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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
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. 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. 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)
Oriental Insurance Company Ltd :
  1. Happy family floater is a product. Covering self, family, parents & parents in law.
  2. Discouraging issue of policy to those having age 50+
  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. Discount of 5% is given if you do not opt for cashless settlement option.
  6. Has done away with No Claim Bonus concept for new policy holders. 
Reliance General Insurance company Ltd :
  1. Lowest rate for those who are below 45 Yrs. On the spot handing over of policy with activation on phone.
  2. Family Floater available.
  3. Not keen on Group Health product.
Royal Sundram Alliance Insurance company Ltd :
  1. Simple proposal form
  2. Payment by credit card possible
  3. Generally do not issue policy for individuals on stand-alone basis.
  4. Hospital list is shorter.
  5. Maximum limit of Rs 3 lakhs in comparison to Rs. 5 / 10 Lakhs of others
  6. No claim bonus at 15% in comparision to 5% of others.
Star Health & Allied :
  1. First Health Insurance Company.
  2. Has introduced various products.
  3. Is issuing policy to Senior Citizens without medical test. However those submitting medical tests get 10% discount. Co payment for senior citizen varying from 30% to 50%.
  4. Not using TPA - which means inhouse 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.
United India Insurance Company Ltd :
  1. Discouraging issue of policy to age 50+
  2. Getting insurance policies and ID cards may take longer time than what is taken by some private Co's
  3. Hospital list is highest at 4082.
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