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Long term Home Insurance policy?

Monday, February 13, 2017

Does an insurance company extend a NCB discount on Family Floater Health plans if there has been no claim made during the policy year by the majority members and a single claim by a member?
    — Ramesh Kumar, Panvel

In Family Floater Health policies , the floating sum insured is provided for all the family members. Hence if any claim made by any insured member under the policy a No Claim Bonus (NCB) will not be extended.

I stammer in my speech from my birth. Will that be an issue if I consider buying a health insurance.
  — Balakrishnan Singh,
 Grant Road

Stammering is a speech disorder which affects the fluency of speech. This is not a major health disorder, hence the issues will not have any effect on purchasing the health insurance policy. However stammering being your existing disorder, the expenses pertaining to the treatment of the stammering disorder and related, may be excluded under the policy.
Is there any insurance company which extends long term Home Insurance policy?
    —  Jayakumar Pai, Mahim

General Insurance companies are providing home insurance policy for minimum 1 year to maximum 30 years. Recently one insurer has launched home insurance plan for 30 years term. The premium is calculated based on location and term of insurance opted.
In a layman term, can you tell me what is a Tertiary Hospital and a Secondary Hospital?
    — Rajnish Shah, Byculla

 Health care system includes primary care, secondary care and Tertiary care. Primary care includes basic first level care provided by general practitioners or family physicians, mostly on outpatient basis. At Secondary care providers treatment is provided by specialists like cardiologists, dermatologist etc. for the patients referred from primary health care centers. In tertiary healthcare providers, specialised and super specialised consultative treatment is provided for  inpatients and on referral from primary and secondary healthcare, these are the large setups with all ultramodern healthcare equipments  and advanced facilities are provided.

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