The menace of mis-selling in insurance: Fraudsters have found many ways to sell fraud insurance. In this post you'll know how to prevent yourself from it and where to complaint it.
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The menace of mis-selling in insurance: Fraudsters have found many ways to sell fraud insurance. In this post you'll know how to prevent yourself from it and where to complaint it.

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Health Insurance Frauds are increasing in India day by day. Read here about Health Insurance fraud definition, types, impact and ways to reduce it at Insurance Samadhan. Healthcare fraud includes "snake oil" marketing, health insurance fraud, drug fraud, and medical fraud.
Crop Insurance Coverage in India. Read about Pradhan Mantri Fasal Bima Yojana (PMFBY) definition, benefits, key features and detail information about crop (agriculture) insurance to cover crop & revenue losses at Insurance Samadhan.
There are many ways to file a complaint against your health insurance company in India. Just follow these simple tips that explains procedure and rules how you can register or lodge complaint against insurance company.
Any person gets an insurance for the family or for himself or herself as a safeguard against tough times but there could be instances when one is not content with the performance of the insurer. If any customer feel that there was a lapse or negligence on the part of their insurance company in processing a proposal, servicing a policy or processing Insurance Claims, there are various ways to file a complaint against your Health Insurance Company.
Term Insurance Plan or Online Term Plan: Here we tried to tell you which things you should take care while purchasing a Online Term Insurance Plan. Check the best Term Plan in India with us.

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Know about top 6 benefits for understanding the importance of home insurance for Indian homeowners. Property insurance that protects your home from different risks such as accidents, natural calamities and robbery is called home insurance.
To safeguard yourself from insurance related fraud contact insurance samadhan to know more about the insurance policy and how to claim for better benefits.
Insurance related fraud is a problem that is rearing its head in India and the number of instances is only going up regularly. The commonest way of deceiving people is when scamsters pretend to be representatives from the IRDA. These people usually masquerade as representatives of the IRDA (Insurance Regulatory & Development Authority).
In this post we have explained why Accidental Insurance is Important and why should be buy it: Let's know the reason one by one and know the Benefits of Accidental Insurance.
In India, there are 5 lakh accidental deaths or disabilities every year, and the ones who suffer the most are the ones who are working and are young. Young people mostly die because of accidents and not natural deaths.
Know about the basic tips and the right process of cancelling car insurance policy to make a hasslefree experience
How to cancel your Car Insurance Policy? Know the steps and why people cancel their car insurance policy.
Nowadays mis-selling of insurance policies in India became a major problem for Insurance Industry. Our experts will resolve your insurance complaint.
Insurance Industry faces a major challenge of insurance mis selling.
These mis selling are of two types:

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A well researched Insurance would always give you good sleep as you know that all risks in life are well covered and financial future of your family is well protected.
A well researched Insurance would always give you good sleep as you know that all risks in life are well covered and financial future of your family is well protected. A well insured person would not have life style diseases like Blood Pressure, Hyper tension or cardiac issues.
Common Problems you could face while Filing your Insurance Claim and what to do: Let's find out what to do while we face this kind of problem and how Insurance samadhan can help you in this.
The Future of Insurance Claims Management: Here's what InSa Team think could be the Future of Insurance Claims Management with advanced claims processing using automation.
The Future of Insurance Claims Management | Claims Management in 2030
More than often, Insurance companies are pressured to provide superior client services while controlling costs—particularly, for claim management. Owing to the simplification in the insurance process due to advancement in technology, more and more people are embracing digital technologies, and insurers are driven to amalgamate analytical technology and artificial intelligence into their processes.
With growing numbers of technological integration into insurance operations, we can envision a smarter future of Insurance with considerably faster and efficient insurance claim management. Nowadays, technology makes it easier for insurers to process and settle claims although it can still be unnecessarily complicated and subject to human error.
Now imagine a future, where the claim process can be done without human intervention from start to finish.In the future, self-service or touchless claims will enable a customer to lodge minor claims online and submit at any point of time from almost anywhere. First, the Artificial intelligence system will require you to submit basic information, verify your identification and then analytics will take over to assess the situation, evaluate potential outcomes for insurance settlements and finally select the best possible outcome.
Automation can transform tedious claims procedures in the following ways:
Improve efficiency and dramatically control costs
Enable customers to file claims from anywhere, anytime
Artificial intelligence can aid in minimising fraud
Enhance customer satisfaction with quick claim resolution, simply at the touch of a button
How to Claim Health Insurance in India: In this article we have explained step to step method to file a Mediclaim in India. There are two type of claim Cashless and Reimbursement read full post to know more.

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Every Insurance Policy is of two types -
Traditional Participatory plans
With the guidelines of the IRDA, the money is invested and managed by the insurance provider. This allows your insurer to inform you about the amount and bonuses that you will receive on maturity.
In participating plans, the sum assured is guaranteed on death and survival during maturity.
For the money invested, you will receive bonuses that will increase with the payment of your premiums.
For instance, you purchase a 10 lakh policy for 20 yrs. Hence in 20 years, you will get a sum assured + bonus
10 + !0 = Rs 20 lakhs on maturity or death
Non-participatory traditional plans
Non-participating traditional products imply that all the investments with your money will be at your own risk. Although, insurers would provide professional advice and fund management, which would be according to your risk profile/appetite (More risk gives more return)
The Sum assured is guaranteed at death but the investment will be put into different markets.
Mutual funds vs Unit-linked Plans
Mutual funds give good returns if you think long term basis whereas insurance by nature is also a long term contract, although ULIPs are more economical.
Expenses of ULIP
Fund management charge
The Fund Management Charge is for managing your investment to offer you potentially higher returns.
Approximate charges -
MF - 2.5% expense
ULIP - 1.35% expenses
Other service charges like -
Switching from one fund to another
(Sometimes the 3 to 4 switches are free in a year)
Premium Allocation charge
For ULIPs, when you pay a premium, you pay a premium allocation charge of 3 or 4%, (this is not a fund allocation money)
Example - Premium Rs 1 lakh, premium allocation charge - Rs 3000.
Although, IRDA is trying its best to decrease the allocation rate, in today’s time some companies have 0 to 3% premium charges.
Policy administration charge
These charges are for the administration of policies. They are deducted every month, Approximately 50 Rs per month, 600 pa.
Mortality charge
Mortality expenses are charged towards providing you a Life Cover. These expenses increase with age and are deducted monthly.
Can you pay these expenses upfront or insurers charge it from the investments?
The biggest drawback is that you cannot pay these charges upfront.
And why is that a drawback?
For instance, you have a 1000 mortality rate and the NAV of 20
Now, 1000/20 = 50 units
These 50 units will be deducted from your total units.
In times of corona when the market is at its low, the NAV is somewhere around 16, and because of that15 units, extra will be deducted.
So if the market comes down, more units will be deducted
Pro Tip- Since ULIPs are less expensive, they are a good option to invest in
Insurance by nature is a long term contract so if you are prepared to not receive your money and consider it as an investment, it gives a good return.
In times of COVID19, people will get scared to settle their claims/money, but insurance companies offer a settlement option to postpone the settlement where they keep the mortality 0 although the fund will still be managed by them. So even at crisis times like this pandemic, ULIPs are quite flexible.
Benefits of ULIP Tax
Compared to other instruments, ULIP is a superior tax saving instrument.
There is an Exemption under 80C (only if your SA is 10 times your premium)
And at death or maturity, the claim is tax-free.
FYI - In MF, around 10% tax is deducted
Liquidity
Liquidity of ULIP is possible after 5 years where the Surrender cost is 0 and the Risk cover is 7 to 10 times
Are you trying to revive a lapsed policy? Or struggling with a missold policy? Leave all your insurance-related issues to Insurance Samadhan. Our experts are here to help you through it all! Register here and we will be right there with you!