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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
Aditya Birla Health Insurance Company Limited.
 
  1. Covers modern treatment methods.
  2. Cashless home Treatment – Chemotherapy
  3. Ayush Treatment is permited
Bajaj Allianz General Insurance Company Ltd
  This company is using house team for 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.
  3. International Medical Second Opinion can be availed on payment of additional premium.
  4. Flexible sum insured options along with flexible payment mode.
  5. Free health check-up - once in every 2 claim-free years.
HDFC ERGO General Insurance Co. Ltd.
 
  1. Become bigger due to merger of Larson Turbo and Apollo Munich in it.
  2. Covering Ayurvedic Hospital, Hospitalization.
  3. Less known in the market for health insurance.
  4. Optima Secure health insurance, which redefines the value you get from health insurance, Can give 4X Coverage at no additional cost.
ICICI Lombard General Insurance company Ltd
  Premium is generally higher because of their focus on better service.
Iffco - Tokio General Insurance Company Ltd
 
  1. Normal products at normal pricing.
  2. Ayurvedic treatment is covered.
  3. 380 procedures covered under day care surgeries.
  4. Wellness benefits covered
Nive 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. Now focusing on increasing branches in South India
  7. Max sum assured of Rs. 1 crore.
  8. Reimbursement of medical tests cost incurred at the time of making proposal
  9. OPD coverage - yes
  10. Annual medical checkup
  11. 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. Having Varistha Bima for senior citizens (age 60+) Premium increased. Having concept of Co pay introduced. It is 10% for senior citizens.
  2. Having PPN conditions
  3. National Parivar + 50 Lakh Insured upto age 60.
New India Assurance Company Ltd
 
  1. Have started product for senior citizens.
  2. Raised sum assured for normal policy to Rs 10 Lakhs. Planning to raise this limit to Rs 25 Lakhs.
  3. Have recently come out with premium rates where India is divided into 3 Zones. Zone 1: Mumbai (Highest), Zone 2: Delhi/ Banglore, Zone 3: Rest of India (Lowest)
  4. Youth Plan new launched upto age 45 yrs.
Oriental Insurance Company Ltd
 
  1. Discouraging issue of policy to those having age 60+
  2. Getting insurance policies and ID cards may take longer time than what is taken by some private Co.’s
  3. Discount of 5% is given if you do not opt for cashless settlement option.
  4. Has done away with No Claim Bonus concept for new policy holders.
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