finance

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health insurance comparison india
Which is the best Medical/health insurance available in india?

please give me the comparison or the link where it posted

Bajaj Allianz is best in settling claim and cahless also,if one wants a savings + health both, then Reliance Wealth and health plan is also a good option, Ist.is only expenses ,in 2nd. u save too and get med. protectiom.

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How to lower my car insurance, young driver.?

I am 18 going 19 this year, and i want to know how i can possibly make my insurance cheaper, legally.
I took my pass plus which is meant to cut the price down by a bit, but I’ve found most internet comparison websites don’t ask if you have achieved pass plus, so would it be ideal to get a quote online THEN ring up and try knock the price down?
Also what else can i do to cut the cost down, legally?

The following are legal ways to reduce the premium. However some are counter-productive i.e. they may cost more than you save.

1) Buy an old low group car (you can get an idea of insurance groups from Parker’s guide) e.g. a Renault Clio, old-type mini/ fiat panda/ ford fiesta.

2) Third party, fire & theft is probably the cheapest cover.

3) Consider a ‘birthday’ policy – some insurers will give a 6 or 8 month policy and then give a discount at renewal – this can be useful if your birthday is reasonably soon. You will have to stay with them at renewal because you won’t have any valid no claims bonus but the year after you will probably be given a 2-year bonus.

4) With TPFT you probably can’t increase the excess – you may be able to with some insurers.

5) You can improve the car security by installing a Thatcham I alarm/ immobiliser or a tracker – but these cost quite a bit of money.

6) It may be cheaper if you add a parent onto the policy – providing they have had no claims or convictions – always worth looking into.

7) Garage the vehicle at night and declare the fact to the insurance company

8) Declare you will only use the car for a few miles a year – if you do this you should stick to it so try and make an honest effort to be accurate.

9) There may still be a ‘pay as you drive’ scheme around. If you do join one make sure you drive during the day – late-night driving is expensive.

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confused about car insurance…stacked, unstacked??

i am looking up car insurance quotes online and for Uninsured Motorists Bodily Injury Option there is a “stacked” option and a “unstacked” option.

Does anyone know what this means? What the diff is? This is for PA

If you select “stacking” and there are two or more vehicles in your household, you can potentially collect from both policies, yours and the other household member. I believe that PA allows both inter and intra policy stacking.

For example, you are seriously injured in a car accident and the value of your case exceeds $200,000. However, the driver who caused the accident is uninsured.

You have two cars covered on your own car insurance policy. You have chosen to carry Uninsured Motorist coverage of $100,000 per person for each car, and you have elected to stack your coverage. You now have $200,000 of Uninsured Motorist coverage available to you. A houshold member also has $100,000 in coverage, now you have $300,000 available to you.

However, if you do not elect to stack your Uninsured Motorist coverage, the most you can recover is your policy limit of $100,000.

I suggest you consider Underinsured Motorist coverage with the same stacking option.

Consider going to a local agent. An agent will be able to explain your options in better detail.