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What’s Common To Virat Kohli, Sania Mirza, Rajnikanth And Other Celebs?

Virat Kohli getting his beard insured.

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What's Common To Virat Kohli, Sania Mirza, Rajnikanth And Other Celebs?
What's Common To Virat Kohli, Sania Mirza, Rajnikanth And Other Celebs? Flickr

Life insurance is no big deal, but getting your body parts or other attributes insured is quite wacky. For celebrities, their bodily features serve as their means of livelihood and fame. So, it is only natural that they would be protective of their ‘assets’. With the buzz around Indian skipper, Virat Kohli getting his beard insured, the trend is gaining quite a momentum in India. Though, it has already been in practice in the West, with celebrities like Miley Cyrus (she got her tongue insured), Jennifer Lopez (has her voluptuous booty insured), Daniel Craig (got his whole body insured), and many others popularising the latest fad, Indian celebrities are joining their Western counterparts in protecting their features, too.

John Abraham

The handsome hunk, John Abraham, who gave us a tantalizing butt view in Dostana not only had his female friends ogling but also arrested the attention of an international insurer. They offered to ensure the Bollywood star’s derrière for a whopping Rs 10 crore to which he responded positively. Well, it is an ass-et and most expensive butt in Bollywood

parmanu
The film is jointly produced by JA Entertainment, Zee Studios and Kyta Productions. Flickr

Sunny Deol

Known for his ‘dhai kilo ka haath’, Sunny Deol got his voice and dialogue style copyrighted instead. Because he was disappointed when his voice and dialogue delivery was adopted for mimicry, which far exceeded permissible levels according to him.

Rajnikanth

There is nothing that Rajnikanth can’t do, especially in his films. Speak of Thalaiva and even the earth stands still (pun intended of course). The actor who, even today, has a crazy fan following, has got his voice insured and patented, followed by a petition he filed against a production house for personality right violation.

 Amitabh Bachchan

The Big B, Amitabh Bachchan, got really upset when he found out that the voice artists were using his baritone without the permission to sell certain products that he didn’t quite approve of. So, it was buzzed that Amitabh wants to get his voice copyrighted. Hence, Mr Bachchan got his voice tone insured and patented.

it was buzzed that Amitabh wants to get his voice copyrighted
it was buzzed that Amitabh wants to get his voice copyrighted. flickr

Priyanka Chopra

Everybody is aware of Priyanka Chopra’s pouty smile on which she has drawn up a copyright. As she seems to be of the opinion that her smile is very much her own, and no one has the right to copy it after she discovered the wrong ways of it getting used by doctors promising young girls to achieve ‘Priyanka Chopra Smile’ after necessary surgical tweaking.

Actress Priyanka Chopra attends the Clive Davis and Recording Academy Pre-GRAMMY Gala and GRAMMY Salute to Industry Icons Honoring Jay-Z on January 27, 2018 in New York City.
Actress Priyanka Chopra attends the Clive Davis and Recording Academy Pre-GRAMMY Gala and GRAMMY Salute to Industry Icons Honoring Jay-Z on January 27, 2018 in New York City.
 Mallika Sherawat

Known for her hourglass figure, Mallika Sherawat went a step ahead of all the other Bollywood divas and got her whole body insured. It is also believed that the actress spends hours on her body to keep it flawless.

Sania Mirza

Ace tennis player, Sania Mirza has reportedly got her hands insured, which are her greatest assets. Because tennis is a tough game and it involves a lot of hand movements and mind presence. Plus, we all have seen her create magic by winning trophies for the country.

Lata Mangeshkar

Known as the second nightingale of India, Lata Mangeshkar has given a number of hits and even lent her voice to generations of actresses since 1940s. While the amount remains unknown, it has been confirmed that she has got her melodic voice insured.

Lata Mangeshkar has got her melodic voice insured
Lata Mangeshkar has got her melodic voice insured. Flickr

Vijender Singh

India’s ace pugilist, Vijender Singh got his power-packed hands insured, as those are his main weapons in the game. The decision came after his medal-winning performance in 2008 Beijing Olympics.

Also read: Important for celebrities to speak up, bring change: Deepika Padukone

Rakhi Sawant

The controversial, outspoken actress, dancer, model and host, Rakhi Sawant loves herself more than anything else and everyone is well aware of it. In order to keep herself sexy always, she has apparently insured her derriere. (IANS)

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Stay Ahead of Medical Inflation With The Top Up Insurance Cover

Health insurance basically aims to protect you from emergency hospitalization expenses to the extent of the sum insured

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Health Insurance
Top Up Health Insurance is an ideal instrument in your hand, by which you augment your sum insured, at a cost marginal to the base medical insurance plan. Pixabay

Health insurance is an intrinsic part of our life now. You necessarily allocate a portion of your income to secure protection for unforeseen medical emergencies requiring hospitalization through medical insurance plans. The quantum of the sum insured is solely dependent on your profile, which includes your profession, liabilities and your dependents. 

As a natural corollary, deciding upon the quantum of sum insured becomes crucial as modern health care is a costly affair with the profusion of super specialty hospitals that dish out the best that medical science can offer. Your normal health insurance cover can fall short of the requirements when it comes to the crux beyond the common medical expenses primarily and secondarily due to inflationary pressures.Top up health insurance is an ideal instrument in your hand, by which you augment your sum insured, at a cost marginal to the base medical insurance plan. 

Health Insurance and its necessity:

Health insurance basically aims to protect you from emergency hospitalization expenses to the extent of the sum insured. Hospitalization expenses can be prohibitive and lead to financial ruin, if not provided for by adequate health insurance cover. The primary advantages of health insurance are:

  • Providing financial stability: An adequate health insurance cover gives you peace of mind in the knowledge that you have a good financial back-up.
  • Riders and add-ons: You can enhance the ambit of your cover by means of riders and add-ons to satisfy your specific requirements. 
  • Flexibility: The insurance providers have to offer many innovative plans that allow cover for critical illness, daycare treatment, lifelong renewability and tweaking of the sum insured matching your requirements. On top of this, there are plans which cover for maternity, senior citizens and the best of all, top-up plans to increase your cover substantially, at a marginal cost as compared to the base policy.   
  • Tax benefits: There is generous provision for tax rebate under Section 80D of the IT Act, 1961 acting as an incentive. 
Insurance
An adequate Health Insurance cover gives you peace of mind in the knowledge that you have a good financial back-up. Pixabay

Types of Health insurance:

Basically health insurance plans cover for hospitalization treatments. There is a wide canvas describing in details of the inclusions and the exclusions within the overall limit of sum insured. Most plans offer pre and post hospitalization expenses for specific periods, ambulance charges and existing illnesses after a defined waiting period. Technological advances have resulted in some treatments that do not require overnight stay in a hospital but it suffices in a daycare facility. Most plans cater for such treatments.  There are riders and add-ons or specific disease cover plans to cater to special situations. Keeping a wide canvas of cover on the horizon, there are two other types of plans which need special mention.

  • Family Floater Plan: Unlike an individual plan, this type of plan covers multiple heads which is ideally suited to a family. The sum insured extends to self, spouse and the children and in most cases it covers four persons. Singly or severally all the members covered can enjoy medical insurance benefits to the extent of the sum insured.
  • Top-up Plan: When you fear that your health insurance sum may not suffice your need, you may opt for a Top-up plan which indemnifies you for the additional sum insured. For example, if you have a base plan of Rs.4 lakhs and you buy a Top-up for Rs.5 lakhs, you are effectively covered for Rs.9 lakhs in total, subject to the rules inbuilt into your plan. 

Top-up Insurance Plans:

Top-up is designed to augment your health insurance cover when you project a higher protection amount for medical emergencies. The sum insured in the Top-up plan kicks into play when the defined threshold or deductible limit is crossed. Though it is incumbent upon you to choose the deductible and the threshold as it impacts the premium, it is best fixed in harmony with your base health insurance plan. 

To cite an example, if your base insurance provides a cover of Rs.4 lakhs and the Top-up is for Rs.5 lakhs, the best scenario for use of the entire cover of Rs.9 lakhs is to fix the threshold at Rs.4 lakhs. Only when the sum insured of Rs,4 lakhs gets exhausted, does your Top-up cover kick into play. 

Advantages of Top-up health insurance:

There are certain inherent advantages of buying a Top-up plan. Some of the key ones are tabulated below:

  • You are covered for a substantially higher sum at a marginal cost as compared to the cost you would have to bear for the total cover in a single health insurance.
  • You have the flexibility to enhance the features at the time of renewal. 
  • You can purchase a Top-up plan even if you do not have a base health insurance.
  • If you have a base health insurance, it is not necessary to purchase the Top-up plan from the same insurer.
  • However, it is prudent to have the same insurance provider and ensure that the features are in sync in both to obviate future hassles. 
Health Insurance
Health Insurance basically aims to protect you from emergency hospitalization expenses to the extent of the sum insured. Pixabay

An important point to be noted in Top-up Insurance plans:

Normally the plan caters to a single bill for the treatment and the total combined sum insured cannot be invoked for different illnesses. To illustrate the point further, suppose your base sum insured is Rs.4 lakhs and the Top-up is Rs,5 lakhs with threshold the former; and you run a bill of Rs.7 lakhs. The entire amount is paid by the insurer. But if the bill is for Rs.2.5 lakhs for the first and Rs. 3 lakhs for the second after six months, you get a cover of only Rs.1.5 lakhs remaining in your base policy. The solution here is that you opt for a Super Top-up plan and the second case scenario is catered for where your second bill is fully paid. It is a superior plan as it considers bills in totality and does not segregate them as in Top-up plan. 

ALSO READ: Apple Releases First Developer Beta of Latest iOS 13.3

Bottom Line:

When it comes to health insurance, no cover seems to be safe in the current scenario. The line separating the normal expenses for medical emergencies escalating into a family financial crisis is very thin. It is in this light that the option of Top-up insurance has come as a boon. For reasons already enunciated, the most sensible thing to do is to buy a Super Top-up plan that will not only look after your emergencies but also absorb the inflationary trends.