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What is IGMS??

By Lokesh | 1 days ago

Integrated Grievance Management System (IGMS) has been created by IRDA to register complaints on your insurance policies online.You can register your complaint by first creating an ID and then filling in details such as policy number,name of the insurer and the details of your complaint..If you want to learn more about life insurance please look up the website IndianMoney.com. This is Indias only free on call money adviser.

Answer by Research Team - IndianMoney.com | 1 days ago

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Once I make a will can I change it??

By Ravi | 2 days ago

You can change your will using an addition known as a codicil any number of times. A Codicil is an addition to a will. It is a document which states which items of the will you are changing/altering and is a part of the will. By means of a codicil, you may cancel the entire earlier will or you can alter only those parts of the will you want to change.. If you want to learn more about estate planning please look up the website IndianMoney.com. This is Indias only free on call money adviser.

Answer by Research Team - IndianMoney.com | 2 days ago

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What is IRDA??

By Uday K | 4 days ago

IRDA (insurance regulatory and development authority) is the insurance regulator and regulates the insurance sector in India. It protects your interests (policyholders) and looks into issues regarding settlement of your claim as well as surrender value of your policy. If you are subject to mis-selling by insurance agents or the Insurance Companies do not listen to your grievances then IRDA comes into play.If you want to learn more about life insurance please look up the website IndianMoney.com. This is Indias only free on call money adviser.

Answer by Research Team - IndianMoney.com | 4 days ago

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Will I get a free medical check up with my health insurance policy??

By Chiraag K | 6 days ago

If you have paid your health insurance premium continuously for 4 years and you have made no claims in this period then you are given a free medical checkup (Generally the average of 1% of sum assured of the health insurance policy over the 4 year period) . Some insurers offer a medical check up each year. You are reimbursed the amounts by the insurer after the medical tests subject to the specified limit .If the tests are conducted at designated medical centers of the insurer then you dont have to pay anything. If you want to learn more about life insurance please look up the website IndianMoney.com. This is Indias only free on call money adviser.

Answer by Research Team - IndianMoney.com | 6 days ago

InInsurance | More Answers (1) | Answer This Question | 87 views

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What happens to the tax benefits on my home loan if my under construction flat is not handed to me by the builder on time??

By Harish | 7 days ago

Under Section 24 (b) you get a tax deduction of INR 2 Lakhs on the EMI (interest component) you pay on your home loan for your self occupied apartment or flat. If the builder doesn’t give you possession of your flat within 3 years from the financial year you have borrowed (availed the home loan) you will get an exemption of only INR 30000 on the interest you pay on your home loan and not INR 2 Lakhs. .If you want to learn more about Tax planning please look up the website IndianMoney.com. This is Indias only free on call money adviser.

Answer by Research Team - IndianMoney.com | 7 days ago

InFinancial Planning | More Answers (1) | Answer This Question | 109 views

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What is a basic services demat account??

By Bharath | 9 days ago

A basic services demat account provides you limited number of services at a reduced cost whereby you don\'t have to pay for services you might not need and use.If your portfolio value is just INR 50000 or lesser no annual maintenance fees are charged on this account.If your portfolio holdings are between INR 50000-INR 200000 an annual maintenance fee of INR 100 is charged. Once your portfolio value crosses INR 2 Lakhs you are charged an annual maintenance fee same as a normal demat account which might be INR 400-500. If you want to learn more about investment planning please look up the website IndianMoney.com. This is Indias only free on call money adviser.

Answer by Research Team - IndianMoney.com | 9 days ago

InFinancial Planning | More Answers (1) | Answer This Question | 124 views

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What is meant by grace period in a life insurance policy ??

By Jeevan | 9 days ago

If the insurance policy is not renewed in time, certain numbers of days are given to the policyholder to revive the policy.This is generally a period of 15-30 days. In the grace period the insurance policy is still active.If you do not pay the life insurance premium within the grace period given your insurance policy lapses..If you want to learn more about life insurance please look up the website IndianMoney.com. This is Indias only free on call money adviser.

Answer by Research Team - IndianMoney.com | 9 days ago

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What is meant by Co payment in a health insurance policy??

By AshwiniS | 12 days ago

The probability of an elderly person falling sick is high and in spite of the higher premiums the insurances Companies charge they still are reluctant to insure the elderly as they are a high risk pool.(Chances of them falling ill are high). If you are a senior citizen the insurance Company will insure you only if you bear part of the medical expense. This is a fixed predetermined percentage. You may have to bear 10% of the medical expense incurred and the insurance Company will bear the remaining amount. If you incur a medical expense of INR 50000 and the copayment percentage set is 10% then You pay INR 5000 (10% of INR 50000) and the insurance Company pays the remaining amount which is INR 45000. This is a win win situation for both the senior citizen and the Insurance Company.If you want to learn more about health insurance please look up the website IndianMoney.com. This is India\\\'s only free on call money adviser.

Answer by Research Team - IndianMoney.com | 12 days ago

InInsurance | More Answers (1) | Answer This Question | 124 views

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What is Section 80 C of the income tax act??

By Dikshith S | 14 days ago

If you invest in certain financial instruments such as a PPF,ELSS,premiums paid on a life insurance policy,5 year tax saving fixed deposit and certain other specified tax saving instruments a maximum amount of INR 1.5 Lakhs is available for a deduction under Section 80 C of the income tax act before the tax you have to pay is computed.Previously this used to be only a Lakh..If you want to learn more about Tax planning please look up the website IndianMoney.com. This is Indias only free on call money adviser.

Answer by Research Team - IndianMoney.com | 14 days ago

InFinancial Planning | More Answers (1) | Answer This Question | 128 views

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What is meant by top up in a health insurance policy??

By Dinesh | 16 days ago

A top up policy is a health insurance policy which comes into effect only once a certain threshold limit is breached.This threshold limit is called a deductible.If you take a top up policy of INR 6 Lakhs with a deductible of INR 2 Lakhs then whatever expense comes below INR 2 Lakhs you have to pay from your own pocket.The balance amount is paid by the insurance Company. If you run a hospital bill of INR 6 Lakhs then you have to pay INR 2 Lakhs from your own pocket and the balance 4 Lakhs is paid by the top up policy.You can avoid paying the initial INR 2 Lakhs from your own pocket by taking an individual health plan with a sum assured of INR 2 Lakhs. So why take it ? Since these policies have a deductible (certain threshold limit) which has to be breached the premiums are lesser than an individual health policy which has a sum assured of INR 6 Lakhs. You can take an individual health plan for the amount not covered by the top up policy..If you want to learn more about health insurance please look up the website IndianMoney.com. This is India\'s only free on call money adviser.

Answer by Research Team - IndianMoney.com | 16 days ago

InInsurance | More Answers (1) | Answer This Question | 207 views

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