Aiming for secured health in future: knockdown to insure it by a Health Insurance

Aiming for secured health in future: knockdown to insure it by a Health Insurance

In this erratic world, one never knows what could happen at any point in time. Due to this uncertainty in life, we should always be prepared for its miseries and disappointments. We are having a sedentary lifestyle which has made health insurance a necessity for us. Among multiple health insurance plans options available in the market, it’s on you how it chooses. 

As we’ve heard, “A Stitch in Time Saves Nine”, the meaning of this age-old proverb is quite literal. It effectively means that we must attend to things well in time so that we can save ourselves a lot of trouble later on if it becomes unmanageable. Moreover, we know that the rise of inflation in medical expenses has reached the heights, it has become mandatory for us to buy health insurance to secure our future. 

Now the questions striking our mind are “What is this health insurance exactly? What   does   it   do  ?   and 

How does it work?   etc.

So here we go with the answers :

Health Insurance:

Health insurance is insurance coverage that covers the whole or a part of the risk of a person sustaining medical expenses. This insurance can reimburse the insured for expenses incurred from illness or injury, or pay any other medical expenses. 

What does Health Insurance do? 

Health insurance covers essential health benefits which are critical to maintaining our health, treating illness, and accidents. It protects us from unexpected and unpredictable high medical costs. The insurance makes sure that the insured has to pay such medical expenses out-of-pocket. The insurer settles the bill directly with the hospital. 

How does Health Insurance exactly work? 

First, we should take proper health insurance according to our requirements.  God forbid but if we ever have a health-related problem in the future, this insurance will come to our great help. It not only helps pay for our health care but also covers services ranging from routine doctor visits to major medical costs from a serious illness or injury. It also covers many preventive services to keep our health secure. 

After thoroughly understanding its necessity, now we’ll need to find a health care provider to buy health insurance which best suits our budget and requirements. So, here we have the analyzed data. 

Over here, we are getting the information regarding various health insurance plans which have been compared so that it becomes convenient for us to choose the right one. 

According to Incurred Claims Ratio, Sum Insured and Pre & Post- hospitalization expenses, the top 10 health care providers, i.e., health insurance plans in India are mentioned below :

1.Essential Privilege Plan :

It is a complete health care offer provided by Universal Sompo. A tremendous Incurred Claims Ratio and amazing offers are owned by the company which is the desire of many families. A wide range of coverage is also provided by this company and it also provides coverage for 91-day old babies. Its family floater plan includes a maximum of six members. 

Benefits and Characteristics:

  • DayCare Procedures
  • Domiciliary Hospitalization
  • Pre-Hospitalization Cover
  • Post-Hospitalization Cover
  • In-Patient Hospitalization
  • Organ Donor Facility
  • Ambulance Cover
  • Child Coverage
  • Vaccination
  • Hospital daily cash
  • Critical illness coverage
  • Sub-limits
  • Bonus
  • Grace period
  • Tax Benefit
  • Pre-Pre-Insurance Health CheckUpCheckUp

Exclusions & Limitations :

  • Hearing Aids
  • Drugs, alcohol and other substance addiction
  • Experimental and unauthorized treatment 
  • Sexual dysfunction
  • Infertility and birth control treatment
  • Self-inflicted Surgery
  • Any injury due to participation in the war
  • Injury is due to illegal or unlawful activity.
  • Mental disorder or psychiatric treatment. 

2.Activ Assure Diamond Plan:

Aditya Birla Health Insurance Company offers The Activ Assure Diamond plan  which provides comprehensive coverage to its policyholder. It is considered to be one of the best health insurance policies in the insurance market. The plan also has a higher sum insured option for its policy buyers. It provides several appreciable facilities and coverage under the plan. 

Benefits and Characteristics:

  • In-patient hospitalization
  • Sum Insured Reinstatement
  • Organ Donor Expenses
  • DayCare Procedures
  • Domiciliary Hospitalization
  • Pre-Hospitalization Cover
  • Post-Hospitalization Cover
  • AYUSH Treatment Cover
  • Daily Allowance
  • Health Coach Facility
  • HealthReturns
  • Second E-Opinion Option
  • Tax Benefit
  • Room Upgrade

Exclusions & Limitations:

  • Genetic disease treatment expenses.
  • Mental disorder treatment.
  • Non-allopathic treatment expenses.
  • Treatment-related to obesity or any of the cosmetic surgeries.
  • Treatment relating to HIV AIDs disease
  • Any self-inflicted injury.
  • Suicidal cases.
  • Injury due to involvement in war activity.
  • Treatment for drug addiction, alcoholism, or another intoxicant.
  • Any medical assistance outside the country.
  • Infertility related treatment.

3.Family Health Optima Plan:

Family Health Optima Plan is offered by Star Health Insurance Company. It is a super saver plan, gives coverage to the entire family under a single sum insured. It is also loaded with extra benefits. 

Benefits and Characteristics:

  • Room Rent Facility
  • Sub-limits
  • Ambulance Cover
  • Air Ambulance Cover
  • New Born Baby Cover
  • Organ Donor Expenses
  • Alternative Treatment
  • Bonus
  • Second Medical opinion

Exclusions & Limitations:

  • Frenuloplasty, circumcision & preputial dilation.
  • STD and venereal diseases.
  • Psychiatric treatment.
  • Mental disorder.
  • Congenital anomalies.
  • Treatment with respect to abortion, miscarriage, or other complications.
  • Injury caused by self.
  • Treatment of injury due to war, invasion, enemy attack, etc.
  • Treatment of endocrine diseases.
  • Treatment-related to sleep apnea.
  • Treatment relating to HIV/AIDs.
  • Refractive error correction and Lasik laser expenses. 

4.Care Health Insurance Plan:

Religare Health insurance company offers Care Health Insurance Plan which is one of the best health insurance plans competing in the health insurance market.       Comprehensive coverage is provided to its policyholders by it. It provides both- individual and family floater plans. Several medical facilities are also given to it’s insured. Few of the benefits and features are as follows:-

Benefits and Characteristics:

  • Pre-Hospitalization Cover
  • Post-Hospitalization
  • In-patient Care
  • No Claim Bonus
  • Daycare Treatment
  • AYUSH Treatment Cover
  • Second Opinion Option
  • Daily Cash Facility
  • Ambulance Cover
  • Medical Screening
  • Tax Benefit

Exclusions & Limitations:

  • Treatment of HIV/AIDs.
  • Congenital illness.
  • Infertility and pregnancy termination surgery. 
  • Injury is due to an attempt to suicide or any other self-inflicted wound.
  • Major wounds due to participation in the war, riot, or any unlawful activity.
  • Alcohol or drug abuse.

5.Optima Restore Plan:

HDFC Ergo Health Insurance Company (formerly known as Apollo Munich Health Insurance Company) offers Optima Restore Plan. The policyholders are taken care of and are also rewarded for staying fit by this plan. There is also an option of auto restoration of the sum insured in case it is completely utilized during the policy year.  A free health checkup facility is also available once in a 2-year policy period on the sum insured of Rs. 5 lakhs and once every policy year on the sum insured of Rs.10 Lakhs and above.

Benefits and Characteristics:

  • Pre-hospitalization
  • Post-hospitalization
  • Day Care Procedures
  • Ambulance cover
  • Organ Donor Cover
  • E-Opinion
  • Domiciliary Treatment
  • Daily Cash For Opting shared Accommodation
  • Critical Advantage Rider
  • Discounts
  • In-Patient Hospitalization
  • Pre-Existing Disease Waiting Period

Exclusions & Limitations:

  • There is an exclusion for 2 years for specific diseases like hernia, cataract, joint replacement, hysterectomy, etc.
  • Injury due to participation in war or any defense activity.
  • HIV/AIDs treatment.
  • Any claim except accidental case within the initial waiting period of 30 days. 
  • Injury due to chemical, nuclear or biological weapons.
  • Intoxicant abuse like drugs and alcohol.
  • Congenital diseases.
  • Mental disorder.
  • Cosmetic surgery and weight control treatments. 
  • Non-Allopathic treatment.

6.Health Companion Plan:

Health Companion Plan is offered by Max Bupa Health Insurance Company. A wide range of Sum Insured options is provided for its policyholders. Three variants are available under the plan based on sum insured options and facilities. 

Benefits and Characteristics:

  • Emergency Ambulance
  • Domiciliary Hospitalization
  • Refill of SI
  • Animal Bite Vaccination
  • Pre-hospitalization
  • Post-Hospitalization
  • In-patient Care
  • Waiting Period
  • Living Organ Donor Transplant
  • ICU Cost Cover

Exclusions & Limitations:

  • Puberty and menopause-related disorder.
  • Treatment from the unrecognized health center.
  • Unjustified hospitalization.
  • Permanent neurological disorder.
  • Artificial life maintenance.
  • Cosmetic surgery.
  • Ancillary hospital charges.
  • HIV/AIDs treatment.
  • Hazardous activity.
  • Off-label drug abuse treatment.
  • Obesity treatment.

7. My Health SurakshaPlan:

HDFC Ergo Health Insurance Company has offered one of the best health insurance plans as always and one of those is my: Health Suraksha. The plan covers the insured in all possible ways and easily fits the budget as well. It covers the insured, their family as well as their newly born baby.  Few of the details of the plan which can help us make better decisions are as follows:-

Benefits and Characteristics:

  • Regain Benefit
  • Pre-Hospitalization
  • Post-Hospitalization
  • Enhanced Cumulative bonus
  • Organ donor
  • Newborn Baby Cover
  • Emergency ambulance
  • Renewal Benefits
  • Second E-Opinion

Exclusions & Limitations:

  • HIV/AIDs related treatment.
  • Cases related to intoxicating substance abuse like drugs and alcoholism.
  • Injury due to unlawful activity.
  • Any type of cosmetic surgery.
  • Any claim within the initial 30 days of buying the policy except accidental cases.
  • Self-inflicted injury and suicidal cases.
  • Any injury due to involvement in war activity.
  • Any treatment relating to weight control.

8. Prohealth Plus Plan:

The ManipalCigna Health Insurance Company has launched the Prohealth Plus Plan. Being a self-sufficient health insurance plan it provides comprehensive coverage. It covers both types of policyholders- who are residing within the country and outside the country in case of an emergency. The benefits of this plan are as follows:-

Benefits and Characteristics:

  • Restoration Of Sum Insured
  • Worldwide Emergency Cover
  • Newborn baby cover
  • Maternity Expenses
  • Free Health Checkup
  • First Year Vaccination Cover
  • Cumulative Bonus
  • Expert Opinion
  • Family Floater Limit
  • Mandatory Co-payment
  • Portability Option
  • Pre-Hospitalization
  • Post-Hospitalization
  • Income Tax Exemption
  • Free-look Period
  • Waiting period

Exclusions & Limitations:

  • Behavioral problems including attention deficit hyperactive disorder (ADHD).
  • Dyslexia
  • Expenses relating artificial life support including a life support machine used in the procedure.
  • Birth control treatments and contraceptive supplies expenses.
  • Routine medical checkup of eye and ear.
  • Circumcision unless the disease requires surgery.
  • Cosmetic surgery.
  • Laser surgery of the eye.
  • Syphilis, genital warts, gonorrhea, genital herpes, chlamydia, etc.
  • Weight loss treatment.

9.Senior Citizen Red Carpet  Plan:

Senior Citizen Red Carpet Plan is one of the best plans offered to Senior Citizens by Star Health Insurance Company. We know that Medical issues are common with the growing age, so it is really necessary to have a plan that can provide us medical coverage and cut down on the medical expenses in old age. This plan has proved to be of great help to elderly people with the choice of good Sum Insured options. The benefits and features of the plan have been mentioned below. 

Benefits and Characteristics:

  • Pre-Hospitalization Cover
  • Post-Hospitalization Cover
  • In-Patient Hospitalization
  • ICU Charges
  • Pre-insurance Medical Screening
  • Co-payment
  • Health checkup
  • Sub-limits

Exclusions & Limitations:

  • Nutritional deficiency state.
  • Congenital external condition.
  • Run-down condition or rest cure.
  • All types of cosmetic surgery.
  • Dental treatment.
  • Plastic surgery.
  • Sexually transmitted diseases.
  • Venereal diseases.
  • Intentional self-injury.
  • Convalescence. 
  • Inoculation or vaccination. 
  • Intentional self-injury.
  • Treatment of subfertility assisted conception and other related complications of the same.

10.Lifeline Supreme Plan:

Royal Sundaram health insurance company offers the Lifeline Supreme Plan. The plan is counted to be one of the best coverage providers. Comprehensive coverage is provided to both individuals and families. Several add on facilities are also provided under the plan. A few of the benefits and features have been mentioned below. 

Benefits and Characteristics:

  • Ambulance cover
  • Daycare Treatment
  • NCB
  • Re-load Of Sum
  • Free Health Checkup
  • Vaccination in Case Of Animal Bite
  • Worldwide Emergency
  • Second Opinion
  • Newborn Baby Cover
  • Maternity benefit
  • Vaccination Cover for New Born baby
  • Pre-Existing Disease Waiting Period

Exclusions & Limitations:

  • Treatment at an unrecognized health center.
  • Congenital diseases.
  • Dental/oral treatment.
  • Psychosomatic condition.
  • Obesity treatment.
  • Addictive condition and disorder.
  • Healthy hydros.
  • Unrelated diagnostics.
  • Injury in conflict and disaster.
  • Sleep disorder.
  • Psychosomatic condition.
  • Reproductive disorder treatment.
  • Drugs and dressing for OPD treatment.
  • Unprescribed X-ray.

These are the top 10 health insurance companies providing the best health insurance for all of us. 

This is the era of erratic as there are so many threats to our lives. It is thus of paramount importance that the people should be acknowledged on the issues of medical care. We should have health insurance as it is the need of the hour if we have to safeguard our future. 

Medical help is one of the greatest help one could get as it requires both financial and moral support. 

It is therefore imperative that as we enter the Millenium, we replace the structure with a more humane, objective, forward-looking system. Where there is more stress on Health and Life. 

Things to know before purchasing a Coronavirus Health Insurance Cover

Coronavirus Health Insurance Cover

The entire world is facing a serious health hazard of coronavirus from late 2019. It results in respiratory problems, pneumonia, badly-behaved in lung functions, and even multi-organ failure. In this critical situation, everyone is suggesting to purchase a Coronavirus Health Insurance Cover. Some people have already opted for a health insurance cover. While others are still thinking of purchasing one for their family. If you are the one who is thinking of purchasing a Coronavirus Health Insurance Cover then you must read the below points to get an idea about the plan.

Adequate sum insured

Whenever we think of purchasing a health insurance policy the first thing that comes in our mind is the sum insured. It is necessary to purchase a policy that has an adequate sum insured. Numerous insurance companies in the market are providing so ever sum insured at a higher price. Before purchasing a Coronavirus Health Insurance Cover, you just need to decide a sum insured. A sum insured that is sufficient to cover the health needs of your family. If you will not look for the sum insured then it will create a problem later. You can take a sum insured of up to 5 lakhs for the treatment of coronavirus.

Renewability:

Coronavirus special health covers are non-renewable. They are available only for a limited period of one year. But if you have a normal health insurance policy then you can renew and use it till lifelong.

Eligibility:

People who have a recent travel history from any highly infected country are not eligible to purchase this plan. Also, if you are found with any symptoms of coronavirus before 6 weeks of purchasing the plan. Then the company has the right to keep your policy on hold or cancel it. Additionally, any normal person of up to 75 years of age can buy Coronavirus Health Insurance Cover.

Free Look period:

All the special COVID 19 plans have a special feature of 15 days free look period. In case if you find your policy not sufficient then you can cancel it within 15 days. The insurance company will initiate your refund instantly.

Waiting period:

All health insurance policies come with a basic waiting period of 30 days. However, seeing the criticality of the coronavirus, some insurance providers have reduced their waiting period to 15-20 days.

Coverage:

Coronavirus Health Insurance Cover provides multiple coverage benefits for their customers. You can cover in-patient hospitalization, ambulance, OPD, and ICU charges. Apart from this, pre-hospitalization expenses of 30 days and post-hospitalization expenses of 60 days are also covered in the policy.

Difference between a Coronavirus Health Insurance Cover and a standard health insurance plan:

  • A standard health insurance plan will cover all types of ailments like critical illness, accident, and pre-existing disease. While a coronavirus plan will only cover your hospitalization and treatment of the coronavirus after purchasing the plan.
  • If you are already infected with coronavirus, then the insurance company will allow you to purchase the policy. Whereas you can take treatment from the first day after getting infected with an existing health insurance policy.
  • All standard health insurance plans come with a basic renewable tenure of 1 year and you have to renew it after 1 year to continue with the same plan. Whereas a coronavirus health insurance policy doesn’t come with a renewal option and has a total tenure of 1 year.
  • You can avail of an additional sum insured in a standard health insurance plan if your insurance account hits zero in mid of the year. But a coronavirus plan does not give you the facility to add sum insured after purchasing the plan.
  • Both standard health insurance plans and Coronavirus Health Insurance Cover gives you the freedom to take cashless treatments in the network hospitals.

Conditions that are over or excluded in Coronavirus Health Insurance Cover:

Coronavirus Health Insurance Cover is the safest option for those who want to protect themselves from the coronavirus but don’t have any health insurance plan. Though this plan provides immense protection to COVID infected patients but doesn’t seem suitable for overall protection. However, if you choose a Best Health Insurance plan then it proves to be the right choice to deal with life-threatening conditions. Read the below points to know about the inclusions and excluded from a COVID-19 insurance plan.

  • Customers who have traveled to China, Italy, Spain, Japan, Thailand, or any other most infected countries after November are not allowed to make a claim.
  • If you come in contact with a COVID-19 patient in mid 6 weeks of prior purchasing the policy then you are not eligible to purchase a policy.
  • A Coronavirus Health Insurance Cover will not cover you with the existing symptoms of coronavirus like sneezing, cough and breathing problems.
  • The insurance company will conduct several tests at the time of purchasing the policy. The insurance company has the right to put your policy on hold if they found you positive in the tests.

Conclusion

As per a recent survey, we have found that less than 4% of infected people have an existing health insurance policy. So, it became a serious concern for our society whether we are serious about our health or not. We all have seen various advertisements, posters, banners showing the importance of health insurance. Still, we are not thinking about opting for one for ourselves. This type of human mindset will lead to a huge loss to their saving in the future.

We have predicted the criticality of the future. Hence comes to a conclusion that it is important to opt for a Best Insurance Policy that covers your coronavirus as well as all other diseases. Although you have to pay low premiums in Coronavirus Health Insurance Cover this will end after a year. So, opting for comprehensive health insurance is better than going for a temporary Coronavirus cover.

How does a Coronavirus Health Insurance Cover help in critical times?

Coronavirus health insurance cover

The sudden outbreak of Covid-19 lately in the previous year has now become a huge threat to the whole world. The death toll as well as the number of infected persons are increasing each day with high density. More than 4.5 lakh people have already died due to this life taking virus. People with respiratory problems, children and old age people are at high risk of infection through coronavirus. Obvious people take complete measures to protect themselves from this disease. They are maintaining social distance, washing hands regularly, wearing masks, sanitizing surfaces, avoiding traveling, and keeping adequate cleaning. Believe it or not, anyone can get infected from this coronavirus. It is completely unpredicted and not in your hands to remain safe from this. So, a Coronavirus Health Insurance Cover will help you to deal with this unexpected situation.

However, a health insurance plan is sufficient to cover your coronavirus treatment expenses. You don’t need to waste money by purchasing an extra Coronavirus Health Insurance Cover. All the insurance companies are providing COVID-19 treatment facilities with the existing health insurance plan. As we know that coronavirus is a new disease hence it does not fall in the category of pre-existing disease.

Certain conditions and exclusions to avail benefit under your existing policy.

  • Health insurance policies provide similar benefits as they do with another ailment. So, customers can take treatment of this disease after completing the normal waiting period.
  • Your existing health insurance policy will not cover your coronavirus testing expenses. If you want to make a claim for coronavirus treatment, then it is important to get hospitalized for a minimum of 24 hours.
  • Any standard insurance policy will not cover your Quarantine or any non-hospitalization expenses. 
  • With your existing health policy, you don’t have to hold the coronavirus treatment due to the waiting period. 

Important facts and Benefits of purchasing a Coronavirus Health Insurance Cover

Everyone wants to protect themselves from sudden financial risks. So, Coronavirus Health Insurance Cover is the best thing to purchase in these critical times of the epidemic. The WHO already declared coronavirus as a pandemic. So, it is better to keep yourself protected with COVID cover instead of paying high hospital expenses later. Here we have provided some facts and benefits of a COVID cover that customers should know.

  • Sum insured:

    Lots of people are dying in the world due to this coronavirus. If you are suffering from respiratory disease or other breath related ailment then it is important to take high sum insured. Opting for a high sum insured is appropriate to cover high medical bills.

  • Waiting period:

    When it is about a rapidly spreading disease like coronavirus, it is important to look for the waiting period. A policy with a too-long waiting period will not help you in an emergency. So, make sure to check for the waiting period of the plan.

Most insurance companies are providing 30 days waiting period. But there is a certain insurance provider who is allowing a waiting period of fewer than 30 days.

Also, if you already have an existing health insurance policy then you don’t have to serve any waiting period. Your entire hospitalization expenses will be covered from the very first day of the treatment. On the other hand, if you purchase a policy after getting infected with the coronavirus. Then the treatment will cover after the waiting period gets over.

  • Coverage:

    Whatever policy you are purchasing, checking for the coverage option is a vital part of purchasing an insurance plan. Accidently if you miss reading any clause, later it will create a problem for you. So strictly check the coverage provided by your insurance provider. Whether the policy is covering your ICU charges, in hospitalization expenses, ambulance charges, and other required coverage.

Exclusion under Coronavirus Health Insurance Cover:

  • A Coronavirus Health Insurance Cover will not cover your pre and post-natal expenses. Though you can talk to your insurance agent and purchase additional coverage for this.
  • Health insurance policy will not cover the treatment of a pre-infected person. Apart from this, if the insurance company found any symptoms of coronavirus in you prior to 6 weeks of purchasing the policy then you will not be able to make a claim.
  • The insurance company will not approve your claim if you take the treatment of corona without doctor recommendation or prescription.
  • Coronavirus health insurance policy will not cover home quarantine cases.
  • Treatment taken in any non-recognized hospital or quarantine center is not allowed to make claims.

Ways to make claims under the coronavirus health insurance policy:

Like other health insurance plans, coronavirus covers are also eligible to take both cashless and reimbursement claims.

  • Cashless claims for coronavirus plans:

    In cashless claims, the hospital authorities contact directly with the insurance company to settle claims. Before getting admitted to any network hospital, you have to inform them on call. After hospitalization, you need to contact the TPA desk and inform them about your health conditions. If you won’t take treatment in a network hospital then you will not be able to take benefit of cashless treatment.

  • Reimbursement claims for coronavirus plans:

    In case if you don’t find any hospital in your nearby location then you can take treatment at any hospital. Obviously, you have to pay the medical bills from your pocket. But later the insurance company will reimburse the complete expenses to your bank account. All you need to make a reimbursement claim by filling up the claiming form and submitting the documents to the insurance provider.

Customers can check for coronavirus health insurance plans on online websites. as all the insurance companies are providing high sum insured at low annual premiums. 

Does your Term Insurance plan cover the Death Due to Covid-19?

Term Insurance Plan

These days Covid-19 is a serious health threat to our society. As we all are aware of the fact that every minute, we saw some new statistics related to the coronavirus. A lot of people are dying every day due to this deadly virus. Previously, the government has announced a free test for suspected patients. But now you have to pay for the COVID-19 test. So, it becomes a necessity to purchase a Term Insurance Plan to reduce unexpected financial burdens. Further think about, if you found positive? Do you have this much savings to pay your medical expenses? At this critical time, a Term Insurance Plan that covers the medical expenses of your corona treatment is just a blessing.

What is the Term Plan?

If you are already a policyholder and thinking whether your current policy is adequate to provide coverage. Life insurance policy is to provide financial support in case of sudden demise. You will get the promised sum insured in case you died due to Covid-19 or any other disease. 

However, if you are the one who has still not opted for any term insurance plan then this is the high time to purchase one for you as well as for your family. Of course, you have to go through certain medical tests to purchase a plan at this critical time. There is no doubt that your family will receive the entire death benefit in the policy if you are found not infected in the tests. 

Whereas if you are already infectious or underlying medical conditions. Then the company will decide whether they will issue you a policy or not. It is also possible that they keep your policy on hold or deny you.

Currently, we have no cure for this disease so this policy might be a little expensive for you. But overall if we think about security then there is no loss in taking an advance step for the protection of our loved ones.

Things to remember while purchasing a term Insurance plan for Covid-19:

  • Term Insurance plans provide a high sum insured for lower premiums.
  • Term insurance plans provided by different insurance companies have diverse benefits. So, make sure to check the policy documents diligently to avoid any misconceptions.
  • If you have already purchased a life insurance policy or term insurance plan then you have an additional benefit. You don’t have to wait for the policy approval in case you find Covid-19 positive in the future.
  • You can also purchase a Term insurance policy to protect your family against unexpected financial risks after you.
  • If you won’t take any term insurance plan then your family has to rely on the other means to surge through these uncertain times.

An Introduction To Aditya Birla Health Insurance company

Aditya Birla Health Insurance

Aditya Birla Health Insurance company is a joint venture of 2 leading companies of India and South Africa. In 2015, Aditya Birla and MMI Holdings of South Africa started this company with 51% and 49 % of respective shares and started their business in October 2016. In a short time period of 4 years, this company has managed to maintain a good reputation in the health sector. Although this company was dealing with other sectors since 1857, it is admirable to set up their business in the insurance sector. They have 17,000 registered employees working around the world. Apart from this, 2,00,000 employees are working with Aditya Birla Health Insurance company as a broker, agent, or channel partner.

Health plays an important role in every person’s life and you should take good care of it. As per a survey, we found that a normal person spends around 5-6 thousand rupees per month on their health. Hence if we calculate the annual data then it will go too high. Also. when we talk about health, then the first thing that comes in our mind is the hospital expenses. Just think once, if you get diagnosed with any critical illness. Is your saving sufficient to provide good treatment? Maybe not, no middle-class person has this much savings to spend on their medical emergencies. That’s why opting for health insurance is not a choice in the current scenario. Additionally, it will be a cherry on the cake if you purchase it from the best health insurance in India like Aditya Birla Health Insurance company.

After all, the Aditya Birla group of companies has well-maintained credibility in the Indian market. But there are so many other reasons to choose this company as your financial support in health emergencies.

Reasons Why You Should Choose Aditya Birla Health Insurance?

  • This company provides family floater benefits to all individuals as well as long term plans.
  • Provide an annual health check-up facility for all age groups.
  • Provide attractive discounts at the time of purchasing and renewal. Also, provide a bonus at the end of the policy so that the policyholder can renew their policy on discounted rates.
  • This company will provide various plans to cover all the health emergencies, whether they are critical, pre-existing, or permanent.
  • Users can make their policy more effective by opting add on covers along with the basic plan.
  • The insured person can avail Tax deductions benefits as per Section 80D of the Income Tax Act.

Aditya Birla capital health insurance company has an incurred claim settlement ratio of 85.34%.

Features & Benefits provided by Aditya Birla Health Insurance company

·  High sum insured:

A policy with a low sum insured will not be able to cover your overall medical expenses. So, this company provides a high sum insured of up to 2 crores. You can purchase a health insurance plan of a minimum of 10 lakhs to the maximum as per your budget and need.

·  Long term policy:

Customers can purchase a long term plan of 3 years to eliminate the hassle of renewing the policy every year.

·  Supplementary Coverages:

It is important to take supplementary coverage with a basic health insurance plan. This will cover your additional expenses such as in-patient treatments, surgery charges, ICU costs, private room rent, and many others

·  Day-care treatment cover:

Surgeries taking less than 24 hours are covered in the policy. Generally, most of the insurance provided doesn’t cover these expenses in the policy.

·  Pre and Post Hospitalization cover:

Policyholders can remain stress-free of their pre and post-hospitalization expenses. Expenses incurred after and before within a certain period of hospitalization is covered in the policy.

·  Range of network hospitals:

Aditya Birla health insurance company has more than 6050 network hospitals in India. Insured persons can take cashless treatment at these hospitals.

·  Lifetime renewability:

Aditya Birla Health Insurance company provides lifelong insurance renewability features. You can purchase a policy until the end of your life and get rid of paying high medical expenses.

·  Sum insured reload:

In case you sum insured gets void in mid of any treatment then the insurance provider will refill your account with a 100% sum insured.

·  Domiciliary hospitalization cover:

Patients can take treatment at their residence if they are physically challenged or medically unable to move. This insurance company will cover the medical expenses of the treatment taken at your home.

Types of the plan provided by Aditya Birla Health Insurance company

Aditya Birla Health Insurance company is providing the best health insurance policy in India. From an individual plan to a family floater plan, we have all the range of policies. Apart from this, you can also customize these plans according to your budget and requirements:

·   Individual Plans:

If you are still a bachelor then you can take an individual plan for yourself. This has a low premium as compared to other plans provided by this company. A person can pay his all hospital expenses by purchasing this individual health plan.

·  Family Floater Plans:

If you want to take an insurance policy for more than 2 persons, then family floater plans are perfect for you. You can include your parents, spouse, and kids in this policy. This type of plan has a high premium as the insurance provider is providing a high sum insured. Also, purchasing a family floater plan of people will cost you less than purchasing individual plans.

·  Critical Illness cover Plans:

If anybody in your family gets diagnosed with any critical disease then you can think of a critical illness cover. This insurance cover will pay the entire expenses of the treatment after the waiting period.

·  Long Term Plans:

If you don’t want to take the hassle of renewing your policy or forgot to renew it then go for this policy. Users will also get attractive discounts on purchasing long term plans.

Apart from this, recently Aditya Birla Health Insurance company has announced a special plan for COVID treatment. In this policy, you can take cashless treatment after serving the waiting period of 30 days.

What are the Permanent exclusions in Aditya Birla Health Insurance policy?

  • This policy will not cover any treatment if suicidal attempts. Apart from this, they will also not cover your medication of intake of any intoxicants or hallucinogenic substances.
  • An insurance policy will not cover cosmetic surgery, contact lenses fixing, and aesthetic treatment.
  • Any surgery or treatment for hearing aids and spectacles is not included in the policy.
  • Aditya Birla Health Insurance policy will not cover the treatment of mental illness or psychological disorder.

Which one is better comprehensive car insurance or a third party car insurance?

comprehensive car insurance or a third party car insurance

It is very difficult for every car owner to choose an insurance policy that provides protection from all losses. There is a lot of risk to a car, especially when we talk about a new car. There are multiple insurance policies available in the market. But purchasing the best policy will depend on the capability and requirement of the owner. You can either choose a comprehensive car insurance policy or third-party car insurance policy. There is a range of differences between comprehensive and third-party insurance.

A comprehensive car insurance policy completely justifies its name by providing complete coverage from all types of losses. Whereas third-party car insurance will only cover the losses caused to the third party property. We can also say that if your car is damaged in an accident then a third party insurance policy will not bear your car repairing expenses. Additionally, if the provider examiner found you not guilty for the accident then they will only provide a certain percentage of the total sum insured. If you choose to buy car insurance online you will find that third party coverage is just a part of the complete insurance plan. And you cannot purchase it individually.

Benefits of comprehensive car insurance Vs Third-party car insurance 

Both insurance policies have different types of benefits. They do not relate to each other. If you think of covering natural damage with third party policy then this will not be possible. But a comprehensive car insurance policy will cover your third party losses along with the physical damages. So, if you are thinking of a car insurance renewal then make sure to choose for the comprehensive plan rather than a third party cover.

  • Benefits of a comprehensive car insurance plan:

    Nobody can’t imagine the financial losses caused by accidents. So, people purchase a comprehensive car insurance policy to be on the safer side. A comprehensive plan will protect your vehicle for the below list of incidents.

  • Natural or manmade damages:

    A comprehensive car insurance policy will cover the vandalism caused due to natural or manmade incidents. If your car gets damaged in a hailstorm, earthquake, flood, cyclone, terrorist attack, etc then the insurance provider will cover the damages.

  • Fire and explosions:

    Damage caused due to Fire incidents, falling objects, missiles, etc. will be covered in the policy.

  • Protection from Theft:

    If the car has been stolen then a comprehensive car insurance policy is always there to protect your car.

  • Doorstep pickup and repairing:

    In a comprehensive car insurance policy your car will be picked up from your home and again drip bank to home after repairing:

  • Cashless repairing service:

    You can repair your car at any network garage without paying a single penny.

  • Instant claim settlement:

    You can take instant claims in a comprehensive car insurance policy.

  • Third-party liability losses:

    Apart from this, a comprehensive car insurance policy will also cover your third-party liability damages. Like a person getting severely injured in an accident or getting permanently disabled then the comprehensive car insurance will pay off the medical expenses.

  • Benefits of a third party car insurance plan:

A third party car insurance policy will only protect you from legal liability. Like the damages caused to the property of any other person are covered. If a person died in an accident involving your vehicle then the insurance company will not provide any type of help. Moreover, not any type of physical damage caused to your vehicle will be covered in the policy.

Difference between Third Party Insurance and Comprehensive Insurance

  • A Third Party Car Insurance policy is the basic plan that provides protection from legal responsibilities. Whereas a comprehensive car insurance plan will cover all the possible damages caused to the car.
  • A comprehensive car insurance policy will cover your third party liability, but your third party car insurance policy will not provide comprehensive protection.
  • A Third Party Car Insurance policy has a low premium as compared to a comprehensive car insurance policy.
  • Generally, most people opt for a third party insurance plan in fear of traffic rules. Yes, it is mandatory to have a third party liability coverage as per the Motor Vehicles Act, 1988.
  • A Third Party Car Insurance policy only includes personal accidental cover for your protection. Whereas a comprehensive plan is entirely about your vehicle and your personal protection.
  • A Third Party Car Insurance policy will pay for the damages of another person’s car. But the comprehensive policy will cover your own car along with the other person’s vehicle.

Conclusion:

After knowing the difference between comprehensive and third-party insurance policy, we came to the conclusion that a comprehensive policy is best for your car. You can purchase car insurance online to get an attractive discount on the premium. Additionally, you can also get car insurance quotes from various companies on a single website.

We can also say purchasing a comprehensive car insurance policy tends to be a smarter choice. There is not just a single reason but a list of benefits is provided under a single plan. Otherwise, if you take a third party, then you have to purchase additional coverage for your own car because it will not cover that. Also purchasing multiple plans is totally a silly choice if you are already getting all the benefits in a solo plan.

Apart from this, if you have already purchased a third party car insurance policy for your car then you can switch it at the time of renewal. You will find a number of online car insurance to renew your insurance policy. Of course, you have to pay a higher premium for that. But you can completely believe that it will surely prove to be a comfort in the future.

How To Calculate Premium with Bike Insurance Calculator?

How To Calculate Premium with Bike Insurance Calculator?

We all have surely heard about the Bike Insurance Calculator but exactly don’t know much about it. if you have purchased a new bike and decide to purchase an insurance plan then your neighbor would have surely suggested you check the premium on the Bike Insurance Calculator.   Also, if you have ever checked any bike insurance online, then you will get to see a flash message on the screen of the Bike Insurance Calculator.

A Bike Insurance Calculator is basically a software that will calculate the premium of your vehicle depending on the age, model, and variant. This software will give you the exact calculation of the premium according to the coverage you opt for your bike.

You have to enter the details of your bike and some information on the software to calculate the exact premium. Buyers can also compare the prices of multiple two-wheeler insurance companies. Moreover, if you want to renew your insurance plan then you can also enter your no claim bonus duration to get a discount.

The process to calculate the two-wheeler insurance premium:

If you are going to purchase a bike insurance policy for the first time then make sure to calculate online premiums. You can follow the below steps to calculate bike insurance premium:

  • Enter the model number, variant, and registration number of your vehicle.
  • Confirm the location of the RTO where you have registered your vehicle.
  • Choose whether you want to purchase a new plan or want to renew your policy. Also, choose if you want to opt or eliminate any coverage from the policy.
  • Click on the ‘Get Quotes’ to see the premium of all leading two-wheeler insurance companies.

Key features of some famous bike insurance companies:

There are more than 25 two-wheeler insurance companies that are currently active in India. Each insurance company has their unique clauses and features depending on their customer base. Some of them provide attractive discounts while others have a good settlement ratio. Also, each and every company has their own criteria to calculate the annual premium of the bike. Here we are providing the Key features of the best two-wheeler insurance companies.

National Two-Wheeler Insurance:

This company is better known for its uninterrupted long term plans.

  • Customers can purchase comprehensive insurance policies from this insurance company for optimum coverage.
  • You can purchase an insurance policy for more than 5 years for your bike.
  • Buyers can avail up to 7.5 lakh of Third-party liability coverage. The insurance policy will cover the death, disability or injuries caused to third-parties
  • The loss caused due to theft is covered in the policy.
  • It has incurred a claim settlement ratio of 79.68%.
Reliance Two-Wheeler Insurance:

The Reliance insurance company is doing well in the insurance sector since its inception. It is one of the leading insurance providers companies.

  • The reliance insurance company has an incurred claim settlement ratio of 81.47%.
  • It provides cashless claim settlement at network garages.
  • The customer will claim a daily allowance of Rs. 5,000 in case their vehicle is not repaired within 3 days.
  • Customers can purchase a maximum three-year plan for their bike.
  • The company provides a personal accident cover of 15 lakhs.
  • You can opt for depreciation coverage at comparatively low prices.
Bharti AXA Two-Wheeler Insurance:

This insurance company provides comprehensive coverage for all types of losses. It holds an incurred claim settlement ratio of 81.74%.

  • The policy can cover all the natural as well as manmade disasters.
  • It provides additional personal accidental and third-party liability coverages up to 1 lakh.
  • Buyers can purchase additional depreciation coverage along with the basic policy.
  • The premium of third party coverage depends on the capacity of the engine and varies from Rs. 482 to Rs. 13,034.
  • You can also avail of no claim bonus for not making any claim.
HDFC Ergo Two-Wheeler Insurance:

This insurance company provides multiple coverage options.

  • You can take either a comprehensive, third party or long term plan as per your requirement.
  • Customers will get default depreciation coverage along with long term and liability plans.
  • Policyholders can make unlimited claims in comprehensive policy taken from HDFC ergo bike insurance company.
  • This company will cover third party losses of up to Rs. 7.5 lakhs.
Shriram Two-Wheeler Insurance:

Customers can purchase or renew two wheeler insurance online from the Shriram insurance company.

  • This company will cover all the damages and losses caused by accidents, disasters, and terrorist acts.
  • You can get third-party liability coverage of up to 1 lakh.
  • This insurance company has a good record of claim settlement.
  • You can take a personal accident cover of up to 2 lakhs.
  • This company is also known for its 247 claim settle service.
Royal Sundaram Two-Wheeler Insurance:

This company provides a wide personal accidental coverage for valued customers.

  • Customers can take a maximum of a 3-year plan from Royal Sundaram Two-Wheeler Insurance company.
  • If you shift your existing policy to this company then the no claim bonus will be transferred automatically.
  • Customers can contact the toll-free number of the company to register a claim.
  • Buyers can take no claim bonus benefit even after making a maximum one claim in a year.
  • The bike rider will get coverage of 1 lakh in case of an accident.
SBI Two-Wheeler Insurance:

Customers will get mandatory third-party liability coverage on purchasing a bike insurance plan from SBI 2 Wheeler Insurance company.

  • Customers can avail no claim bonus of up to 50 %.
  • The SBI Two-Wheeler Insurance policies will not cover normal wear and tear damages.
  • Customers can also opt for Personal accident covers of up to Rs. 1 lakh for the co-driver.
The need for a Bike Insurance Calculator:

There is more than 25 bike insurance companies working in India. So, it becomes very difficult to visit each and every website and remember their premiums. So, the Bike Insurance Calculator is a third party website that shows you the quotes of all insurance companies. It has a tie-up with all the leading insurance providers.

Why should you choose the HDFC ERGO Two Wheeler Insurance policy?

HDFC ERGO Two Wheeler Insurance policy

Everyone knows that there are more than 25 two-wheeler insurance companies recently working in India. So, it becomes very difficult for customers to choose a single policy that covers all the damages. Also, each of them has a unique facility that others should lack. Some of them provide high coverage, whether the others provide policy at low premiums. But only HDFC ERGO Two Wheeler Insurance company is the one that provides complete coverage at a low premium. It safeguards your bike against accidents, theft, malicious damage, and natural calamities.

Formal Introduction Of Insurance Company

HDFC ERGO Two Wheeler Insurance company has more than 1 crore satisfied customers over the globe. Not only in India this company is also cherished in foreign countries for its excellent services. This company has more than 6,800+ network garages spread over the country that provide cashless repairing service. HDFC ERGO is the best two-wheeler insurance company with a 94% claim settlement ratio. If you want to purchase Online vehicle insurance for your bike then this company will take care of all damages. As per the motor vehicle act, it is compulsory to have a third party coverage to reimburse the social property damage. Hence, this insurance policy will also aid you with a fine waiver apart from repairing expenses.

You can’t even imagine bearing the unforeseen high expenses without a two-wheeler insurance plan. Below is the main feature of the HDFC plan that will surely convenience you to purchase one for your bike.

  • No hassle of carrying hard copies.
  • Get up to 70% discount on premiums.
  • If you will not make a claim for consecutive 5 years then the company will reward you with a No Claim Bonus of up to 50%.
  • Round the clock assistance service to solve the queries of customers.
  • Get instant approval of claim settlement within 24 hours of an incident.
  • Transparent policies and easy claiming procedure.

What are the key factors that can affect your HDFC ERGO Two Wheeler Insurance premium?

Bike insurance policies are very easy to buy. You can either contact an agent or purchase it from an Online two-wheeler insurance website. But purchasing a whatever policy will not provide you sufficient coverage. Whereas if you want to take complete coverage from all damages then your pocket will get empty. So, it is very important to know about the factors that can affect your insurance premium.

  • Age of Bike (Year of purchasing the bike):

The value of every asset decreases with time and so does with your bike. Your bike insurance premium is inversely proportional to the age of the bike. If you have purchased a new bike then it has more market value then the old one. Also, the repair of a new bike needs more funds than the old one. It concludes that the premium of a new bike is higher than an old used bike.

  • Model and variant:

The year of manufacture, place of registration, engine capacity, the model of bike, and fuel variant are the important factors to decide your bike insurance premium. If you are going to purchase vehicle insurance online, then also you have to enter these details. The website will show you the premium as per the provided information.

  • Installation of security systems:

Installing a security device on your bike will reduce the effort of the insurance company in case your bike gets stolen. Resulting in which they will provide you with an extra discount on the premium. So, if you install a verified tracking device on your vehicle then the company will reduce your premium.

  • Choice of coverage:

HDFC ERGO Two Wheeler Insurance company provides a range of coverage options for their customers. It is important to specify your needs while purchasing an insurance policy. If you opt for unbeneficial coverage then it will unwantedly increase your premium. Moreover, you can also choose for long term plans as per your budget. This will give you an additional discount on the premium rates.

Incidence covered in an HDFC ERGO Two Wheeler Insurance policy:

It is not necessary that every company will consider all your losses. Any misconceptions regarding the policy will cause you a huge loss while claiming. Experts always suggest checking the policy clauses before purchasing the insurance policy. You will get the following coverage in HDFC ERGO Two Wheeler Insurance policy:

  • Accidents:

Accidents are always unpredictable and it causes heavy damage to both the rider and the bike. A company not covering the accidental damages will be simply of no use. But with HDFC ERGO Two Wheeler Insurance company, you can take cashless claims in case of volatile accidents.

  • Theft:

It is not less than a nightmare when you get to listen that your bike got stolen. So, this company will not let your nightmare come true and provide coverage from theft.

  • Disaster:

There are multiple types of disasters that can hit your location. Sometimes they are natural while other times they are caused due to manmade activities. HDFC ERGO will reduce your stress and cover all types of natural as well as man-made disasters in the policy. So, the damages caused due to floods, riots, earthquakes, cyclones, terror attract are included in the policy.

  • Explosion and fire coverage:

Now don’t get panic if your garage is in the fire. Our insurance policy will reimburse the losses caused to your bike. All you need to inform the insurance company and we will take care after the damages.

  • Personal accidental protection:

It is not less than a blessing to have a personal accidental cover in your bike insurance policy. Not all insurance companies provide personal accidental coverage but you will get a default coverage of 15 lakhs with HDFC ergo.

  • Third-party liability:

               Third-party liability coverage will cover third party losses and medical expenses. If someone gets injured in an accident with your bike then this will provide the medical expenses of that person. not only the hospital bills, it will also provide financial help in case of demise and permanent/temporary disability.

Do insurers cover the COVID-19 claims?

Do Insurers Cover The COVID-19 Claims?

The outbreak of COVID 19 coronavirus, which started at the end of last year in China, has become a global epidemic. Although it seems to be slowing down in China now, the spread of the disease is accelerating elsewhere. The World Health Organization recently described Europe as its current “epicenter”. Governments are increasingly dramatic, closing borders, introducing barriers and travel restrictions, closing schools and universities, and banning mass gatherings such as sports events.

It is not known how the crisis will develop from here. In addition to the tragic number of people, this has a significant economic impact on the global supply chain. This causes significant fluctuations and some major stock market crashes. The ECB has expanded its quantitative expansion program to provide more liquidity, and the Fed was able to follow the case after declaring a “national emergency” with the United States and many other countries.

A crisis like Covid-19 affects all business areas but focuses on insurers in many different areas. To respond to this call center activity flow with a constantly changing workforce that insurance companies want to address.

Effects of COVID-19 on insurance business continuity

The COVID 19 outbreak affected many sectors, such as travel and transportation, energy, manufacturing, retail, and hospitality. Although its impact on the insurance industry is less severe, and it will continue to be important and extremely destructive. This ranges from employee and business continuity questions to customer service issues and operating profit. The immediate concern of insurers is employee protection, health and safety of sales partners and business continuity

Insurance companies have lost about 48% of their market value since the beginning of the crisis. Life and health insurance companies are particularly impacted, with an average decline of 58%. The cost of COVID-19 testing and treatment will likely be based on the profits of Indian health insurers. Some people believe that insurance companies are negatively affected by it, which will result in lower returns in the future:

A) Premium and wage income:

The life and income company will be affected by premium income in the short term, but it will recover in the long term. However, longer seismic impacts on short-term real estate and victims, new business premiums will continue in the long term.

B) Investment income:

Investment income will be significantly affected in the coming months due to the volatility in the financial markets and the expectation that interest rates will remain at a record level for the foreseeable future.

C) Requirements:

Life and disability insurance requirements are expected to increase. Health officials estimate that the number of deaths attributed to COVID-19 in India can only be between 200,000 and 1.2 million.

We recommend that insurance companies be proactive, model the effects of COVID-19 Claims, and then determine the best mitigation strategy. Other business functions should be reduced or stopped to focus on priority activities. Businesses should consider sectors such as customer experience, capital impact, etc to determine which business services should be prioritized.

Some common views on COVID-19 by the insurance industry

COVID-19 affects the insurance industry in a variety of ways, ranging from employee and business continuity issues to customer service issues and financial expectations. Some important problems and possible transactions faced by the insurers are as follows.

Insurers reacted to the outbreak of COVID 19 as a taxpayer, employer, and capital manager on various fronts. Each of them has its challenges not only for the insurance industry but also for the economy and society as a whole.

However, the most urgent concern of insurance companies is to ensure business continuity while ensuring the health and safety of intermediaries and intermediaries/dealers. Like the commercial policyholders they serve, insurance companies are encouraged to review and update their crisis management plans and take action to minimize disruptions to customers at the workplace.

If not done before, insurers should consider establishing cross-functional emergency decision-making teams to coordinate the company’s response, create new security protocols, and move faster when conditions change. A comprehensive communication system should also be available. Inform employees, dealers, and customers about the status of business continuity plans and personal safety instructions.

Numerous personal guidelines RAS guidelines. While accessing remote protocols, chief information officers, chief technology officers, and CISOs, third parties can access the following technology features:

1) Laptop or desktop computer, front access devices for authorized companies.

2) A virtual private network for secure and remote connection to business relationships.

3) Tools to collaborate on audio, video, and screen sharing.

4) Disabled employees and a remote IT support team working with employees.

Insurance companies should take care to protect themselves, lose their hearing, and take measures to regulate demand. This can be problematic when COVID turns 19. Is it important that a personal expert on the business or property is damaged and that the policyholder’s family is a COVID-19 member or an employee who interacts with the expert?

  • Agency/broker interests:

COVID-19 can also offer insurance services for an insurance company. H. Partners, brokers, and financial advisors have the same risk management and logistics contracts as those handled by their carriers because they have to work from their home. Personal meetings with customers and customer contacts should be responsible until the risk of exposure arises.

  • Impact on Insurer’s rights:

Insurers also talked about CODID 19 rights and visible rights. Security costs related to business classes and insurance formulations prepared by the insurance company. However, in general, the economic environment of the epidemic is concerned about how it can affect insurance companies’ growth and profitability expectations in their insurance and investment portfolios.

Financially, insurance companies also need to adjust their budgets and implementation plans, cash flow expectations, and investment portfolios in light of the latest developments. Possible tax implications for contingent liabilities discussed above should also be considered. For tax changes in India and worldwide, tax planning may need to be assessed during the current economic turmoil. Some of the tax items to consider include but are not limited to, changes in the India national and international regime, as well as other global tax developments.

In this case, insurance companies are expected to act as shock absorbers for companies and society. Financially, the industry is preparing for major loss events such as COVID-19 and should be well activated for various loss events. Insurers are also assisted in reinsuring most of their accounts. This is one of the ways the industry can spread risk.

How to apply for a Driving License Online?

Driving License Online

People of all ages like to ride a bike or car. They prefer to be independent and travel from one point to another without being dependent on others. Although taxis and public transportation have improved a lot in the past decade, people prefer to drive alone. Learning to drive is the first step. However, if you want to drive on the go, applying for a Driving License Online is the most important step. 

If you have always refused to apply to the Regional Transportation Office (RTO) because it wasting time, or if you are unsure how to apply for a Driver’s License in your city, read on. Driving license online apply can be done very easily. You don’t have to wait long to submit your Driving License application.

Procedure to submit your Online driving license application

Yes, you can apply for an Online Driving license. All you have to do is visit the Ministry of Road and Highway Sarathi website and follow the steps below to Submit the Driving license online form.

  1. Visit the Sarathi website of the Ministry of Highways and Highways.
  2. Open Driver’s License option.
  3. Choose Apply Online.
  4. Click on New Driver License.
  5. Select Next.
  6. As soon as you click the “Next” button, you will be asked if you have a student License, a foreign Driving License, or a defense License.
  7. Depending on your choice above, the student’s License number / foreign Driving License number/defense License number will be required.
  8. Enter your date of birth in DDMMYYYY format.
  9. After entering the requested information, please click “OK”.
  10. In this form, you will be asked to enter your data such as name, age, and address.
  11. If you click on all the details, you will be prompted to upload all required documents such as an address, age, and ID.
  12. Upload your photo and signature.
  13. After loading all the documents, select the date and time for your Driving License test.
  14. As soon as you pay for the delivery of the driver’s license application form, your application will successfully send to RTO.
  15. Be sure to arrive a few minutes ago and take the exam on the day of the appointment.
  16. The department must be signed by the parent/legal guardian before the licensing officer.
  17. After filling the form and submit the form online by clicking the “Submit” button at the bottom of the form.
  18. When an automatically generated web application number is sent, it is displayed on the screen. Make a note of the number so you can refer to it later.

How To renew a driving license online?

There are two basic ways to renew your driver’s License. In either case, you need to prepare some of the necessary documents and prepare to pay the renewal fees. But we are focusing here on Driving license renewal online only. 

Applying for an online License extension saves a lot of time. The government made it possible to use many traffic-related services online and to reduce visits to the Regional Transport Office (RTO).

  1. To renew your driver’s License online, visit the official Sarthi website.
  2. Select your state.
  3. Click Apply Online> Driver Related Services.
  4. You will be directed to Driving license online form
  5. Follow the instructions to upload the documents. 
  6. Fill and upload correctly. 
  7. After completing the online transaction, you will receive your renewed driver’s license by mail. 

How To check driving license details online?

You have applied for a License but do not know its status? It may take some time to process your Online driving license application. So you have to wait for a copy of your Driving License. Instead of waiting for Driving License  ​​to arrive by post, you can look online at it on the official Sarathi Website.

Steps to check the status of your License application

After completing your permanent Driving License test, you may need to check the status of your Driving License online while submitting an international Driving License application, a recurring Driving License application, or your Driving License renewal application. The steps to check the status of your driving license is as follows:

  1. Visit the Parivahan.gov website to continue the checking process.
  2. On the main page, you will be prompted to choose the status in which you receive the Driving License service. Please select the country in question and continue.
  3. After choosing the status, your page will switch to the home page where you will find several options.
  4. In Driver’s License option, look for Apply Online.
  5. View Application Status by clicking the option.
  6. As soon as you select “Application status” you will enter the application number and date of birth and click “Submit”.
  7. Your Driver’s License status will update.

How To Download Driving License Online?

This section describes the download process for Driving License Online (temporary driver License) (LL). If your student’s printed copy misplaces or damages, it is important to make another copy as soon as possible. If something like this happened to you, don’t worry. You will learn how to download the online License to duplicate a copy of the work in a few minutes. Let’s start.

Here are the steps you need to take to get an online copy of the student License:

  1. First, visit the official Parivahan website
  2. Go to “Licensing Services”.
  3. Choose your status and RTO name
  4. A new page opens after selection
  5. In the “Driver’s License” section, use the Print option.
  6. Another page opens and now, enter “application number” and “date of birth”.
  7. Click the Submit button after entering these details
  8. Details such as applicant name, the application number, and License number now display.
  9. Download the copy of the learning License software (PDF) online from the Double Front Driver’s License (LL) document.

The “Print” option will appear at the end. Click “Print”. Click the “Download” button to download the file to your smartphone or computer.