People over 45 typically undergo regular health checks. We encourage them to declare complete information while applying for insurance to ensure a smooth claims experience. The product also comes with a short waiting period for pre-existing diseases of two years. Other products that have relaxed check-up requirements include Oriental Insurance's Happy Family Floater policy and Star Health's Red Carpet policy for senior citizens.
However, insurance experts do not recommend them unless alternatives are non-existent. It is always better to opt for medical check-ups as it gives you an update on your health and a reference point for insurers. In the absence of medical tests, disputes could arise at the time of claim settlement, on grounds on misrepresentation or concealment of ailments by policyholders.If the insurer proves concealment of the illness, your claim could get rejected. Such plans usually charge a high premium. Moreover, they comes with restrictions that are stiffer than in regular covers. Besides, while the process of buying a policy without medical underwriting may seem simple, you will still need to spell out a lot of details--simple and quick issuance is not a given.
Best Tax Saver Mutual Funds or ELSS Mutual Funds for 2015
1. BNP Paribas Long Term Equity Fund
2. Axis Tax Saver Fund
3. IDFC Tax Advantage (ELSS) Fund
4. ICICI Prudential Long Term Equity Fund
5. Religare Tax Plan
6. Franklin India TaxShield
7. DSP BlackRock Tax Saver Fund
8. Birla Sun Life Tax Relief 96
9. Reliance Tax Saver (ELSS) Fund
10. HDFC TaxSaver
Invest Rs 1,50,000 and Save Tax under Section 80C. Get Good Returns by Investing in ELSS Mutual Funds Online
Invest in Tax Saver Mutual Funds Online
For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call
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