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Health insurance companies Health insurance plans Cashless medical insurance hospitalizaton Free medical treatment during hospitalization Piece of mind with health insurance policy
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Phone:011-41324957, 41623784, Mob:+91-8447757651 & 53 Email: ria@surekhae.com, ibidelhi@gmail.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
1- Introduction of Health Insurance Policies
Download Details
Family Floater (for families) health insurance and mediclaim
Health Insurance and Mediclaim for individuals
Health Insurance and Mediclaim for Senior Citizens
Overseas Travel Insurance
In mid 80’s most of the hospitals in India were government owned and treatment was free of cost. With the advent of Private Medical Care the need for Health Insurance was felt and various Insurance Companies (New India Assurance, National Insurance Company, Oriental Insurance & United Insurance Company) introduced Mediclaim Insurance as a product.
According to recent news report health insurance continues to be the fastest growing segment with annual growth rate of 12% to 15%. Health Premium has risen to Rs. 13325 crores in 2011-2012. As per the recent reports from various agencies the health sector has the potential to become a Rs. 30000-crore industry by 2015. Estimates of leading Chambers of Commerce also confirm these estimates.
On August 15, 2007 Prime Minister had announced Rs 2000 Crores for Health Insurance for poor citizens and the impact of the same is being seen by us in the form of success of RSBY (Rashtriya Swasth Bima Yojna).
In 2001 with entry of various private Insurance companies now the customers have choice of buying this insurance from 21 Insurance companies.
The Companies, which offer Health or Mediclaim Insurance are;
  1. Apollo Munich Insurance Company Limited
  2. Bajaj Allianz General Insurance Company Limited
  3. Bharti AXA General Insurance Company Limited
  4. Cholamandalam MS General Insurance Company Limited
  5. Cigna TTK Health Insurance Company Limited
  6. Future Generali India Insurance Company Limited
  7. HDFC ERGO General Insurance Company Limited
  8. ICICI Lombard General Insurance Company Limited
  9. IFFCO Tokio General Insurance Company Limited
  10. Larson & Toubro General Insurance Company Limited
  11. Liberty Videocon General Insurance Company Limited
  12. Magma HDI General Insurance Company Limited
  13. Max Bupa Health Insurance Company Limited
  14. National Insurance Company Limited
  15. Raheja QBE General Insurance Company Limited
  16. Reliance General Insurance Company Limited
  17. Religare health Insurance Company Limited
  18. Royal Sundaram Alliance Insurance Company Limited
  19. Shriram General Insurance Company Limited
  20. SBI General Insurance Company Limited
  21. Star Health and Allied Insurance Company Limited
  22. Tata AIG General Insurance Company Limited
  23. The New India Assurance Company Limited
  24. The Oriental Insurance Company Limited
  25. United India Insurance Company Limited
  26. Universal Sompo General Insurance Company Limited
India is the only country where hospitalization insurance policy was being sold as Mediclaim Insurance Policies. The very name gives a feeling to the insured that claim has to be lodged. If motor insurance policy is not sold as motor insurance claim policy and household insurance policy is not sold as household claim policy then why this be named as Mediclaim?
Since 2002 the trend has emerged that some Insurance companies have started calling this product as Health Insurance and in 2012 we find it is the common nomenclature for this insurance.
Health Insurance and Mediclaim are two different names for the same product. The change has started coming and now we have started calling it Health Insurance. ICICI Lombard has even named it as Health Insurance Policy.
Calling is as Health Insurance is a positive way of looking at this Insurance. It also giving us a feeling that we as a society have started moving from curative medical care to preventive medical care.
According to sources in Oriental insurance it is being felt that mindset has started changing over the last couple of years “ The new middle- class of of India aspires for quality healthcare service and doesn’t mind going to expensive hospitals like Apollo or Escorts. There is no reason why healthcare insurance should not be successful with this class.
 
 
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