Saturday, August 16, 2008
Will Mediclaim reimburse my expenses related to the disease which I am already suffering before the inception of the plan?
Insurance company will not cover any illness/ailment which already existed at the time of first obtaining the insurance cover. However, some companies cover such conditions after, two or four continuous renewals; they start covering the pre-existing illness after that.
Comparision of Health Insurance Premium
Features ICICI LombardLombard Bajaj-Allianz IFFCO-Tokio Royal Sundram TATA-AIG Reliance General
Age-Limit 3 months to 65 years(renewal upto 75 years) 3 months to 70 years(renewal upto 75 years) 3 months to 70 years 3 months to 60 years(renewal upto 70years) 6 months to 50 years 3 months to 75 years
Pre & Post Hospitalization Expenses 30 days Prior & 60 days Post Hospitalization Expenses 60 days Prior & 90 days Post Hospitalization Expenses 60 days Prior & 60 days Post Hospitalization Expenses 30 days Prior & 60 days Post Hospitalization Expenses No 60 days Prior & 90 days Post Hospitaliazation Expenses
Pre-existing diseases (coverage after No of years) Covered After 2 claim-free years Covered After 4 claim-free years Covered After 3 claim-free years Covered after 5 claim-free years Not covered Covered after 2 claim free years
Cashless facility & Network Hospitals Yes list of Hospitals
Yes Yes Yes No Yes
Family Discount 10% 10% 10% 10% Yes Yes upto Rs. 1000
No Claim Discount 5% for Claim-free year with a maximum of 50% No No No No 5% for Claim-free year with a maximum of 50%
No Claim Bonus No 5% for Claim-free year with a maximum of 50% No 5% for Claim-free year with a maximum of 50% 5% No
Maternity Benefits No No No No No No
Ambulance Charges Covered Upto Rs. 1000 only in emergency Upto Rs. 1000 only Subject to a limit of Rs. 1000/- per claim in emergency Covered No
Room & Boarding Expenses Yes, No limit Yes, No limit Yes, No limit Subject to a limit of 1.5% of Sum assured per day Yes Yes, No limit
Specified diseases excluded for First two years First two years First year First year All diseases are covered First two years
Income Tax benefit under Sec 80D Yes Yes Yes Yes Yes Yes
Accidental Cover Yes Yes Yes Yes Yes Yes
Age-Limit 3 months to 65 years(renewal upto 75 years) 3 months to 70 years(renewal upto 75 years) 3 months to 70 years 3 months to 60 years(renewal upto 70years) 6 months to 50 years 3 months to 75 years
Pre & Post Hospitalization Expenses 30 days Prior & 60 days Post Hospitalization Expenses 60 days Prior & 90 days Post Hospitalization Expenses 60 days Prior & 60 days Post Hospitalization Expenses 30 days Prior & 60 days Post Hospitalization Expenses No 60 days Prior & 90 days Post Hospitaliazation Expenses
Pre-existing diseases (coverage after No of years) Covered After 2 claim-free years Covered After 4 claim-free years Covered After 3 claim-free years Covered after 5 claim-free years Not covered Covered after 2 claim free years
Cashless facility & Network Hospitals Yes list of Hospitals
Yes Yes Yes No Yes
Family Discount 10% 10% 10% 10% Yes Yes upto Rs. 1000
No Claim Discount 5% for Claim-free year with a maximum of 50% No No No No 5% for Claim-free year with a maximum of 50%
No Claim Bonus No 5% for Claim-free year with a maximum of 50% No 5% for Claim-free year with a maximum of 50% 5% No
Maternity Benefits No No No No No No
Ambulance Charges Covered Upto Rs. 1000 only in emergency Upto Rs. 1000 only Subject to a limit of Rs. 1000/- per claim in emergency Covered No
Room & Boarding Expenses Yes, No limit Yes, No limit Yes, No limit Subject to a limit of 1.5% of Sum assured per day Yes Yes, No limit
Specified diseases excluded for First two years First two years First year First year All diseases are covered First two years
Income Tax benefit under Sec 80D Yes Yes Yes Yes Yes Yes
Accidental Cover Yes Yes Yes Yes Yes Yes
Thursday, August 14, 2008
World's tallest woman dies in US
WASHINGTON: Sandy Allen, the tallest woman in the world according to the Guinness Book of World Records, died in the US state of Indiana.
The 2.31-metre tall woman died at the age of 53 at a nursing home in Shelbyville, Indiana, said a publication Wednesday.
Allen had been ill for a few months, a friend was quoted as saying in the Indianapolis Star.
The cause of death was not known, but she suffered from blood infections, respiratory problems and diabetes.
At age 10 she was already taller than 1.90 metres. A tumour that was removed in 1977 reportedly caused her unusual growth.
"She accepted the title of 'Tallest Woman' with pride, and became an international figure, appearing as Angelina the Giantess in the Oscar-winning Fellini movie Casanova, and was the subject of countless TV documentaries," said Guinness Book editor-in-chief Craig Glenday.
Glenday defined the woman as a "gentle giant" and recalled that Allen "often made her own clothes and wore hand-me-down sneakers donated by baseball stars."
The 2.31-metre tall woman died at the age of 53 at a nursing home in Shelbyville, Indiana, said a publication Wednesday.
Allen had been ill for a few months, a friend was quoted as saying in the Indianapolis Star.
The cause of death was not known, but she suffered from blood infections, respiratory problems and diabetes.
At age 10 she was already taller than 1.90 metres. A tumour that was removed in 1977 reportedly caused her unusual growth.
"She accepted the title of 'Tallest Woman' with pride, and became an international figure, appearing as Angelina the Giantess in the Oscar-winning Fellini movie Casanova, and was the subject of countless TV documentaries," said Guinness Book editor-in-chief Craig Glenday.
Glenday defined the woman as a "gentle giant" and recalled that Allen "often made her own clothes and wore hand-me-down sneakers donated by baseball stars."
Abhinav Bindra returns to a hero's welcome
NEW DELHI: India's first individual Olympic gold medal winner Abhinav Bindra returned from Beijing on Thursday to be immediately engulfed by an adoring crowd, followed by a series of meeting with dignitaries.
President Pratibha Patil invited the ace shooter to Rashtrapati Bhavan within hours of his arrival. Similar meetings with Prime Minister Manmohan Singh and chairperson of the ruling United Progressive Alliance Sonia Gandhi were scheduled later Thursday.
Before his meeting with the president late Thursday morning, the winner in the 10-metre Air Rifle competition went with his parents Babli and AS Bindra to meet sports minister MS Gill amid huge media presence.
"I am overwhelmed and honoured that I have got a chance to meet these people. It is a proud moment for me," Bindra told reporters after meeting the sports minister.
"It is a grand welcome and I am very happy."
Bindra returned in the early hours of Thursday, to be greeted by a huge gathering at Delhi's Indira Gandhi International airport that was present to receive the star shooter.
A band played and people danced the Bhangra as Bindra stepped out of the airport looking surprised by the grand reception.
A large number of sports buffs and officials of Indian Olympic Association (IOA) and National Rifle Association of India (NRAI) were present.
"It's a huge honour. I never expected such a welcome," Bindra told the media at the airport after arriving by an Air China flight from Beijing three days after his medal win.
Asked what he would do for sports, now that he is an icon in India, Bindra replied: "I will do something".
Policemen were deployed at the airport in strength and the shooter was whisked away in a small motorcade of three cars.
The country's latest sports icon was received by his parents, relatives and friends, as some in the crowd kept shouting his praise.
"Jab tak chand aur suraj rahega, Bindra tera naam desh yaad rakhega (as long the sun and the moon are there, the nation will remember you, Bindra)," shouted some youths.
President Pratibha Patil invited the ace shooter to Rashtrapati Bhavan within hours of his arrival. Similar meetings with Prime Minister Manmohan Singh and chairperson of the ruling United Progressive Alliance Sonia Gandhi were scheduled later Thursday.
Before his meeting with the president late Thursday morning, the winner in the 10-metre Air Rifle competition went with his parents Babli and AS Bindra to meet sports minister MS Gill amid huge media presence.
"I am overwhelmed and honoured that I have got a chance to meet these people. It is a proud moment for me," Bindra told reporters after meeting the sports minister.
"It is a grand welcome and I am very happy."
Bindra returned in the early hours of Thursday, to be greeted by a huge gathering at Delhi's Indira Gandhi International airport that was present to receive the star shooter.
A band played and people danced the Bhangra as Bindra stepped out of the airport looking surprised by the grand reception.
A large number of sports buffs and officials of Indian Olympic Association (IOA) and National Rifle Association of India (NRAI) were present.
"It's a huge honour. I never expected such a welcome," Bindra told the media at the airport after arriving by an Air China flight from Beijing three days after his medal win.
Asked what he would do for sports, now that he is an icon in India, Bindra replied: "I will do something".
Policemen were deployed at the airport in strength and the shooter was whisked away in a small motorcade of three cars.
The country's latest sports icon was received by his parents, relatives and friends, as some in the crowd kept shouting his praise.
"Jab tak chand aur suraj rahega, Bindra tera naam desh yaad rakhega (as long the sun and the moon are there, the nation will remember you, Bindra)," shouted some youths.
Tuesday, August 12, 2008
Nokia braces itself for iPhone challenge
Nokia India is planning to launch a series of new offerings over the next six months to take on competition from Apple’s iPhone and maintain its lead.
The company will launch new mobile games, an online music store and a sophisticated lifestyle mobile brand Supernova as a foil for Apple’s iPhone when it is launched in India.
Nokia India also unveiled on Monday its Nokia 6210 Navigator phone, which is the company’s first GPS-enabled mobile device. It has an integrated in-map compass for guidance.
The device also features a 3.2 megapixel camera, MP3 player and stereo FM radio. The phone has been priced at Rs 18,000.
Nokia now has 10 devices in the market that have the personal navigation feature including the Nokia N78, Nokia 6110 Navigator and Nokia E90 amongst others.
Devinder Kishore, marketing director, Nokia India, said Nokia 6210 Navigator comes with pre-installed maps of eight cities including Delhi and NCR, Jaipur, Ahmedabad, Pune, Mumbai, Chennai, Bangalore and Hyderabad.
“Maps of additional cities will be added later,” he said. Kishore also said Nokia India is all set for the 3G rollout. He also dismissed the buzz about 3G compatible phones being unaffordable.
“The costs of these phones would be around Rs 7,000-Rs 35,000. The company currently markets around 30 3G compatible devices in India,” he said.
The company will launch new mobile games, an online music store and a sophisticated lifestyle mobile brand Supernova as a foil for Apple’s iPhone when it is launched in India.
Nokia India also unveiled on Monday its Nokia 6210 Navigator phone, which is the company’s first GPS-enabled mobile device. It has an integrated in-map compass for guidance.
The device also features a 3.2 megapixel camera, MP3 player and stereo FM radio. The phone has been priced at Rs 18,000.
Nokia now has 10 devices in the market that have the personal navigation feature including the Nokia N78, Nokia 6110 Navigator and Nokia E90 amongst others.
Devinder Kishore, marketing director, Nokia India, said Nokia 6210 Navigator comes with pre-installed maps of eight cities including Delhi and NCR, Jaipur, Ahmedabad, Pune, Mumbai, Chennai, Bangalore and Hyderabad.
“Maps of additional cities will be added later,” he said. Kishore also said Nokia India is all set for the 3G rollout. He also dismissed the buzz about 3G compatible phones being unaffordable.
“The costs of these phones would be around Rs 7,000-Rs 35,000. The company currently markets around 30 3G compatible devices in India,” he said.
Saturday, August 9, 2008
08.08.08, lucky or unlucky?
You do not need to be a numerologist to find the date - 08.08.08 interesting.
Although astrologers, numerologists and Feng Shui experts differ on the 'auspiciousness' of the date, yet they agree it is a special one. Even the Chinese are kicking off the Olympics on 08.08.08.
"In India, we believe that the number 8 is an unlucky number. However, the Chinese believe it to be a very lucky number. It has also proved to be lucky for them," says Bejan Daruwalla, famous astrologer.
Numerologist Swetta Jhumani believes, "The date is special. Although the number 8 is not a very auspicious number in numerology, yet the presence of three 8 takes the total to 24 (8+8+8=24), which is considered a good number in numerology."
Mumbai-based numerologist Niraj Mancchanda agrees, "Three 8's together offset the negative vibes of the number 8 as the total is 24. Otherwise, disasters could have happened. Many disasters have occurred on the 8th or on a date, the total of which comes to 8.
The number 8 is not a very auspicious number. It brings hardship and bad luck."
But Feng Shui experts says that the number 8 is a very auspicious number.
"It is a very auspicious number. The number 8 brings us fortune and wealth. This is the reason why the Chinese are kicking off the Olympics on 08.08.2008," says Charuhas Naik, a well-known Feng Shui expert.
However, Jhumani says, "Most of the earthquakes in China have happened on the 8th. Even though, they are orgainsing the biggest sporting extravaganza in the world on 08.08.2008."
The date is not a good one for organising marriage and other auspicious ceremonies, believes numerolgists.
"The number - 8 is a karmic number, which brings success only when you struggle and work hard. It is either very good or very bad," adds Mancchanda.
Although astrologers, numerologists and Feng Shui experts differ on the 'auspiciousness' of the date, yet they agree it is a special one. Even the Chinese are kicking off the Olympics on 08.08.08.
"In India, we believe that the number 8 is an unlucky number. However, the Chinese believe it to be a very lucky number. It has also proved to be lucky for them," says Bejan Daruwalla, famous astrologer.
Numerologist Swetta Jhumani believes, "The date is special. Although the number 8 is not a very auspicious number in numerology, yet the presence of three 8 takes the total to 24 (8+8+8=24), which is considered a good number in numerology."
Mumbai-based numerologist Niraj Mancchanda agrees, "Three 8's together offset the negative vibes of the number 8 as the total is 24. Otherwise, disasters could have happened. Many disasters have occurred on the 8th or on a date, the total of which comes to 8.
The number 8 is not a very auspicious number. It brings hardship and bad luck."
But Feng Shui experts says that the number 8 is a very auspicious number.
"It is a very auspicious number. The number 8 brings us fortune and wealth. This is the reason why the Chinese are kicking off the Olympics on 08.08.2008," says Charuhas Naik, a well-known Feng Shui expert.
However, Jhumani says, "Most of the earthquakes in China have happened on the 8th. Even though, they are orgainsing the biggest sporting extravaganza in the world on 08.08.2008."
The date is not a good one for organising marriage and other auspicious ceremonies, believes numerolgists.
"The number - 8 is a karmic number, which brings success only when you struggle and work hard. It is either very good or very bad," adds Mancchanda.
Friday, August 8, 2008
Beijing Olympic Games declared open
BEIJING: Chinese President Hu Jinta officially declared open the 29th Olympic Games as triple gold medallist gymnast Li Ning lit the Olympic cauldron at the National Stadium, popularly known as the "Bird's Nest" here on Friday.
Jintao made the announcement in front of the capacity crowd of 91,000 at the National Stadium which staged a spectacular ceremony marking the start of the fortnight-long biggest sporting extravaganza on the earth.
India is fielding a 56-member contingent, including Athens silver medallist shooter Rajvardhan Singh Rathod, and would be seen in action in various disciplines such as shooting, swimming, tennis, archery and boxing.
However, India's eight-time champion hockey team would be missing the event for the first time in 80 years.
More than 10,500 athletes in 302 medal events would compete for next 16 days.
Delegations from 205 national and regional Olympic committees would participate in the quadrennial event.
Jintao made the announcement in front of the capacity crowd of 91,000 at the National Stadium which staged a spectacular ceremony marking the start of the fortnight-long biggest sporting extravaganza on the earth.
India is fielding a 56-member contingent, including Athens silver medallist shooter Rajvardhan Singh Rathod, and would be seen in action in various disciplines such as shooting, swimming, tennis, archery and boxing.
However, India's eight-time champion hockey team would be missing the event for the first time in 80 years.
More than 10,500 athletes in 302 medal events would compete for next 16 days.
Delegations from 205 national and regional Olympic committees would participate in the quadrennial event.
Airtel iphone - iphone 3g in india from August 22 2008
Bharti Airtel has informed the market today that from August 22nd 2008 airtel will launch the iphone 3g in india , they have also informed that the pricing for the same will be announced later .Not sure if vodafone has given any info but this is first info from airtel ,not sure if vodafone will introduce it before itself .It can be got from any of the Airtel relation ship center.Im sure bharti would try to make profit by selling phone im not sure who and all are going to buy the phone but im sure that i will be standing in line to get hold of one .I have never craze about phones but for sure im craze about iphone .Will post more info of where you can get in your locality.Tuesday, August 5, 2008
Toyota to launch hybrid sedan in India
Global auto major Toyota Motor Corp plans to introduce its hybrid sedan Prius in India as an answer to soaring fuel prices and growing concerns over emissions, a top official at its Indian joint venture said.
"We are preparing to bring Prius into the Indian market though we have not set any timeline yet," Toyota Kirloskar Motor Ltd vice-chairman Vikram Kirloskar told in an interview.
"In the run-up, we have to develop skills to service it and make spare parts available across the country," he added.
The 2008 version of Prius has been adjudged the most fuel-efficient midsize car in the US. Sold in over 40 countries across regions, the hybrid variant has also been rated as the third least carbon dioxide emitting vehicle in Britain.
Kirloskar described Prius as a "great car" but admitted it was "expensive upfront".
Friday, August 1, 2008
Voice of India Ishmeet Singh drowns in Maldives
'Voice of India' singing contest winner Ishmeet Singh Tuesday died under mysterious circumstances by "drowning" in a swimming pool in Male, the capital of the Maldives.
The 19-year-old singer hailing from a middle-class of this industrial city of Punjab had gone to Maldives for a promotional event with the music company with which he had a contract.
Relatives at his residence here said the family was informed telephonically by the music company officials that Ishmeet died while swimming in a hotel pool in the Maldives.
"We are too shocked to react. We have no other information so far," a shocked relative told IANS here while confirming the tragic news.
Relatives, friends and admirers of the singer made a beeline to his house even as his shocked parents tried to come to terms with the untimely tragedy. A pall of gloom descended on the locality.
The singer left here Tuesday morning for Maldives from Mumbai.
Ishmeet had Nov 26 last year won the 'Voice of India' singing contest, pipping his closest rival Harshit from Uttar Pradesh in a keen contest. He was given the winner's trophy by melody queen Lata Mangeshkar.
Supporters of the singer voted heavily for him from Punjab during the finals of the contest. Even though Harshit led the votes tally in most regions of the country, the final count went in Ishmeet's favour due to heavy voting from Punjab.
"He was like a brother to me. I cannot even comment on what has happened. I cannot believe that he is no longer with us," fellow contestant Harshit told a TV news channel. Avdhoot Investment
The 19-year-old singer hailing from a middle-class of this industrial city of Punjab had gone to Maldives for a promotional event with the music company with which he had a contract.
Relatives at his residence here said the family was informed telephonically by the music company officials that Ishmeet died while swimming in a hotel pool in the Maldives.
"We are too shocked to react. We have no other information so far," a shocked relative told IANS here while confirming the tragic news.
Relatives, friends and admirers of the singer made a beeline to his house even as his shocked parents tried to come to terms with the untimely tragedy. A pall of gloom descended on the locality.
The singer left here Tuesday morning for Maldives from Mumbai.
Ishmeet had Nov 26 last year won the 'Voice of India' singing contest, pipping his closest rival Harshit from Uttar Pradesh in a keen contest. He was given the winner's trophy by melody queen Lata Mangeshkar.
Supporters of the singer voted heavily for him from Punjab during the finals of the contest. Even though Harshit led the votes tally in most regions of the country, the final count went in Ishmeet's favour due to heavy voting from Punjab.
"He was like a brother to me. I cannot even comment on what has happened. I cannot believe that he is no longer with us," fellow contestant Harshit told a TV news channel. Avdhoot Investment
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