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Health Insurance:  STAR Cardiac care policy Click Here For Cardiac Brochure

This policy covers those person who have undergone PTCA (stenting) or CABG(By-pass) for the first time which has been performed between 6 months and 3 years prior to the date of proposal commencement date of the policy & person aged between 10 to 65 years at the time of proposal. Renewals are allowed beyond 65 years also.

Policy Benefits: The Policy has two plan options and offers to cover regular health cover and also a specific cover to take care of cardiac related complications.

Section I Benefits:

Hospitalization expenses for minimum of 24 hours. Pre existing diseases are covered after 48 months of continuous insurance with any Indian Insurance Co.

Section II


Hospitalization cover: 
Expenses for treatment of Cardiac ailments as an In-patient for a minimum of 24 hours. Pre existing cardiac ailments covered from the 91st day of the commencement of the policy. Pre & Post Hospitalization Pre-hospitalization medical expenses up to 30 days prior to the date of admission. Post -hospitalization up to 60 days from the date of discharge from the hospitalization calculated at 7% of the hospitalization expenses (excluding room charges) subject to maximum of Rs.5000 payble.

Eligibility: 10 to 65 years and should have undergone PTCA (stent) or CABG (By-pass) for the first time which should have been performed between 6 months and 3 years prior to the date of proposal.
Co-Payment: 10% of each and every claim amount for insured person beyond 60 years at entry level and their renewals thereafter.

Tax Benefit:  Payment of premium by any mode other than the cash for this insurance is eligible for relief under section 80D of the Income Tax Act 1964. Portability In case you are insured under some other Insurer health policy and desirous of shifting to this policy. You can do so at the time of renewal prior to 1 month.
For actual benefits and exclusions please refer policy document of particular company. The above details are only outline of important details.

Retirement Planning

With retirement not far around the corner, your needs will be rapidly changing. And you will be asking the big questions - what does retirement mean to me, and will I have enough? How can I be better off? As our lives change, our financial needs and priorities change too. Even if you are years away from retiring, you are wise to be thinking about retirement planning. Years from now you will be a lot happier saying, “I am glad I did” instead of “I wish I had”. A retirement plan is an assurance that you will continue to earn a satisfying income and enjoy a comfortable lifestyle, even when you are no longer working. Investment Locker will help you understand how much you need to grow your wealth before you retire and how to plan for it.

Mutual Funds
A mutual fund is a financial intermediary which allows a group of investors to pool in their money with a predetermined investment objective. A qualified fund manager is appointed, who is responsible for investing the pooled money into specific securities and asset classes (usually stocks or bonds)

Life Insurance
Life insurance is a financial resource for your family and loved ones in case of your death.  It is a cover which allows your family to maintain a standard to living as they are currently, and meet their financial obligations. It also serves as an effective investment and tax saving tool.



When we buy equities, we start looking at the price next day or next week. For many who call themselves investors,ong run is 1 month. But do you think the management of the business of which we buy shares really looks at their business growth in such a short period.


Tax Planning
Whats the most tax advantaged group in the tax code? The answer may surprise you, especially if youre a business owner. But the answer is simple - you, the business owner are POTENTIALLY the most tax advantaged group in the tax code. Believe it or not, business owners get all the breaks. And no, the tax breaks are not just for the Fortune 500 companies, but the middle market, small business, or family owned business all the same. I would add a caveat to make it a little more believable and accurate. The most advantaged group in the tax code is the INFORMED business owner. If you feel encumbered by the tax code and business laws, and dont see too many breaks coming your way, its because you fall into the unfortunate group called the UNINFORMED business owners!