are-private-insurance-companies-safe.html</a></p> <p>4) Facebook and Twitter links</p> <p> Face book group : <a href="http://www.facebook.com/group.php?gid=125379466536" rel="nofollow">http://www.facebook.com/group.php?gid=125379466536</a><br /> twitter : <a href="http://twitter.com/chnmanish" rel="nofollow">http://twitter.com/chnmanish</a></p> <p>5) Anything else you want to share ...</p> <p>I am Financial Planning blogger and I am a serious one </p> http://www.bimaworld.com/forums/topic/blogger-introduce-your-blog#post-259 Thu, 06 Aug 2009 15:01:21 +0000 Anonymous 259@http://www.bimaworld.com/forums/ <p>Hi. I write on personal finance and taking insurance cover is part of my agenda. Here's some details:</p> <p>URL: <a href="http://ranjanvarma.com" rel="nofollow">http://ranjanvarma.com</a><br /> Name: Ranjan Varma<br /> Insurance Posts:<br /> <a href="http://ranjanvarma.com/insurance-vs-investments/" rel="nofollow">http://ranjanvarma.com/insurance-vs-investments/</a><br /> <a href="http://ranjanvarma.com/ulip-investment-50000-turns-into-47000/" rel="nofollow">http://ranjanvarma.com/ulip-investment-50000-turns-into-47000/</a><br /> <a href="http://ranjanvarma.com/confessions-of-an-insurance-agent/" rel="nofollow">http://ranjanvarma.com/confessions-of-an-insurance-agent/</a><br /> <a href="http://ranjanvarma.com/financial-planning-workshop/" rel="nofollow">http://ranjanvarma.com/financial-planning-workshop/</a><br /> <a href="http://ranjanvarma.com/principles-of-personal-finance-management/" rel="nofollow">http://ranjanvarma.com/principles-of-personal-finance-management/</a></p> <p>On Twitter: <a href="http://twitter.com/ranjanv" rel="nofollow">http://twitter.com/ranjanv</a> </p> http://www.bimaworld.com/forums/topic/blogger-introduce-your-blog#post-255 Tue, 04 Aug 2009 13:38:00 +0000 neha 255@http://www.bimaworld.com/forums/ <p>We have great respect for bloggers as they spend a lot of time collecting and simplifying information. If you are a blogger, please add comment to this thread with following details:</p> <p>1) Blog URL:<br /> 2) Your name: (Optional)<br /> 3) Top 5 Insurance related posts from your blog with a small description about each post and URL. (Make sure that the blog posts are insurance related and relevant for this community)<br /> 4) Facebook and Twitter links<br /> 5) Anything else you want to share ...</p> <p>We will highlight the blogs across this website and many mail it to our community members.</p> <p>Looking forward for a lot of comments.</p> <p>Regards,<br /> Neha </p> http://www.bimaworld.com/forums/topic/press-release-by-irda-on-24062009#post-66 Wed, 24 Jun 2009 23:43:03 +0000 Anonymous 66@http://www.bimaworld.com/forums/ <p>PRESS RELEASE </p> <p>It has come to our notice that there is an active website that is styled <a href="http://www.irdaindia.org.in" rel="nofollow">www.irdaindia.org.in</a> which looks identical and confusingly similar to our official website <a href="http://www.irdaindia.org." rel="nofollow">www.irdaindia.org.</a> As the website [b](www.irdaindia.org.in) could lead to misinterpretation of its contents, we are taking steps to ensure that there is sufficient clarity in this regard. Meanwhile, we hereby advise all the stakeholders, academia, general public and all others to exercise utmost caution in dealing with the website; and not to get misguided by what is stated therein. </p>