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Various health insurance companies who provide insurance in India. Get free health insurance quote today from best health insurance companies in India for your entire family insurance plans Get Cashless medical insurance hospitalizaton form most of insurance companies plan Free medical treatment during hospitalization Peace of mind with health insurance policy
For Comparative Insurance Quote: Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email: ria1@surekhae.com
Individual Mediclaim and family Health Insurance Products in India (Single Person)
 
(1) Comparison of Individual Health Insurance Policies (2) Premium Comparative Chart Individual Health Insurance
(3) Coverage & Exclusion under Individual Insurance (4) Policy Wording/ Proposal Form/ Brochure
(5) Product details of Various Companies for Individual Health Insurance
General/ Health Insurance Companies Products
Apollo Munich Insurance Co. Ltd.
Bajaj Allianz General Insurance Company Limited
Cholamandalam Ms General Insurance Company Limited
Future Generali India Insurance Co. Ltd.
HDFC Ergo General Insurance Company Limited
ICICI Lombard General Insurance Co. Ltd.
IFFCO Tokio General Insurance Co. Ltd.
National Insurance Company Limited
Reliance General Insurance Co. Ltd.
Religare Health Insurance Company Limited
Royal Sundaram General Insurance Co. Limited
Star Health and Allied Insurance Co. Ltd.
Tata AIG General Insurance Co. Ltd.
The New India Assurance Co. Ltd.
The Oriental Insurance Co. Ltd.
United India Insurance Co. Ltd.
Universal Sompo General Insurance Co. Ltd.
(6) Specimen Premium Rates of Insurance Company's
3- Coverage & Exclusion Under Individual Health Insurance Policies in India
  • 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
WHAT HEALTH INSURANCE POLICY IN INDIA DOES NOT COVER
Treatment of illness at home by consulting doctor in your locality or even in a hospital is not covered.
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.
Treatment of illness at home by consulting doctor in your locality or even in a hospital is not covered.
Lat us take another example;
A person meets with an accident and has leg fracture. He is taken to the clinic of an orthopedic surgeon.
The treatment comprises
  Rs.
X-Ray 300
Bandage 400
Plaster 1000
Consultant fee 600
  2300
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.
As per Oriental Insurance document the following treatments in hospital are not covered :
  1. 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.

  2. 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.

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