Health Insurance

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Merry Christmas

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COMMON EXCLUSIONS IN HEALTH INSURANCE POLICY

 It is no secret that health insurance plans do not cover every medical expense. Irrespective of the insurer you buy a policy from, all health insurance plans have notable exclusions which you as a policyholder or buyer should be aware of. A careful scrutiny of such exclusions will save you from a nasty surprise later on. 

Read more at https://starhealthdevarajan.com/news/1725

WHAT IS THE RIGHT AGE TO PURCHASE A HEALTH INSURANCE POLICY?

 WHAT IS THE RIGHT AGE TO PURCHASE A HEALTH INSURANCE POLICY?

While young people are more healthy compared to the older people and have lower risks of getting ill, among other benefits of taking a health insurance policy at a younger age, their participation also helps in reducing the health insurance premium and make it more affordable for everyone. Read more at https://starhealthdevarajan.com/news/1726

LIC Whatsapp Services

LIC LAUNCHES WHATSAPP SERVICES KNOW HOW TO GET ALL SERVICES ON YOUR PHONE. WhatsApp as a medium of communication is growing at a rapid pace. Not just personal communication, WhatsApp is increasingly used as an official channel in many companies, and the government is slowly entering the communication space to provide services more efficiently. Read more at https://starhealthdevarajan.com/news/1723
 

Top Up Health Insurance

 SHOULD I OPT FOR HEALTH TOP-UPS IN MY 40S? As you move ahead in your 40s, this proverb becomes more realistic. In your 40s, you are more susceptible to the possibility of critical illnesses compared to your 20s and 30s. This increases your medical expenses, and if you haven’t planned for this uncertainty beforehand, it can drain your savings and investments. Thus, you not only require health insurance but adequate health insurance coverage Read more at https://starhealthdevarajan.com/news/1718

NCB in Health Insurance

NO-CLAIM BONUS: IMPORTANCE OF NCB IN HEALTH INSURANCE.Among the most beneficial features of health insurance is the no-claim bonus. In today’s day and age, no-claim bonus has emerged as a prime highlight that policyholders receive with their health insurance plans. Read more at https://starhealthdevarajan.com/news/1719
 

POlicies and Tax

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INCOME TAX: HERE'S HOW LIFE INSURANCE POLICIES ARE TAXED IN INDIA

As per Section 10(10D) of the Income Tax Act, 1961, death benefits are always tax-free. Maturity benefits, however, are taxed based on the premiums.

The maturity amount from traditional policies is made up of two parts: Read more at https://starhealthdevarajan.com/news/1721

 

Buying Life Insurance

THE COMPLETE CHECKLIST FOR BUYING LIFE INSURANCE IN 2023: When you identify the objective for buying insurance, you will be able to pick the right one suited to your need. Your objectives could range from providing your family adequate financial cover in case of your early death, saving for a specific goal like funding a child’s education or generating income after a certain age (post-retirement). Read more at https://starhealthdevarajan.com/news/1720
 

FIRE/FLOOD INSURANCE

 நம்மில் யாருக்குமே இயற்கை சீற்றங்கள் எப்போது வரும், எப்படி வரும் என்று சொல்ல முடியாது.

திடீர் தீ விபத்து, கன மழை, வெள்ளம், நில நடுக்கம், பூகம்பம், புயல் போன்ற இயற்கை சீற்றங்கள் நம்மை ஒரே நாளில் நிர்கதியாக்கிவிடும்.

நம் வீட்டைச் சேதப்படுத்தி ஒரே நாளில் நம்மை வீடற்றவர்களாக மாற்றக்கூடிய சக்தி படைத்தது. ஆகையால் இதுபோன்ற சமயங்களில் ஏற்படும் இழப்பினை ஓரளவு ஈடுகட்டும் வகையில் ஒவ்வொரு வீட்டு உரிமையாளரும் வீட்டைக் காக்க ஒரு இன்ஷூரன்ஸ் பாலிசி எடுத்துக் கொள்ள வேண்டியது அவசியம்.

வந்த பின்னர் வருந்துவதை விட, முன்கூட்டி திட்டமிட்டு செயல்பட்டால், சேதத்தின் அளவை குறைத்துக் கொள்ளவும், வாழ்வில் தாழ்வுராமல் பாதுகாத்துக் கொள்ளலாம்.

Call us at 98401 77017 Devarajan for taking #fireinsurance #burglaryinsurance #householderspolicy #OfficeInsurance #Factoryinsurance #godowninsurance #shopkeeperspolicy #homeinsurance #houseinsurance

Senior citizen Health Insurance

 SENIOR CITIZENS MUST TAKE NOTE OF WHILE BUYING HEALTH INSURANCE

Elderly investors are afraid to share the correct details of their health conditions. They fear that putting in the right details about their lifestyle habits and pre-existing diseases will prompt the insurer to reject their policy application or charge higher premiums on their policies. Read more at

LIFE INSURANCE: LAPSED POLICY? BEWARE OF HOAX CALLS:

LIFE INSURANCE: LAPSED POLICY? BEWARE OF HOAX CALLS: Frauds related to lapsed life insurance policies are on the rise with spurious calls being made to policyholders to help revive such policies. While insurers are putting in place various measures to handle complaints regarding such spurious calls, individuals must ensure that their life policies remain active and the premiums are paid on time. In case the policy lapses, one must approach the insurer directly to revive the policy after fulfilling all the conditions.

Read more at https://starhealthdevarajan.com/news/1717

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Home/Office Insurance

புயல்,மழை, வெள்ளம், மின்னல்-இடி தாக்கும் நிகழ்வு, தீ விபத்து போன்ற இயற்கை சீற்றங்களால் வீடு மற்றும் வீட்டில் உள்ள பொருட்கள் இன்சூரன்ஸ் காப்பீட்டு திட்டம்

வீட்டு உபயோகப் பொருட்களான TV, ஃப்ரிட்ஜ், வாஷிங் மெஷின், மைக்ரோவேவ் ஓவன், கம்ப்புயூட்டர், ஏசி, லேப்டாப் ஆகியவற்றுக்கு இன்சூரன்ஸ் கிடைக்கிறது.

இதைத் தவிர, பிற வீட்டுப் பொருட்களான ஆடைகள், திரைச்சீலைகள், சேர், டேபிள்கள் மற்றும் தரைவிரிப்பு போன்றவற்றிற்கு கிடைக்கிறது.

மேலும், தங்க நகைகள், பிற நகைகள் மற்றும் விலை உயர்ந்த கற்கள் போன்றவற்றிற்கும் இன்சூரன்ஸ் கிடைக் கிறது.

நாம் எடுக்கும் இன்சூரன்ஸ் தொகைக்கு ஏற்ப பிரீமியம் வசூலிக்கப்படும்.

காப்பீட்டுக்கான ‘பிரிமியம்’ தொகை பெரிய அளவுக்கு இருக்காது. ஒவ்வொருவரும் மிக எளிதாக செலுத்தும் வகையில்தான் இருக்கும்.

காப்பீடு கோரும் தொழில் நிறுவனங்களுக்கு அவை வைத்திருக்கும் பொருள் மற்றும் அவற்றின் சந்தை மதிப்புக்கு ஏற்ப பிரிமியம் நிர்ணயிக்கப் படுகிறது

சென்னை உட்பட தமிழகத்தில் பெய்த கனமழைக்கு பெரும்பாலான வீடுகளில் தண்ணீர் புகுந்துள்ளது. அத்துடன், வீட்டில் இருந்த மின்சாரம், மின்னணு சாதனங்கள் உள்ளிட்ட ஏராளமான பொருட்கள் சேதம் அடைந்துள்ளன. அசையும் சொத்து-அசையா சொத்து இரண்டுமே பாதிக்கப்படுகிறது

இவ்வாறு சேதம் அடைந்த பொருட்களுக்கு க்ளைம் எவ்வாறு பெறலாம் ?

க்ளைம் கேட்க்கும்போது பாலிசி காலாவதி ஆகியிருக்கக் கூடாது.

வீடு மற்றும் வீட்டில் உள்ள பொருட்களுக்கு சேதம் ஏற்பட்ட 24 மணி நேரத்தில் இருந்து அதிகபட்சமாக ஒருவாரத்துக்குள் சம்மந்தப்பட்ட இன்சூரன்ஸ் நிறுவனத்திடம் தெரிவிக்க வேண்டும்.

க்ளைம் கோரும்போது கேட்கும் ஆவணங்களை சரியாக பாலிசிதாரர் சமர்ப்பிக்கும் பட்சத்தில் அதிகபட்சமாக 15 நாட்களுக்குள் அவர்கள் கோரிய இழப்பீட்டுத் தொகையை முழுமையாக பொதுத்துறை இன்சூரன்ஸ் நிறுவனங்கள் (New India, National, United India, Oriental ஆகிய மத்திய அரசு நிறுவனங்கள்) வழங்கி விடும். அதேபோல், வீடு மற்றும் வீட்டில் உள்ள பொருட்கள் ஏதேனும் இயற்கை சீற்றத்தினால் சேதம் அடைந்த பிறகு அவற்றுக்கு பாலிசி எடுத்து க்ளைம் கேட்க்க முடியாது.

Call 9840177017 Devarajan Shanmugam United India Insurance

for taking this FIRE & Allied Insurance, Burglary Insurance for shops/Home,etc.

#fireinsurance #mediclaimagent #starhealthagent

 

Story of the Week. the Purpose of Life

 

Balance

 There was a man who would every day buy apples on his way back from office.

And all through the night he would talk about the lovely apples that he bought.

He believed those apples would make the family healthy and thereby make a huge difference in their lives.

His wife on the other hand bought vegetables and fruits and brought them home in a basket.

One evening when the husband was alone in the house his eyes caught a glimpse of the basket. He walked towards the basket and opened it.

What he saw inside became a life time education.

What he saw was a mix of greens and fruits looking fresh as a daisy.

And amongst the fruits were some luscious apples.

He realized that while he only bought apples everyday, his wife brought home a balanced diet which most importantly included luscious apples.

The man here is like a stock picker who is excited in buying some select stocks while the lady is like the mutual fund buyer.

While you may buy stocks based on your personal analysis and knowledge, when you buy a mutual fund scheme, what you get is a well researched group of stocks which most importantly may also include the stock that you had bought based on your personal analysis.

So instead of getting all excited about picking stocks, just relax and invest in a mutual fund.

In all likelihood, you are likely to be a lot more satisfied.

Devarajan S Mob: 9840177017

Story of the Week. Butterfly

 

Security Guard for Ur Wealth

 Having a security guard does not mean that your home should be burgled every night and that he should be fighting off the burglars every night.

A guard provides us peace of mind.
You are happy to have him standing in front of your house day in and day out despite of theft.
Even if several years pass and there isn't any attempt of theft, we never regret having the security guard outside our house. In fact we will be happy to have him there for years together without any experience of theft.
Likewise, having a Financial Distributor does not mean you need to engage him on a daily basis.
He too is like the security guard. The only difference being the security guard looks after your home while the Financial Distributor looks after your wealth.
His being there gives us peace of mind because we know that while we may be busy with other work, he is looking after our wealth.
He guards us against incorrect investor behaviour that we can show up from time to time
He guards us against making untimely redemptions
He ensures that we invest regularly and stay invested for the long term.
Just being there on our behalf guarding your wealth is a job by itself and needs to be done well.
Devarajan, Insurance Advisor Mob: 9840177017

Flower Garden

 

Story of the Week. giving up Too soon

 

Timing the Market

"Time in the market is more important than timing the market"

Are you still waiting on the sidelines, when

>> Markets are touching new highs everyday

>> Investor confidence is rising

>> There is a stable government at the center & new policy decisions are expected

>> Hope are ripe for improving macro factors

>> Foreign investors are finding India attractive investment destination

What are you waiting for...?

It is time for you to build exposure towards equity. Equity Mutual Fund is an ideal option for many of us in such scenarios as there is a dedicated professional fund manager managing our money, taking buying/selling decisions in fundamentally good companies and ensuring lower risks through diversification.

So, stop worrying about timing the market and start disciplined investing via SIPs in Equity Mutual Fund. In a SIP, the investor regularly invests a sum of money every month into buying units of a mutual fund. Because investment is made in small parts or installments, SIP helps investors avoid the risk of timing the markets and helps create wealth in a disciplined manner.

Benefits of SIP:

* Regular investing makes difference

* Reduces the risk of lump-sum purchases

* Power of compounding

* Benefit of taxation

Ct Devarajan 9840177017

Story of the Week. Song Bird

 

A Beautiful "Vacation"

 A BEAUTIFUL "VACATION" CALLED PERSONAL FINANCE

Have you wondered that our best holidays are always amongst the hills and mountains, rivers and seas, forests and greenery, flowers and animals.

Only a weird person would like to spend his holidays amongst roads, bridges, infrastructure, airports, railway stations etc etc.

It's not that infrastructure is of any lesser value and worth but just the quality of shapes and structure ; glass buildings, etc does not make a holiday that one can cherish.

Good 'Infrastructure' is just a 'means' to an 'end'.

We need good infrastructure like roads, bridges and airports to reach far off erstwhile inaccessible locations to discover the wealth of nature.

The above example is nothing short of a lesson in 'Personal Finance'.

Earning money and wealth creation has little meaning unless we have clear 'Life Goals' such as education, marriage, entrepreneurship,house purchase,retirement etc.

Money for the sake of money is like the cold but useful 'infrastructure' but when money works to meet our goals the entire experience is like a well earned holiday.

Therefore, it is crucial to link our investing to clearly defined goals.

Otherwise, we are wasting an opportunity called 'Life'.

Devarajan S Ph 9840177017

Story of the Week. Dead Mouse

 

Maintenance

 MAINTENANCE

I was in a photography studio talking to the owner who lends out a large room for photo shoots. On the face of it, his business looked easy. Rent out a room and it seemed there was no other cost to battle. But what took me by surprise was what the owner had to say. According to him maintenance was a big cost for keeping things in motion.
While I was travelling by second AC train, I could see that the seat was not locking well when it was raised to act as a back rest. The netted pouch that's meant to hold the mobile phone and wallet etc along side the berth was torn from the sides and was giving way. All didn't look fine because of these glitches. These were not big lapses but little maintenance failures.
Look at 3 star and 4 star hotels. They look spic and span when they are launched but over time they begin to wear a very tired look for lack of adequate maintenance. What separates a 5 star from the others isn't anything gigantic. Just maintenance.
Likewise in personal finance, the wealth when left unattended can actually rot. A good Financial Distributor isn't meant to overhaul the investment from time to time. All that he needs to do is make small changes here and there for the sake of maintenance. It may seem less significant but plain and simple maintenance of the client's wealth is all it takes for the client to reach his or her goals.
Devarajan    9840177017 General & Health Insurance 
Vanaja Krishnamurthy  Ph 98410 04043 Max Life/Terminsurance/Savings Pan /Retirement Planning
Raghu Prasad Ph 95009 81499 Wealth Planning , Mutual funds, Investment

Jeevan Arogya

 

Health Insurance

 

MY dog Can Walk on Water

 

Frog Story

 # FROG STORY #

Put a frog into a vessel filled with water and start heating the water. As the temperature of the water begins to rise, the frog adjust its body temperature accordingly. The frog keeps adjusting its body temperature with the increasing temperature of water. Just when the water is about to reach the boiling point, the frog decides to jump out. The frog tries to jump but it is unable to do so because it has lost all its strength in adjusting with the rising water temperature. Very soon the frog dies. What killed the Frog? Think about it!

I know many of us will say the boiling water. But the truth about what killed the Frog was its own inability to decide when to jump out.

Likewise, in investing too one has to stay invested, have to be patient, etc. but that does not mean one stops monitoring and making course correcting decisions like asset allocation and reallocation based on changing market conditions.

While these decisions may be few and far between, but they have a huge impact on whether we are able to meet our goals or not.

This is where investors need Financial Distributors; for the few and far between decisions that can change the course of their lives.

Devarajan S Ph 9840177017