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Health Insurance India Quote Contact: Ria Insurance Brokers Pvt Ltd, Om Plaza (1st Floor), 430/7,Sant Nagar, East of Kailash, New Delhi
-110065, Phone:011-41324957, 41623784, Mob:+91-8447757653, 8447757651 Email: ria1@surekhae.com, ibidelhi@gmail.com
Introduction to Health Insurance in India
 
Health Insurance provides risk coverage against unforeseen health expenditure that may result in financial hardship. Health insurance is one of the fastest growing areas in the insurance industry and is expected to grow to Rs. 30,000 crores in 5 years from the current Rs. 8,100 crores.
(1) Introduction of Health Insurance Policies   (2) Need of Health Insurance Policy
(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 in India does not Cover
(7) Selection of Health Insurance Product/Company   (8) Health Insurance through Life Companies
(9) Concept of :
 
a- Concept of Day Care Surgeries/Treatments Covered Insurance b- Cooling Off Period/30 days Waiting Period
c- Co-Pay Concept in Health Insurance Policy in India d- Health Insurance Through Credit Card
e- Concept of Commutative Bonus in Health Insurance Policy f- Health Insurance Commutative Bonus Comparision
(10) Specimen:
 
a- Proposal Forms of Insurance Companies   b- Non Receipt of Policy Letter to Send to Insurance Companies
   9(f)- Rewards given on renewal to health insurance customers who did not lodge any claim during the year
Health Insurance Commutative Bonus Comparision
Insurance Company's Name Cumulative Bonus Cumulative Bonus Discount on Prem. Discount on Prem. Vouchers
Individual Mediclaim Family Floater Individual Mediclaim Family Floater  
Per Year % Max Limit % Per Year % Max Limit % Per Year % Max Limit % Per Year % Max Limit % -
Apollo Munich 10% 50% 10% 50% - - - - -
Bajaj Allianz Nil Nil Nil Nil - - - - -
Bharti Axa - - - - 5% 25% 5% 25% -
Cholamandalam 5% 50% 5% 50% - - - - -
HDFC Ergo 5% 50% 5% 50% - - - - -
ICICI Lombard 5% 50% 5% 50% - - - - -
IFFCO Tokio 5% 50% 5% 50% - - - - -
Max Bupa - - - - - - - - 10% of renewal prem. amount **
National Ins. Co. 5% 50% - - - - - - -
New India Ins. Co. 5% 30% Nil Nil - - - - -
Oriental Insurance Nil Nil - - - - 5% 20% -
Reliance General 5% 50% - - 5% on Healthwise 20% on Healthwise 5% on Healthwise 20% on Healthwise -
Royal Sundaram 5% 50% 5% 50% - - - - -
Star Health - - - - 5% 25% 10% 10% -
United India Ins. Co. - - - - 5% 25% 3% after three claim free years. Starts from 4th year. 15% -
Universal Sampo 5% 30% - - - - - - -
Source : www.healthinsuranceindia.org
Note :
* Also covers families where each individual has sum assured mentioned against each family member.
** Vouchers can be used for OPD/Consultation/Medicines/diagonistic tests/Wellness Programme (Gym/shoes etc.)
1. Star Health discount (maximum) on family floater is limited to 10% only, not cumulative.
         
 
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