Author Topic: Free Finance Related On-Line Consultancey by Mr Pankaj Mathpal- पंकज मठपाल जी  (Read 13291 times)

pankajmathpal

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एम.एस. मेहता /M S Mehta 9910532720

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i would request to the community members to promote this topic so that maximum people could avale this facility.

Pankaj Mathpal ji will reply the queries here.

एम.एस. मेहता /M S Mehta 9910532720

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दोस्तों .....

आप अपने किसी भी वित्त सम्बन्धी सवाल पंकज से यहाँ पर पूछ सकते है.

पंकज मठपाल जी का दूरदर्शन में यह टी बी शो देखिये.

http://www.facebook.com/video/video.php?v=488603935936#&ref=mf

एम.एस. मेहता /M S Mehta 9910532720

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INSURANCE - BY PANKAJ MATHPAL
QUERY CORNER

TOP-UP PLANS COVER EXPENSES OVER THE SUM INSURED IN BASIC POLICIES

TOP-UP PLAN VS HEALTH INSURANCE COVER



My wife has taken a group mediclaim life policy of.5 lakh from Oriental Insurance.She wants to take another group mediclaim policy for.5 lakh.Can her cashless hospitalisation bill of.4 lakh be settled under the second policy without affecting the first policy A DUTTA


If you have two health insurance policies from two different companies,the claim will be settled by both the companies in a rate proportion of the sum insured with each company.Instead of buying additional basic health policies you can consider a top-up policy like Star Health Super Surplus Plan.Top-up plans cover the additional expenses over and above the sum insured in the basic policy.

TERM INSURANCE PLANS SUIT ALL




I am 26 and want to select an insurance plan that would suit my age and also have an option to avail of Section 80 C Tax benefit.What should I go for ANUPAMA


The basic purpose of life insurance cover is to provide financial support to dependents in case of the untimely death of the bread earner.Term plans suit all age groups.You can consider insurance plans like ICICI Pru- iProtect or Kotak e-Term Plan.

CHILD PLANS FOR EDUCATION




My son is 8 and I want to take a policy for his education.How much amount should I save per month RAJ MAHINDRAKAR


Child plans help build a corpus for the childs education and also pro-vide financial support to the child in case of the death of the proposer during the term of the policy.You can consider child education plans like Max New York Life- Shiksha Plus II or HDFC SLYoung Star Su-per.You can decide the premium based on the corpus you want to build for your childs education and death benefits in the policy.Considering the various charges applicable in insurance policies,you can also build the corpus by investing in mutual funds through a SIP and buying a term insurance plan separately for yourself.

HEALTH POLICY FOR SENIOR CITIZENS




I want to buy a health insurance policy for my parents for major critical illnesses with a cover of.3-5 lakh individually.Which plans should I go for PRAGATI


You can consider National Insurance Varistha Mediclaim for Senior Citizens Policy for your parents.It covers hospitalisation expenses up to.1 lakh and expenses for treatment of critical illnesses,if opted for,up to.2 lakh.You can also consider Star Health- Senior Citizen Red Carpet Policy which offers a cover up to.5 lakh.

FRAUDULENT MEDICLAIM PRACTICES




I have a mediclaim policy from Oriental Insurance since the past five years.Recently,I underwent a surgery,which I had intimated to the insurance company well in advance.After the surgery,the company denied the claim,citing that we did not submit the claim within the time limit of five days from the date of discharge from the hospital.I submitted the claim around 40 days from the date of discharge. SANTOSH KUMAR SRIVASTAVA


To keep fraudulent practices under check in reimbursement of mediclaim policy,public sector insurance companies have decided to deny claims to policyholders if they fail to submit their papers within the stipulated time frame,post discharge.Oriental Insurance has asked their TPAs to insist on papers within the seven-day limit as specified in the policy.In extraordinary circumstances,the policy holder is allowed to submit these papers within 30 days only.

SURRENDERING PENSION POLICY




I have been investing.1.5 lakh in a unit-linked pension policy since 2008.The policy has completed three years and has a face value of.6 lakh.What will be the tax implication if I surrender this policy CHARUDUTT DESHPANDE


If you surrender your pension policy,the whole surrender value will be clubbed to your other income and will be taxed at the slab rate applicable to you.
 
  PANKAJ MATHPAL

CERTIFIED FINANCIAL PLANNER,MANAGING DIRECTOR OPTIMA MONEY MANAGERS


एम.एस. मेहता /M S Mehta 9910532720

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   from   Mohammad hossain m.hossain716@gmail.com
to   msmehta@merapahad.com
date   Sun, Sep 25, 2011 at 10:57 AM
subject   Term insurance
mailed-by   gmail.com
signed-by   gmail.com
   Important mainly because of the people in the conversation.
   hide details 10:57 AM (9 minutes ago)
   Dear Mr. Pankaj,
Good Morning, I am Indian working in Saudi Arabia, Want to take term insurance of 5000000 online which various companies are offering.Please tell me can I take it from here. Even I know it is very common at a time of taking companies do not ask many question but when time of claim arrives they become  very rigid. Please advise me Can I take and if something bad happen there would not be any problem relates to non residence .
Regards,
Ms hossain


 

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