Health insurance

Health Insurance

Health insurance ka mtlb hota kisi v person ko medical kharche mai full or partially help krna. Health insurance m kisi tarah ka health issue m apko help krta h . Individual , family, group kisi trh ka health plan le skte h . apko koi v individual medical or surgical  kharche m help krega. ydi ap 24 hr se jyda hospital mai rhte h to insurance company apko khare degi. Ab to india mai opd ke  facility v start ho gye h mtlb ydi ap kisi v doctor se aise v dikhane ya suggestion or medicine lene jate h bina hospital m admit hue v tb v insurance company apka medical kharche degi  . india m  khash kr india m medical kharche daily mahge hote ja rhe aur india 90% person ko koi na koi health problem h . khash kr village area m to aur . india m ydi koi critical illness ka ijjal karna ek middle class family ke liye bht muskil ho rha h . isly india goverment aur private sector dono ispe kam kr rhe . isly health insurance lena bht jaruri h aj ke time mai.

Health Insurance Handbook(English)

Health Insurance Handbook (Hindi)

Type of health insurance india:-

1.Hospitalization Plans :-  Hospitalization plan m insured person ko hospitalization aur medical cost diya jata h jitne tk ka wo sum assured liya hota. Sum assured fixed hota h mtlb apka insurance plan kitne ka h. ydi ap individual liye h to individual plan kitne ka h. aur family plan liye h to kitne ka plan h.

2. Hospital Daily Cash Benefit Plans :-  Ismai plan m phle se define rhta h ki per day apko kitne cash diya jayega  chahe actual cost kuch v ho. ye apke plan pe depends krta h ki apko kitna cash milega. shayad Rs 2000/day or Rs 1500/day mail.

3. Critical Illness Plans :- is plan mai phle se defined critical illness mai defined lumpsum amount insurance company deti treatment ke time pe. critical illness m wo bimari aati h jinka treatment cost bht jyda hota normal bimari se jaise Aorta graft surgery,Significant organ transplant,Cancer,Multiple sclerosis,Coronary artery bypass surgery,Paralysis,First heart attack,Primary pulmonary arterial hypertension, Kidney failure,Stroke aur aise approx 33 other bimari aate h.

 Forms of health  insurance:-

  • Individual medical insurance
  • Overseas medical insurance
  • Group medical insurance

Benefits of Health Insurance Policy:-

  1. Apko medical khareche se secure krti h premium amount ke badle mai.
  2. ye apke medical  and hospitalization ke bills pay krte h
  3. ye apko future ke financial loss ye bachati h jab treatment ke kharche mahge hote h.
  4. Tax benefits milte h indian income Tax Act’s section 80D ke andar.

60 saal ke  age ke bad v le skte h health insurance.

kaise apne liye Best health Insurance choose kre:-

1. Sbse phle check kre  insurance company hospital rooms, doctors aur surgeons ka paisa de rha h ya nhi.

2. Check kre ki Basic protection de rha h ki nhi.

3. check kre ki medical tests, medicines aur other jaruri kharche de rha h ki nhi.

4. Check kre kuch extra options v h ydi bad insured person ki jarurat padi to.

5. check kre plan m critical illness ke option available h ki nhi jaise kidney failure , heart attack or cancer and  diabetes etc.

6. Ye v check kre ap jo plan le rhe h usmai tax benefits hai .

Points jo insurance premium pe  effect krte use v check kre:-

  1. Age:- plan lete time age hmesha correct de kiyu age se premium mai bht diffrence aata h .
  2. Policy Term:- apka policy term jitna lamba hoga premium utna kam hoga to ye v check kr ke hi le.
  3. Claim free years:- ydi ap pichle ek sal do sal ya usse v phle se claim nhi le rhe h to apko premium lete time ko discount milgea isly ye v  ek bad check kr le.
  4. Occupation (Apka kam):- ye v premium pe effect krta h, jaise ap teacher or clerks h to apko pilot se kam premium dena padega. Mtbl premium ispe v change hota h ki ap kitne riski kam kr h.

Health insurance mai claim krne liye kya kya document chahiye:-

  1. claim Form achhe se fill aur sign kiya hua.
  2. Reports or receipts  diagnostic test ka.
  3. hospital discharge certificate .
  4. Reports or bill  consultants, anesthetists or diagnosis ka.
  5. bimari related document starting day complete medical history.
  6. surgaon or doctors ka certificate insured complete thik ho gya.
  7. All bill, cash memo or receipts jo apko hospital se mila.
  8. ydi previous policies tha to uska details bhi.

IRDA Incurred Claim Ratio 2016-17 for Public Sector Health Insurance Companies

Incurred-Claim-Settlement-Ratio-of-Public-Sector-Health-Insurance-Companies-2016-17

IRDA Incurred Claim Ratio 2016-17 for Private Sector Health Insurance Companies

Incurred-Claim-Settlement-Ratio-2016-17-Private-Sector-Companies

IRDA Incurred Claim Ratio 2016-17 for Standalone Health Insurance Companies

Incurred-Claim-Settlement-Ratio-2016-17-Standalone-Health-Insurance-Companies

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