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Get answers to specific queries on health insurance
In a standard medical policy, the insured pays the hospital bill by himself then claims for reimbursement from the insurer.
On the other hand, in a cashless claim, the policyholder is not expected to pay the hospital bills as the insurer reimburses the same directly to the hospital
Well, that is how it works in theory. However, there may be instances when you have to pay the bill out of your pocket even in a cashless claim. Wondering why this happens? Why should the insured pay some fraction of the medical expenses at the time of discharge? Here’s why.
Most insurance policies do not cover all the medical expenses. Therefore, there are deductions because of non-admissible items or services when claiming medical insurance. For example, admission fee, registration charge, medical record fee, insurance processing fee, etc. are non-admissible and have to be borne by the patient out of their pocket. It won’t be covered by the insurer.
Room rent limit
You won’t believe this but room rents are capped. This means that an upper-limit is set on the room rent. If the room you have chosen has a higher rent, the insurer will only pay the standard room rent. The extra charges on the room will have to be borne by the policyholder.
Sub-limit on treatments
It is a really common assumption that if your total treatment price is a smaller amount than the total insured, it'll be included in the policy. In reality, virtually each treatment incorporates a limit applied to that. And if the treatment price exceeds the limit, you may have to pay the difference.
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,
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