Moneywise

Insurance: Mediclaim Insurance For Sr.Citizens.

By Sathish Kumar C – 98401 89123 / 24343672 / 42128243 / sathishcapricorn@gmail.com

Mediclaim Insurance for the aged : Medical insurance for people in the age of 60-69 (if
interested) can buy an mediclaim insurance policy for an sum insured of Rs.1,00,000/- or
Rs.2,00,000/- only and what follows is the most interesting as these features are not available
with most of the insurance companies in India. The premium for Rs.1.00 lac sum insured is
Rs.4750/- and for Rs.2.00 lacs is Rs.9500/- only p.a.. No medical examination is required. The
highlight of the policy is it includes all pre existing diseases or illnesses right from the day 31
of the insurance policy being contracted or issued, provided the same ie.the illnesses for which
claims are preferred are not contracted by the patient during the 12 month period prior to the
issue date of the policy. With regards to the claims settlement under these policies issued there
are some conditions which apply such as the first loss coverage and restrictions on room rents
etc., (for further details contact the above mentioned number or 24343672 / 42128243. or mail
me at sathishcapricorn@hotmail.com / sathishcapricorn @gmail.com

Tips for better management of medical risks: In today’s scenario employees working in
various companies purely depend on the group mediclaim cover provided by their employer. Over
a period of time many tend to change jobs, many leave to destinations abroad for greener
pastures, some leave to pursue business on their own. Now-a-days it is hard to find people
working with the same organization for more than 5 years together. Hence what are the risks in
case of the above options happening in your life too?

1. You may not get the same type of cover what you have got or what you were getting with your
previous employer, since some employers cover only the employees with or without the
spouse/children /parents. At such times when you shift or leave the jobs your beloved dependants
may be left out without an insurance cover.

2. At such time when you want to propose a cover for them conditions like pre existing exclusions,
first two years exclusions, restricted covers, age restrictions, also they may be uninsurable due to
various factors leaving you with unexpected expenses damaging your wallets and bank balances.

Hence my humble advice and the right choice for you is to run a medical insurance portfolio for
you and as well all your family members separately by paying the necessary premiums, absolutely
independent of the coverage extended by your employer, so as to provide uninterrupted coverage
for the life time of your family members, irrespective of your job risks and benefits there upon..
Better late than never. Become Penny Wise and Pound Wise.
Call TRADEWISE for your clarifications and services. Contact : sathishcapricorn@hotmail.com.
9840189123.

InvestmentsWise : – (for further details and forms please contact, sathishcapricorn@gmail.com /
sathishcapricorn@hotmail.com

A Golden Opportunity to invest in L&T Group Company !!

L&T Finance Ltd., has come out with an IPO of Secured Redeemable NCD for Rs.1000 Crs ( Rs.500
Crs. with an option to retain oversubscription up to Rs.500 Crs. ).

IPO opens on 18/08/09.
Tenor – 60, 88 & 120 months.
Very attractive interest rates – 10.24% for 120 months ( against the prevailing interest rates of
around 8% in the market for other instruments)
Minimum investment Rs.10,000/- & Maximum investment under retail category Rs.1 Lac.
Retail Category restricted ONLY to Individuals & HUFs.
NO TDS – whatever may be the investment amount.

CARE AA+ rating by CARE & LAA+ rating by ICRA.

Demat account is mandatory as allotment is only on electronic mode.
Allotment on “First Come First Serve” basis.
Listing in NSE – to ensure any time liquidity.
Contact for forms and other details sathishcapricorn@gmail.com or 24343672 / 42128243 / 9840189123

By Sathish Kumar C – 98401 89123 / 24343672 / 42128243 / sathishcapricorn@gmail.com
Contact for forms and other details sathishcapricorn@gmail.com or 24343672 / 42128243 / 9840189123

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For more details contact: Sathish Kumar C – 98401 89123 / 24343672 / 42128243 /
sathishcapricorn@gmail.com
Contact for forms and other details sathishcapricorn@gmail.com or 24343672 / 42128243 / 98401
89123

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