Cumulative Bonus health insurance, No Claim Bonus Comparision, No claim benefit India

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Hospitals India

	Insurance News Review of Avendus Study "Retail Health Insurance: A Large Whitespace" Dengue Care plan from Apollo Munich Health Insurance which offers coverage for any medical expenses incurred on inpatient or outpatient treatment due to dengue Portability of Health Insurance Policy started on Oct 1,2011 Give with one hand take it away by other hand Role of Insurance in progress of Health care Aviva Health Plus - India's Health + Savings India's first Plan with Guaranteed Returns even on claims Swine Flu-is it covered or not by insurance companies Female don't get a discount from insurance company HIV Care Health Policy Launched by Star health and Allied Insurance Company Limited Shri.P.Chidambaram, Honorable Union Minister of Finance Launches Revised Universal Health Insurance Maternity Expenses are covered by Max Bupa, Apollo Munich, ICICI Lombard & Star Health but certain waiting periods are applicable. Diabetic and High Blood Pressure Patients are covered by few companies Most of Insurance Companies offer health policy for above 61 years peoples ⁄ senior citizens New Mediclaim premium won't rise even if you make claims − Good News New India launches new mediclaim policy (Mediclaim 2012) with offering higher sum insured upto Rs 8 lakhs for existing and new customers.

For Comparative Insurance Quote: Sai Sadan, 252-K, 2nd Floor, Raja Dhirsain Marg, 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:

Proposal Forms of Insurance Companies

Non Receipt of Policy Letter to Send to Insurance Companies

9(f)- Health Insurance Cumulative Bonus Comparision

Rewards given on renewal to health insurance customers who did not lodge any claim during the year

Health Insurance Cumulative Bonus Comparision
Insurance Company's Name	Cumulative Bonus		Cumulative Bonus		Discount on Premium		Discount on Premium		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 premium 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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