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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
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
4- Salient Points of Various Products of Insurance Companies
Apollo Munich Insurance Company Limited.
  1. Second Health Insurance Co. of India.
  2. Started operations on Aug 8, 2007 in New Delhi.
  3. Focus on webbased.
  4. Product details are available on website.
Bajaj Allianz General Insurance Company Ltd :
  1. This company which has switched back from TPA for claim settlement to in house team.It claims: early claim settlement.
Cholamandalam MS General Insurance Company Ltd :
  1. Cover up to Rs. 10 lakhs is possible subject to meeting income criteria
  2. 140 day surgeries are covered. Highest number.
HDFC ERGO General Insurance Co. Ltd.
  1. Less known in the market for health insurance.
  2. Covering Ayurvedic Hospital, Hospitalization.
ICICI Lombard General Insurance company Ltd :
  1. Family floater is available.
  2. EMI payment plan is available
  3. Premium is higher because of their focus on better service.
  4. Limit on family floater at Rs 3 lakhs is somewhat low. In health advantage covers Pre existing diseases after 2years. Also covers OPD to a extent amount.
Iffco - Tokio General Insurance Company Ltd :
  1. Normal products at normal pricing.
  2. Ayurvedic treatment is covered.
Max Bupa Health Insurance Company Limited.
 
  1. Focus on metro cities
  2. Focus on upper segment or upper middle segment of society
  3. Use of smart cards
  4. Will not use TPAs
  5. For those opting for sum assured of Rs.15 lakhs – use of helicopter permitted for evacuation in case of emergency
  6. Max sum assured of Rs. 50 lakhs
  7. Reimbursement of medical tests cost incurred at the time of making proposal
  8. OPD coverage - yes
  9. Annual medical checkup
  10. A qualified doctor will be acting as your Relationship Manager – who will guide you on phone from time to time. He will even visit you when you are in hospital for serious ailment.
National Insurance Company Limited:
  1. Under normal policy discouraging issue of policy to these having age 50+
  2. Having Varistha Bima for senior citizens (age 60+) Premium increased. Having concept of Co pay introduced. It is 10% for senior citizens.
  3. Getting insurance policies and ID cards may take longer time than what is taken by some private Co's
  4. Hospital list is highest at 4082
  5. Having PPN conditions
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