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| Individual/Family Health Insurance Products in India (Single Person) |
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| Policy information for individual health insurance products including comparison rates, policy language, coverage etc. |
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| (1) |
Comparison of Individual Health Insurance Policies |
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(2) |
Premium Comparative Chart Individual Health Insurance |
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Coverage & Exclusion under Individual Insurance |
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(4) |
Policy Wording /Proposal Form/ Brochure |
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Product details of Various Companies for Individual Health Insurance |
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| General/Health Insurance Companies Products |
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| Apollo Munich Insurance Co. Ltd. |
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Easy Health Individual Health Insurance Plan |
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| Bajaj Allianz General Insurance Company Limited |
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Health Guard |
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Hospital Cash |
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| Bharti AXA General Insurance Company Limited |
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Smart Health Individual Policy |
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| Cholamandalam Ms General Insurance Company Limited |
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Individual Health |
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| Future Generali India Insurance Co. Ltd. |
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Health Suraksha Individual Plan |
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| HDFC Ergo General Insurance Company Limited |
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Health Suraksha |
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| ICICI Lombard General Insurance Co. Ltd. |
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Health Advantage Plus |
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| IFFCO Tokio General Insurance Co. Ltd. |
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Individual Medishield |
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| National Insurance Company Limited |
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Mediclaim Policy |
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| Reliance General Insurance Co. Ltd. |
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Individual Mediclaim Insurance Policy |
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| Star Health and Allied Insurance Co. Ltd. |
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Medi Classic |
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Medi Premier |
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True Value |
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| Tata AIG General Insurance Co. Ltd. |
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Maharaksha |
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| The New India Assurance Co. Ltd. |
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Mediclaim 2007 |
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| The Oriental Insurance Co. Ltd. |
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Individual Mediclaim Policy |
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| (6) |
Specimen Premium Rates of Insurance Company's |
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| 3- Coverage & Exclusion Under Individual Health Insurance Policies in India |
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| WHAT HEALTH INSURANCE POLICY COVERS IN INDIA |
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| Health Insurance Covers hospitalization when a patient is in hospital for more than 24 hours due to: |
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- Illness
- Accident
- Surgery requirement
- Symptoms, when diagnosis is been done According to the Document of Cholamandalam MS General Insurance the costs covered are
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- Room, Boarding Expenses in Hospital/Nursing Home
- Nursing Expenses, intensive care unit expenses,
- Surgeon, Anesthetist, Medical Practitioner, Consultants, Specialist fees
- Anesthesia
- Blood Oxygen,
- Operation Theater Charges,
- Surgical Appliances, Medicines,
- Drugs,
- Diagnostic Materials,
- X-ray,
- Dialysis,
- Chemotherapy,
- Radiotherapy,
- Pacemaker cost,
- Artificial Limbs,
- Cost of Organs.
- Pre-Hospitalization Expenses
- Post-Hospitalization Expenses
- General Health and Eye Examination (Optional with extra premium)
- Local Ambulance Services (Optional with extra premium)
- Hospital Daily Allowance (Optional with extra premium)
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| Admissible Limits : |
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- Minimum 24 hrs. Hospitalization except Dialysis,
Chemotherapy, Radiotherapy, Eye Surgery, Dental Surgery, Lithotripsy, D&C,
Tonsillectomy (insured discharged on same day)
- Pre-Hospitalization Expense: Laboratory, X-ray or any other
medically necessary diagnostic procedures ordered by a physician (60 days
prior to Hospitalization in case of all type of covers)
- Post-Hospitalization Expenses: The
medically necessary treatment ordered by a physician and readered (within
a time period of the Insured person's discharge from Hospital or Day
Treatment) (90 days after hospitalization in case of all type of covers).
- General
Health and Eye Examination: Radiology, Blood Diabetes, Liver,
Renal/Kidney, Cardiac Lipid, Phospholids, Lung, Abdomen, Cancer,
Optometry, Slit Lamp Examination, Direct Fungus Examination, Indirect
Fungus Examination, Color Vision Testing, Prescription of Glasses if
necessary.
- Local Ambulance Services; Emergency ambulance road transportation by a
licensed ambulance service to the nearest Hospital.
- Hospital Daily Allowance: The Hospital Daily Allowance benefit is
payable per day of Hospitalization in India for a limited period per
person and policy period.
- Day care Surgeries: Microsurgical operations on the middle ear, other
operations on the middle and internal ear, nose and the nasal sinuses, the
eyes, the skin and subcutaneous tissues, the mouth and the face, Traumatological
surgery and orthopedics, the breast, the digestive tract, the female
sexual organs, the male sexual organs, the urinary system.
For Applicants aged 45 and above a medical test is mandator
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