CreditMantri Finserve Private Limited
CreditMantri Finserve Private Limited Unit No. B2, No 769, Phase-1, Lower Ground Floor, Spencer Plaza, Anna Salai, Chennai - 600002
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Get answers to specific queries on health insurance
Not everybody who applies for the same health insurance plan has to pay the same amount of premium. Wondering why? Let's look at the reasons.
Poor family medical history
You will be charged a higher premium if your family members have had high blood pressure, heart attacks or succumbed to cancer in the past. Because the chances of you being at health risk again is more likely than those with a relatively unblemished family medical history.
History of tobacco consumption
Tobacco users are at a higher risk of cancer or other illnesses. Hence, the insured is naturally charged a higher premium. Even though you may have quit using tobacco, you will still be liable to pay a higher premium. This is because the effects of tobacco still exist in the body and takes time to go away.
Pre-existing illness
Firstly, you need to check if you are eligible for a health cover with such a condition. If you are then you will likely be charged a higher premium amount.
High Body Mass Index (BMI)
People with a high BMI are at more risk of suffering from severe health conditions such as heart problems, diabetes, arthritis and so on. A high BMI can also result in pregnancy complications. Therefore, the premium amount charged is likely to be higher for them.
Age factor
It's true that the younger you are, the lower will be your premium. Generally, this is because you may not be so much at a risk of diseases when you are younger.
Depends on your work profile
You will have to pay a higher premium if your work profile is risky. If your work is exposed to radiation, hazardous substances or chemicals or have a job with a high risk of injury then you will be charged a higher premium.
A CIBIL™ score is a three digit number between 300 and 900 that gives potential lenders a quick idea of your loan
Credit repair involves rebuilding your credit health to a level where you become eligible for loans.
A credit report is a history of your credit behaviour and contains detailed information on all your loan and credit
A credit rating - also known as a credit score - is a 3 digit number between 300-900 that gives potential lenders
A bad credit score is generally one that is less than 650. A credit score is a three digit number in the range of 300-900
Yes. In fact, a credit score of 850 is very good! Most lenders look for a minimum credit score of 750 to approve loans
There are several ways in which you can improve your credit score. Depending on how good or bad your score is,
Is 800 a good credit score? Yes. In fact, a credit score of 800 is very good! Only a small percentage of people reach,
Is it possible to obtain a free credit check or credit report? The answer is yes and no!
Your CIBIL™ Score plays an important role in getting loans and credit cards sanctioned, because it gives lenders
It is not possible for anyone, either lenders or borrowers, to get a CIBIL™ score or credit report for free.
It is important to know that there is no such thing as a CIBIL™ defaulter list. There used to be a defaulter list earlier,
There is really no number that can be established as the average credit score in India. Many people see regular
You can repair your credit absolutely free if you do it yourself! However, many people choose to get professional help
First, it is important to note that there is no ‘Defaulters List’ that is maintained or circulated by CIBIL™ or any of the other
Sourav and Ankit are watching the New York Marathon on TV and decide that they want to run a marathon.
In India, the best credit score to have is one that is 750 or above. The three credit rating agencies that operate in India
Is a credit score of 700 good? While it is not a very bad score, it is not good enough to automatically qualify
It is difficult to get a loan with a credit score of 650. Most banks look for a minimum score of 750 when deciding
It is not likely that you will get a loan with a credit score of 600. Most banks look for a minimum score of 750
It is difficult to get a loan with a credit score of 550. Most banks look for a minimum score of 750 when deciding
A poor CIBIL™ score can increase your financial problems and make it difficult to access credit, whether as a loan or credit.
One common worry that runs through your mind after you have made a credit card settlement is,
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application