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In order to increase its presence in the insurance segment, financial services provider Religare today signed an agreement with global reinsurer Swiss Re to set up a 74:26 joint venture for health insurance. The joint venture now awaits approval from the Insurance Regulatory and Development Authority (Irda) and plans to roll out operations by the fourth quarter of the current financial year.

The joint venture plans to infuse Rs 500 crore. A minimum of Rs 100 crore is needed to set up a non-life insurance company.

Insurers are trying to tap the health segment as they consider it underpenetrated. This segment has been logging a growth of over 37 per cent since 2002. Both life and non-life insurers are trying to tap this market. Despite low penetration, the claim ratio in the segment is high (around 140 per cent).

At present, there are two specialised health insurance companies, Star Allied Health Insurance and Apollo DKV. Another private sector player Max New York Life has formed a JV with UK-based British United Provident Association (Bupa) to roll out its health insurance business, Max Bupa.

Religare entered into the insurance space with Aegon, the Netherland-based insurance company, for a life insurance joint venture. It is also present in asset management, wealth management, equity broking, commodity broking, investment banking, private equity and venture capital. Recently, it entered into the housing finance business by acquiring a 87.5 per cent in Maharishi Housing Finance Corporation. Religare has been promoted by the Singh family, which till recently owned Ranbaxy Laboratories.

“Religare is very pleased with the proposed joint venture and it is a clear recognition of our vast distribution capabilities in India and our domain expertise in the healthcare sector through our other group businesses,” said Religare CEO & MD Sunil Godhwani.

“Swiss Re’s interest in a health insurance joint venture is also a natural extension of leveraging our actuarial and underwriting expertise in the important Indian market,” said Christian Mumenthaler, Swiss Re executive board member and head of life & health underwriting.

In 2007-08, the country’s health insurance industry had collected Rs 5,100 crore in premium income. This segment has seen a compounded annual growth rate of around 40 per cent in the six years till 2007-08. It is one of the country’s fastest-growing non-life insurance segments.

Compare Auto, Homeowner, Health Insurance Quotes

Everyone knows that insurance premiums can be affected by your credit history or perhaps a spotty driving record in the case of auto insurance. But few people realize that an insurance company’s loss experience is one of the biggest factors for determining how much they will pay for coverage. How so? Well, say for example an insurance company paid out a large amount of homeowner insurance claims due to a particularly catastrophic year of floods and fire damage. The same insurance company may also provide auto insurance coverage. To compensate for the losses experienced under their home owner insurance division, they may raise premiums for their car insurance customers even if they had no accidents or tickets. Or, they could simply increase the insurance prices for house insurance policyholders in another state.

Insurance is a business, and like any other business it needs to generate profit. Monetary losses from an excessive amount of insurance claims are usually shifted to the consumer in the package of higher insurance premiums. If the insurance company had an extremely profitable year, they may lower rates to attract more customers and increase the number of policyholders they have. For this reason, insurance rates vary greatly from one company to another.

Health and life insurance rates are very low right now in this competitive insurance industry. However, some health and life insurance companies offer low initial rates to gain insurance customers and then gradually increase these teaser insurance rates over time. The best way to ensure you are getting the best price for your insurance needs is to review your policy rates regularly and compare them against what other competing insurance companies are offering. You can do this by requesting insurance quotes from multiple insurance companies.

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We know that loving and caring for children doesn’t stop at school graduation. With the joy and excitement of sending a child off to college come a new set of parental responsibilities that encompasses everything from financial aid to finding affordable housing. Another consideration is making sure adequate college student health insurance is in place for college-bound children.

As difficult as it may be to think about taking on an additional expense when facing tuition and book fees, making sure a student’s health care is covered is as necessary as registering for classes. College students often look for ways to cut expenses, and sometimes gamble with their health insurance as a way to pinch a few pennies. A recent survey by Commonwealth Fund Task Force revealed that 10 percent of students would opt out of paying for their health insurance if they could. The same study also showed that people ages 19 to 29 are twice as likely to be without health care coverage than children and senior citizens, and the number of uninsured young people in this age bracket has increased from 22 to 30 percent. [Read the rest of this entry...]

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Getting A good health insurance plan definitely involves the cost, Choosing a low cost Health insurance does not helps in real scenarios. But we can find good affordable health insurance plan with a little smart shopping. Affordable Health insurance plans gives you access to health care as well as the health care is affordable. Health plan wont complete all your medical needs.
Important health plan features that affect how much of those costs you’ll be responsible for include:
• Premiums. This is cost of keeping your plan in effect. Premiums are usually paid on a monthly basis. When you’re looking at plan premiums, keep in mind that what you’re seeing is a base price for the plan. Your premium could be adjusted based on your age and health status. Insurance companies call this “rating.” People who lead healthier lifestyles get more affordable premiums.
[Read the rest of this entry...]

Accept it or not, you’re losing huge sums in your car insurance because of a few things you don’t know.

How do insurers calculate your rates? They do this by finding out your risk level. There are indicators that assist them in doing it (You should know that’s why you have to complete a form). Insurance companies, nevertheless, disagree on the relative weighting they give to each of these indicators. In this disparity lies the key to the huge savings that you can get

If you want cheap motor insurance then you must make sure you take some time out to read and understand the things that shape your rates. [Read the rest of this entry...]

With the advent of the Internet you can now go online and get medical insurance quotes in just a matter of minutes. The easiest way to do this is to go to an insurance comparison website where you fill out a single questionnaire to get multiple quotes from different companies. It’s quick, it’s easy, and it’s free.

Medical insurance contains  several options to choose,  All plans differ in their offerings that you have to pay, and how easy the services are to access. Below points will help you to determine the best medical insurance coverage.

Firstly, you will find that medical insurance plans are of two types:

1. Either that of compensation, which is basically fee-for-service plans.

2. Or managed care which is basically an agreement to have a certain doctor look after your needs. [Read the rest of this entry...]

Choosing the right life insurance that suits your needs is simple once you’ve studied your options thoroughly. Utilize the Internet’s resources to educate yourself about life insurance basics. Factor in your personal situation, present debts and future liabilities and you will be able to gauge how much life coverage your family would need.

Many online insurance quote providers can help you with your queries and offer professional advice on choosing the right policy for your particular situation. And once you factored in all the scenarios, and have numerous term life policies to evaluate, choosing a life insurance not only becomes easy, but beneficial too. [Read the rest of this entry...]

Are you looking for the cheapest car insurance? If so, you are not alone. You see, many people are looking for car insurance that won’t break their wallet in premiums. No doubt you’d like to find a great policy that won’t cost a huge amount of money.

Don’t be discouraged, because cheap car insurance really does exist. However, when you are looking for car insurance for a cheap price, there are several things you need to keep in mind before making your final decision.

Compare the same types of coverage - When you are looking for the best deal on your car insurance and you are checking out various companies, make sure that you are comparing coverage types that are the same. What is the point in comparing one low quote that doesn’t pay out as much medical expense reimbursements to another more expensive quote that does? [Read the rest of this entry...]