https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124138
Get health insurance from starhealth. If you need any help dm me for best deal
Best credit card with free medical insurance
- 822
- 22
-
- Last Comment
Disclaimer
We are not SEBI/IRDA registered. The information provided herein is for education purposes only. We will not be responsible for any of your profit/loss with this channel's suggestions. Consult your financial advisor before making any decisions.
21 Comments
|
11 Dimers
- Sort By
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124169
are you asking personal accident insurance or medical claim insurance?.. cards usually provide PA only
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124221
Some Cards Have Personal Accidents By Default...
But Amazon Icici Credit Card Customer Care Will Offer U Medical Insurance While Disconnecting Call... Amount Will Be Charged In Credit Card...
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124437
These insurance comes into picture for air travel or foreign trip only and when booked via same card
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124562
UnderNation wrote:Paji what exactly do personal accident cover, cover? Hospitalization or only if person goes away? Is it possible to buy standalone personal accident covers from insurers? Is there any waiting period or something there? Afaik debit cards also provide it but with many conditions like xx transactions of atleast yy amount should be there in the provided timeframe. + @getready @guest_999 @Ramta_Jogi @atx88 @LordGane @Jarvis.-.Some Cards Have Personal Accidents By Default...
But Amazon Icici Credit Card Customer Care Will Offer U Medical Insurance While Disconnecting Call... Amount Will Be Charged In Credit Card...
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124601
Expand
kukdookoo wrote:
Paji what exactly do personal accident cover, cover? Hospitalization or only if person goes away? Is it possible to buy standalone personal accident covers from insurers? Is there any waiting period or something there? Afaik debit cards also provide it but with many conditions like xx transactions of atleast yy amount should be there in the provided timeframe. + @getready @guest_999 @Ramta_Jogi @atx88 @LordGane @Jarvis.-.
Google...
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124631
Expand
- Also, full amount is payable in one go in either of above cases.
- Usually there is no waiting period for accident policies.
- You can buy PA cover on your own as well directly from insurer, or also from 3rd party agents like PhonePe etc, but policy will be underwritten by some actual insurer only.
PS: If buying via cc, do confirm whether the policy will remain or not in case you cease to be card or bank customer. Usually, since these are 'group policies', you won't be able to renew if you cease to be bank customer. But I've also seen some instances where the policy is allowed to be renewed by the insurer. So do confirm beforehand.
kukdookoo wrote:Personal Accident policy = Death OR major disability only. No hospitalization cover.
Paji what exactly do personal accident cover, cover? Hospitalization or only if person goes away? Is it possible to buy standalone personal accident covers from insurers? Is there any waiting period or something there? Afaik debit cards also provide it but with many conditions like xx transactions of atleast yy amount should be there in the provided timeframe. + @getready @guest_999 @Ramta_Jogi @atx88 @LordGane @Jarvis.-.
- Also, full amount is payable in one go in either of above cases.
- Usually there is no waiting period for accident policies.
- You can buy PA cover on your own as well directly from insurer, or also from 3rd party agents like PhonePe etc, but policy will be underwritten by some actual insurer only.
PS: If buying via cc, do confirm whether the policy will remain or not in case you cease to be card or bank customer. Usually, since these are 'group policies', you won't be able to renew if you cease to be bank customer. But I've also seen some instances where the policy is allowed to be renewed by the insurer. So do confirm beforehand.
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124758
Expand
kukdookoo wrote:Think logically, how can accident has a waiting period. Do you get a notice from "above" that you are going to get into accident in next "X" days? For everything else just go to any insurer website & search for accident cover policies on their site to see their T&C.
Paji what exactly do personal accident cover, cover? Hospitalization or only if person goes away? Is it possible to buy standalone personal accident covers from insurers? Is there any waiting period or something there? Afaik debit cards also provide it but with many conditions like xx transactions of atleast yy amount should be there in the provided timeframe. + @getready @guest_999 @Ramta_Jogi @atx88 @LordGane @Jarvis.-.
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124766
Expand
kukdookoo wrote:
Paji what exactly do personal accident cover, cover? Hospitalization or only if person goes away? Is it possible to buy standalone personal accident covers from insurers? Is there any waiting period or something there? Afaik debit cards also provide it but with many conditions like xx transactions of atleast yy amount should be there in the provided timeframe. + @getready @guest_999 @Ramta_Jogi @atx88 @LordGane @Jarvis.-.
I Took an Idfc Account Only For PA With 35 Lakh Cover (Death And Disability)... 25K Savings Account... To Claim Insurance There Must Be Debit Card Transaction Of 500 Or More Either Online Or Offline In Last 3 Months...
For Credit Cards Did Not Read Terms.
Edit :: For This Debit Card PA Cover, There Are Lots Of Terms, As Far As I Remember Bike Must Be 125cc Below. Will Update Terms Pdf link By Evening
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124853
Expand
Ramta_Jogi wrote:Confusion thereGoogle...
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124854
Expand
atx88 wrote:Paji is it possible to buy pa cover separately without involving a cc or dc?it is available on insurer websites as a separate plan?can this be claimed under section 80d?
Personal Accident policy = Death OR major disability only. No hospitalization cover.
- Also, full amount is payable in one go in either of above cases.
- Usually there is no waiting period for accident policies.
- You can buy PA cover on your own as well directly from insurer, or also from 3rd party agents like PhonePe etc, but policy will be underwritten by some actual insurer only.
PS: If buying via cc, do confirm whether the policy will remain or not in case you cease to be card or bank customer. Usually, since these are 'group policies', you won't be able to renew if you cease to be bank customer. But I've also seen some instances where the policy is allowed to be renewed by the insurer. So do confirm beforehand.
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124861
Expand
guest_999 wrote:No no some dc had a period of 30 days, not exactly waiting but it was termed something else.this pa cover can be taken under 80d deduction?
Think logically, how can accident has a waiting period. Do you get a notice from "above" that you are going to get into accident in next "X" days? For everything else just go to any insurer website & search for accident cover policies on their site to see their T&C.
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124862
Expand
UnderNation wrote:Paji do they provide a separate policy copy?please share full terms when freeI Took an Idfc Account Only For PA With 35 Lakh Cover (Death And Disability)... 25K Savings Account... To Claim Insurance There Must Be Debit Card Transaction Of 500 Or More Either Online Or Offline In Last 3 Months...
For Credit Cards Did Not Read Terms.
Edit :: For This Debit Card PA Cover, There Are Lots Of Terms, As Far As I Remember Bike Must Be 125cc Below. Will Update Terms Pdf link By Evening
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124871
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124917
Expand
You can buy stand alone policies or as a part of rider along with life insurance. Some banks like SBI, DIGI DBS also provide group PA insurance.
kukdookoo wrote:PA policies are of fixed benefit depending on pre defined criticality e.g. loss of one hand, paralysis, death, temporary/permanent disablement, loss of one or two eyes/ears etc. as a result of accident. The amount for each is mentioned in policy copy. Some may cover accidental death benefit also but usually don't cover hospitalization expenses like health insurance policies do. Some cover fire accidents/burns also.
Paji what exactly do personal accident cover, cover? Hospitalization or only if person goes away? Is it possible to buy standalone personal accident covers from insurers? Is there any waiting period or something there? Afaik debit cards also provide it but with many conditions like xx transactions of atleast yy amount should be there in the provided timeframe. + @getready @guest_999 @Ramta_Jogi @atx88 @LordGane @Jarvis.-.
You can buy stand alone policies or as a part of rider along with life insurance. Some banks like SBI, DIGI DBS also provide group PA insurance.
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124940
Expand
LordGane wrote:Do hdfc etc.sell separate pa insurance?can claim be taken under 80d section?
PA policies are of fixed benefit depending on pre defined criticality e.g. loss of one hand, paralysis, death, temporary/permanent disablement, loss of one or two eyes/ears etc. as a result of accident. The amount for each is mentioned in policy copy. Some may cover accidental death benefit also but usually don't cover hospitalization expenses like health insurance policies do. Some cover fire accidents/burns also.
You can buy stand alone policies or as a part of rider along with life insurance. Some banks like SBI, DIGI DBS also provide group PA insurance.
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124953
Expand
https://www.idfcfirstbank.com/content/dam/idfcf...
80D only for medical/health insurance policies, accident insurance policies have no tax benefits anywhere so many ppl take accident rider/addon with their existing health insurance policy.
kukdookoo wrote:No such condition anywhere, you are confusing some other condition(like min X amt/no. of txn in previous 30 days of accident etc).
No no some dc had a period of 30 days, not exactly waiting but it was termed something else.this pa cover can be taken under 80d deduction?
https://www.idfcfirstbank.com/content/dam/idfcf...
80D only for medical/health insurance policies, accident insurance policies have no tax benefits anywhere so many ppl take accident rider/addon with their existing health insurance policy.
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9124960
Expand
kukdookoo wrote:HDFC life, max life, icici, sundaram etc sell those. Majorly look in life insurance not health insurance websites for these. No income tax benefit. But some finance departments in companies while submitting proofs consider it for 80C benefit mistakenly but as per rules it's not valid.
Do hdfc etc.sell separate pa insurance?can claim be taken under 80d section?
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9125029
ItsBetter wrote:Get health insurance from starhealth. If you need any help dm me for best deal
Star health has worst reimbursement process.. don't take star health insurance
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9125074
Expand
datatransfer410558 wrote:waht issues you faced ?Star health has worst reimbursement process.. don't take star health insurance
https://www.desidime.com/discussions/best-credit-card-with-free-medical-insurance?page=1#post_9131566
Expand
And no, personal accident policy is NOT covered under 80d.
kukdookoo wrote:yes bhai, you can buy it directly from insurers, but not always from their website or online. I've noticed that some insurers like TATA AIG & Bajaj Allianz do have PA policies, but do not offer them online separately, I think you need to call them and ask for plans. All insurers offering health/term insurance do not offer PA policy, so you can first check list on this policybazaar link to find which all insurers offer.
Paji is it possible to buy pa cover separately without involving a cc or dc?it is available on insurer websites as a separate plan?can this be claimed under section 80d?
And no, personal accident policy is NOT covered under 80d.
Click here to reply
Reply
