Investacc Insurance Brokers Pvt Ltd

www.investacc.co.in

Personal

Health Insurance

Welcome to Investacc.

We all want to live longer, healthier, happier lives. Investacc has a range of health covers from different insurance companies designed to help find a healthier you.

Investacc Insurance Brokers is one of the leading insurance service providers dedicated to assist you to have an adequate insurance program for your assets and liabilities.

We are one of the fastest growing broking houses in India providing a one-stop solution for a wide range of services like Best Tailor Made Insurance Solutions, Claims Management, Insurance Audit and Renewal Reviews.

Capitalising on the expertise that we possess, we ensure a flexible and an innovative way of doing business with our clients promising them utmost satisfaction with our services.

We seek to provide the peace of mind for our clients through high quality insurance products, backed with exceptional service of our staff.

Why Investacc?

A partnership providing the expertise you need. The coverage knowledge you want- We provide you with a team of specialists that are able to meet the specific and rapidly changing needs. We ensure that the most comprehensive and cost-effective solutions are always in place. Smarter experts deliver smarter solutions- We work with our strategic partners to ensure a seamless integration of their services for you. Client satisfaction drives our success- We know that our success depends upon how we respond to your inquiries and resolve your questions and concerns. We take pride in our product knowledge, professionalism and courtesy. Tailored solutions are successful solutions- Investacc focuses on de-risking the unknown and unforeseen risks faced by their clients and adding value to all its stakeholders, including clients, employees and regulators.

Investacc follows a sector specific approach by having dedicated teams catering to different sectors.

Why Health Insurance?

Gives you peace of mind

It can save you money

Safeguards you from rising health care cost. Safeguards your Savings from Increasing Lifestyle Related Ailments. Health insurance covers most of the hospital costs. This means you can generally choose your own doctor and where you are treated without worrying about treatment costs. Taking out or upgrading your health insurance can ensure you’re covered for important services like pregnancy and childbirth.

Offers you Tax Benefit: Under Section 80D of Income Tax Act, you get a tax benefit of Rs. 25,000 if you have a individual plan or a family floater plan and you do not fall under senior citizen bracket. If you fall under senior citizen bracket, you can avail a tax benefit of Rs. 30,000. If you are have a medical insurance that covers you and your senior citizen parents (and you are not a senior citizen yourself), you stand to avail a benefit of Rs. 25,000 for yourself / family and Rs. 30,000 for holding a health insurance policy for your parents. So in total, you stand to avail a tax benefit of Rs. 55,000.

Working with a big corporate, awesome right? Perfect ambience, work environment, benefits, perks and health insurance provided by your employer. If you are working in a decent sized firm, then in all probability you must be covered under your employer’s health insurance plan. But let's be honest - how many of us know what exactly the plan is? Does it cover everything? Your spouse? Your children? Your parents? What is the maximum expense limit? Which hospital can you go to?

In order to know, what should you look at?

1. Is the Company Health Insurance Cover, covering enough? No! According to surveys, 60% people have their health insurance cover less than 50% of their annual take home. Therefore the question is not whether you have a health cover, but the extent of the health cover. Check if it is enough for you? Is it enough to support you in case something heavily goes wrong!

2. Parents not a part? This is something that employers are calculating very minutely. It's too expensive for companies to cover parents of employees. Earlier schemes included parents as a part of the employers health cover, but these days a lot of companies are excluding parents from the health policy provided to the employees. According to research, earlier 80% of the companies provided cover for parents; this has now reduced to 36 %.

3. Will it help you in retirement? You need health insurance more for your bad days and specifically when you are nearing 50. Things like 'life time renewal' and 'no co-pay' in later years are sought-after features. So even if your employer provides a good health cover right now, what about retirement and after that? When you go to health insurance companies at a later age to buy such plans, be sure that you will either not get it or you will pay for it in gold! It's smart to buy a good plan now which continues post employment. Don't struggle for a good plan when life's aches and pains have taken over.

4. Is your critical illness covered? Obvious question that comes to our minds! What if there is some life changing event that occurs. For e.g., A stroke or the dreaded cancer. Will an Rs.3 to 4 lac employee health cover be enough? Does your company health insurance provide you with cover for critical illnesses? If no, then you ought to top-up your employee health cover with a critical illness plan.

5. Is your cover really covering all? You get admitted to a hospital; you need a separate/ private room. This is a tricky zone. Are you comfortable paying a few lakhs out of your pocket for quality treatment? You should be clear about the facts before you assume that your cover would provide for this.

6. You might not get health cover with your next employer or maybe your current employer reduces the benefits they offer? This is pretty obvious. All of us switch jobs these days and not all companies provide health cover the same way. What is the guarantee that you will get the same kind of cover and benefits in your next job? Health Insurance costs are provided as perks and borne by companies. Situations change. Your health cover needs to be worked out for you with or without your current and proposed employer. You don't want to be left without a cover.

Why? Because misfortune strikes when you don't expect it at all. That small period, a few weeks maybe - without a cover, could be fatal.

Employer health insurance cover is a great perk, add to it some smart protection from your end and you're truly covered.

Some of the best things which an employer health insurance provides • It is easily available without any restrictions and hassle. • You will get it even if you have any pre-existing illness. • No one denies it because of higher age or any past history. • Normally does not have waiting periods. Waiting period is when your health insurance does not cover you for some period immediately after buying. The cover starts after a specific period, say 3 - 6 months and even a few years for some conditions. You should aim at having at-least one independent health insurance plan in your life which you can cover and control. You are responsible for your well-being and your family. Don't blindly outsource it.

The benefits of taking out Personal Health Insurance

• You could save money by taking out hospital cover. • Life Long Renewals. • Select the timing of your treatment. • Get your choice of doctor and even where you want to be treated. • Extras cover can help cover the cost of health services that may not be covered by Corporate Health Insurance

Scheme offered by your Employer. • Income Tax Benefit under Section 80 D. • Choice of Benefits Available from around 150 Products of various Insurance Company’s. You can choose

benefits that suit you & your Family Members.

Super Top up Cover for Employees having group cover from Employer

A lot of salaried employees already have a group cover from their employer and they feel that they should not waste their money in a separate health insurance policy (which is not quite a right way of thinking). A top up cover is a very useful way for those employees to extend their cover beyond a point. Let’s say you already have a 5 lacs cover from your employer, but you feel that it’s insufficient and you wanted to have a cover up to Rs 10 lacs. Now, one way of doing it is to take a separate cover of Rs 10 lacs, but you can take a top up cover of up to Rs 10 lacs with threshold of Rs 5 lacs (as you are already covered from your employer up to 5 lacs). This way you will be covered up to 10 lacs. But understand that in that case you / family members will have to claim your expenses multiple times in 1 policy year & you have exhausted your family Sum

Insured in your corporate plan, then super top up cover will save you from additional financial burden that you may suffer due to unforeseen hospitalisation.

Our Service Pledge:

Our Experts Unbiased Review of over 150 Health Products from 28 Health Insurance Providers across India.

Dedicated & Exclusive Team to service Personal Health Insurance Proposals.

Competitive Comprehensive Comparison for smooth understanding of Premium v/s Benefits available under various products.

Due Diligence & Compliance including filling up of Proposal Forms & Pre Policy Requirements including Portability Formalities

Pre Policy Health Check up appointments & coordination with Insurance Company’s

State of Art Digital Policy Wallet (Secure Login) exclusively available only for Investacc clients. Important Benefits of Policy Wallet are as under:

. All Past & Current Policies & forms available in Digital (PDF) format on finger tips.

. Cashless cards / E cards available 24x7x365.

. Dashboard for Individual Insurance Portfolio Analysis & Annual Premium Outgo.

Daily Health Tips for Investacc Clients via Email, Official Social Media Accounts etc.

Our Role in Claim Process

Dealing with health insurance claims requires expertise to present a claim for each and every unique circumstance around each claim.

Investacc Will Provide:

Value Additions:

Interpretation of your Existing Health Policies & offering of Best Available Health Product available in market through transparent process.

Benchmarking of your current Health Insurance Requirement keeping in mind various factors like Inflation, Dependency, Previous Family History & Market Trend.

Family Health Assistance through our In House Counselling Cell. Special Discounts for Personal / Individual Family Health Plans exclusively for

Investacc Clients. (*conditions apply). Waiver of health check-ups given in selected Insurance Companies exclusively for

Investacc Clients. (*conditions apply). Emergency Contact numbers like Ambulance, Blood bank, pharmacy, Doctors Etc

shared.

Exclusive & Dedicated Claim personal who have Critical and effective claim management skills.

Dedicated & Exclusive Team to service Personal Health Insurance Proposals.

Investacc will play important role in getting approval for cashless services through network hospitals & will guide you in all reimbursement claims filing & response to deficiencies for smooth settlement of your Health Insurance Claims.

Technology based monitoring of claims & regular updates on status to Investacc’s Client for offering Seamless Claim Services.

Changing my insurance cover (Portability of Health Insurance Policy) You can apply to increase, reduce or cancel your insurance cover if you would like.

For assistance with your insurance options, simply call us on +918433199999 or info@investacc.co.in. *Note: Portability Guidelines of IRDAI will be applicable.

Investacc Insurance Brokers Pvt Ltd

Registered Office: A-2, 303, Jagdamba Complex, Off Malad Link Rd, Near Movie Time Cinema, Malad (West), Mumbai: 400 064. Registered in India – Corporate Identification NoU93030MH2013PTC248517

IRDAI License No –488 Valid From 05th May 2014 to 4th May 2017 Member of Insurance Brokers Association of India – Membership No 401.

Insurance is the Subject Matter of Solicitation

For more information on how we can help you protect you and your family Please contact us on +91-8433199999 or info@investacc.co.in.

Follow us on: www.investacc.co.in

Facebook.com Twitter.com Google+.com Linkedin.com

Copyright © Investacc Insurance Brokers Pvt. Limited.

Written and published by Investacc Insurance Brokers Pvt. Ltd. This work is copyright and confidential. Other than as permitted by law, no part of it may in any form or by any means be reproduced, stored or transmitted without permission of the

copyright owner, Investacc Insurance Brokers Pvt. Ltd.

Disclaimer This publication and any recommendations/services offered in it are based on certain observations made by us and/or from

information supplied to us from sources, which Investacc believes it is entitled to assume, are reliable. The benefits mentioned in the publication are offered on case to case basis in coordination with Insurer & Third party administrator (TPA). Investacc is

only the facilitator for offering the benefits mentioned in this publication. It is not, and is not intended to be, exhaustive or conclusive, covering every hazard or risk potential, nor to guarantee compliance

with any statute or regulation. It is offered to assist you in your assessment and/or management of risk. Investacc shall have no obligation to update this publication and shall have no liability to you or any other party arising out of this publication or any

matter contained herein.

DID YOU KNOW?

We can help with ALL of your insurance and Risk Management requirements, which may include:

Major Products:

- Standard Fire & Allied perils - Loss of Profit - Energy & Infrastructure risk - Engineering & Construction incl ALOP - All types of Transit risks - All Types of Misc Insurance - Directors & Officers Liability - Professional Indemnity - Commercial General Liability - Product insurance & Product Recall - Credit & Political Risk - Commercial crime & Cyber Liabilities - Event & Related Insurance incl weather risk - Terrorism Insurance - Term Life & EDIL Insurance - Healthcare & Accidental Insurance - Kidnap & Ransom - Gratuity & Pension Management - Motor Fleet – Corporate Fleet & Individual - Extended Warranty - Travel Group & Individual - High Net Worth Specialised Cover - Home Insurance - Keyman Insurance & Motor Trade

Complimentary Advisory Services

- Health & Safety Advice - Human resource related advise -Property re-build valuation advice - Risk Management Advice