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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
Individual Mediclaim and family Health Insurance Products in India (Single Person)
 
(1) Comparison of Individual Health Insurance Policies (2) Premium Comparative Chart 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 Sundaram General Insurance Co. 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
Source: Website of The Oriental Insurance Company Limited
b) Oriental Insurance Co. Ltd.
19 REBATE UNDER SECTION 80 D OF INCOME TAX ACT: Aa per existing provisions.
GROUP POLICIES
The provisions as enumerated under the individual Policy remain the same except in respect of the following.
  1. Age: This insurance is available to a person between the ages of 5 years to 80 years, subject to the provisions detailed for inclusion of dependent children.
  2. Comulative Bonus: The Clause is not applicable.
  3. Cost of Health Check up: The Clause is not applicable.
  4. Renewal of Policy: Existing Group Policies (Standard or Tailor-made), if desired to be renewed on the expiring terms & conditions special reference shall be made one month to the Head office who alone shall sanction such renewals. The details should include: - 3 years premium & claim (Number and Amount )year- wise, Number of persons / families in each age band as per age bands given in premium chart in para 3, any special feature about coverage and sum insured.
  5. Renewal of Other Insurers Policies: The Clause is not applicable.
  6. Group Discount: The Group Discount depending upon total number of insured persons (families) at inception of the policy is allowed at the following scale.
P.S
a) No discount is offered for a group consisting of less than 101 members. b) Addition / deletion during currency will not be considered for change in discount. Discount is applicable on number or persons on renewal / inception date only.
No of persons / Families Discount%
101-1000 10.00
1,001-5,000 12.50
5,001-15,000 15.00
15,001-25,000 20.00
25,001-50,000 25.00
Family Package Policy Clause and Family discount not applicable.
  1. Pre-acceptance Health Checkup: As applicable under the individual Policy must be applied to the Group members also. However no reimbursement of expenses shall be allowed.
  2. Add on Benefit: The Clause is not applicable.
  3. Maternity Benefit Extension to new born baby: New born child shall be covered from day one upto the age of 3 months and expenses incurred for treatment taken in hospital as an inpatient only shall be payable subject to these being within the specifiedsum insured of Rs. 50,000/-.
  4. Special Rating for Group Policies : HO alone is authorized to specially rate a Proposal on the merits of the case. Proposals may be referred to HO along with the recommendations of the RO specifically keeping in mind the following factors.
    1. Insurance History Year-wise 3 years premium, claim( Number and Amount ) Number of Persons age band wise.
    2. Other Insurances/Portfolio of the client.
    3. Overall portfolio/Claims Experience for the last three years (year-wise 3 years premium & claim)
    4. Business potential of the client.
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