Health + Life Insurance

[Identity]

Health + Life Insurance දාල තියෙන අයගෙන් පොඩි උදව්වක් ඕන.

මට හම්බෙලා තියෙන quotation එකේ තියෙන්නෙ මෙහෙමයි

Term: 30 Years

Main Life:
Hospital cover: 500,000
Per day room charges: 10,000

Hospitalization benefit (covering 180 days): 3500 (per day)

Covering 36 critical illness: 500,000

Loss of life due to natural cause: 2.2M
Loss of life due to an accident: 6.2M

Partner:
Hospital cover: 500,000
Per day room charges: 10,000

Hospitalization benefit to spouse(covering 180 days): 3500 (per day)

Covering 36 critical illness: 500,000
Maternity expense: 50,000

-----------------------------------------------------------------------------

මීට අමතරව Pharmacy එකෙන් බෙහෙත් ගන්න එක්කෙනෙක්ට අවුරුද්දකට 5,000 ගානෙ
ඇස් කණ්නාඩි වලට එක්කෙනෙක්ට අවුරුද්දකට: 10,000 ගානෙ

No claim bonus: 25% (hospital cover increase up-to 1M)

Maturity value after 30 years: 3.9M

Monthly premium: 11,800/-

දන්න අය පොඩ්ඩක් මේකෙ වාසි අවාසි කියාගෙන යන්න. තව මොනවද විශේෂයෙන් බලන්න ඕන දේවල් වගෙ

 

[shiwankaswe]

Uba mokenda me quotation aka gaththe?

 

[senewimala1988]

Wasi wage. Kohenda gaththe.?

 

[Identity]

Uba mokenda me quotation aka gaththe?

Wasi wage. Kohenda gaththe.?

Meka Softlogic Life

 

[Die-hard]

11800*12*30 = 4248000
Maturity value after 30 years: 3.9M

 

[Sam Walton]

Few things Machg


Increase the value of this "Covering 36 critical illness: 500,000" to Rs.15,00,000/-

Read the terms and conditions at least 10 times

Examples
what will happen to other benefits if you are diagnosed with one of the above 36 illnesses?
When it comes to the Hospital cover, what are expenses they cover and what don't ? Do they cover tests before hospitalisation or only after?
What will happen to "Hospitalization benefit" after 10 years? Do they pay same Rs.3,500 per day?

Read terms and conditions machg.

In General, this quotation seems reasonable

This is from Softlogic, right?

 

[Sam Walton]

11800*12*30 = 4248000
Maturity value after 30 years: 3.9M

This is excluding bonuses I think..

 

[thinking_guy]

This is excluding bonuses I think..

Yes, It must be excluding the maturity bonus. However, in 30 years Rs. 3.9 M
would worth something around 0.9 M or less due to inflation. The only gain is
for the insurance company which is due to the time value of money.

Hence, a health insurance should not be considered as an investment. It is there
only to mitigate the risk. (At least to make us comfort by thinking so.)

https://inflationdata.com/Inflation/Inflation_Calculators/Cumulative_Inflation_Calculator.aspx

 

[Sam Walton]

Yes, It must be excluding the maturity bonus. However, in 30 years Rs. 3.9 M
would worth something around 0.9 M or less due to inflation. The only gain is
for the insurance company which is due to the time value of money.

Hence, a health insurance should not be considered as an investment. It is there
only to mitigate the risk. (At least to make us comfort by thinking so.)

https://inflationdata.com/Inflation/Inflation_Calculators/Cumulative_Inflation_Calculator.aspx

Ya true machg

 

[ruchira55]

Okun hina wela gahana baila wage newe claim karanna giyama okunge moone leepodak na. Ahana prashnawalatai documents walatai heart attack hadenawa.

 

[Identity]

11800*12*30 = 4248000
Maturity value after 30 years: 3.9M

But who pays the hospital bills for 30 years

Few things Machg


Increase the value of this "Covering 36 critical illness: 500,000" to Rs.15,00,000/-

Read the terms and conditions at least 10 times

Examples
what will happen to other benefits if you are diagnosed with one of the above 36 illnesses?
When it comes to the Hospital cover, what are expenses they cover and what don't ? Do they cover tests before hospitalisation or only after?
What will happen to "Hospitalization benefit" after 10 years? Do they pay same Rs.3,500 per day?

Read terms and conditions machg.

In General, this quotation seems reasonable

This is from Softlogic, right?

Thanks Bro!

I will ask this question "what will happen to other benefits if you are diagnosed with one of the above 36 illnesses? "

When it comes to the Hospital cover, what are expenses they cover and what don't ? Do they cover tests before hospitalisation or only after?

1. Hospital bill they cover including tests (after admitting)
2. Also they cover 30 days back for diagnosing
3. Vat for Room Charges, we have to pay

I think "Hospitalization benefit" will not be increased. It's just an additional thing to cover extra costs (for example, we can cover VAT charges). Will ask and see, thanks for those points.

 

[CustomerSupport]

When you pay for health insurance when the country provides free health care, you are ruining it for every one else.

What is the percentage of the monthly premium compared to your month income? If your premium is 11,000, you must be making at least 220,000 for a health insurance to make sense.

For example in last year, I have spent about €80 for health care (2 doctor visits plus some meds). This is one months premium in your plan.

Also take inflation to account. Sri Lanka is fucked up and has over 5% inflation, which means you will be getting peanuts if you are hospitalized. You will also pay a few peanuts, but at this point, you are paying a little for health Care that hasdoesnt meaningfully cover any thing. This is the sweet spot for insurance companies because you pay upfront for the risk the insurance company can pay off easily. So could you, if you had invested that money somewhere else.

No wonder Aarshikland citizens go for bank FDs and cooked up insurance plans.

 

[P o o L]

 

[Identity]

Okun hina wela gahana baila wage newe claim karanna giyama okunge moone leepodak na. Ahana prashnawalatai documents walatai heart attack hadenawa.

hora karala nam claim ganna ba. e arunama claims nodi inne na

 

[Alucard_SxE]

When you pay for health insurance when the country provides free health care, you are ruining it for every one else.

No wonder Aarshikland citizens go for bank FDs and cooked up insurance plans.

Life insurance is a whole differnt story

 

[P o o L]

15y කල්පිරෙන එක නැද්ද?

 

[Identity]

15y කල්පිරෙන එක නැද්ද?

Kalaya adu unama maseta gewanna thiyena gana wedi wenawa

 

[sithija.h]

මාත් ළඟදි ගත්ත බං Insurance එකක්. කළින් මේකෙ ඉන්ෂුවරන්ස් ගැන අහල තිබ්බ ත්‍රෙඩ් එකක මම විස්තර දැම්ම.


මම ගත්තෙ SLIC එකෙන් බං.
Monthly Premium එක 21,808
Card එකක් ලැබෙනව Private Hospital වල බිල ක්ලේම් කරන්න අවුරුද්දට ලක්ෂ 15ක් පුලුවන් තව රජයේ හෝ ප්‍රයිවෙට් ඕනම එකක නැවතිලා ඉන්න දවසකට රු12,500ක් ගෙවනව. ICU හිටියොත් 25,000ක් ගෙවනව.


Maturity එකේදි 3,150,000+Bonus ලැබෙනව.


තාම කිසිම ක්ලේම් එකක් නම් කරේ නෑ බං. මාස 2කට කිට්ටුයි වගේ අරගෙන.

 

[P o o L]

Kalaya adu unama maseta gewanna thiyena gana wedi wenawa

oh. අහ් ගිය අවුරුද්දෙ කෙනෙක් දාලා තිබ්බා හය දාහස් ගාණකට අවුරුදු 15ක එකක් ඒකයි ඇහුවෙ.
ඕක දාන්නත් වයසක් තියද බන්?
ඒ කියන්නෙ 30 අඩු 40 අඩු වගේ .

 

[sithija.h]

oh.
ඕක දාන්නත් වයසක් තියද බන්?
ඒ කියන්නෙ 30 අඩු 40 අඩු වගේ .

SLIC එකේ නම් මට Agent කාරය කිව්ව විදියට වයස වැඩි වෙද්දි ගාණත් හොඳටම වැඩි වෙනව(උංගෙ අවදානම වැඩි නිසා වෙන්න ඇති බං). ඒ වගේම අර මම කිව්ව වගේ ලක්ෂ 15 කාඩ් 50-60 පැනපු අයට දෙන්නෙත් නෑ කිව්ව කම්පැනි එකෙන්.