Credit Cards or Travelers Cheques?

You can use credit cards for transactions abroad, but it is definitely not one of the cheapest options. There is a hidden cost involved in the form of exchange rates. You may do well, sticking to travelers checks as they are cheaper.

Read the fine print:
Credit card conditions can be pretty dicey. When you come across things like an asterisk or “conditions apply” understand that the offer that you are in for, or the rebate points that you can win, has a certain amount of condition attached to it. Make it a habit to read the fine print of the card document before you sign for it and approve it. Fine print will allow you to understand the hidden costs and other charges.

Pay attention to credit limit:
Credit limit is the maximum amount for which you can use your credit card. If you want to use above and over this credit limit, you will be charged “over the limit” charges, i.e.; if the banks allows you to use the credit card above the pre-determined limit.

Do not use credit card for withdrawing cash

Do not use your credit card for withdrawing cash, though you can use it for the same. If you are using your credit card to buy things on credit, you have a certain thing called “grace period” in which you can return the money without being charged interest. But if you withdraw cash from the ATM using your credit card, interest is charged at a higher rate, and that also from the same day, the cash is withdrawn. There is also a cash withdrawal fee for withdrawing cash from the banks using a credit card, which can range from Rs. 200-Rs. 500.

Health Insurance for Swine Flu

Making a claim for Swine Flu Health Insurance: Your health insurance policy would most likely be a cashless policy. If your health insurance does not have a list of empanelled hospitals, you will have to get in touch with your Third Party Administrator (TPA) whose number will be on the card. Typically, if you go to the hospital that does not come under the network, you will have to foot the bills yourself and then ask the TPA for reimbursements.

Travel Insurance for Swine Flu: Your travel insurance policy can be handy if you happen to catch swine flu while travelling. Standard travel insurance consists of a health-cum-personal accident policy in addition to other covers that cater to baggage and flight inconveniences. Make sure that there is no travel advisory in relation to swine flu for the place you are visiting. So, if you happen to travel to a place much against a travel advisory, the insurer will not give you the monetary benefit.

Find how to file a claim for Swine Flu Health Insurance

Plastic surgery covered in health insurance?

Travel Insurance for Swine Flu: Your travel insurance policy can be handy if you happen to catch swine flu while travelling. Standard travel insurance consists of a health-cum-personal accident policy in addition to other covers that cater to baggage and flight inconveniences. Make sure that there is no travel advisory in relation to swine flu for the place you are visiting. So, if you happen to travel to a place much against a travel advisory, the insurer will not give you the monetary benefit.

Health insurance policies do not cover expenses arising out of plastic surgery, cosmetic surgery or elective surgery done under normal circumstances. So that means, if you are getting plastic surgery done to improve your facial structure, the expenses incurred will not be covered in plastic surgery.

There is only one condition where the health insurance can cover plastic surgery expenses: when the surgery is done to correct a facial distortion that is a result of injury due to accident. Also make sure such a thing is mentioned in the exclusion list of the policy.