Download Tax Saving Mutual Fund Application Forms

Invest In Tax Saving Mutual Funds Online

Buy Gold Mutual Funds

Leave a missed Call on

94 8300 8300

Health Insurance Cover

Here are the tips that help you choose a medical policy that is just right for you

The right amount of cover varies for everyone. It is determined by the number of members in your family, their medical history, lifestyle and budget.

You can insure your family with a family floater policy or individual policies for each member. A floater policy covers entire family under a single policy and the sum insured can be utilised by any member in the hour of need. This is more cost-effective against buying individual policy for each member.

Floater policies assume that all members will not fall ill at the same time. Hence, an ailing member can utilise the cover that was meant for a family, which means he has a good amount of insurance to cover his bills. However, if more than one member fall ill, and one has already used a large chunk of the cover, the other is left with little or no protection in that term.

You can reach the amount of cover by looking at the medical history of your family. If you have had a history of any chronic disease in your family, you should buy higher coverage as the risk of getting the disease is high. You can also consider buying a separate critical illness policy to cover major chronic illnesses apart from basic health insurance to enhance protection.

Another factor that decides sum assured is your standard of living and the kind of hospitals you visit for treatment. The cost of treatment varies with city of residence. Hospitals in metropolitan cities would be more expensive as compared to those in other cities.

Budget is another determining factor. Cost of insurance increases as you increase sum insured. You should pick a policy that meets your needs and fits your budget.

Inflation works its way into all costs, hence, your medical cover should also be inflation-proof. Health insurance sum insured can be increased anytime in future at the time of policy renewal if the insurer accepts your proposal.

You can also consider a top-up policy for additional coverage. Such policies cost less than a basic policy, and pay medical bills stretching beyond your means. Here, you decide the limit from which you want policy benefit to kick-in.

For further information contact Prajna Capital on 94 8300 8300 by leaving a missed call

Leave a missed Call on 94 8300 8300

Leave your comment with mail ID and we will answer them

OR

You can write back to us at

PrajnaCapital [at] Gmail [dot] Com

---------------------------------------------

Invest Mutual Funds Online

Invest Any Mutual Fund Online

Download Mutual Fund Application Forms from all AMCs

Download Mutual Any Fund Application Forms

---------------------------------------------

Best Performing Mutual Funds

1. Largecap Funds Invest Online
1. DSP BlackRock Top 100 Fund
2. ICICI Prudential Focused Blue Chip Fund
3. Franklin India Bluechip
4. ICICI Prudential Top 100 Fund

B. Large and Midcap Funds Invest Online

1. ICICI Prudential Dynamic Plan
2. HDFC Top 200 Fund
3. UTI Dividend Yield Fund
4. Birla Sun Life Front Line Equity Fund
5. Franklin India Prima

C. Mid and SmallCap Funds Invest Online

1. Reliance Equity Opportunities Fund
2. DSP BlackRock Small & Midcap Fund
3. Sundaram Select Midcap
4. IDFC Premier Equity Fund
5. Birla Sun Life Dividend Yield Plus
6. SBI Emerging Businesses Fund
7. HDFC Mid-Cap Opportunities Fund
8. ICICI Prudential Discovery Fund

D. Small and MicroCap Funds Invest Online

1. DSP BlackRock MicroCap Fund
2. Franklin India Smaller Companies

E. Sector Funds Invest Online

1. Reliance Banking Fund
2. Reliance Banking Fund
3. ICICI Prudential Banking and Financial Services Fund

F. Tax Saver Mutual Funds Invest Online

1. ICICI Prudential Tax Plan

2. HDFC Taxsaver

3. DSP BlackRock Tax Saver Fund
4. Reliance Tax Saver (ELSS) Fund

G. Gold Mutual Funds Invest Online

1. Relaince Gold Savings Fund
2. ICICI Prudential Regular Gold Savings Fund
3. HDFC Gold Fund
4. Birla Sun Life Gold

H. International funds Invest Online

1. Birla Sun Life International Equity Plan A

2. DSP BlackRock US Flexible Equity

3. FT India Feeder Franklin US Opportunities

4. ICICI Prudential US Bluechip Equity

5. Motilal Oswal MOSt Shares NASDAQ-100 ETF