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Individual Insurance Plan, Family Health Insurance Products in India (Single Person)
 
(1) Features of Individual Health Insurance Policies (2) Premium Rate of Individual Health Insurance
(3) Coverage & Exclusion under Individual Insurance (4) Policy Wording/ Proposal Form/ Brochure
(5) Product details of Various Companies for Individual Health Insurance
General/ Health Insurance Companies Products
Apollo Munich Insurance Co. Ltd.
Bajaj Allianz General Insurance Company Limited
Cholamandalam Ms General Insurance Company Limited
Future Generali India Insurance Co. Ltd.
HDFC Ergo General Insurance Company Limited
ICICI Lombard General Insurance Co. Ltd.
IFFCO Tokio General Insurance Co. Ltd.
National Insurance Company Limited
Reliance General Insurance Co. Ltd.
Religare Health Insurance Company Limited
Royal Sundram Alliance Insurance Company Limited
Star Health and Allied Insurance Co. Ltd.
Tata AIG General Insurance Co. Ltd.
The New India Assurance Co. Ltd.
The Oriental Insurance Co. Ltd.
United India Insurance Co. Ltd.
Universal Sompo General Insurance Co. Ltd.
(6) Specimen Premium Rates of Insurance Company's
6- Specimen Premium Rates of Insurance Company's
b) Oriental Insurance Co. Ltd.
Oriental insurance has made significant changes in the underwriting guidelines for Mediclaim Policy on Sep 15, 2006. The salient points of these are.
  1. Premium has been reduced for lower age group and has been increased for higher age group.
  2. If cashless settlement option is not taken then discount of 5%
  3. Cumulative bonus concept has been removed but discount will be given in lieu of the same, which is favorable for the insured.
The full details of the underwriting guidelines are as follows:
  1. DATE OF ENFORCEMENT: This policy will be effective from 15-09-2006.
  2. TPA OPTION: The premium includes cashless facility through TPA. If the policy holder does not require cashless facility then 5% discount on premium may be given.
  3. AGE : This insurance is now available to a person between 18 to 80 years of age as under.
  4. PREMIUM RATES: The premium should be charged as per following scale which has modified Age band and sum insured band. The minimum sum insured is now  Rs. 50,000/- and can be increased in slabs of Rs.25,000/- upto Rs. 2 lacs & by  Rs.50,000/- from Rs.2 Lacs to Rs. 5 Lacs.
Sum Insured   Age In Years
  Domiciliary 3m- 20 21-35 36-45 46-55 56-60 61-70 Above 70
50000 10000 684 761 909 1421 2021 3020 4045
75000 15000 992 1102 1309 2063 2926 4366 5846
100000
125000
20000
23750
1325
1634
1472
1815
1760
2171
2749
3400
3913
4843
5838
7231
7820
9756
150000 27500 1942 2157 2579 4051 5771 8625 11691
175000
200000
31250
35000
2219
2496
2465
2773
2947
3316
4654
5258
6643
7514
9939
11256
13528
15369
250000 40000 2989 3321 3971 6373 9138 13733 18852
300000
350000
45000
50000
3483
3913
3870
4348
4626
5199
7488
8509
10765
12275
16211
18533
22335
25624
400000 50000 4345 4828 5773 9531 13783 20856 28916
450000
500000
50000
50000
4778
5208
5308
5787
6345
6918
10553
11575
15293
16803
23178
25501
32206
35495
Note : (Premium - Including Service Tax 12.36%)
  1. Dependent children between the age of 3 months and 21 years can be covered provided parents are covered concurrently and suitable premium is paid. If the child above 18 years is employed or if the girl child is married. He or she shall cease to be covered under the policy. However male child can be covered up to the age of 26 years. If he is a bonafide regular student and fully dependent on primary insured. Female child can be covered uptil the time, she is unmarried.
  2. If the insured has taken continuous Mediclaim insurance policy with Oriental for at least 5 years prior to attaining the age of 80 years the policy can be renewed beyond the age of 80 uptil the age of 90 years as a special case with the approval of Regional In charge on case to case basis.
  3. No inclusion of family member during currency of policy is permissible except for new born child between the age of 3 months to 6 months and newly married spouse within 60 days of marriage. Otherwise inclusion of family member shall be allowed only at the time of renewal.
Last Updated on Aug,2012
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