PERSONAL FINANCEÂ Â Â Â FINANCIAL PLANNINGÂ Â Â Â Â Â Â TAX PLANNINGÂ Â Â BANK ACCOUNTSÂ Â Â Â Â CREDIT CARDSÂ Â Â Â Â Â INSURANCEÂ Â Â Â Â DEPOSITSÂ Â Â Â Â STOCKSÂ Â Â Â Â Â Â Â Â MUTUAL FUNDSÂÂ RETIREE BANKERS HEALTH INSURANCE -IBA GROUP POLICY
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​No one should have to choose between medicine and other necessities. No one should have to use the emergency room every time a child gets sick. And no one should have to live in constant fear that a medical problem will become a financial crisis.
                                         -  Brad Henry
WHICH IS BETTER IBA GROUP POLICY OR AROGYA SANJEEVANI ?
FOR NEWS OF INTEREST TO BANKERS AND RETIREESÂ , CLICK HEREÂ Â Â
​To know complete details of  Arogya Sanjeevani Plan promoted by IRDAI , CLICK HEREÂ
​To know complete details of  Arogya Sanjeevani Plan promoted by IRDAI , CLICK HEREÂ
UPDATE DATED 23.09.2022 : Since National Insurance Company has  relaxed certain conditions and revised the scheme for the year 2022-23Â
  Synopsis :Â
IBA Group policy  :Â
 Indian Bankers Association ( IBA ) is arranging health insurance  for the employees of the member banks as well as to their retirees every year . Present group policy , which is a family floater policy , is taken by the IBA with a public sector undertaking United India Insurance Co Limited ( UIIC ) which will expire on 30.09.2020 for employees and 31.10.2020 for the retirees .Â
Every year IBA calls for fresh quotations from insurance companies and finalizes with the company which offers best premium with favourable terms and conditions . Hence the retirees wait with anxiety about the renewal conditions and pricing without any assurance whether the policy would be renewed or not at an affordable price . Â
 The renewal policy for the next year will be issued by National insurance company , another public sector undertaking . The premium in the new renewal is slightly lower than the current premium paid . While banks are meeting the cost of insurance premium for the employees , retirees are made to pay for themselves  . As the cost of insurance was raising every year and many retirees  had opted out of the  scheme earlier as they found it not affordable . Now retirees who have opted out earlier is given one more chance to take up the group insurance from 01.11.2022 . Policy allows top-up for an additional premium .  The policy can be taken now . Â
 Updated 09.10.2020 :  The  updated  terms and conditions for renewal of the group policy   for the year 2020-21 ( cover commences from 01.11.2020 )  are as follows :Â
1. The retiree award staff can take  insurance of basic cover with Rs 1.00 lakh , 2.00 lakh or 3.00 lakhsÂ
2.  The retiree bank officers / executives can take  insurance of basic cover with Rs 1.00 lakh , 2.00 lakh ,  3.00 lakhs or Rs 4.00 lakhsÂ
3. super top cover between Rs 1 , 2 , 3 , or 4 lakhs will be available only for policies with basic cover of Rs 3.00 lakhsÂ
4.  super top cover between Rs 1 , 2 , 3 , 4 or 5 lakhs will be available only for policies with basic cover of Rs 4.00 lakhs Â
5 Super top cover will not be available for policies with basic cover of Rs 1.00 lakh or RS 2 lakh .Â
6 . Retirees who have opted out of the scheme can join the scheme .Â
7 . Earlier who had not taken super top policy , now they can opt for it . Â
8. Irrespective of what  policy taken earlier and the age of the retiree , retirees now can exercise fresh option .Â
9 . Room rent will be allowed maximum of Rs 1,500 per day for policies with base cover of Rs 1 lakh and ICU charges will be restricted to Rs 2,000 per day
10 . Room rent will be allowed maximum of Rs 3,000 per day for policies with base cover of Rs 1 lakh and ICU charges will be restricted to Rs 4,000 per day Â
11. However Room rent will  continue to be maximum of Rs 5,000 per day for policies with base cover of Rs 3 lakhand Rs 4 lakhs and ICU charges will continue to be restricted to Rs 7,500 per dayÂ
​12. Domiciliary coverage will be 10 % of the basic covered  onlyÂ
​
Arogya Sanjeevani plan : Â
 Insurance Regulatory & Development Authority of India ( IRDAI ) had come out with a standard  common health insurance policy to be mandatorily  issued by all insurance companies licensed to issue health policies . The policy is called  AROGYA SANJEEVANI POLICY . Though Plan will have common features , premiums can be decided by individual insurance companies . The policy is available for cover ranging from Rs 1.00 lakh to Rs 5.00 lakhs . Maximum entry age is 65 years and hence retirees up to the age of 65 years may have a look in to the plan .Â
 We  are comparing some of the features of the two policies below  and check whether Arogya Sanjeevani policy can be used as an alternative  by the retirees who want to opt out of the group scheme or who have already opted out .Â
 We have compared premium charts of various insurance companies for Arogya Sanjeevani Plan . Hence we have taken the premium quoted by Universal Sompo Insurance company for comparison .  Other insurance companies have also come out with their premium chart in  . As Arogya Sanjeevani plan is portable , one can port the Arogya Sanjeevani insurance taken to any  other insurance company if they find others are cheaper or more convenient .  We have also have compared the premiums quoted by various insurance companies for Arogya Sanjeevani plans , which can be read hereÂ
IBA Group policy  :Â
 Indian Bankers Association ( IBA ) is arranging health insurance  for the employees of the member banks as well as to their retirees every year . Present group policy , which is a family floater policy , is taken by the IBA with a public sector undertaking United India Insurance Co Limited ( UIIC ) which will expire on 30.09.2020 for employees and 31.10.2020 for the retirees .Â
Every year IBA calls for fresh quotations from insurance companies and finalizes with the company which offers best premium with favourable terms and conditions . Hence the retirees wait with anxiety about the renewal conditions and pricing without any assurance whether the policy would be renewed or not at an affordable price . Â
 The renewal policy for the next year will be issued by National insurance company , another public sector undertaking . The premium in the new renewal is slightly lower than the current premium paid . While banks are meeting the cost of insurance premium for the employees , retirees are made to pay for themselves  . As the cost of insurance was raising every year and many retirees  had opted out of the  scheme earlier as they found it not affordable . Now retirees who have opted out earlier is given one more chance to take up the group insurance from 01.11.2022 . Policy allows top-up for an additional premium .  The policy can be taken now . Â
 Updated 09.10.2020 :  The  updated  terms and conditions for renewal of the group policy   for the year 2020-21 ( cover commences from 01.11.2020 )  are as follows :Â
1. The retiree award staff can take  insurance of basic cover with Rs 1.00 lakh , 2.00 lakh or 3.00 lakhsÂ
2.  The retiree bank officers / executives can take  insurance of basic cover with Rs 1.00 lakh , 2.00 lakh ,  3.00 lakhs or Rs 4.00 lakhsÂ
3. super top cover between Rs 1 , 2 , 3 , or 4 lakhs will be available only for policies with basic cover of Rs 3.00 lakhsÂ
4.  super top cover between Rs 1 , 2 , 3 , 4 or 5 lakhs will be available only for policies with basic cover of Rs 4.00 lakhs Â
5 Super top cover will not be available for policies with basic cover of Rs 1.00 lakh or RS 2 lakh .Â
6 . Retirees who have opted out of the scheme can join the scheme .Â
7 . Earlier who had not taken super top policy , now they can opt for it . Â
8. Irrespective of what  policy taken earlier and the age of the retiree , retirees now can exercise fresh option .Â
9 . Room rent will be allowed maximum of Rs 1,500 per day for policies with base cover of Rs 1 lakh and ICU charges will be restricted to Rs 2,000 per day
10 . Room rent will be allowed maximum of Rs 3,000 per day for policies with base cover of Rs 1 lakh and ICU charges will be restricted to Rs 4,000 per day Â
11. However Room rent will  continue to be maximum of Rs 5,000 per day for policies with base cover of Rs 3 lakhand Rs 4 lakhs and ICU charges will continue to be restricted to Rs 7,500 per dayÂ
​12. Domiciliary coverage will be 10 % of the basic covered  onlyÂ
​
Arogya Sanjeevani plan : Â
 Insurance Regulatory & Development Authority of India ( IRDAI ) had come out with a standard  common health insurance policy to be mandatorily  issued by all insurance companies licensed to issue health policies . The policy is called  AROGYA SANJEEVANI POLICY . Though Plan will have common features , premiums can be decided by individual insurance companies . The policy is available for cover ranging from Rs 1.00 lakh to Rs 5.00 lakhs . Maximum entry age is 65 years and hence retirees up to the age of 65 years may have a look in to the plan .Â
 We  are comparing some of the features of the two policies below  and check whether Arogya Sanjeevani policy can be used as an alternative  by the retirees who want to opt out of the group scheme or who have already opted out .Â
 We have compared premium charts of various insurance companies for Arogya Sanjeevani Plan . Hence we have taken the premium quoted by Universal Sompo Insurance company for comparison .  Other insurance companies have also come out with their premium chart in  . As Arogya Sanjeevani plan is portable , one can port the Arogya Sanjeevani insurance taken to any  other insurance company if they find others are cheaper or more convenient .  We have also have compared the premiums quoted by various insurance companies for Arogya Sanjeevani plans , which can be read hereÂ
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KNOW  ABOUT  TAX ON RETIREMENT BENEFITS  , CLICK HEREÂ
FOR INCOME TAX NEWS   , CLICK HERE    NEWS ON INTEREST RATES  CLICK HERE Â
​ARTICLE ON INVESTMENT OPTIONS  FOR RETIREES  ,   CLICK HERE    WHAT IS SYSTEMATIC INVESTMENT PLAN  ?   CLICK HERE Â
​
FOR INCOME TAX NEWS   , CLICK HERE    NEWS ON INTEREST RATES  CLICK HERE Â
​ARTICLE ON INVESTMENT OPTIONS  FOR RETIREES  ,   CLICK HERE    WHAT IS SYSTEMATIC INVESTMENT PLAN  ?   CLICK HERE Â
​
 PREMIUM CHART OF IBA GROUP INSURANCE POLICYÂ
​1. BASIC POLICY   WITHOUT DOMICILIARY ( IN RUPEES AND PREMIUM INCLUDING GST )
​BASIC POLICY WITHOUT DOMICILIARY :Â
1. For sum insured Rs 1,00,000 Premium is   Rs 15,308   for self and spouse  ( Rs 10,333  for self only )
2. For sum insured Rs 2,00,000 Premium is  Rs 27,557 for self and spouse  ( Rs 18,600  for self only )
3. For sum insured Rs 3,00,000 Premium is  Rs 41,334 for self and spouse  ( Rs 27,901  for self only )
4. For sum insured Rs 4,00,000 Premium is  Rs 57,808 for self and spouse  ( Rs 39,020  for self only )- ONLY FOR RETIRED OFFICERS
​BASIC POLICY WITHOUT DOMICILIARY :Â
1. For sum insured Rs 1,00,000 Premium is   Rs 15,308   for self and spouse  ( Rs 10,333  for self only )
2. For sum insured Rs 2,00,000 Premium is  Rs 27,557 for self and spouse  ( Rs 18,600  for self only )
3. For sum insured Rs 3,00,000 Premium is  Rs 41,334 for self and spouse  ( Rs 27,901  for self only )
4. For sum insured Rs 4,00,000 Premium is  Rs 57,808 for self and spouse  ( Rs 39,020  for self only )- ONLY FOR RETIRED OFFICERS
​2. BASIC POLICY   WITH DOMICILIARY ( IN RUPEES AND PREMIUM INCLUDING GST )
​BASIC POLICY WITH DOMICILIARY :Â
1. For sum insured Rs 1,00,000 Premium is  Rs 25,520  for self and spouse  ( Rs 17,226 for self only )
2. For sum insured Rs 2,00,000 Premium is  Rs  51,047 for self and spouse  ( Rs 34,457 for self only )
3. For sum insured Rs 3,00,000 Premium is  Rs 77,920 for self and spouse  ( Rs 52,596 for self only )
4. For sum insured Rs 4,00,000 Premium is  Rs  97,776 for self and spouse  ( Rs  65,999 for self only ) -ONLY FOR RETIRED OFFICERS
​BASIC POLICY WITH DOMICILIARY :Â
1. For sum insured Rs 1,00,000 Premium is  Rs 25,520  for self and spouse  ( Rs 17,226 for self only )
2. For sum insured Rs 2,00,000 Premium is  Rs  51,047 for self and spouse  ( Rs 34,457 for self only )
3. For sum insured Rs 3,00,000 Premium is  Rs 77,920 for self and spouse  ( Rs 52,596 for self only )
4. For sum insured Rs 4,00,000 Premium is  Rs  97,776 for self and spouse  ( Rs  65,999 for self only ) -ONLY FOR RETIRED OFFICERS
3Â SUPER TOP UP PLANÂ WITHOUT DOMICLIARYÂ Â
  KEY  DIFFERENCES  BETWEEN IBA GROUP INSURANCE POLICY AND AROGYA SANJEEVANI PLANÂ
KEY FEATURESÂ |
IBA Group Policy |
Arogya Sanjeevani Plan of ​Universal Sompo General Insurance |
PORTABILITYÂ |
NOTÂ POSSIBLE |
Allowed among all insurers |
CO PAYÂ |
NILÂ |
5 %Â |
​DAILY LIMIT FOR BED RENT |
|
RS 5,000 |
TOP UPÂ |
AVAILABLEÂ |
CAN BE TAKEN UP FOR HIGHER COVERSÂ |
PRE- TESTÂ |
NOT REQUIREDÂ |
REQUIRED FOR PERSONS ABOVEÂ 55 YEARSÂ |
PRE -EXISTING MEDICAL CONDITIONSÂ |
COVEREDÂ |
WAITING PERIOD  as per Policy Plan |
PREMIUMÂ FOR SELFÂ Â FOR 3 LAKHSÂ |
14,520Â ( Including GST ) |
16,636 + GST ​ AGE 61-65 Years |
PREMIUM FOR SELF + SPOUSE - ​FOR 3 LAKHS |
24,199Â ( Including GST ) |
24,022 + GST ​ AGE 61-65 Years ​ |
PREMIUMÂ FOR SELFÂ - FOR 4 LAKHSÂ |
19,358 ​( Including GST ) |
18,761 + GST ​ AGE 61-65 Years ​ |
PREMIUM FOR SELF + SPOUSE - ​ FOR 4 LAKHS |
57,808 ( Including GST ) |
27,040 + GST ​ AGE 61-65 Years ​ |
PREMIUM FREQUENCYÂ |
ANNUALÂ |
MONTHLY / QUARTERLY / HALF YEARLY / ANNUALÂ |
ICU CHARGES PER DAYÂ |
Rs 7,500Â |
Rs 10,000 |
ELIGIBILITY |
ANY RETIRED BANKER CAN JOIN - NO AGE LIMIT |
PERSONS ABOVE 65 YEARS CANNOT JOINÂ |
  OUR OBSERVATIONS :Â
 (It is  our opinion and the readers can have their own judgement of the situation )
 (It is  our opinion and the readers can have their own judgement of the situation )
  ADVANTAGES OF RENEWING THE EXISTING POLICY WITH UIIC  :Â
There are inherent advantages in renewing the policy with Group policy , compared to other plans  :Â
1. Group policy provides 100 % cover and no co-pay is expected and there is no waiting period .Â
2. Pre- existing  medical condition is accepted for the purpose of cover .Â
3. Same premium  is quoted for retirees of all ages , while premiums vary according to age in Arogya Sanjeevani plans  Â
NEGATIVES ABOUT THE GROUP INSURANCE POLICYÂ Â
 1. Policy is not portable . Hence retirees are forced to renew  at the terms , conditions and premiums negotiated by IBA  . If policy turns out unaffordable in future renewals , retirees will not be able to take fresh policies with others at their advanced ages  . They will be left with no cover when they need it most . Â
2. Renewal of policy at reasonable escalation  of premium is not assured . Domiciliary cover is made unaffordable by quoting premiums higher than the cover amount . Hence retirees lost the benefit of domiciliary cover .Â
There are inherent advantages in renewing the policy with Group policy , compared to other plans  :Â
1. Group policy provides 100 % cover and no co-pay is expected and there is no waiting period .Â
2. Pre- existing  medical condition is accepted for the purpose of cover .Â
3. Same premium  is quoted for retirees of all ages , while premiums vary according to age in Arogya Sanjeevani plans  Â
NEGATIVES ABOUT THE GROUP INSURANCE POLICYÂ Â
 1. Policy is not portable . Hence retirees are forced to renew  at the terms , conditions and premiums negotiated by IBA  . If policy turns out unaffordable in future renewals , retirees will not be able to take fresh policies with others at their advanced ages  . They will be left with no cover when they need it most . Â
2. Renewal of policy at reasonable escalation  of premium is not assured . Domiciliary cover is made unaffordable by quoting premiums higher than the cover amount . Hence retirees lost the benefit of domiciliary cover .Â
  ADVANTAGES WITH AROGYA SANJEEVANI POLICY :Â
1. As plan is portable and available with all the  health insurance companies , migration from one insurer to another insurer is easy  and convenient . If services of an insurance company or its TPA is not satisfactory or renewal premiums are escalated , one will have always an option to migrate .Â
2. Premium is payable monthly also . Hence it can be integrated with pension paymentÂ
For complete terms , conditions , premium chart & prospectus of Arogya Sanjeevani policy of Universal Sompo General Insurance co Ltd , CLICK HEREÂ
OUR SUGGESTION :  IBA to take up with the insurance company for  renewals for next 5 years  with a pre-fixed escalation clause so that  retirees can be well prepared for future hikes .Â
1. As plan is portable and available with all the  health insurance companies , migration from one insurer to another insurer is easy  and convenient . If services of an insurance company or its TPA is not satisfactory or renewal premiums are escalated , one will have always an option to migrate .Â
2. Premium is payable monthly also . Hence it can be integrated with pension paymentÂ
For complete terms , conditions , premium chart & prospectus of Arogya Sanjeevani policy of Universal Sompo General Insurance co Ltd , CLICK HEREÂ
OUR SUGGESTION :  IBA to take up with the insurance company for  renewals for next 5 years  with a pre-fixed escalation clause so that  retirees can be well prepared for future hikes .Â
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BLOGÂ ARTICLE ONÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â
                              HEALTH INSURANCE OPTIONS FOR RETIRED BANKERSÂ
​The article explores the alternative avenues for existing health insurance group policy for Retired BankersÂ
TO READ THE ARTICLE                              CLICK HERE ​
                              HEALTH INSURANCE OPTIONS FOR RETIRED BANKERSÂ
​The article explores the alternative avenues for existing health insurance group policy for Retired BankersÂ
TO READ THE ARTICLE                              CLICK HERE ​
NEW ARTICLE PUBLISHEDÂ Â Â Â :Â Â Â Â Â Â Â Â Â Â Â Â Â Â
​                      PLANNING FOR CONTINGENCIES Â
​                                                            CLICK HERE TO READ  Â
To know more about Health insurance , CLICK HERE   . Â
 TITBITS : From  a recent  report  of  Sample Survey Office ,  it is revealed that  80 percent of Indians , who mainly rely up on  private  health care ,  do not  have any medical insurance .  The government has brought  only about 12 %  of population under  health protection schemes like  Rashtriya Swasthya  Bima Yojana . In  the absence of health insurance  , 75 % of Indians  use their hard earned savings  while  18% have to borrow . In order to escape from financial gloom  in the events of  medical emergencies , one has to   definitely require some form of Health insurance .    Â
​HEALTH INSURANCE  - BasicsÂ
A Health Insurance Policy would normally cover expenses incurred under the following heads in respect of each insured person subject to overall ceiling of sum insuredÂ
a.     Room, Boarding expenses
b.     Nursing expenses
c.     Fees of surgeon, anesthetist, physician, consultants, specialists
d.     Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines, drugs, diagnostic materials, X-ray, Dialysis, chemotherapy, Radio therapy, cost of pace maker, Artificial limbs, cost or organs and similar expenses.
Sum Insured
The Sum Insured    may  have a maximum amount for each of the insured under the policy or cumulative for all the insured or a  fixed amount to be paid out on particular type of disease or surgery needed or affixed amount per day for the period of hospitalization.Â
 Pre and post hospitalization expenses
Expenses incurred during a certain number of days prior to hospitalization and post hospitalization expenses for a specified period from the date of discharge may be considered as part of the claim provided the expenses relate to the disease / sickness.
Cashless Facility
Insurance companies have tie-up arrangements with a network of hospitals in the country. If policyholder takes treatment in any of the net work hospitals, there is no need for the insured person to pay hospital bills. The Insurance Company, through its Third Party Administrator (TPA) will arrange direct payment to the Hospital. Expenses beyond sub limits prescribed by the policy or items not covered under the policy have to be settled by the insured direct to the Hospital. The insured can take treatment in a non-listed hospital in which case he has to pay the bills first and then seek reimbursement from Insurance Co. There will be no cashless facility applicable here. Â
​TO READ THE FULL ARTICLE ON HEALTH INSURANCE , CLICK HEREÂ
A Health Insurance Policy would normally cover expenses incurred under the following heads in respect of each insured person subject to overall ceiling of sum insuredÂ
a.     Room, Boarding expenses
b.     Nursing expenses
c.     Fees of surgeon, anesthetist, physician, consultants, specialists
d.     Anesthesia, blood, oxygen, operation theatre charges, surgical appliances, medicines, drugs, diagnostic materials, X-ray, Dialysis, chemotherapy, Radio therapy, cost of pace maker, Artificial limbs, cost or organs and similar expenses.
Sum Insured
The Sum Insured    may  have a maximum amount for each of the insured under the policy or cumulative for all the insured or a  fixed amount to be paid out on particular type of disease or surgery needed or affixed amount per day for the period of hospitalization.Â
 Pre and post hospitalization expenses
Expenses incurred during a certain number of days prior to hospitalization and post hospitalization expenses for a specified period from the date of discharge may be considered as part of the claim provided the expenses relate to the disease / sickness.
Cashless Facility
Insurance companies have tie-up arrangements with a network of hospitals in the country. If policyholder takes treatment in any of the net work hospitals, there is no need for the insured person to pay hospital bills. The Insurance Company, through its Third Party Administrator (TPA) will arrange direct payment to the Hospital. Expenses beyond sub limits prescribed by the policy or items not covered under the policy have to be settled by the insured direct to the Hospital. The insured can take treatment in a non-listed hospital in which case he has to pay the bills first and then seek reimbursement from Insurance Co. There will be no cashless facility applicable here. Â
​TO READ THE FULL ARTICLE ON HEALTH INSURANCE , CLICK HEREÂ
READÂ Â OUR ARTICLES ONÂ Â TOPICS IN HEALTH INSURANCEÂ
​COVID INSURANCE                              FLOATER POLICIES                 SENIOR CITIZENS INSURANCEÂ
    LATEST    AROGYA SANJEEVANI PLAN                 HOSPITAL CASH PLANS ​
​COVID INSURANCE                              FLOATER POLICIES                 SENIOR CITIZENS INSURANCEÂ
    LATEST    AROGYA SANJEEVANI PLAN                 HOSPITAL CASH PLANS ​
 KNOW  ABOUT  TAX ON RETIREMENT BENEFITS  , CLICK HEREÂ
FOR INCOME TAX NEWS   , CLICK HERE    NEWS ON INTEREST RATES  CLICK HERE Â
​ARTICLE ON INVESTMENT OPTIONS  FOR RETIREES  ,   CLICK HERE    WHAT IS SYSTEMATIC INVESTMENT PLAN  ?   CLICK HERE Â
​                               Â
                                    ARTICLES ON  Â
                                   Â
 SMALL FINANCE BANKS                                     PAYMENT  BANKS   Â
                                    Â
UNIFIED Â PAYMENT INTERFACEÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â BHARAT BILL PAYMENT SYSTEMÂ Â Â
     BHIM APP                                                AADHAR  Â
                              e-INSURANCE  Account (  eIA  )
FOR INCOME TAX NEWS   , CLICK HERE    NEWS ON INTEREST RATES  CLICK HERE Â
​ARTICLE ON INVESTMENT OPTIONS  FOR RETIREES  ,   CLICK HERE    WHAT IS SYSTEMATIC INVESTMENT PLAN  ?   CLICK HERE Â
​                               Â
                                    ARTICLES ON  Â
                                   Â
 SMALL FINANCE BANKS                                     PAYMENT  BANKS   Â
                                    Â
UNIFIED Â PAYMENT INTERFACEÂ Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â Â BHARAT BILL PAYMENT SYSTEMÂ Â Â
     BHIM APP                                                AADHAR  Â
                              e-INSURANCE  Account (  eIA  )
  ARTICLES ON  Â
​INSURANCE           LIFE INSURANCE                   VEHICLE INSURANCE      HOUSEHOLD INSURANCE
                                   Â
 SMALL FINANCE BANKS      PAYMENT  BANKS      UNIFIED  PAYMENT INTERFACE             BHARAT BILL PAYMENT SYSTEM  Â
                         BHIM APP                                                AADHARÂ
​INSURANCE           LIFE INSURANCE                   VEHICLE INSURANCE      HOUSEHOLD INSURANCE
                                   Â
 SMALL FINANCE BANKS      PAYMENT  BANKS      UNIFIED  PAYMENT INTERFACE             BHARAT BILL PAYMENT SYSTEM  Â
                         BHIM APP                                                AADHARÂ