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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
Introduction to Health Insurance in India
 
(1) Introduction of Health Insurance Policies   (2) Need of Health Insurance
(3) Companies offering Health Insurance/ Mediclaim   (4) Salient Points of Various Products of Insurance Companies
(5) What Health Insurance Policy Covers in India   (6) What Health Insurance Policy does not Cover in India
(7) Selection of Health Insurance Product/ Company   (8) Health Insurance through Life Insurance Companies
(9) Concept of :
 
a- Concept of Day Care Surgeries Treatments Covered b- Cooling Off Period (30 days Waiting Period)
c- Co-Pay Concept in Health Insurance Policy d- Health Insurance through Credit Card
e- Concept of Cumulative Bonus in Health Insurance Policy f- Health Insurance Cumulative Bonus Comparision
(10) Specimen:
 
a- Proposal Forms of Insurance Companies   b- Non Receipt of Policy Letter to Send to Insurance Companies
6- What Health Insurance Policy in India does not Cover
List of Generally excluded in Hospitalisation Policy
SNO List of Expenses Generally Excluded ("Non-Medical")in Hospital IndemnityPolicy - SUGGESTIONS
TOILETRIES/ COSMETICS/ PERSONAL COMFORT OR CONVENIENCE ITEMS
28 FOOD CHARGES (OTHER THAN PATIENT'S DIET PROVIDED BY HOSPITAL) Not Payable
29 FOOT COVER Not Payable
30 GOWN Not Payable
31 LEGGINGS Essential in bariatric and varicose vein surgery and should be considered for these conditions where surgery itself is payable.
32 LAUNDRY CHARGES Not Payable
33 MINERAL WATER Not Payable
34 OIL CHARGES Not Payable
35 SANITARY PAD Not Payable
36 SLIPPERS Not Payable
37 TELEPHONE CHARGES Not Payable
38 TISSUE PAPER Not Payable
39 TOOTH PASTE Not Payable
40 TOOTH BRUSH Not Payable
41 GUEST SERVICES Not Payable
42 BED PAN Not Payable
43 BED UNDER PAD CHARGES Not Payable
44 CAMERA COVER Not Payable
45 CLINIPLAST Not Payable
46 CREPE BANDAGE Not Payable/ Payable by the patient
47 CURAPORE Not Payable
48 DIAPER OF ANY TYPE Not Payable
49 DVD, CD CHARGES Not Payable (However if CD is specifically sought by Insurer/ TPA then payable)
50 EYELET COLLAR Not Payable
51 FACE MASK Not Payable
52 FLEXI MASK Not Payable
53 GAUSE SOFT Not Payable
54 GAUZE Not Payable
55 HAND HOLDER Not Payable
56 HANSAPLAST/ ADHESIVE BANDAGES Not Payable
57 INFANT FOOD Not Payable
58 SLINGS Reasonable costs for one sling in case of upper arm fractures should be considered
ITEMS SPECIFICALLY EXCLUDED IN THE POLICIES
59 WEIGHT CONTROL PROGRAMS/ SUPPLIES/ SERVICES Exclusion in policy unless otherwise specified
60 COST OF SPECTACLES/ CONTACT LENSES/ HEARING AIDS ETC., Exclusion in policy unless otherwise specified
61 DENTAL TREATMENT EXPENSES THAT DO NOT REQUIRE HOSPITALISATION Exclusion in policy unless otherwise specified
62 HORMONE REPLACEMENT THERAPY Exclusion in policy unless otherwise specified
63 HOME VISIT CHARGES Exclusion in policy unless otherwise specified
64 INFERTILITY/ SUBFERTILITY/ ASSISTED CONCEPTION PROCEDURE Exclusion in policy unless otherwise specified
65 OBESITY (INCLUDING MORBID OBESITY) TREATMENT IF EXCLUDED IN POLICY Exclusion in policy unless otherwise specified
66 PSYCHIATRIC & PSYCHOSOMATIC DISORDERS Exclusion in policy unless otherwise specified
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