A PRESENTATION ON

VARIOUS INSURANCE PLANS

GIVEN BY VARIOUS INDIAN
COMPANIES
a PRESENTED BY:-
a PRESENTED TO:- AFSANA UKA 36
RAHUL SHARMAÃ YOGESH UKANI 37
LILA VADHER 38
VATSAL VAIDYA 39
VINAYAK YADAV 40
YUVRAJ YADAV 41
 MEANING OF HEALTH
INSURANCE
a Health insurance in a narrow sense would be
µan individual or group purchasing health
care coverage in advance by paying a fee
called ^
.¶
a n its broader sense, it would be any
arrangement that helps to defer, delay, reduce
or altogether avoid payment for health care
incurred by individuals and households.
Given the appropriateness of this definition
in the ndian context, this is the definition,
we would adopt.
 THE COMPANIES, WHICH OFFER
HEALTH OR MEDICLAIM INSURANCE,
ÿ Apollo Munich Insurance
Company Limited
ÿ Bajaj Allianz General Insurance
Co. Ltd.
ÿ Bharti AXA General Insurance
Co. Ltd.
ÿ Cholamandalam MS General
Insurance Co. Ltd.
ÿ Future Generali India Insurance
Co. Ltd.
ÿ HDFC ERGO General
Insurance Co. Ltd.
ÿ ICICI Lombard General
Insurance Co. Ltd.
ÿ IFFCO Tokio General Insurance
Co. Ltd.
ÿ Larson & Toubro General
Insurance Co. Ltd.
a Max Bupa Health Insurance Co. Ltd.
ÿ Õational Insurance Co.Ltd.
ÿ Õew India Assurance Co. Ltd.
a Oriental Insurance Co. Ltd.
a Raheja QBE General Insurance
Co. Limited
a Reliance General Insurance Co.
Ltd.
a Religare Health Insurance Co. Ltd.
a Royal Sundaram Alliance
Insurance Co. Ltd
a SBI General Insurance Co. Ltd.
a Shriram General Insurance Co.
Ltd.
a Star Health and Allied Insurance
Company Limited
a Tata AIG General Insurance Co.
Ltd.
a United India Insurance Co. Ltd.
a Universal Sompo General
Insurance Co. Ltd.
 NEW INDIA ASSURANCE
COMPANY
uho can take this policy?
a Úhis insurance is available to persons
between the age of 18 years to 60 years.
Children between the age of 3 months to
18 years can be covered provided parents
are covered simultaneously. Úhe persons
beyond 60 years can continue their
insurance provided they are insured under
Mediclaim policy with our Company
without any break
 POLICY COVER
a Úhe policy covers hospitalization
expenses for the treatment of illness/injury
provided hospitalization is more than 24
hours. Pre-hospitalization expenses for 30
days and post hospitalization expenses for
60 days are also payable.
a Ambulance Charges for shifting the
insured from residence to hospital are
covered up to the limits specified in the
policy.
EXCLUSIONS
a àiseases contracted within 30 days of insurance
a àental treatment except arising out of accident.
a àebility and General Run down Conditions.
a Sexually transmitted diseases and H
AàS)
a Circumcision, Cosmetic surgery, Plastic surgery unless
required to treat injury or illness
a accination and noculation
a Pregnancy and child birth
a War, Act of foreign enemy, ionising radiation and nuclear
weapon.
a Úreatment outside ndia
a Naturopathy
a àomiciliary Úreatment
a Experimental or unproven treatment
PREMIUM
a Premium is based on age of the proposer and geographical
area of treatmentÃ
 RELIANCE INDIVIDUAL MEDICLAIM
INSURANCE POLICY
a ñey Advantages
a Hospitalization Care for the Family
Reliance Mediclaim nsurance Policy covers you andyour family
for hospitalization and related expenses. Family members between
the ages of 5 and 80 years can be covered. Úhe policy also provides
health insurance for children between the ages of 3 months and 5
years if one of the parents is covered concurrently.

a Claim-Free Bonus
We reward you with a no-claim bonus of 5% on every claim-free
renewal. Úhis can be accumulated up to a maximum of 50%.

a Tax Advantage
With health insurance you not only protect your family but also
can avail of tax benefits under Section 80à of the ncome Úax Act.
POLICY COVERAGE
a Hospitalization Expenses
a Medicine and Consumables
a àay Care Úreatment
a àomiciliary Hospitalization
a Pre- and Post-Hospitalization

ELIGIBILITY
Úhe policy can be issued to:
a Persons between 5 years and 80 years of age
a Children between 3 months and 5 years if
one or both parents are covered concurrently
EXCLUSION
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 THE UNITED INDIA INSURANCE

COMPANY
uho can be Insured?
a Any person in the age group of 5 to 75 years Children between 3
months and 5 years can be covered only along with parent/s.
a nstitutions
Government or Private ) for their employees
a Clubs / association for their members in the said age group.
a Group schemes for homogenous groups of more than 50 persons
Other Benefits
a àomiciliary hospitalization benefits can be excluded under group
mediclaim policy and a premium discount can be availed
a Exemption under income tax
80à of ncome Úax Act) for Premium
paid by cheque
a A discount of 10% of total premium for coverage of family under a
single policy.
WHAT WILL POLICY PAY?
a Actual hospitalization expenses of various types listed above
subject to a
maximum of Rs. 15,000/- to Rs. 5,00,000/- depending upon
the sum insured chosen at the inception of the policy
sum
insured is maximum liability under the policy.)
a Actual domiciliary hospitalization expenses limited to Rs.
3,000/- to Rs. 50,000/- depending on the sum insured chosen
at inception.
a Cost of health check up reimbursable at the end of 4
continuously claim free underwriting years limited to 1% of
Average sum insured of 4 claim free years
a Úhe sum insured will be increased by 5 % cumulative bonus
for every claim free year. f there is a claim in a policy with
cumulative bonus 10% of the sum insured will be reduced
from the earned bonus.
 ICICI LOMBARD GENERAL
INSURANCE
CO. LTD.
a CC ombard brings to you a comprehensive health
insurance plan that ensures the safety of your entire family
under one policy. With cashless hospitalization at over 3500+
network hospitals along with income tax benefits, buying
health insurance was never this easy

WHAT IS COVERED?
Critical Care offers you a choice of coverage on both the sum
insured and the tenure of the policy. You can choose between
a cover of 3 akh, 6 akh or 12 akh sum insured and policy
duration between 1 year, 3 years or 5 years.
KEY OBJECTIVE
a Comprehensive coverage for your family with floater
benefit
a Cashless claims facility at over 3,500+ network
hospitals across ndia
a No medical check up upto the age of 55 years
a Continue to enjoy quality service even during claim
settlements with - CC ombard Health Care - our
own in-house health claim processing and wellness
team
a No sub-limits on room rent, doctor fees, and hospital
charges or for any disease
except Cataract where Rs.
20,000 per eye is applicable).
a No co-payments for any disease or any hospitalization
expenses
NATIONAL INSURANCE CO.
CO. LTD
a Scope Of Cover
1) Reimbursement of hospitalization expenses
which are reasonably and necessarily
incurred , under the following heads :
A. Room, boarding expenses as provided by
the hospital/nursing home.
B. Nursing expenses.
C. Fees of surgeon, anesthetist, medical
practitioner, consultant and specialist.
à. Expenses on account of anesthesia, blood,
oxygen, operation theatre charges, surgical
CONTIu
2) Premium paid for the policy towards self,
spouse, dependent children and dependent
parents are exempt from ncome Úax
under Sec. 80à of the l.Ú. Act.
3) Cost of Health Check Up and
Cumulative Bonus - Benefits will accrue
only if the Policy is a renewal of
µÕational¶.
ADDITIONAL FEATURES
1) àefinition of Family:
† Self
Primary nsured).
† Spouse.
† àependent Children
† àependent parent
2) Sum nsured:
Minimum sum insured shall be Rs 50,000/- and can be
increased in multiples of Rs 25,000/-Up to Rs 5 lacks.
Úhe sum insured must be identical for primary insured
and the dependents. However, the children may be
covered for 50% Sum nsured as per item no. 2 aboveÃ
3)ÚPA option
4) Pre -Acceptance Health Checkup
COMPARISON:
a Here we take a just five insurance company out of
twenty three companies. n which THE UÕITED
IÕDIA IÕSURAÕCE COMPAÕ is more
favorable in compare to the others. Others are
gave age limit of 5 to 60 year but it is give a 5 to
75 years and also children of 3 months to 5year.
And also provide a Group schemes for
homogenous groups of more than 50 persons. Úhe
main benefit of the it is gave benefits to those
people who are more healthy and gave them some
percentage of the total premium.
a