Are there any specialty health insurance policies?

1. 

   chirag
   

   new member
   Joined: Jun '09
   Posts: 2

   Reputation:4

    

   Posted 2 years ago #
2. 

   devanand
   

   senior admin
   Joined: Jun '09
   Posts: 94

   Reputation:97

    

   Every insurance company is having their own Mediclaim Insurance policy/product with variations in coverage and premium and overall benefits.

   For example : National Insurance Company is offering follwoing Mediclaim products:

   1. Individual Mediclaim Policy with standard cover and high premium
   2. Parivaar Mediclaim Policy with Flaoter sum insured
   3. Sampoorn Arogya Bima Policy with low premium
   4. Critical illness policy can be taken as an extended part of Mediclaim policy, provides settlement of claim on detection of disease without having undergoan any treatment, subject to waiting period, etc.
   5. Varistha Bima Yojna policy for senior citizens with pre-existing cover with waiting period.

   LICI also have a Health Plus plan (unit liked one) but it is not a reimbusrement policy like that of National insurance or other Non-life insureres . it is benefit plan like payment of a fix sum per day basis.

   Rest all are variations only.

   IBS

   Posted 2 years ago #
3. 

   pradeepgoel
   

   member
   Joined: Jan '11
   Posts: 12

   Reputation:12

    

   Hi,

   Devanand has explained well. Health insurance companies have been offering different policies based on medical coverage and benefits. Apart from family oriented plans and policies for individuals, Group or employee health insurance plans are also available in the health insurance market which has been designed especially for employee’s health needs in any organization. It involves employee’s family too in that cover.

   Posted 1 year ago #

Reply