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Type: Posts; User: Naresh

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  1. Go with Apollo Munich. I had a bad experience...

    Go with Apollo Munich. I had a bad experience with BAJAJ Allianz.
  2. There is no penalty on surrender of this plan...

    There is no penalty on surrender of this plan ONLY after 6 years of policy. You have just paid premium for 2.5 Years, so if you surrender it now you have to pay panelty. You can opt for Premium...
  3. Replies
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    3,195

    Stop Franklin US Opportunity Fund & Franklin...

    Stop Franklin US Opportunity Fund & Franklin India Blue chip SIP and invest more in HDFC Top 200 and IDFC Premier Equity.
  4. Yes, Because each company has tie-ups with...

    Yes, Because each company has tie-ups with hospitals in all the cities in India.
  5. There is no limit as per policy terms &...

    There is no limit as per policy terms & condtions. But now a days Pvt. company cancel the policy just after 2-3 claims (If big amount claims). I had a bad experience with TATA-AIG.
  6. Thread: MFs Vs ULIPs

    by Naresh
    Replies
    49
    Views
    19,940

    There is no single rule that is always true. This...

    There is no single rule that is always true. This is one among that. Why I say don't invest in ULIP is because most investors choose ULIPs for wrong reason.

    The wrong reasons that the agents use...
  7. Any additional qualification will add knowledge...

    Any additional qualification will add knowledge and value to your CV. So all good.
  8. Replies
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    4,898

    NISM-Series-V-A: MFD Examination fee is Rupees...

    NISM-Series-V-A: MFD Examination fee is Rupees Thousand only (Rs. 1000/-). For other course fee please see their website.

    No discount.
  9. Replies
    2
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    2,124

    It depends on the MF company. I have applied for...

    It depends on the MF company. I have applied for two MFs - DSP BlackRock and HDFC MF, for HDFC MF, I have received MF statement by post and for DSP by online. So check with MF customer care.
  10. Replies
    4
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    4,050

    MF managers are smart enough to keep that thing...

    MF managers are smart enough to keep that thing in their mind while investing in shares. So don't worry keep investing in SIP.
  11. Replies
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    13,115

    Retail limit = Rs. 1,00,000/- No idea.

    Retail limit = Rs. 1,00,000/-

    No idea.
  12. Replies
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    13,115

    You will get 5% discount on Rs. 225- Rs. 245...

    You will get 5% discount on Rs. 225- Rs. 245 price bank, if you apply as Retail and employee category.
  13. Replies
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    2,725

    You check yourself at www.loma.org or contact...

    You check yourself at www.loma.org
    or contact Loma Directors in India -

    Girish Malhotra
    Director
    Phone: 91 1244 354000
    Fax: 91 1244 35 4001
    E-mail: gmalhotra@limra.com

    Vijay Raghavan
  14. Replies
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    2,918

    Give this example - If he wanted to buy any...

    Give this example - If he wanted to buy any property then he needs to cover himself by term insurance. More young he is the premium rate is less for him.
  15. Any pre-existing disease won't be covered in the...

    Any pre-existing disease won't be covered in the policy. And insurance is not to make profit out of it, so its also against basic principle of insurance.
  16. Your premium will be refunded on the basis of...

    Your premium will be refunded on the basis of Short Period basis.
    What is Short Period Refund?
    Short-Period cancellation means you will receive a pro-rated refund minus a penalty. The penalty...
  17. Insurance cover will be ceased on the day the...

    Insurance cover will be ceased on the day the transfer of property happens. Just inform your insurer. He will cancel your policy and send you the refund.
  18. Replies
    4
    Views
    4,999

    Yeah! Its good but do we need such fast service....

    Yeah! Its good but do we need such fast service. Before typing in you starts getting results?
  19. Replies
    2
    Views
    4,358

    I have checked the plan on Reliance Life website...

    I have checked the plan on Reliance Life website and found it's good health plan. Some coverage provided by plan -

    Cashless facility at 4000 hospitals across the country
    Single sum assured...
  20. Replies
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    16,389

    Professionalism is 20% talent and 80% practise....

    Professionalism is 20% talent and 80% practise. And without discipline, both are worthless.
    If the truth hurts, you're doing something wrong!
  21. Anything disease, you know, you are having at the...

    Anything disease, you know, you are having at the time of filling the proposal form. Don't pass pre judgement that its very small like over weight, it may effect the underwriting of the company.
  22. You also check following thread -...

    You also check following thread -
    http://www.policywala.com/showthread.php/832-Mediclaim-policy-Pre-existing-diseases?...
  23. Pre-existing disease canbe covered after 4 years....

    Pre-existing disease canbe covered after 4 years. Some Exclusions for Preexisting diseases -
    a) Exclusion of certain named diseases in the first year of the policy.
    b) Congenital external disease,...
  24. Thread: Jokes

    by Naresh
    Replies
    61
    Views
    27,245

    Sticky: Kalmadi: Where is SHERA Shiela Dixit: I sent him...

    Kalmadi: Where is SHERA
    Shiela Dixit: I sent him to Zoo.

    Kalmadi: Why
    Shiela Dixit: He was injured by your False Ceiling. :rolleyes:

    Kalmadi: Kabaddi Kabaddi Kabaddi :eek:
    Shiela Dixit:...
  25. Thread: MFs Vs ULIPs

    by Naresh
    Replies
    49
    Views
    19,940

    Key features of ULIPs: Combination of...

    Key features of ULIPs:

    Combination of investment + insurance.
    Long-term, systematic and goal-based investment.
    Automatic asset allocation/Diversification in several asset classes.
    ...
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