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Health Insurance Benefits, Service Provider Companies and Govt Schemes in Details

Health Insurance Benefits, Service Provider Companies and Govt Schemes in Details

Health insurance benefits, Health insurance service provider companies in india, Government health insurance schemes details. Know about all best health insurance company in india.

There is a saying that “Health is Wealth” and “An Apple A Day, Keeps The Doctors Away” but now days this is very difficult to stay fit and healthy because nothing is pure in this world specially in India. Fruits and vegetables are growing in dirty mud water, dangerous pesticides used by the farmer, organic crops not available and biggest problem is pollution. Our daily routine is also very hectic. We do not have time for exercise, we do not have time to take proper food, fast food / junk food is now in our main course, etc. There are lot more factors who affects our food, body and mind. Population is growing day by day and we have limited natural resources. So it is very difficult to stay fit. Sometimes we pay doctors / hospitals more than insurance premium amount and sometime we go to doctor frequently even more than we meet our near dear ones.

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In this scenario, it is a wise decision to take Health / Medical Insurance policy and after that we can have peace of mind and security against financial expenses for our self and for family also. Lot of people thinking that paying premium against insurance is our expenses but it’s not true. Fact is paying premium is our investment which gives you protection against expenses / losses.

Health Insurance is compulsory in all developed countries. India’s status is also growing day by day as people are aware and know the benefits of this insurance.

Here we will discuss some of the major benefits of having Health Insurance Policy.

Benefits of having a Health Insurance Policy

Cashless Treatment: Most of Health Insurance Companies provides Cashless Treatment. Cashless treatment means, a policy holder can take the facility/services from the doctors/hospital without paying a single penny. Hospital sends his bill directly to Health Insurance companies and that company pays their expenses directly to them.

Pre and post hospitalization expenses: Some Insurance Companies covers pre and post hospitalization charges up to the period of 60 days, depending on the insurance plans, disease and severity.

Transportation Charges: Insurance policy also covers the amount paid to ambulance towards the transportation of insured.

No Claim Bonus (NCB): If a policy holder not claimed for any treatment in previous year, Health Insurance Company provides ‘No Claim Bonus’ to him without no extra premium.

Medical Checkup: Insurance policy also provides options for health checkups. Free health checkup is also provided by some insurers based on your previous NCBs.

Room Rent: Insurance policy also covers room expenses depending on the premium being paid by the insured.  

Tax Benefit: Premium paid on Health insurance is tax deductible under section 80D of the Income Tax Act. Indian Government is trying to promote Health Insurance.

Peace of Mind: Insurance is a Risk Management. When you are transferring your risk to someone than peace of mind will be there. You can just take a deep breath and relax.

Required documentation

There is a minimum documentation require for Health Insurance Policy.

  • Age Proof

  • Identity proof

  • Address proof

  • Medical Checkup if required

  • Passport Size Photo

List of Health Insurance Companies in India

Now day’s the awareness of Health Insurance is increasing. Now people understand the benefit of insurance. Nearly 27% of the nation’s population is now insured. There are lots of options as far as insurance companies are concerned as both public as well as private health insurance operators are offering health insurance coverage.

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Let’s know in detail about Health Insurance Companies operating in India.

  1. National Insurance Co Ltd

  2. The New India Assurance Co Ltd

  3. The Oriental Insurance Co. Ltd

  4. United India Insurance Co Ltd

  5. Apollo Munich Health Insurance Company Ltd

  6. Star Health and Allied insurance Co Ltd

  7. Future Generali India Insurance Company Ltd

  8. Bajaj Allianz General Insurance Co Ltd

  9. Manipal Cigna Insurance Company

  10. Iffco Tokio General Insurance Co Ltd

  11. Reliance General Insurance Co Ltd

  12. Royal Sundaram Alliance Insurance Co Ltd

  13. Tata AIG General Insurance Co. Ltd.

  14. Cholamandalam MS General Insurance Co Ltd

  15. HDFC ERGO General Insurance Co Ltd

  16. Universal Sompo General Insurance Co Ltd

  17. Bharti AXA General Insurance Co Ltd

  18. SBI General Insurance Company Ltd

  19. Raheja QBE General Insurance Co Ltd

  20. MAX Bupa Health Insurance Company Ltd

  21. Religare Health Insurance Co Ltd

  22. Liberty General Insurance

  23. Export Credit Guarantee Corporation of India Ltd. (ECGC)

  24. Agriculture Insurance Co. of India Ltd.

  25. Shriram General Insurance Company

  26. Magma HDI General Insurance Company Limited

Healthcare Schemes by Government of India

The Indian government (center & state) have launched numerous medical insurance schemes to improve healthcare and make it accessible for the weaker sections of society Here is a list of health insurance schemes provided by the government:

  • Rashtriya Swasthya Bima Yojana (RSBY)

  • Pradhan Mantri Suraksha Bima Yojana

  • Central Government Health Scheme (CGHS) 

  • Aam Aadmi Bima Yojana (AABY)

  • Janashree Bima Yojana (JBY)

  • Employment State Insurance Scheme (ESIS) 

  • Universal Health Insurance Scheme (UHIS)

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