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Health Insurance Plans
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Medical treatment and/or Surgical Procedures requiring less than 24 hours of hospitalization. Check how many day care procedures are covered under Health Insurance Plans.
Day Care Procedures Covered
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It is the cover for expenses incurred on the road ambulance service in case of emergency hospitalization. Check Maximum Ambulance charges covered in Health Insurance Plans.
Ambulance Charges
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Ratio of claim incurred to premium collected in financial year 2013-14. For example, If a company’s incurred claims ratio is 85%, it shows that, for every ₹ 100 earned in premium, ₹ 85 are spent on claim settlement indicating ₹ 15 profit for the company.
Incurred Claims Ratio (13-14)
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Duration of cover during which the expenses incurred prior to the hospitalization of the insured person are covered under Health Insurance Plans. Expenses covered during this period are specified in the policy.
Pre-Hospitalization
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Minimum value of bonus paid in case no claim is made during a policy year of Health Insurance Plans.
Minimum
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Ratio of claim incurred to premium collected in financial year 2014-15. For example, If a company’s incurred claims ratio is 85%, it shows that, for every ₹ 100 earned in premium, ₹ 85 are spent on claim settlement indicating ₹ 15 profit for the company.
Incurred Claims Ratio (14-15)

405
₹ 1500
67.21 %
Covered up to 30 Days
5 % of Basic Sum Insured
63.96 %

140
₹ 1000
108.95 %
Covered up to 30 Days
Not Available
102.22 %

130
Unlimited
86.60 %
Covered up to 60 Days
10 % of Basic Sum Insured
73.59 %

Not Available
₹ 500
97.78 %
Covered up to 30 Days
Not Available
107.49 %

Not Available
₹ 2500
115.23 %
Covered up to 30 Days
Not Available
98.78 %

What is Group Health Insurance?

While making a correct choice of insurance policy for your healthcare, it is important to know all the details about insurance provider and the type of plan it offers. This page provides a list of all the plans of this type and basic information What is Group Health Insurance?. Check all the covers and benefits of any two health insurance plans on health.indiainsured.com. So, what is Group Health Insurance? Group health insurance provides health cover to a specified group of people. This group exists on certain specified criteria such as a big family, employees of a company including their dependents, members of an organization, etc. It is a much more economical option when insurance needs to be provided for a large group of people as the risk is divided among those participating.

Types of Health Insurance Plans In India

There are several types of health insurance plans in India. These plans are classified depending upon the covers provided, minimum and maximum entry age and the situations under which the plan provides health cover. Some plans provide cover to the individuals, some cover family of the policy holder whereas, some plans are group plans which cover more than 20 to 50 persons under a single plan. Group plans are typically employer- employee and non-employer- employee plans. Individual health insurance or Mediclaim policy is the most common type of health insurance plans in India. It covers only the individual policy holder.

Depending on the coverage provided, there are various types of health insurance plans, such as Individual or group health insurance, Senior Citizen Plans, family floater plan, accidental insurance, Critical Illness Insurance, surgical insurance etc. Apart from this, some insurance firms also provide special plans for HIV positive and diabetic patients, for couples etc. Group health insurance is a great benefit offered commonly by an employer. The policies of all the employees are similar in nature but can be customized based on different aspects such as designation of employee, etc. Another benefit of this type insurance is that the benefits are tax free if the premium cost is borne by a single insurer. This type of policies provide double advantage for the employers as they can provide health cover to the employees as well as save tax on the premiums paid under the policy. Group plans are also available for groups other than employer-employee group, but on slightly different terms.

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