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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
EXTERNAL DURABLE DEVICES
131 WALKING AIDS CHARGES Not Payable
132 BIPAP MACHINE Not Payable
133 COMMODE Not Payable
134 CPAP/ CAPD EQUIPMENTS Device Not Payable
135 INFUSION PUMP - COST Device Not Payable
136 OXYGEN CYLINDER (FOR USAGE OUTSIDE THE HOSPITAL) Not Payable
137 PULSEOXYMETER CHARGES Device Not Payable
138 SPACER Not Payable
139 SPIROMETRE Device Not Payable
140 SP0 2PROB E Not Payable
141 NEBULIZER KIT Not Payable
142 STEAM INHALER Not Payable
143 ARMSLING Not Payable
144 THERMOMETER Not Payable (paid by patient)
145 CERVICAL COLLAR Not Payable
146 SPLINT Not Payable
147 DIABETIC FOOT WEAR Not Payable
148 KNEE BRACES (LONG/ SHORT/ HINGED) Not Payable
149 KNEE IMMOBILIZER/ SHOULDER IMMOBILIZER Not Payable
150 LUMBOSACRAL BELT Essential and should be paid specifically for cases who have undergone surgery of lumbar spine.
151 NIMBUS BED OR WATER OR AIR BED CHARGES Payable for any ICU patient requiring more than 3 days in ICU, all patients with paraplegia/ quadripiegia for any reason and at reasonable cost of approximately Rs 200/ day
152 AMBULANCE COLLAR Not Payable
153 AMBULANCE EQUIPMENT Not Payable
154 MICROSHEILD Not Payable
155 ABDOMINAL BINDER Essential and should be paid in post surgery patients of major abdominal surgery including TAH, LSCS, incisional hernia repair, exploratory laparotomy for intestinal liver transplant etc. obstruction,
ITEMS PAYABLE IF SUPPORTED BY A PRESCRIPTION
156 BETADINE\ HYDROGEN PEROXIDE\ SPIRIT\ DISINFECTANTS ETC May be payable when prescribed for patient, not payable for hospital use in OT or ward or for dressings in hospital
157 PRIVATE NURSES CHARGES- SPECIAL NURSING CHARGES Post hospitalization nursing charges not Payable
158 NUTRITION PLANNING CHARGES - DIETICIAN CHARGESDIET CHARGES Patient Diet provided by hospital is payable
159 SUGAR FREE Tablets Payable- Sugar free variants of admissable medicines are not excluded
160 CREAMS POWDERS LOTIONS (Toileteries are not payable, only prescribed medical pharmaceuticals payable) Payable when prescribed
161 Digestion gels Payable when prescribed
162 ECG ELECTRODES Upto 5 electrodes are required for every case visiting OT or ICU. For longer stay in ICU, may require a change and at least one set every second day must be payable.
163 GLOVES Sterilized Gloves payable/ unsterilized gloves not payable
164 HIV KIT Payable- payable Preoperative screening
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