Thursday, November 27, 2008

Insurance companies

A three-member team of experts, including Pradeep Ghosh of the NGO Oasis Bhopal, Dr T V Ramesh of Insurance brokering firm Alegion in Chennai, and Shyamala, director of Adi (formely Spastic Society of Northern India, has been working on the insurance scheme with the actuaries of insurance companies for the last four months.
Pradeep Ghosh, one of the experts working out details of the insurance scheme with actuaries, said it was likely to be implemented on a pilot basis in one or two districts to begin with and would be spread out to the rest of the country in phases. Ghosh added that it was a big achievement for the disabled as they had been denied insurance cover by all companies so far.
Ghosh himself an Ashoka social entrepreneur who was formerly with the IT sector said the insurance companies came forward for a Governemnt-supported insurance scheme after disability activists and lawyer Colin Gonsalvez threatened last year to move the court on the denial of insurance cover to disabled.
Poonam Natarajan Chairperson of the National Trust said that the scheme was being processed and she would not be in a position to give details now.
However sources said that the insurance cover would later incorporate products like endowment policies which would provide pensions to the disabled.
The two national agencies on disability would be sending a proposal of demands to the insurance companies and the scheme is likely to be implemented in this financial year, sources said.

Wednesday, November 26, 2008

Key Benefits of PRAVASI SURAKSHA

Key Benefits of PRAVASI SURAKSHA
• Covers Death due to accident, P.T.D (Permanent Total Disability) due to accident, Loss of one eye/one limb due to accident and
Loss of both limbs / one eye and one limb or both eyes.
• If the death of the insured occurs due to accident /illness in a foreign country, the expense incurred for repatriation of the
body to India up to Rs. 50,000/- (including airfare of an accompanying person) OR if the insured is to be brought to India ALIVE
after an accident, airfare for the insured as well as for the accompanying person upto Rs. 50,000/- is payable, provided a
valid claim is admitted under PS & KA Scheme.

Who can enroll for PRAVASI VANITHA SURAKSHA SCHEME

Who can enroll for PRAVASI VANITHA SURAKSHA SCHEME ?
• Any female non-resident Indian working abroad.
• Such female non-resident Indian should already be enrolled for Pravasi Suraksha Scheme I or II OR should be applying
simultaneously for Pravasi Suraksha and Pravasi Vanitha. She also has the option to join the Kudumba Arogya Scheme

Who can enrol for KUDUMBA AROGYA ?

Who can enrol for KUDUMBA AROGYA ?
• Any Non Resident Indian who has already enrolled for the Pravasi Suraksha (PS ) Scheme.
• Spouse, of an NRI who has already enrolled in the PS & KA Scheme. He/she can be resident in India or abroad.
• Children, of an NRI who has already enrolled in the PS & KA Scheme. They can be resident in India or abroad.
• Parents (below 70 years), of an NRI who have already enrolled in the PS & KA Scheme. They can be resident in
India or abroad. Parents cannot enrol in the PS Scheme

Who can enrol for PRAVASI SURAKSHA

AmulyWho can enrol for PRAVASI SURAKSHA ?
• Any Non Resident Indian; and alongwith him/her
• Spouse of the NRI even if he/she is resident in India
• Children of the NRI even if they are resident in India

Thursday, November 13, 2008

VPI

Pet insurance is a system of protecting the lives of the pets, like dogs, cats and puppies. After insuring the pet, the pet insurance companies are responsible to look after the pet in their illness and injuries. VPI (Veterinary Pet Insurance) was introduced in 1982 and providing health insurance for pets. Pet insurance company takes annual physical reports of pets and gives vaccinations. Pet insurance covers the medical problems, accidents, illness and injuries of pets. Pet insurance gives most comprehensive and flexible care, and peace of mind to pets and their owners. Pet insurance is one of the best ways to keep the life of your pets safe. Furthermore, some form of insurance covers the pet insurance up to 1/8 of all pets in the United Kingdom and less then 1% of American pets. Consequently, more and more American owners of pets are buying the pet insurance for their pets as well.

Life insurance is a policy

The whole life insurance is a policy that pays a lump amount on the death or other illness. The level of sum varies between the fixed sums to one that is very needy on the other operating costs. The whole life insurance is an accord that is assured by the individual for whole life and not limited in future for serious illnesses, such as aids and cancer etc. The life insurance has generally many types, like donation, imprecise premium, limited payment, single premium and economic.