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| Individual Mediclaim and family Health Insurance Products in India (Single Person) |
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| (1) |
Comparison of Individual Health Insurance Policies |
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(2) |
Premium Comparative Chart Individual Health Insurance |
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Coverage & Exclusion under Individual Insurance |
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(4) |
Policy Wording/ Proposal Form/ Brochure |
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Product details of Various Companies for Individual Health Insurance |
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| General/ Health Insurance Companies Products |
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| Apollo Munich Insurance Co. Ltd. |
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Easy Health Individual Health Insurance Plan |
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| Bajaj Allianz General Insurance Company Limited |
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Health Guard |
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Hospital Cash |
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| Bharti AXA General Insurance Company Limited |
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Smart Health Individual Policy |
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| Cholamandalam Ms General Insurance Company Limited |
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Individual Health |
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| Future Generali India Insurance Co. Ltd. |
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Health Suraksha Individual Plan |
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| HDFC Ergo General Insurance Company Limited |
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Health Suraksha |
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| ICICI Lombard General Insurance Co. Ltd. |
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Health Advantage Plus |
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| IFFCO Tokio General Insurance Co. Ltd. |
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Individual Medishield |
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| National Insurance Company Limited |
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Mediclaim Policy |
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| Reliance General Insurance Co. Ltd. |
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Individual Mediclaim Insurance Policy |
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| Star Health and Allied Insurance Co. Ltd. |
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Medi Classic |
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Medi Premier |
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True Value |
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| Tata AIG General Insurance Co. Ltd. |
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Maharaksha |
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| The New India Assurance Co. Ltd. |
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Mediclaim 2007 |
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| The Oriental Insurance Co. Ltd. |
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Individual Mediclaim Policy |
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| United India Insurance Co. Ltd. |
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Mediclaim Policy |
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| (6) |
Specimen Premium Rates of Insurance Company's |
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| 6- Specimen Premium Rates of Insurance Company's |
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| Source: Website of The Oriental Insurance Company Limited |
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| b) Oriental Insurance Co. Ltd. |
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| 6. DEFINITION OF HOSPITAL : |
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| The following changes in the definition of Hospital may be noted. |
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| HOSPITAL/ NURSING HOME : |
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| Means any institution in India established for indoor care and treatment of sickness and injuries and which either. |
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- Is duly licensed and registered as a Hospital or Nursing Home with the appropriate authorities and under the supervision of a registered and qualified Medical Practitioner.
- In areas where Licensing and registration facilities with appropriate authorities are not available the institution must be one recognized in the locality as Hospital / Nursing Home and should comply with minimum criteria as under.
- It should have at least 15 in-patient beds case of Metro cities, A Class cities & B class cities or 10 in- patient medical beds in case of "C class" cities. Classification of cities shall be as per Govt. of India Notification issued in this respect from time to time
- Fully equipped and engaged in providing
Medical and Surgical facilities along with diagnostic facilities i.e.
Pathological test and X-ray, E.C.G. etc. for the care and treatment of
injured or sick persons as in-patient.
- Fully equipped operation theatre of its own, whenever surgical operation is carried out.
- Fully qualified nursing staff under its employment round the clock
- Fully qualified Doctor (s) should be physically in charge round the clock
- COST OF HEALTH CHECK : The Insured shall be entitled for reimbursement of cost of Health check up undertaken once at the expiry of a block of every four continuous claim free years. The cost so reimbursable shall not exceed 1% of the average Sum Insured for the preceding 4 years.
- In view of the coverage now being provided in respect of pre-existing diseased/illnesses definition of pre-existing health condition/diseases/ailments/injuries and benefit of inclusion of pre-existing diseases etc, must be understood as follows :-
- Any aliments/diseases/injuries/health conditions which are pre-existing (treated/untreated, declared/not declared in the proposal form), when the cover incepts for the first time are excluded upto 4 years of this policy being in force continuously.
- For purpose of applying this condition the date of inception of the initial Mediclaim Policy with Oriental Insurance Company shall be considered provided the renewal have been continuous and without break.
- This exclusion will also apply to any complications arising from pre existing ailment / diseases / injuries. Such complication will be considered as a part of the pre existing health condition or disease.
- Any disease contracted by the Insured person during the first 30 days from the commencement date of the policy is excluded except treatment for accidental external injuries.
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