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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)

541
₹ 1500
79.92 %
Covered up to 30 Days
10 % of Basic Sum Insured
61.13 %

400
₹ 5000
67.21 %
Covered up to 30 Days
50 % of Basic Sum Insured
63.96 %

171
Not Available
59.68 %
Covered up to 60 Days
25 % of Basic Sum Insured
64.33 %

171
Not Available
59.68 %
Covered up to 60 Days
5 % of Basic Sum Insured
64.33 %

171
₹ 2000
59.68 %
Covered up to 60 Days
5 % of Basic Sum Insured
64.33 %

171
₹ 2000
59.68 %
Covered up to 60 Days
25 % of Basic Sum Insured
64.33 %

171
₹ 3000
59.68 %
Covered up to 60 Days
Not Available
64.33 %

170
₹ 1000
79.92 %
Covered up to 30 Days
Not Available
61.13 %

170
₹ 1000
79.92 %
Covered up to 30 Days
Not Available
61.13 %

170
₹ 1000
79.92 %
Covered up to 30 Days
Not Available
61.13 %
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What is Individual 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 Individual Health Insurance?. Check all the covers and benefits of any two health insurance plans on health.indiainsured.com. So, what is Individual Health Insurance? It is a cover bought on an individual basis that is independent of any employer or organization. It provides health coverage to the policy holder only. Various facilities such as no claim bonus, pre-hospitalization and post-hospitalization cover are available on this type of plans. Some other optional covers are also available on individual health insurance plans. Generally this type of plan has higher premium and lower coverage compared to the group insurance plans.

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. Individual health plans are generally bought by an individual or a family. This type of plan is preferred over family floater health insurance when the risk of requiring health cover, by a family members, is high. This will make sure that no family member remains uncovered till the end of policy term. Individual health insurance plans also provide cover for the pre-existing diseases after a certain period of buying the policy.

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