Kiran Kumar

Kiran Kumar Life Insurance | Health Insurance | Mutual Fund

Everything feels normal…until one moment changes everything.Strange how quickly things shift.
05/05/2026

Everything feels normal…
until one moment changes everything.
Strange how quickly things shift.

11/03/2026

Health insurance is not about having a policy.
It's about having enough cover.
Medical inflation is rising every year.

🕒 Waiting Periods Made SimpleEvery health insurance policy comes with waiting periods. Here’s what you need to know 👇✅ I...
16/09/2025

🕒 Waiting Periods Made Simple

Every health insurance policy comes with waiting periods. Here’s what you need to know 👇

✅ Initial Waiting Period – 30 Days

Illness-related hospitalisation covered after 30 days from policy start.

🚑 Accidental hospitalisation covered from Day 1.

✅ Specific Illnesses & Surgeries – 24 Months

Certain treatments covered after 2 years waiting period.

Examples include: Cataract, Hernia, Piles, Fistula, Gallbladder stones, Sinusitis, Varicose veins, Hydrocele, Fibroid surgeries, Joint replacement (unless accident), and more.

✅ Pre-Existing Diseases (PED) – 36 Months

If you have conditions like Diabetes, Hypertension, Asthma, Thyroid disorders at the time of buying the policy → these are covered after 3 years.

💡 Tip: Buy your health insurance early so that waiting periods are completed well in time, and you can enjoy uninterrupted protection when needed most.

Insurance is the subject matter of solicitation. The information provided here is only for awareness purposes and does not constitute solicitation or offer of insurance. For more details on risk factors, terms, conditions, waiting periods, and exclusions, please read the sales brochure and policy wording carefully before concluding a sale.

💡 Retirement isn’t about stopping work, it’s about keeping the cash flow steady without stress.Here are 5 smart ways to ...
04/09/2025

💡 Retirement isn’t about stopping work, it’s about keeping the cash flow steady without stress.
Here are 5 smart ways to ensure money keeps coming in even after you hang up your boots:
✔️ Systematic Withdrawals
✔️ Interest Income
✔️ Pension / Annuity
✔️ Rental Income
✔️ Consulting / Passion Projects

👉 A balanced mix of these can give you peace of mind, protect against inflation, and let you enjoy the lifestyle you’ve worked hard for.

🌟 Plan today, relax tomorrow.

Don’t rely only on your company’s group cover.A Retail Health Policy stays with you for life – even after job change or ...
28/08/2025

Don’t rely only on your company’s group cover.
A Retail Health Policy stays with you for life – even after job change or retirement.
Secure your family with protection that never ends.

Saving for future may help a lot in the long run. Especially, with the evolving market conditions. So, plan your finance...
30/08/2024

Saving for future may help a lot in the long run. Especially, with the evolving market conditions. So, plan your finances well with systematic investment.

https://web-link.co/9adil

Do not let high prices be a hurdle to your dream home. Start investing right and early with Systematic Investment Planni...
28/08/2024

Do not let high prices be a hurdle to your dream home. Start investing right and early with Systematic Investment Planning.

https://web-link.co/99sio

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Bangalore
560018

Telephone

+919986342886

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