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There is good news for health insurance buyers as insurers are now beginning to cover outpatient department (OPD) expenses as well. At least two players - Apollo DKV and ICICI Lombard - have come out with such a policy that was so far denied by insurance firms on fears of misuse by policyholders. Apollo DKV's Maxima and ICICI Lombard's Health Advantage Plus come at a fixed annual premium of Rs. 13,000 and Rs. 15,000, respectively. Unlike other medical insurance policies - which require a minimum 24-hour hospitalization - the sum assured is linked to the age of the policyholder. To check against possible misuse, companies have for the moment, decided to cap the OPD expenses, reports Business...
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Niranjan Meena
| Commented
| 2 years ago
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I don't feel its very good initiative. Indian health care is moving in the same direction as its in US currently.. Please stop creating the same mess to refuse someone claim based on their previous record and all. I feed its just in profit of...
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Vijay Kumar
| Commented
| 2 years ago
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This is a very good initiative by the insurance firms, it would great if others also start offering such schemes. I really Appreciate the step taken by both insurance company. But for "one can claim OPD charges only once during the during policy...
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Insight: "Now, health insurance to cover OPD charges" deleted from your view.
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(rate this)
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Yes
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No
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Niranjan Meena
| Argues in support of
"Yes"
| 2 years ago
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The plan will definitely effect the tax income of government. This policy can boost the long term life policies....
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Jithesh Ramesh
| Argues in support of
"No"
| 2 years ago
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The new tax code will have both pros and cons. Only time will tell which of the two prevails and how the markets will react..
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Debate: "Can the new Tax Code effect long-term life policies?" deleted from your view.
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Statutory liquidity ratio (SLR), which was reduced from 25 per cent of demand and time liabilities to 24 per cent has now been restored to 25 per cent. Two non-standard refinance facilities: (i) spec...
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Kriti Das
| Answered
| 2 years ago
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With respect to imposition of a CRR on the CBLO, the move is quite puzzling. CBLO is an improved way of overnight lending and borrowing in the market place over the parallel repo transaction entered into between two counter parties. CBLO has a...
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Answer: "RBI starts to tighten the noose" deleted from your view.
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Successful
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Unsuccessful
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Jairam Gopalan Aiyer
| Argues in support of
"Successful"
| 2 years ago
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The concept of "LOYALTY ADDITION" is a stroke of genius. The "LOYALTY ADDITION" is never taxable, even after the NEW TAX CODE as it comes from Provision. It can work out from between 8 - 12% per annum and possibly more because of cost reduction...
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Jithesh Ramesh
| Argues in support of
| 2 years ago
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I also think it will succeed. Both the policies have almost everything in common. The only difference is while Jeevan Aastha was launched when interest rates were crashing, Nischay’s launch coincides with RBI’s exit from the accommodative policy. Just...
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Ekta Dutta
| Argues in support of
"Successful"
| 2 years ago
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It seems, the policy is trying to tap the maturity benefits offered under an older plan – Bima Gold, which sold more than 1 crore policies when it was launched. Jeevan Aashta had mobilised close to Rs 10,000 crore, as it offered a safe haven of...
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Debate: "LIC launches "Jeevan Nischay"- Will it be a success ? " deleted from your view.
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Yes
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Prasad PN
| Argues in support of
"Yes"
| 2 years ago
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It is prudent to banks to take cover for the education loan like housing loans etc. The Term Insurance cost for students will be very low due to their young age once the period of cover is limited to 5 to 10 years. In the unfortunate event of...
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Jithesh Ramesh
| Argues in support of
| 2 years ago
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I think yes, it is a viable business for insurance companies. With this risk coverage of students, more and more students will opt for insurance policies thereby increasing the sales and market shares...
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SHARATH CHANDAR REDDY
| Argues in support of
"No"
| 2 years ago
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Banks are worried about their NPAs, basically not beacuse of the risk of death of the individual, but because of the risk of the individual not being traceable after taking loan and going abroad for studies. For the risk of death, insurance...
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Debate: "Insurance cover for study loans - Is it a viable business for insurance companies?" deleted from your view.
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Yes
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No
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Jithesh Ramesh
| Argues in support of
"Yes"
| 2 years ago
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My opinion is that the decision made by the SEBI is really good and this is what the forgin investors are looking for. This direct accss to the India markets will create a demand amoung the investors and they will come forward to inverst in...
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Deepak Agrawal
| Argues in support of
"No"
| 2 years ago
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No I don't think that allowing foreigner to direct entry in the Indian stock market is good option for India. It will mushroom FII in India which will make market more volatile. Yes if this option is exercised with investment cap of 1 year or so...
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Mathew Cherian
| Argues in support of
"Yes"
| 2 years ago
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I think giving them easy entry options is not a bad idea because of one reason, that is the indices will show more of the general nature of the economy if more investors are willing to invest through Stock Market. It is done like, a company when...
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Debate: "Should foreigners get direct entry into Dalal Street?" deleted from your view.
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Yes
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3
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0
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No
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Satwinder Singh
| Argues in support of
"Yes"
| 2 years ago
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I think, we should help company towards getting new business ventures and stop them acting like a miser with cheap ideas, which not only reduce quality, but encourages high level of dissat among employees..
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Jithesh Ramesh
| Argues in support of
"Yes"
| 2 years ago
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I agree with you Mr. Singh. Companies sack employees because of the lack of business ventures and customers. If we help them in getting ventures, the company will also have a project in hand along with our job in it...
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Debate: "Can we take measures to control the undue advantage taken by HR under umbrella of recession?" deleted from your view.
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(rate this)
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Yes
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14
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No
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Nikhil
| Argues in support of
"Yes"
| 1 year ago
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Shri Tewari ji , it seems you are not happy with a insurance company hence such a harsh reaction to my views Agents are a face of Insurance companies and they sell products of companies to masses, it is therefore necessary to serve the customer...
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Jithesh Ramesh
| Argues in support of
| 2 years ago
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Yes, they are justified.When an employee switches company, the company not only looses an employee but also all the customer contacts with him. This is a great loss for the company.Also, the employee takes many benefit from the company for which the...
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SURENDRA TEWARI
| Argues in support of
"No"
| 2 years ago
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Everybody, in the debate, is talking of "Loyalty of Agents" not of employees. Why? Why only the Agents are expected to be loyal to a company? Whether others are? Further, Mr. D.Swarup Co. has recommended to abolish commission payable to the...
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Debate: " IRDA makes it tougher for agents to switch companies" deleted from your view.
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Yes
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No
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Makrand Bhave
| Argues in support of
"No"
| 2 years ago
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LIC of India is a tough brand and has survived the onslaught of private insurers successfully. The brand has amply projected that it can change, adapt and innovate to get new consumers and retain the old loyalists. Banking in insurance is not...
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Jithesh Ramesh
| Argues in support of
| 2 years ago
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Yes, It will effect the insurance companies. As it has already been told most insurance companies have tie ups with banks, with this type of approach, customer now would preferably approach banks for insurance not to the companies which will reduce...
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Padmanabhan R
| Argues in support of
"Yes"
| 2 years ago
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Banks starting own insurance products – new info for me thanks prakashraj sir, From what you have said I join you, many of the insurance companies have tie ups with banks for...
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Debate: "Banks are going to start own insurance products will it affect the existing insurance companies?" deleted from your view.
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(rate this)
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Yes
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10
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No
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Jithesh Ramesh
| Argues in support of
| 2 years ago
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In a country like India, a common man sees cost first. So, in this case small cars will overtake big car's market. But it will also create a lot of traffic problems...
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Punit Gupta
| Argues in support of
"No"
| 2 years ago
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Well, a big Yes if we dont find an alternate renewable source of energy as a power source for cars.....but many alternate sources are in initial stages... and me being an optimist will say that in future with an alternate green source of...
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Debate: "Small cars will rule the road !!!" deleted from your view.
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