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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
  1. Expenses on vitamins and tonics unless forming part of treatment for injury or disease as certified by the attending Physician.

  2. Injury or disease directly or indirectly caused by or contributed to by nuclear weapons/materials.

  3. Treatment arising from or traceable to pregnancy, childbirth including caesarian section.

  4. Voluntary medical termination of pregnancy during first 12 weeks from the date of conception. (Exclusion 4.12 will stand deleted where Policy is extended to cover maternity benefits).
This list varies from one Insurance Company to other Insurance company, therefore at the time of selection of Insurance Company you should ask for the latest list.
Maternity Hospitalization: -
During the year 2004 all insurance companies added maternity hospitalization to this list. But the same companies continue to offer maternity hospitalization under Group Mediclaim. It means if someone has Group Mediclaim insurance cover of Oriental Insurance and maternity hospitalization was covered, then you should not assume that your family insurance cover from Oriental will also cover the same. The corporate going in for Group policy from Oriental might have negotiated and paid extra premium for covering maternity hospitalization.
Pre-existing Diseases Cover :-
As far as individual/families are concerned no Insurance Company is covering prexisting diseases. ICICI lombard, which was offering such a product has recently withdrawn the same.
Recently we have come across good list in Max Bupa Policy (Annexure Ⅲ) which gives list of generally excluded in Hospitalisation Policy. We are reproducing those for your information.
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
1 HAIR REMOVAL CREAM Not Payable
2 BABY CHARGES (UNLESS SPECIFIED/INDICATED) Not Payable
3 BABY FOOD Not Payable
4 BABY UTILITES CHARGES Not Payable
5 BABY SET Not Payable
6 BABY BOTTLES Not Payable
7 BRUSH Not Payable
8 COSY TOWEL Not Payable
9 HAND WASH Not Payable
10 M01STUR1SER PASTE BRUSH Not Payable
11 POWDER Not Payable
12 RAZOR Payable
13 SHOE COVER Not Payable
14 BEAUTY SERVICES Not Payable
15 BELTS/ BRACES Essential and may be paid specifically for cases who have undergone surgery of thoracic or lumbar spine.
16 BUDS Not Payable
17 BARBER CHARGES Not Payable
18 CAPS Not Payable
19 COLD PACK/HOT PACK Not Payable
20 CARRY BAGS Not Payable
21 CRADLE CHARGES Not Payable
22 COMB Not Payable
23 DISPOSABLES RAZORS CHARGES (for site preparations) Payable
24 EAU-DE-COLOGNE/ ROOM FRESHNERS Not Payable
25 EYE PAD Not Payable
26 EYE SHEILD Not Payable
27 EMAIL/ INTERNET CHARGES Not Payable
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