Health Insurance
Module Units
- 1. Introduction
- 2. Important Points About Health Insurance
- 3. Health Risks
- 4. Importance Of Health Insurance
- 5. Why Do You Need Health Insurance?
- 6. Health Insurers
- 7. Different Types Of Health Insurance Policies In India
- 8. Mediclaim Policy (Group / Family Floater And Individual)
- 9. Third-Party Administrator
- 10. Benefits Of TPA To Policyholders
- 11. Benefits Of TPA To The Insurance Companies
- 12. Buying And Maintaining Health Insurance
- 13. Online Policy Renewal
- 14. Important Considerations Regarding Health Insurance Portability
- 15. Benefits Of Health Insurance Portability
- 16. Individual Health Insurance
- 17. Family Floater Insurance
- 18. Example Of Individual Health Insurance Vs Family Floater Health Cover
- 19. Critical Illness Insurance
- 20. Important Considerations While Buying Critical Illness Insurance
- 21. Maternity Insurance
- 22. Senior Citizen Insurance
- 23. Important Aspects Of Health Insurance
- 24. What factors Impact Health Insurance Premium?
- 25. Cashless Hospitalisation
- 26. Day Care Treatment
- 27. Pre & Post Hospitalisation
- 28. Grace Period
- 29. Claim Settlement
- 30. Free Look Period
- 31. Waiting Period
- 32. Tax Benefits Of Health Insurance
- 33. Conclusion
Importance Of Health Insurance
The penetration of the health insurance concept is relatively low in India, which explains why many people are bereft of timely medical aid. The rising cost of treatment in the country has led to inequitable access to health care services. According to details published in the National Health Profile 2018 unveiled in June 2018, only 27 percent of the country’s total population has health coverage. This means that there is still an ardent need to improve and expand the insurance coverage that covers only a percentage of the country’s vast population. Out of the total number of Indians who have bought health insurance to date, roughly 79 percent were covered by the public insurance companies whereas the rest had accessed the necessary cover from private insurance companies.
While the National Health Programmes have played a prominent role in tackling the grievous health disorders in India, the share of public expenditure on health by the Centre is gradually decreasing. Many people in their younger years do not realize the need for having an adequate medical cover to tackle the burden of sudden medical emergencies. Since the young are less likely to fall ill or be diagnosed with any serious disorder, they fail to realize how paying a nominal premium for health insurance will ensure them the freedom to seek the best possible treatment in the long run. Moreover, the insured can get themselves treated at their choice of hospital, provided that it is listed in the network of hospitals of the insurance company they have chosen to be associated with.
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