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The Insurance Regulatory and Development Authority (Irda) is looking to do away with the age limit for purchasing insurance policies. Even as the proposal is still at a nascent stage, the regulator is in the process of clearing products targeted at senior citizens.
By allowing policyholders to renew policies at any age, Irda has already taken the first step to make health policies 'age free'. It had recently made it mandatory for policies to have a "life long" renewal clause. This means once a health insurance policy is issued, insurers would be obliged to continue renewing such policies during the policyholder's lifetime. However, the entry age barrier remains.
Meanwhile, some general insurance companies have already started applying for an 'age-free' policy. For instance, Apollo Munich Insurance applied for such a policy a few months back and is awaiting approval.
L&T Insurance, on the other hand, has an interesting variant which permits lifetime renewal but mandates a co payer after the age of 70. Even ICICI Lombard is looking at a lifetime renewal policy.
Other insurance companies are expected to follow suit or add necessary clauses in their existing portfolio of products. At present, the entry age for most existing health insurance plans is capped at 65 years.
When contacted, Irda chairman J Hari Narayan said there had been discussions about removing the entry age gap. "However, there are no concrete plans as of now," he said.
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Invest in Tax Saving Mutual Funds ( ELSS Mutual Funds ) to upto Rs 1 lakh and Save tax under Section 80C.
Invest Tax Saving Mutual Funds Online
Tax Saving Mutual Funds Online
These links can be used to Purchase Mutual Funds Online that are regular also (Investment, non-tax saving)
Download Tax Saving Mutual Fund Application Forms from all AMCs
Download Tax Saving Mutual Fund Applications
These Application Forms can be used for buying regular mutual funds also
Some of the best Tax Saving Mutual Funds available ( ELSS Mutual Funds )
- HDFC TaxSaver
- ICICI Prudential Tax Plan
- DSP BlackRock Tax Saver Fund
- Birla Sun Life Tax Relief '96
- Reliance Tax Saver (ELSS) Fund
- IDFC Tax Advantage (ELSS) Fund
- SBI Magnum Tax Gain Scheme 1993
- Sundaram Tax Saver
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Current open Infra Bond Application form
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