1. HEALTH INSURANCE
• Medical and surgical expenses
• Employer benefit packages
• Reimburse the insured
• Pay directly `

2. FINANCIAL WISDOM
SUBMITTED TO :
Mr. Bhavnit Singh
SUBMITTED BY :
NIPAM Group

3. TYPES OF HEALTH INSURANCE
PLANS
•Indemnity Plan
•Health Maintenance Organizations (HMO)
•Preferred Provider Organization (PPO)
•Point of Service (POS)
•Consumer-Driven Health Plans
•Catastrophe and Short-Term Policies

4. Indemnity Plan
•Fee for service
•Schedule for medical expenses
•Hospital stays
•Surgical expenses
•Major medical coverage

5. Health Maintenance
Organizations (HMO)
•Fixed periodic payment
•Common type
•Primary care physician(GATE KEEPER)

6. Preferred Provider Organization
(PPO)
• Contract
•Reduced fee
•Outside the network

7. Consumer-Driven Health Plans
•Any doctor ,any time
•Health saving account
•Low monthly premium
•Few year

8. Catastrophe and Short-Term Policies
•Pre-certification
•Freedom of choice
• Make sure
•Wide range of options
•Consolidated Omnibus Budget
Reconciliation Act of 1985 (COBRA)