Health Insurance

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Health Insurance

Infinite Alpha’s Health Insurance solutions are designed to protect you and your family from rising medical costs while giving you complete peace of mind. We help you choose the right coverage based on your needs, life stage, and financial priorities, making sure you are prepared for both planned and unexpected healthcare expenses.

With transparent guidance and reliable policy options, we make health protection simple, secure, and stress-free.

Types of Plans We Offer

We provide the following kinds of plans to meet all of your needs:

Individual Plans

Personalised health coverage designed to protect a single individual against medical expenses.

Family Floater

One comprehensive policy that covers your entire family under a single sum of insured.

Senior Citizen

Specially designed health plans offering focused coverage for healthcare needs in later years.

Critical Illness

Provides a lump sum payout on diagnosis of major illnesses to support treatment and recovery.

Top-Up Plans

Enhance your existing health cover by adding extra protection at a lower cost.

Corporate Covers

Group health insurance solutions designed to protect employees and strengthen workplace wellbeing.

Our Health Insurance Partners

These are our health insurance partners:

Who Should Invest in Mutual Funds

Mutual funds are suitable for investors at various stages of their financial journey. Whether you’re starting out or looking to diversify, mutual funds offer accessible and flexible investment options.

First-time investors starting their investment journey

Salaried professionals planning long-term wealth

Business owners seeking diversified investments

Investors looking for tax-efficient options

Long-term investors aiming for financial stability

Key Benefits of Investing with Infinite Alpha

These are the key benefits of getting health insurance from us:

Expert, Unbiased Guidance

Hassle-Free Claim Support

Access to Leading Insurers

Long-Term Health Planning

Tailored Coverage Solutions

Start Your Health with Confidence

Take the next step toward reliable, stress-free health protection with Infinite Alpha. Our expert team is ready to guide you in choosing the right coverage for you and your family, every step of the way.

Frequently Asked Questions

Helpful information to guide you through common queries.

What is health insurance?

Health insurance is a policy that covers medical expenses such as hospitalization, treatments, and surgeries.

Why is health insurance important?

It helps protect you from high medical costs and provides financial security during health emergencies.

What does a health insurance policy cover?

Coverage typically includes hospitalization, pre- and post-hospitalization expenses, daycare procedures, and ambulance charges.

What is a premium?

A premium is the amount you pay periodically to keep your health insurance policy active.

What is a sum insured?

The sum insured is the maximum amount the insurer will pay for medical expenses in a policy year.

What is a waiting period?

A waiting period is the time you must wait before certain coverages or illnesses become eligible for claims.

What are pre-existing diseases?

These are medical conditions you had before purchasing the health insurance policy.

What is cashless hospitalization?

It allows you to receive treatment at network hospitals without paying upfront; the insurer settles the bill directly.

What is a network hospital?

A hospital that has an agreement with the insurer to provide cashless treatment.

What is a claim?

A claim is a request made to the insurer for reimbursement or cashless settlement of medical expenses.

What is a co-payment?

Co-payment is the portion of medical expenses that the insured must pay out of pocket.

Can I buy health insurance for my family?

Yes, family floater plans cover you, your spouse, children, and sometimes parents under one policy.

What is not covered under health insurance?

Exclusions may include cosmetic procedures, self-inflicted injuries, and treatments during the waiting period.

How do I choose the right health insurance plan?

Consider coverage amount, network hospitals, premium, exclusions, and claim settlement ratio.

Can I renew my health insurance policy every year?

Yes, most health insurance policies are renewable annually, often for a lifetime.

What is a Mutual Fund?

An investment vehicle that is made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets. Mutual funds are operated by investment managers, who invest the fund’s capital and attempt to produce capital gains and income for the fund’s investors. A mutual fund’s portfolio is structured and maintained to match the investment objectives stated in the scheme information document.

What does a Mutual Fund do with investor`s money?

Anybody with an investible surplus of as little as a few hundred rupees can invest in mutual funds. The investors buy units of a fund that best suits their investment objectives and future needs. A Mutual Fund invests the pool of money collected from the investors in a range of securities comprising equities, debt, money market instruments etc. after charging for the AMC fees. The income earned and the capital appreciation realised by the scheme, are shared by the investors in same proportion as the number of units owned by them.

What is the Regulatory Body for Mutual Funds?

Securities Exchange Board of India (SEBI) is the regulatory body for all the mutual funds mentioned above. All the mutual funds must get registered with SEBI.

Why should I choose to invest in a mutual fund?

For a retail investor who does not have the time and expertise to analyze and invest in stocks and bonds, mutual funds offer a viable investment alternative.

This is because:

1. Mutual Funds provide the benefit of cheap access to expensive stocks

2. Mutual funds diversify the risk of the investor by investing in a basket of assets

3. A team of professional fund managers manages them with in-depth research inputs from investment analysts.

4. Being institutions with good bargaining power in markets, mutual funds have access to crucial corporate information which individual investors cannot access.

What are the advantages of investing in a Mutual Fund?

There are several benefits from investing in a Mutual Fund.

A. Small investments: Mutual funds help you to reap the benefit of returns by a portfolio spread across a wide spectrum of companies with small investments. Such a spread would not have been possible without their assistance. Professional Fund Management: Professionals having considerable expertise, experience and resources manage the pool of money collected by a mutual fund. They analyze markets and the economy to select good investment opportunities.

B. Spreading Risk: An investor with a limited amount of fund might be able to invest in only one or two stocks / bonds, thus increasing his or her risk. However, a mutual fund will spread its risk by investing in a number of sound stocks or bonds, across sectors, so the risk is diversified, along with taking advantage of the position it holds. Also in cases of liquidity crisis where stocks are sold at a distress, mutual funds have the advantage of the redemption option at the NAVs (Net Asset Values).

C. Transparency and easy access to information: Mutual Funds regularly provide investors with information on the value of their investments. Mutual Funds also provide complete portfolio disclosure of the investments made by various schemes and also the proportion invested in each asset type and clearly layout their investment strategy to the investor.

D. Liquidity: Closed ended funds have their units listed at the stock exchange, thus they can be bought and sold at their market value. Over and above this the units can be directly redeemed to the Mutual Fund as and when they announce the repurchase.Open ended funds, the units are available for subscriptions redemption on all business days on an ongoing basis.

E. Choice: The large amount of Mutual Funds offer the investor a wide variety to choose from. An investor can pick up a MF scheme depending upon his risk / return profile.

F. Regulations: All the mutual funds are registered with SEBI and they function within the provisions of strict regulation designed to protect the interests of the investor.

How do mutual funds diversify their risks?

An investor can reduce his total risk by holding a portfolio of assets instead of only one asset. This is because by holding all your money in just one asset, the entire fortunes of your portfolio depend on this one asset. By creating a portfolio of a variety of assets, this risk is substantially reduced.

Can mutual funds be viewed as risk-free investments?

No. Mutual fund investments are not totally risk free. In fact, investing in mutual funds contains the same risk as investing in the markets, the only difference being that due to professional management of funds the controllable risks are substantially reduced.

What are the risks involved in investing in mutual funds?

A very important risk involved in mutual fund investments is the market risk. When the market is in doldrums, most of the equity funds will also experience a downturn. However, the company specific risks are largely eliminated due to professional fund management.

What are the different types of Mutual funds?

On the basis of Objective

A. Equity Funds/ Growth Funds

Funds that invest in equity shares are called equity funds. They carry the principal objective of capital appreciation of the investment over the medium to long-term. The returns in such funds are volatile since they are directly linked to the stock markets. They are best suited for investors who are seeking capital appreciation. There are different types of equity funds such as Diversified funds, Sector specific funds and Index based funds.

B. Diversified funds

These funds invest in companies spread across sectors. These funds are generally meant for risk-taking investors who are not bullish about any particular sector.

C. Sector funds

These funds invest primarily in equity shares of companies in a particular business sector or industry. These funds are targeted at investors who are extremely bullish about a particular sector.

D. Index funds

These funds-invest in the same pattern as popular market indices like CNX Nifty Index and BSE Index. The value of the index fund varies in proportion to the benchmark index.

E. Tax Saving Funds

These funds offer tax benefits to investors under the Income Tax Act.Opportunities provided under this scheme are in the form of tax rebates u/s 88, saving in Capital Gains u/s 54EA and 54EB and deductions u/s 80C. They are best suited for investors seeking tax concessions.

F. Debt / Income Funds

These Funds invest predominantly in high-rated fixed-income-bearing instruments like bonds, debentures, government securities, commercial paper and other money market instruments. They are best suited for the medium to long-term investors who are averse to risk and seek capital preservation. They provide regular income and safety to the investor.

G. Liquid Funds / Money Market Funds

These funds invest in highly liquid money market instruments. The period of investment could be as short as a day. They provide easy liquidity. They have emerged as an alternative for savings and short-term fixed deposit accounts with comparatively higher returns. These funds are ideal for Corporates, institutional investors and business houses who invest their funds for very short periods.

H. Gilt Funds

These funds invest in Central and State Government securities. Since they are Government backed bonds they give a secured return and also ensure safety of the principal amount. They are best suited for the medium to long-term investors who are averse to risk.

I. Balanced Funds

These funds invest both in equity shares and fixed-income-bearing instruments(debt) in prescribed proportion. They provide a steady return and reduce the volatility of the fund while providing some upside for capital appreciation. They are ideal for medium- to long-term investors willing to take moderate risks.

What are open-ended and closed-ended mutual funds?

In an open-ended mutual fund there are no limits on the total size of the corpus. Investors are permitted to enter and exit the open-ended mutual fund at any point of time at a price that is linked to the net asset value (NAV). In case of closed-ended funds, the total size of the corpus is limited by the size of the initial offer.

What is NAV?

NAV is the net asset value of the fund. In simpler words it reflects what the unit held by an investor is worth at current market prices.

How much return can I expect by investing in mutual funds?

Investors need to be clear that mutual funds are essentially medium to long term investments. Hence, short-term abnormal profits will not be sustainable in the long run. But in the medium to long run the mutual funds tend to outperform most other avenues of investments at the same time avoiding the risk of direct investment accompanied with professional fund management.

What are the types of returns one can expect from a Mutual Fund?

Mutual Funds give returns in two ways – Capital Appreciation or Dividend Distribution.

A. Capital Appreciation : An increase in the value of the units of the fund is known as capital appreciation. As the value of individual securities in the fund increases, the fund`s unit price increases. An investor can book a profit by selling the units at prices higher than the price at which he bought the units.

B. Dividend Distribution: The profit earned by the fund is distributed among unit holders in the form of dividends. Dividend distribution again is of two types. It can either be re-invested in the fund or can be on paid to the investor.

How do I track the performance of the Fund?

The NAVs are published in financial newspapers and also available on the AMFI website on a daily basis.

What is a load?

The charge collected by a Mutual Fund from an investor for selling the units or investing in it.

When a charge is collected at the time of entering into the scheme it is called an Entry load. The entry load percentage is added to the NAV at the time of allotment of units. However SEBI has now prohibited charging entry load on mutual fund schemes. An Exit load is a charge that is collected at the time of redeeming or for transfer between schemes (switch). The exit load percentage is deducted from the NAV at the time of redemption or transfer between schemes.

Some schemes do not charge any load and are called “No Load Schemes”.

How does the concept of exit load work in case of unit redemptions?

An exit load is a levy that an investor pays at the point of exit. This is levied to dissuade investors from exiting the fund. Assume that the current NAV of the fund is Rs.12.00 and that the exit load is Rs.0.50. Now if you sell 800 units then you stand to receive 800X11.5= Rs. 9200.

Can an investor redeem part of the units?

Yes. One can redeem part units also.

What are the differences between close-ended mutual funds and ETFs?

Though Close-Ended Mutual Funds are listed on the exchange they have a limited number of shares and trade at substantial premiums or more often at discounts to the actual NAV of the scheme. Also, they lack the transparency, as one does not know the constitution and value of the underlying portfolio on a daily basis.

In ETFs, the numbers of units issued are not limited and can be created/ redeemed throughout the day. ETFs rely on market makers and arbitrageurs to maintain liquidity so as to keep the price in line with the actual NAV.

What is constant maturity structure?

Bond prices are sensitive to changes in interest rate. Typically active fund managers tend to alter the duration of the fund based on their interest rate outlook, whereas in case of Constant Maturity structure the overall duration at fund level is maintained in the pre-set range.

Are there any assured returns?

Like any other debt mutual fund schemes, there are no assured returns.

What is tax treatment?

If the investment is held for more than 3 years it qualifies for Long Term Capital Gains Tax @ 20%, along with option to avail indexation benefit. Any investment horizon lower than 3 year, would attract the Short Term Capital Gain Tax and taxed as per the applicable tax bracket.

What is Portfolio Management Services (PMS)?

PMS (Portfolio Management Service) is a tailor made professional service offered to cater the investments objective of different investor classes. The Investment solutions provided by PMS cater to a niche segment of clients. The clients can be Individuals or Institutions entities with high net worth. In simple words, PMS (portfolio management service) provides professional portfolio management of your investments to create wealth..

What are the benefits of MOSt Portfolios?

There are many benefits of availing Portfolio Management Services. Some of them are:
1. Professional Management : PMS provides professional management of portfolios with the objective of delivering consistent long-term performance while controlling risk.

2. Constant Portfolio Tracking : We understand the dynamics of equity as an asset class, so we track your investments continuously to maximize the returns.

3. Risk Control : Well defined investment philosophy & strategy acts as a guiding principle in defining the investment universe. We have very robust portfolio management software that enables the entire construction, monitoring and the risk management processes.

4. Convenience : Our Portfolio Management Service relieves you from all the administrative hassles of your investments. We provide periodic reports on the performance and other aspects of your investments.

5. Transparency : You will get account statements and performance reports on a monthly basis. That’s not all; web access will enable you to track all information relating to your investment on daily basis.A password protected web login will enable you to access details of your investment on click of a button. The following portfolio reports are accessible online:
     5.1 Performance Statements
     5.2 Portfolio Holding Reports
     5.3 Transactions Statements
     5.4 Capital Gain/Loss Statements
Along with it we also send half yearly reports and yearly Audited reports for convenient Tax Filing.

6. Dedicated Relationship Manager : Your Relationship manager will help you carefully understand your financial goals and advise you the right product mix. The relationship managers ensure that you receive periodic updates and account performance reports.

7. Personalized Approach : In PMS, you gain direct personalized access to the professional money managers who actively manage your portfolio. This interaction may come in various different ways including in-person meetings, conference calls, written commentary, etc. with the fund management team.

Will it help me on my tax status?

We provide each client an audited tax statement of his portfolio management annually. This can be used for calculating your tax liability and hence forth filing returns. However, we advice all our clients to consult their tax consultant before filing of their tax returns.

How can I monitor the performance of my portfolio?

As a part of our service offering and in an endeavor to provide complete transparency of the dealings in the clients PMS account, the following reports are emailed to the clients to their registered email id/ mailed to the correspondence address, which will enable the clients to track their portfolios. The reports are sent on a monthly basis before the 10thof the next month.

1. Account Performance Statement

2. Holding Statement

3. Transaction Statement

4. Capital Movement Statement

5. Corporate Action Statement

6. Debit Note

7. Client Information

8. Taxable Gain/Loss statement

9. Clients are provided with a login id and password which will enable 24*7access to the details of the investments on click of a button.

10. Audited reports certified by a CA will be sent to all clients annually after March-year end audit is completed.

Do I have to keep a track on investments and take part in investment decision making process?

Motilal Oswal Asset Management Company Ltd provides discretionary Portfolio Management Services wherein the portfolio manager manages your portfolio without having to bother you with the day to day decisions. The portfolio manager takes all the investment decisions on your behalf.

However, we do a comprehensive reporting to maintain complete transparency in managing your portfolio. You will receive regular updates and a detailed report on your portfolio, allowing you to track its activity and performance.

Can I specify sectors that I want or don’t want to hold?

We offer discretionary as well as non-discretionary portfolio management services. In our discretionary portfolio management service, the discretion to invest primarily lies with the portfolio manager. However at the time of giving us the portfolio you can give us list of securities, sectors, etc. which you do not/cannot invest in your portfolio due to reasons like conflict of interests, religious beliefs etc. and we will take care of your need.

Can I meet my portfolio management/ Investment Advisory team and discuss portfolio?

In our PMS, we understand that you have given us your hard earned money and therefore we ensure that we answer every query. You can anytime request for an appointment/call and we will arrange a meeting/call with the fund management/Investment advisory team for discussion about portfolio spread and returns or any other query you may have regarding your portfolio.

Can I book my profits partially any time?

Yes, you can withdraw your profit anytime you want, provided your portfolio‘s value does not fall below the prescribed limit of Rs. 25 Lacs, as per SEBI regulations.

How can I add further investments to my existing PMS account with MOAMC PMS?

You can give minimum Rs.50,000 as a Top Up (additional investment) in any of your strategy accounts.

How can I put in money in my PMS account?

Your PMS account will activate only after you deposit a minimum of Rs. 50 lacs in the account (combination of cash and stocks). To put in money, you can use one of the following ways:

1.Cheques:

will be in the name of Motilal Oswal Asset Management Company Ltd.–PMS for all strategies. The strategy names will not be required to be mentioned on the cheques

2.Bank Transfer:

If you have banking facilities you can transfer funds in Indian Rupees to your PMS account by online transfer (RTGS/NEFT) or wire transfer.

Can I use my DMAT holdings of stocks to make investment in the Motilal Oswal Asset Management Company Ltd PMS account?

You can use your current securities / shares to make investment in PMS Account, but these will have to be liquidated and the sale amount should be minimum Rs. 25,00,000.

Can a NRI avail of the Portfolio Management Service?

The Portfolio Management Services is open for all Indian nationals, resident or otherwise.NRIs will have to open a PIS Account as required under RBI guideline sin order to invest in the PMS scheme.

Can I open a PMS account with a combination of cash and stocks?

Yes, you can open a PMS account with a combination of cash and stocks. The initial portfolio of securities/ shares will be re-aligned as per the model portfolio

Who can open a PMS account with Motilal Oswal Asset Management Company Ltd.?

You can open a PMS account with us, if you are:

1. An Individual

2. A Hindu Undivided Families

3. An Association of Persons

4. A Limited Companies

5. An NRI, overseas company, firm, society or an overseas trust (subject to RBI approval)

How do I open a portfolio management service account (PMS) with Motilal Oswal Asset Management Company Ltd.?

You can open a PMS account by emailing or calling us at our exclusive PMS desk. Once we receive your request one of our executives will get in touch with you shortly. You can call us on: 1800-200-6626 or email us at: info@infinitealpha.in. You can visit our Website: infinitealpha.unmeteredtechnologies.com/Asset-Management

Why should I select Motilal Oswal AMC’s Portfolio Management Services?

1. Amongst India’s one of the leading PMS Service Providers, with Assets under Management of approx Rs. 2700 Crores as on 31st December 2014.

2. Value Strategy is the single biggest discretionary PMS strategy in the country withal of over Rs. 1225 crores as on 31st December 2014 clearly showing client’s trust in our product’s performance &services.

3. Our Flagship “Value Strategy” has consistently outperformed the benchmark across market cycles over a 11 year period.

4. Motilal Oswal PMS has one of the largest active customer base of 4500+ on PMS Platforms on 31st December 2014 clearing showing strong trust developed with customers.

5. 1crore invested in Value PMS in March 2003 is worth Rs. 17.86 crores as on 31st December 2014 v/s. just 8.19 Crores if it would have been invested in CNX Nifty Index.

6. Motilal Oswal Portfolio Management Services has active clients in 138 different cities right from Agra to Vijayawada; a testimony of strong acceptance of our PMS across the length & breadth of the country.

Data as on 31st December 2014

Investments in Securities are subject to market and other risks and there is no assurance or guarantee that the objectives of any of the strategies of the Portfolio Management Services (PMS) will be achieved. Investors in the PMS Product are not being offered any guaranteed/assured returns. Past performance of the portfolio manager does not indicate the future performance for any of the strategies.

What is a demat account and what are the types of demat account?

A Demat account is an account that holds financial securities in electronic form. In India, Demat accounts are maintained by two depository organisations, NSDL (National Securities Depository Limited) and CDSL (Central Depository Services Limited).

What is a demat account and what are the types of demat account?