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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 IN INDIA DOES NOT COVER |
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| Treatment of illness at home by consulting doctor in your locality or even in a hospital is not covered. |
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| This means Cold, Cough, Flu, Viral fever, Malaria, TB etc. are not covered as these are generally treated at home. If viral fever touches 104 degrees F and patient has to be admitted into a hospital (for more than 24 hours) then this will be covered and payment will be made by the Insurance company. |
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| Treatment of illness at home by consulting doctor in your locality or even in a hospital is not covered. |
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| Lat us take another example; |
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| A person meets with an accident and has leg fracture. He is taken to the clinic of an orthopedic surgeon. |
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| The treatment comprises |
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Rs. |
| X-Ray |
300 |
| Bandage |
400 |
| Plaster |
1000 |
| Consultant fee |
600 |
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2300 |
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| Patient goes home and is in bed for 21 days. In this case the conditions of the health insurance policy are not covered and nothing is payable. The recent guidelines issued by Oriental Insurance are that this amount is payable . It is a welcome decision in favors of insured. |
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| As per Oriental Insurance document the following treatments in hospital are not covered : |
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- All diseases /injuries which are pre-existing when the cover incepts for the first time. For the
purpose of applying this condition the date of inception of the entire Mediclaim Policy taken from any of the Indian Insurance Companies shall be taken provided the renewal have been continuous and without any break.
- Any disease other than those stated in the in clause 4.3 contracted by the Insured Person
during the first 30 days from the commencement date of the Policy. This exclusion shall not however, apply in the opinion of Panel of Medical Practitioners constituted by the Company for the purpose, the Insured person could not hav known of the existence of the Disease or any symptoms or complaints thereof at the timer of making the proposal for insurance to the Company. This condition 4.2 shall not however apply to in case of the insured person having been covered under this schem with any
of the Indian Insurance Companies for a continuous period of preceding 12 months without any break.
- During the first year of operation of insurance cover, the expense on treatment of diseases such as :
- Cataract,
- Benign Prostatic Hypertrophy,
- Hysterectomy for Menorrhagia or Fibromyoma Hernia,
- Hydrocele,
- Congenital,
- Internal disease,
- Fistula in anus,
- Piles,
- Sinusitis,
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