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Health insurance

Compare premiums & features of health insurance plans from best medical insurance companies in India.<br><br>Get detailed comparison to get the best mediclaim policy for your family

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Health insurance

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  1. http://www.policyadvisor.in

  2.  What is Health Insurance? • Health insurance is a type of insurance coverage that covers the cost of an insured individual's medical and surgical. • Health Insurance is a contract between an individual/group and the insurer. • In health insurance terminology, the "provider" is a clinic, hospital, doctor, laboratory, health care practitioner, or pharmacy. http://www.policyadvisor.in

  3. Reasons for Health Problems • Physical Activity and Nutrition • Overweight and Obesity • Tobacco • Substance Abuse • HIV/AIDS • Mental Health • Injury and Violence • Environmental Quality • Immunization • Access to Health Care http://www.policyadvisor.in

  4. Rising Health Care Costs - Reasons • Specialty drugs, higher medical bills • Technology advancements • Cost of trained healthcare staff • Hospital infrastructure • Medical equipment • Cost of living • Inflation Rising drug prices • Super specialty doctors • Defensive Medical practice http://www.policyadvisor.in

  5. Why is health insurance essential? • Ambulatory patient services • Emergency services • Hospitalization • Maternity and newborn care • Mental health and substance abuse disorder services (including behavioral health treatment) • Prescription drugs • Rehabilitative and habilitative services and devices • Laboratory services • Preventive and wellness services and chronic disease management • Pediatric services, including oral and vision care http://www.policyadvisor.in

  6. Health Insurance Market in India India consists of 52 insurance companies of which 24 are in life insurance business and 28 are non-life insurers. Among the life insurers, Life Insurance Corporation (LIC) is the sole public sector company. As per data reported on websites of various general insurers, the Gross Written Premium (GWP) for FY 2014-15 (i.e. the period April 2014 to March 2015) generated by 27 general insurance companies in India, is INR 87,625 crore (USD 14.1 billion). The corresponding figure for last fiscal (FY2013-14) was INR 79,688 crore (USD 12.8 billion). The only company whose website does not show the required details till writing this newsletter is Agriculture Insurance Company of India (AIC). http://www.policyadvisor.in

  7. Health Insurance – Role of Hospitals Hospitals are the right place for creating awareness of health insurance http://www.policyadvisor.in

  8. Issues & Challenges: Healthcare providers Inaccessibility of Healthcare Services Source Lack of or Absence of Infrastructure Fastest growing population Changing disease profile and Re-emerging diseases Multilayered Healthcare System http://www.policyadvisor.in

  9. Issues & Challenges: Healthcare providers No unwanted investigations, treatments, delays Classification of hospitals & transparency No overcharging for insured patients No fraudulent medical certification Pre-existing diseases & treatment education http://www.policyadvisor.in

  10. www.policyadvisor.in Retirement Advisor Term Insurance Advisor Health Insurance Advisor Pension Income Planner Child Insurance Advisor

  11. Thank You

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