Sunday, June 4, 2017

Towards Comprehensive Health Insurance

The P.V. Bhagvat Investment Guidance Cell of Lokmanya Seva Sangh arranged a lecture of Dr.Virendra Darakh, a dentist and financial advisor for doctors on Sunday, 04th June. He spoke about the difference between Life and Medical Insurance. The different types of Medical Insurance Policies, such as routine medical claim and top up, cancer policy, critical illness policy, accident policy, hospital cash policy and disability policy and portable policy, their benefits and requirement. He urged the listeners to read the fine print on each policy document, do the self study and rely on trustworthy insurance agent. While deciding which policy to take one has to consider many aspects such as: claim ratio (which should be 85% or more), co-payment claims for employed, sub limits, auto recharge, waiting period and financial health of the company. He emphasized that nominees on the policy should have enough knowledge about the policy and should be computer savvy to process the claim. It was very informative lecture stressing the fact that Insurance is more of security than investment. In his own words — “one needs to take a medical insurance policy when one doesn’t need it much”.

जाणून घ्या आरोग्य विम्याविषयी

लोकमान्य सेवा संघाच्या श्री. पु.वि भागवत.गुंतवणूक मार्गदर्शन केंद्रातर्फे ‘आरोग्य विमा’ या विषयावर रविवार दि. 0४ जून रोजी श्री.वीरेंद्र दारख यांचे व्याखान आयोजित केले होते. डॉक्टरांनी या वर माहितीपूर्ण विवेचन केले. जीवन विमा व आरोग्य विमा यातला फरक समजावून सांगितला. आरोग्य विम्याविषयी बोलताना ते म्हणाले कि “जेव्हा तुम्हाला गरज नसेल तेव्हा विमा काढून घ्या.” नेहमीच्या आरोग्य विम्या बरोबरच अपघात विमा, व्यंग निर्माण झले तरचा विमा, कॅन्सर विंमा, इत्यादी विविध प्रकारच्या विम्या विषयी नीट माहिती करून घ्या. त्यातले बारकावे जाणून घेणे आवश्यक आहे. त्यांचा अभ्यास करा. विमा म्हणजे गुंतवणूक नसून, भविष्यकाळात घडू शकणाऱ्या अप्रिय गोष्टी पासून संरक्षण आहे.