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Financial Planning: Whenever it comes to financial planning, it is important to understand where to invest and how to protect your money. Three plans always come up in discussions related to personal finance. These are Systematic Investment Plan, Health Insurance Plan and Term Insurance Plan. Let us know how these three are different from each other and also which of these schemes is better for investment.

Systematic Investment Plan

In a systematic investment plan, you have to invest a fixed amount in mutual funds at regular intervals such as monthly or quarterly. It is beneficial for those who want to create wealth in the long run. Like retirement fund, children’s education or buying a house. It remains stable despite market fluctuations. Systematic investment plan through Rupee Cost Everything reduces the risk of market fluctuations. Its biggest advantage is that you can start it with just ₹ 500 per month.

health insurance plan

It is not an investment instrument but an essential part of financial security. Medical complications arise suddenly and can quickly drain your savings. A health insurance plan ensures that you or your family remain financially protected in case of illness, hospitalization or surgery. This plan covers medical bills, room charges, surgery costs and even pre- and post-hospitalization expenses depending on the policy.

term insurance plan

This plan provides complete life insurance. It does not include any savings or investment benefits. Its sole purpose is to provide financial security to someone’s family in case of their sudden death. Under this plan, higher coverage amount can be obtained at lower premium.

Which plan is better for investment

Each of these three plans has a different but equally important objective. A smart financial plan can include all three in a balanced manner. If we talk about systematic investment plan, it helps you in increasing your wealth over time. If we talk about health insurance plan, then you can save on medical bills. Along with this, term insurance plan guarantees the safety of the person’s family in his absence.

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Health Insurance Policy 2025: People often lose their entire life’s earnings due to serious diseases. A lot of money is spent in the treatment of serious diseases and their treatment lasts for a long time. At the same time, those who have taken a health insurance policy definitely get benefits. However, it is often seen that people do not take coverage of serious diseases in their health insurance policy. Due to which, if any serious illness occurs, they spend a large part of their savings in the treatment of the disease.

If you have also taken health insurance, then you should find out whether your health insurance policy provides cover for serious diseases or not? Even before taking health insurance, it is necessary to get information about it. So that you and your family do not face any kind of problem in future.

Must know things before choosing an insurance policy

If you are thinking of taking a health insurance policy, you should know whether it covers critical illnesses or not. Different types of insurance policies are offered by different companies. There is a difference in the premium also. Besides, companies also give policies regarding various diseases.

In many policies, cover is given for more than 100 diseases. While selecting your policy, you should choose such a policy which provides cover for serious diseases. If you have already taken the policy, you can also add it.

CI (Critical Illness) Rider

CI (Critical Illness) rider is an additional insurance coverage. Which can be added to the term life insurance policy. Under this, you get coverage for the treatment of serious diseases like cancer, stroke, heart attack, kidney failure and some surgeries. Under this coverage, a lump sum amount is paid to you.

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GST on Health Insurance Premium: In the 56th meeting of GST Council, 18 percent GST on the premium of health and life insurance policy has been removed. That is, no GST will be imposed on health and life insurance now. It was being demanded for a long time. This hoped people that it would be cheaper to take insurance by removing 18 percent GST on premium.

However, a recent new report has destroyed this expectation of the people. In a new report by Kotak Institutional Equities Research, it has been reported that insurance companies are thinking of increasing their tariff to 5 percent to compensate for the loss due to input tax credit. This can increase the premium rather than decreasing.

Companies will balance increased expenses

It has been said in the report that increasing the tariff will help companies compensate for the loss of input tax credit. Let us know that earlier insurance companies used to take advantage of the input tax credit (ITC) on their operational costs on commission, reintegration and advertisements of agents. Now due to the removal of GST, companies will not be able to claim ITC. This will increase their expenses, which they will have to resort to tariffs to balance. That is, the policy rates will be increased.

Let us tell you that in GST system, insurance companies are given a special facility. Under this, the tax paid on the expenditure on operation, it could have been reduced from GST taken from customers. After this, the government had to deposit the tax left. That is, due to ITC, companies did not have much tax burden, but if there is no GST, then how will the balance be accounted for. To balance this, companies can increase the premium rates so that they are reduced or not.

Demand will increase the policy of policy

However, the report also states that its demand will increase due to the insurance premium 12-15 percent with the GST rate cut. However, what will be the benefit of relief in GST due to increasing premium! The discount on insurance premium is scheduled to come into force from September 22, 2025.

According to the report of Kotak Institutional Equity, Star Health can increase its tariff by 1-3 percent after the exemption on GST and ITC benefits are over. On the other hand, Niva Bupa can increase it up to about 4 percent. In this way, the impact of the GST rate cut on the insurance policy will be found to be negligible to the policyholders.

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Finance Minister Nirmala Sitharaman held a press conference on Wednesday (03 September) after the 56th meeting of the GST Council. In this, he announced to reduce the GST from 12% on 33 life saving medicines, giving great relief to the patients. These drugs include medicines of many serious diseases including cancer. Apart from this, GST has been zero with 5 % on three other life saving medicines. Also, GST has been given 5 % from 12 % on other medicines. Let’s know how much will you save from this?

Relief on these medicines

The GST Council zero GST from 12% on 33 drugs. These drugs are mainly used in the treatment of cancer, rare genetic disorder, autoimmune disease and other serious diseases. Among them, agalSidase beta, immiglucease, eptacog alfa activated recombinant coagulation factor viia, onasemnoegene abparvovec, asciminib, mepoolizumab, pegylated liposomal irinotecocan, dartumumab, Daratumumab subcutaneous, tecclistamab, amivantamab, alectinib, risdiplam, obinutzumab, polatuzumab vedotin, entrectinib, atezolizumab, sphesolimab, velagluacese alpaha, agalsidase alpaha, agalsidase alpaha, etc. Rurioctocog alpha pegol, Idursulphatase, alglucosidase Alfa, Laronidase, Olipudase Alfa, Tepotinib, Avelumab, Emicizumab, Belumosudil, Miglustat, Velmanasese ALFA, alfa, alfa, alfa, Evolocumab, Cystamine Bitartrate, CI-Inhibitor Injection and Inclisiran. Adi medicines are included.

These cancer medicines become cheap

At the same time, daratumumab (for multiple myeloma), alectinib (lung cancer), obinutzumab (blood cancer), polatuzumab vedotin (lymphoma), entrectinib (solid tumor), atezolizumab (lung and bladder cancer), tepotinib (lung cancer) and awelumab (lung cancer) Cancer) GST has also been cut. Also, GST has also been zero on rare diseases such as Gauchar Disease Alpha (velaglucese alpha), pompe disease (alglucosidase Alfa) and hemicizumab. Also, GST on three drugs agalsidase beta, immiglucease and eptacog Alfa was zero from 5%. The Finance Minister said that these drugs are imported and expensive. GST deduction will increase their reach. Let us know that every year 14 lakh new cases of cancer occur in India. Patients will get a lot of relief due to decrease in GST on these medicines.

Which medicine will be cheap?

The GST deduction will directly affect the monthly bill of patients. We calculate some major cancer drug market values ​​(without an estimated base price without GST) how much you will save now.

• Daratumumab (for multiple myeloma cancer): It comes in injection form. The base price of its monthly dose (about 4 vial) is two lakh rupees. Earlier, according to 12 % GST, it was taxed at 24 thousand, due to which this medicine used to be 2.24 lakhs.
• Alexiab (for lung cancer): The monthly pack of this drug coming in the capsule form comes from 60 capsules, whose base price is Rs 1.50 lakh. It used to cost Rs 1.68 lakh, including 12 % GST, which will now save.
• Osimertinib (for lung cancer): The monthly pack (30 tablet) of this 80mg tablet had to spend about Rs 1.51 lakh with 12 % GST. Now there will be a savings of Rs 16,200 every month. It is the first-line treatment for patients with EGFR mutations.

How much will be saved?

If a cancer patient is dependent on one or more of these medicines, then there is a hope of savings of 15 thousand to 50 thousand rupees in their monthly bill. On average, these 33 drugs are expected to save from 10 to 20 % every month, as some medicines are already subsidized.

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In today’s time, health related problems can suddenly come up and the cost of their treatment sometimes falls on the entire deposits of the family. From small surgery to serious diseases in private hospitals, treatment of serious diseases can reach millions of rupees. In such a situation, it is very important to have health insurance. It not only reduces economic burden but also gives mental peace at the time of treatment.

If all the family members are involved in the coverage, then there is no need to panic from the sudden medical expenses. Therefore, health policy is considered a security shield in today’s time. But it is important to take care of some special things before taking it. Let us tell you complete information about them.

Take special care of these things while taking policy

Many times people buy the policy just by looking at low premiums. But later there is a problem during the claim. While taking the policy, it is important to first see how much coverage is and which diseases are included in it. Whether or not hospitalization, day-care treatment and pre-and post-hospitalization expenses are being covered.

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Do check this. So at the same time it is also important to see how big the insurance company’s network is and how many of its hospitals are connected in your city. It is also necessary to check the claim settlement ratio before purchasing the policy. Which makes it clear whether the company easily passes the claim or not.

It is necessary to read fine print good

While taking a health policy, there are many conditions and rules that people do not pay attention to. For example, how much is the waiting period for diseases already existing. It is very important to see this. Many policies do not get some diseases cover for a few years of beginning. Apart from this, conditions like room rent limit and co-payment should also be read carefully.

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If this limit is low then you may have to pay money from pocket while claiming. Therefore, before taking the policy, understand all its conditions and make sure to compare the policy of the remaining 3-4 companies. Only the decision taken with the correct information can save from trouble in future.

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In the meeting of the GST Council to be held in early September, revolutionary changes can be seen as per PM Modi’s promise. Especially the common people are likely to get big benefits. The meeting will discuss the scheme of tax cuts on several products including cement, salon and beauty parlor as well as health insurance schemes.

In this meeting, it may be considered to bring all food and textile products into a slab of 5 percent, so that the tax system in the country can be made easier and all the classification concerns can be eliminated.

‘Proposal to reduce GST from 28 percent to 18 percent on cement’
The Times of India quoted sources as saying that GST on cement is proposed to be reduced from 28 percent to 18 percent. This will fulfill the long -standing demand for construction and infrastructure areas, as the construction material is a major raw material. This will help the common people to build a house.

GST Council meeting will be held on 3-4 September
The GST Council will meet on September 3 and 4 under the chairmanship of Union Finance Minister Nirmala Sitharaman, in which a change will be taken to change the slab of 40 percent on 5 percent and luxury items of 5 percent and luxury items for most items and services. Although states like West Bengal have suggested to increase the GST limit by 40 percent, but sources say that there will be a big amendment in the law for this.

How much tax will be paid on cars

The Modi government believes that 18 percent tax should be imposed on small cars up to 4 meters long and 40 percent tax will be levied on big cars, which is less than the current 50 percent (28 percent GST and 22 percent cess).

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Health insurance plan: The condition of staying admit in the hospital for 24 hours to claim health insurance is now over. Many insurance companies are also giving mediclaims on only 2 hours of hospitalization. This change is being done to keep pace with changes in medical technology with a new age.

Claim will be done only on 2 hours of hospitalization

Earlier, there was a need to stay in the hospital for 24 hours to claim health insurance. However, this will not happen now because many insurance companies are now allowing to claim the hospital for only 2 hours without considering this condition. According to the CNBC TV18 report, Siddharth Singhal, head of health insurance in the policy market, said, in the last ten years, the medical advancing has completely changed the way of treatment and surgery. This has also reduced the time limit for living in the hospital.

The condition of staying overnight is now over

Earlier, there was a need to stay in the hospital overnight for cataract operation, chemotherapy or angiography. Whereas today medical technology has moved so much that all this happens within hours. In view of this, many insurance companies are also covering 2 hours of hospitalization in their policies to ensure that the claim of a policyholder does not reject only because of not staying overnight in the hospital. Companies covering it include ICICI Lombard Elevate Plan, Care-Supreme Plan and Niva Bupa.

These companies are giving coverage

ICICI Lombard Elevate Plan is getting coverage of up to Rs 10 lakh at a premium of Rs 9,195 annually. It is for non-smoker people aged 30 years. Similarly, the annual premium for Care Supreme is starting at Rs 12,790 and the premium for Niva Bupa Health Recycle is starting from 14,199 per year.

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Us Senate Passes One Big Beautiful Bill: The US Senate on Tuesday passed the major expenditure bill of President Donald Trump. This voting lasted more than 18 hours, which was called “Vote-e-Rama”. During this time the senators introduced several amendments to this bill of about 1,000 pages and debated them. On being equal to the vote, Vice President JD Vance passed a decisive vote and passed the bill.

Tax cuts and heavy expenditure on army
Trump has named this bill “One Big Beautiful Bill”. Its purpose is to carry forward tax cuts (tax exemption) of his first term at a cost of 4.5 trillion dollars. Apart from this, there is a provision to increase the expenses of the army, provide funds for the process of deportation and border security of the people on a large scale.

America’s national debt will increase
According to the news agency AFP, this law may increase the US national debt in the next ten years more than $ 3.3 trillion. The passing of this bill in the Senate is being considered an important step for the Trump administration. The administration wants this bill to be made by Friday, so that it can be implemented before Independence Day.

However, now the bill will go to the House of Representatives, the lower house of the US Parliament, where some Republican MPs have also expressed concern over it. There is a proposal in the bill, under which about $ 1 trillion health care subsidy will be abolished, which can affect millions of poor Americans.

Health services of poor will be affected
According to the AFP, independent experts say that due to the proposed cuts made in the Medicade and Affordable Care Act, about 1.2 crore people can lose health insurance by 2034.

Musk threatened
Tesla’s owner Alan Musk had threatened that if Trump’s ‘Big Beautiful Bill’ passes, he would launch a new party. Musk said, if Trump’s expenditure bill is passed then the ‘US Party’ will be launched immediately. Our country needs an alternative to Democrat-Republican Unipartity. After his statement, there are speculations that it is going to start the second round of debate between them?

Shop will be closed and returned to South Africa: Trump

Donald Trump wrote on Truth Social, ‘Alan Musk knew long before I supported me for the presidency that I am strongly against EV Mandate. It is ridiculous and it was always a major part of my campaign. Electric cars are fine, but not everyone should be forced to buy it.

Trump further wrote, ‘Alan can get more subsidy than any human being in the history so far, but without subsidy he might have to close his shop and return to South Africa. No rocket launch, satellite or electric cars will be produced, and we will save a lot of money.