Health Insurance

Health Insurance

Definition:

Health Insurance- It is a type of insurance coverage that pays for medical and surgical expenses that are incurred by the insured. Health insurance can either reimburse the insured for expenses incurred from illness or injury or pay the care provider directly.

Health insurance coverage is the amount of financial and medical protection given to a policy holder by an insurance company.  Basically insurance companies provides an agreement between the buyer and the insurance company wherein service provider company promise to provide coverage to the individual during any healthcare need. The extent of coverage provided by a company is stated in its terms and conditions. Insurance coverage can have a limited perspective or a broader one, depending upon the plan opted for. It differs from policy to policy as they concentrate on different kinds of healthcare needs.

Health insurance coverage against risk from:-

· Medical – health insurance takes into deliberation all the medical treatments that an individual may require during the cover period.

· Travel - It fulfils the medical needs arising from travel.

· Accident - It provides medical and financial protection for exigencies arising due to an accident.

There are two types of coverage provided by a health insurance company:

1. Cashless Basis – Here an insurance company establishes links with certain hospitals (known as network hospitals), which provide treatment to the insured person, up to the sum insured and in return hospital claims the payment from the insurance company and not from the customer. This protects the person from dealing with medical bills. By providing basic details to the hospital, individual can get rid of the procedure of bill payment.

2. Reimbursement Basis – Here the patient gets treatment in any registered hospital, for the disease or treatment, which has been covered and then claims for the medical expenses incurred, up to the sum insured. Here, hospitals do not engage themselves in transaction with the insurance company directly.

Some of the top health Insurance companies in India which provide services are:

  • Apollo DKV Insurance Company Ltd.
  • Aviva Life Insurance
  • Birla Sun Life Insurance
  • E-Meditek Solutions Limited
  • Health India-Bhaichand Amoluk Insurance Services Pvt. Ltd.
  • HSBC Health Insurance
  • Life Insurance Corporation Of India
  • Max New York Life Insurance
  • Med Assist India Ltd.
  • MetLife India Assurance Company
  • National Insurance Company
  • Paramound Health Group
  • Royal Sundaram Alliance Insurance Company Limited
  • Star Health and Allied Insurance Company Limited
  • Tata AIG
  • The New India Assurance Co.
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  • United Healthcare
  • United India Insurance


Example of health Insurance:

Apollo Munich Health Insurance takes care of all the needs of an individual family in any case. Its wide range of healthcare products offers insurance coverage against varied health risks. It Keeps its focus on healthcare needs of people, the company has emerged with comprehensive and innovative healthcare products. The company has been growing fast in the market and offers customers the option of purchasing and renewing the policy over the Internet.

The company also introduced online insurance; the insurer brings in the concept of instant insurance. Person can acquire health security in few minutes by making few clicks of mouse. This has uncomplicated medical insurance coverage for the buyers.

Companies are offering different policies for different kinds of insurance coverage. Depending upon the plan, Apollo Munich health insurance products offers coverage for:-

Group - It is generally choose by employers for covering their employees against arising health risks.

Individual - Here, only an insured person gets the benefits of the policy purchased. He/ she will be entitled to financial coverage and the related insurance benefits.

Family - Here, the entire family (an insured, his/her spouse, dependent parents and dependent children) is covered.

Senior - It is meant for insurance coverage of senior citizens.
Before going for any Health Insurance ask the following Questions:

1. 1What is Mediclaim?
3. What policy terms are available for health insurance policies?
4. How long is my health insurance policy valid?
5. Are there any tax benefits if I take a health insurance or mediclaim policy?
6. Do I have to undergo a medical check-up to get a health insurance or mediclaim policy?
7. What is a family floater policy?
8. What is a cashless facility?
9. What is a co-payment?
10. What is TPA?
11. What do the terms Pre and Post hospitalization mean in health insurance policies?
12. What are the benefits I can expect from health insurance policies?
13. What is a health insurance card?
14. Do health insurance policies cover pre-existing diseases?
15. What companies offer health insurance policies in India?
16. Can I buy health insurance policies online?

Before taking any decision first look at your needs, take your time to decide upon the appropriate health insurance coverage required and then buy the plan that fulfils all your requirements. It is better to think peacefully than to regret later. It can be a best medical insurance coverage secure your future but for you have to be very careful before buying any plan.

Enjoy stress free health treatment in times of need with health Insurance.


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Comments

0 # Priyansh 2018-02-15
Hii, I am from Bongaigaon, can you plz tell me What is the mode of infection in syphilis ?
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0 # Dr. Pooja 2018-02-16
90 percent cases in syphilis are transmitted through unsafe sexual contacts, Mothers can also pass infection through breast milk, you can also consult with good Gynecologist in Bongaigaon .
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0 # Rohan 2018-02-01
Hii, plz tell me,Which tests can confirm syphilis in primary stage, also suggest name of good maternity hospitals in Kolkata ?
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0 # Dr. Pooja 2018-02-02
During the primary stage,DG illumination tests are very helpful, find good maternity hospitals-Bhagirathi Neotia Woman and Child Care Centre ; Arogya Maternity and Nursing Home ; Royd Nursing Home and Health Care Limited ; Angel Maternity Nursing Home.
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0 # Jayesh 2018-01-04
Hii, I am from Kendrapara, I want to know can cigerrete sharing can lead to syphilis ?
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0 # Dr. Naresh 2018-01-05
yes,sharing cigerette,drinking cups,common spoons etc can also lead to syphilis, Generally whenever the fluid of a person who has syphilis is shared,the infection can occur, you should also consult with good Gynecologist in Kendrapara
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0 # Aayush 2017-12-14
Hii, can you plz tell me,What changes can occur in skin in syphilis patient, also suggest good obstertrician in Tirunelveli ?
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0 # Dr. Naresh 2017-12-15
Rashes can occur on the skin in the near areas,rashes can be discrete and also symmetrical in nature, Rashes can also be pustular, you can consult with Obstetrician in Tirunelveli.
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0 # Vaibhav 2017-11-30
Hello, plz tell me what are venereal diseases, can you plz suggest some good gynecologist in Kurung Kumey ?
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0 # Dr. Naresh 2017-12-01
veneral diseases are those which can be spread through sexual contact, The spreading agents can bacteria ,viruses etc, The examples are syphilis and gonorrhoea can be can spread by sexual contact, you can also find list of Gynecologist in Kurung Kumey.
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0 # Priyansh Older than three months
Hello, I am from Rajnandgaon, PLz suggest some biochemic remedies for gonorrhoea .
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0 # Dr. Naresh Older than three months
Kali Mur, Natrum Mur, Natrum Sulph, and silicea are few important biochemic emedies in homoeopathy which can be used safely in this case, you can also take advise from gynecologist given here-Gynecologist in Rajnandgaon.
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0 # Tushar Older than three months
Hello, plz let me know What is menarche, I want to consult with gynec in Kabuganj, plz suggest ?
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0 # Dr. Pooja Older than three months
the process of starting of the menstrual cycle in females is called menarche, plz find good Gynecologist in Kabuganj.
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0 # Nishith Older than three months
Hii, I am from Faizabad, plz let me know What is gonorrhoea ?
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0 # Dr. Pooja Older than three months
Hello, Gonorrhoea is a sexually transmitted disease caused by the Neisseria gonorrhoea,This disease is caused in the genitourinary tracts, for more details plz visit good gynec in Faizabad, find list of Gynecologist in Faizabad
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0 # Jayesh Older than three months
Hii, can you plz tell me,What changes can occur in skin in syphilis patient, also suggest good obstertrician in Khordha ?
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0 # Dr. Naresh Older than three months
Rashes can occur on the skin in the near areas,rashes can be discrete and also symmetrical in nature, Rashes can also be pustular, you can consult with Obstetrician in Khordha.
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0 # Vaibhav Older than three months
My friend has been diagnosed with gonorrhoea, Please tell which tests will be advisable, also suggest gynec in Chandrapur ?
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0 # Dr. Pooja Older than three months
VDRL tests should be done every month for 3 consecutive months for detecting syphilis as well as other sexually transmitted diseases,These tests should be conducted at proper times, find good Gynecologist in Chandrapur
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