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Various health insurance companies who provide insurance in India. Get free health insurance quote today from best health insurance companies in India for your entire family insurance plans Get Cashless medical insurance hospitalizaton form most of insurance companies plan Free medical treatment during hospitalization Peace of mind with health insurance policy
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
Reliance General Insurance company Ltd
 
  1. Family Floater policy is available.
  2. Not keen on Group Health product.
  3. Child born is covered upto 90 days.
  4. OPD & dental treatment can be covered.
Royal Sundaram Alliance Insurance company Ltd
 
  1. Simple proposal form
  2. Generally do not issue policy for individuals on stand-alone basis.
  3. Hospital list is small.
  4. No claim bonus at 20% in comparison to 5% of others.
Star Health & Allied
 
  1. First Health Insurance Company of the country has highest portfolio.
  2. Has introduced various products
  3. Is issuing policy to Senior Citizens without medical test. However those submitting medical tests get 10% discount. Copayment for senior citizen varying from 30% to 50%.
  4. Not using TPA - which means in-house settlement of claims. Has introduced concept of Co Pay. Limit 30% to 50% for Senior Citizens.
  5. Special product for Senior Citizens with higher premium.
  6. Micro Insurance concept for low income group
  7. Product for persons having chronic disease
  8. Attractive rate for those who are under 40 year.
United India Insurance Company Ltd
 
  1. Discouraging issue of policy to age 60+
  2. Getting insurance policies and ID cards may take longer time than what is taken by some private Co.’s
  3. Single AC private room only in single PSU.
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