Health insurance and types oh health insurance.

1. NIPAM
CHAIRMAN - PARAMDEEP SINGH
CEO - NITISHA BHARDWAJ
CFO - ANJALI
CMO - MEENAKSHI PARNAMI
CCO - MANIRAT

2. HEALTH INSURANCE

3. WHAT IS HEALTH INSURANCE ?
The term health insurance (popularly known as Medical Insurance
or Mediclaim) is a type of insurance that covers your medical
expenses.
A health insurance policy is a contract between an insurance
company and an individual.
Sometimes it is associated with covering disability and custodial
needs.
The contract is renewable annually.

4. BENEFITS OF HEALTH INSURANCE…
It helps securing a better future by paying a fraction as an expense today called the
premium.
It reduces saving huge amount of financial losses, risk of financial breakdown in case
of expensive medical and post-illness care.
It induces a sense of security to the insured.
It provides financial security to the family members.
It covers hospitalization and medical bills. It also covers disability and custodial bills.
You can avail tax benefits on the premium paid under section 80D of the Income Tax
Act.

5. TYPES OF HEALTH INSURANCE….
HEALTH INSURANCE
•Hospitalization cover and reimbursement of the medical expenses.
• Covers disease or surgery.
• Also called "Mediclaim" policies.
CRITICAL ILLNESS INSURANCE
•insures you against the risk of serious illnesses
• cancer , first heart attack , organ transplant , kidney failure
,paralysis, strokes etc are covered under it.

6. HEALTH PLANS ARE AVAILABLE IN 2 FORMATS….
INDIVIDUAL
• Individual is the owner of policy.
GROUP PLANS
• Sponsor is the owner of policy. Insured are
the members.

7. FAMILY FLOATER
PLAN….. for the entire family.
•Health cover
•A sum assured that is “common” for all the
family members.
•The sum assured under this family health
insurance is available for any or all members of
the family covered under the policy.

8. GROUP MEDICLAIM INSURANCE PLAN…
•Covers a group of individuals.
•Includes the category of Employer’s Health Insurance
Cover.
•Minimum a group of 500.

9. OTHER TYPES OF HEALTH INSURANCE
PLANS……
MEDICLAIM POLICY
•FAMILY FLOATER
•GROUP MEDICLAIM
HOSPITALIZATION CASH POLICY
CRITICAL CARE PLAN

10. MAJOR HEALTH INSURANCE PROVIDERS IN
INDIA..
 STAR ALLIED HEALTH INSURANCE
MAX BUPA HEALTH INSURANCE
BAJAJ ALIIANZ APOLLO
UNITED INDIA INSURANCE
ICICI LOMBARD
TATA AIG
ROYAL SUNDARAM
CHOLAMANDALAM DBS