Health insurance is a type of insurance coverage that

covers the cost of insured medical and surgical expenses

 Preventive health care:
It includes regular check-ups in order to
prevent a disease, cancer or illness.

 Personal accident cover:

These plan provide compensation in case of
death, disablement, injury, impairment.
 Employee health insurance schemes:
 Many companies offer health insurance to
their employees.
 These schemes will include and exclude to
the employees as they join and leave the
organisation.
 premiums are relatively low.
 Family floater health insurance policies:

 It is designed for multiple members of a

family, instead of taking separate policy.

 maximum 15people(up to 2minor child)

 premiums are higher

 Cash less claims:
The insurer will settles all the hospitalization
bills with the hospital directly.
 Process:
 Contact the insurance help desk at the
hospital
 Show the ID card of the insured
 The hospital will verify the identity of the
insured and will submit the pre-authorisation
form to the health insurance provider of the
insured.
 The insurance provider will review all the
submitted documents and process the claim
according to the terms and conditions of the
health insurance policy.
 Some of the health insurance providers also
assign a field doctor to make the
hospitalization process easier for the insured.
 After the completion of all formalities, the
claim is settled as per the terms and
conditions of the policy.