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Now-a-days, people in India are really conscious about their health. This has largely contributed to the
mushrooming growth of health-clubs, spas, and Yoga retreats across the country. As healthy living is a
new dimension in everyones life, the insurance companies providing health-care are more innovative
with their solutions for providing protection for emergency health care. Honestly speaking, the
insurance companies give comprehensive plans for insurance coverage in health right from the moment
a person gets carried to an ambulance to the time he gets discharged from the hospital after complete
recovery. Health insurance or Mediclaim is in demand everywhere and Quickbima is now ready with
more than 200 individual and family health plans. The advantage with such health plans is those come
with great (unique selling points) USPs based on the true health needs of a person.
Broadly speaking, the health insurance plans for individuals and family are available in eight different
categories. Those could get differentiated in eight categories.
a. Life-long coverage- The health policies are available on the ground of lifelong coverage of
health problems..
b. Duration and waiting period- The health policies are also available on the basis of duration
and waiting period , while taking in to coverage the diseases that existed before the policy
came in to existence.
c. Different types of health insurance- Health insurance is also available on the basis of particular
details of a disease.
d. Critical coverage of diseases- Insurance policies also come in the category of extra coverage for
critical diseases.
e. Maternity coverage of diseases- Health policies also cover maternity expenses of females and
this policy is quite in demand from females.
f. Day care treatment policy- Policies for health insurance are also available for daycare
treatment.
g. Premiums payable- The healthcare policies are also available on the basis of different premium
plans.
h. Options for co-payments- Policies for health also come on the basis of joint memberships with
the facility of making co-payments.
Types of
Health
Product features
Benefits
Insurance
This comprehensive
health policy gives
cashless treatment
for hospitalization
Special
advantages for
coverage
various diseases.
and emergency
health care. Giving
the patient relief
from ambulance
expenses,
expenditure for
thorough medical
check-up, preexisting ailment
cover, this policy is
also instrumental in
proving tax relief.
Family Floater
Mediclaim
As expenses for
medical care go on
increasing, a person
is in dilemma while
choosing the
expenses of health
care for his or her
family. Family
floater health plan
gives
comprehensive
health care like
healthcare for old
parents, facility for
adding more
members,
maternity care, and
other cashless
treatment facilities
for children and
young people.
Some companies in
India have begun giving
two years membership
facility.
Senior Citizen
Plan
This is a valuable
health plan giving
comprehensive
coverage for critical
diseases like
coronary, cancer,
failure of renal
expenses of
dialysis, Chemo,
and posthospitalizations.
Critical illness
plan
Preventive
health care
plans
It is a health plan
for overall health
care and preventive
care expenses. It
includes free health
check-up, free
doctor check-up,
free second opinion
for critical illness,
concessions in
medical and other
tests, and related
benefits.
Corporate
Insurance health
plans
Corporate or group
insurance plans are much
in vogue now-a-days.
Such plans are only for
the employees of an
organization or members
of a professional group.
Available for
members in a
group, it covers the
member, his
spouse, and
children. Benefits
available under this
are cover for pre-
This is a group
insurance plan and
for this the
employee needs to
be a member of a
group or employee
of an organization.
existing diseases,
maternity care,
ambulance costs,
and
reimbursement
of doctors fees.
members.