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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
ELEMENTS OF ROOM CHARGE
96 LUXURY TAX Actual tax levied by government is payable. Part of room charge for sublimits
97 HVAC Part of room charge not payable separately
98 HOUSE KEEPING CHARGES Part of room charge not payable separately
99 SERVICE CHARGES WHERE NURSING CHARGE ALSO CHARGED Part of room charge not payable separately
100 TELEVISION & AIR CONDITIONER CHARGES Payable under room charges not if separately levied
101 SURCHARGES Part of room charge not payable separately
102 ATTENDANT CHARGES Not Payable - Part of Room Charges
103 IM IV INJECTION CHARGES Part of nursing charges, not payable
104 CLEAN SHEET ^ Part of Laundry/ Housekeeping not payable separately
105 EXTRA DIET OF PATIENT(OTHER THAN THAT WHICH FORMS PART OF BED CHARGE) Patient Diet provided by hospital is payable
106 BLANKET/ WARMER BLANKET ADMINISTRATIVE OR NON-MEDICAL CHARGES Not Payable- part of room charges
107 ADMISSION KIT Not Payable
108 BIRTH CERTIFICATE Not Payable
109 BLOOD RESERVATION CHARGES AND ANTE NATAL BOOKING CHARGES Not Payable
110 CERTIFICATE CHARGES Not Payable
111 COURIER CHARGES Not Payable
112 CONVENYANCE CHARGES Not Payable
113 DIABETIC CHART CHARGES Not Payable
114 DOCUMENTATION CHARGES/ ADMINISTRATIVE EXPENSES Not Payable
115 DISCHARGE PROCEDURE CHARGES Not Payable
116 DAILY CHART CHARGES Not Payable
117 ENTRANCE PASS/ VISITORS PASS CHARGES Not Payable
118 EXPENSES RELATED TO PRESCRIPTION ON DISCHARGE To be claimed by patient under Post Hosp where admissible
119 FILE OPENING CHARGES Not Payable
120 INCIDENTAL EXPENSES/ MISC. CHARGES (NOT EXPLAINED) Not Payable
121 MEDICAL CERTIFICATE Not Payable
122 MAINTENANCE CHARGES Not Payable
123 MEDICAL RECORDS Not Payable
124 PREPARATION CHARGES Not Payable
125 PHOTOCOPIES CHARGES Not Payable
126 PATIENT IDENTIFICATION BAND/ NAME TAG Not Payable
127 WASHING CHARGES Not Payable
128 MEDICINE BOX Not Payable
129 MORTUARY CHARGES Payable upto 24 hrs, shifting charges not payable
130 MEDICO LEGAL CASE CHARGES (MLC CHARGES) Not Payable
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