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Why It Is Important To Have Health Insurance in India
Health insurance, as the name suggests, is a generic term for insurance policies which provide financial coverage to an individual or a group against medical expenses due to an illness, injury or accident. These policies cover pre and post hospitalisation bills, inclusive of money spent on medical tests and purchase of medicines. The extent of cover provided by health insurance in India is determined by the insured, based on the affordability of the corresponding premium.
Health Insurance in India is divided into 3 categories:
· Health Insurance policies which are offered by GICs and Non Life companies. These usually entail compensation to the extent of a pre determined sum (based on premium) from the total medical bill. However, this is a basic plan and has a huge list of exclusions. Health Insurance policies also have two variants; The Family Floater plan which covers the entire family under one premium. They have higher coverage and are financially easy on the pocket. The second is Group Mediclaim which is essentially an employer’s option to cover employees and sometimes their families and dependants too.
· Hospitalisation Cash Policies are offered by Life and Non-Life companies. These ensure an assured cash benefit on a daily basis. However, these do not provide full insurance as the lump sum amount is not defined by the actual cost of medical treatment. These are recommended generally in combination with mediclaim plans.
· Critical life care Plans are offered by Life and GICs and cover an individual for specific grave illnesses like paralysis, cancer, among others.
Public sector health insurance in India leaves a lot to be desired while the private health insurance in India has a lot of options to choose from. In the age of increasing health care costs and stressful lifestyles, medical contingencies can be financially devastating. Hence, it is not tough to see why insuring you and your family for healthcare should be a part of your regular financial planning. Moreover, health insurance in India offers various types of coverage and benefits such as:
· Hospitalisation charges including consultation, ICU, operative and diagnostic fees. Most policies also provide pre and post hospitalization cover with time periods ranging between 30 days prior and 60 days after admittance.
· Logistic costs such as ambulance charges, room and boarding are a part of most policies.
· Extended treatments such as Chemotherapy and Dialysis are also covered within the ambit of day care.
· Nowadays health insurance in India also provides the option of cashless hospitalisation wherein the company settles the bill directly provided you use hospital networks they have established tie ups with.
· Health insurance plans also make you eligible for tax benefits of various types based on premium paid, under Section 80D of the Income Tax Act.*
It is easy to see why it is practical to be prepared for medical emergencies and their financial aftermath by purchasing health insurance in India and being relaxed about arranging for funds for the much needed treatment.
* Tax Benefits are subject to tax laws.
What is Health? A good question every one have there opinion, but from my point of view health is combination of physically, mentally and socially strong ness. It’s means a men that is Physically strong can not be called that he is healthy similarly all the three things must be present in a men that it is called a healthy men.
For physically strong ness there are things that have to be done are regular exercise, proper diet and nutrition and also proper rest for physical recovery. And a men is called Mentally strong when he is individual’s emotional and psychological well-being. And socially depends upon the well culture and behavior towards other comes in this.
We can guess about a man is mentally healthy depends upon how effectively and successfully a person functions. Now we take little thing about the Nutrition. Nutrition is science that helps to get the reason that affects to men for their health and performance, such as foods or food components that cause diseases or deteriorate health. Just like the food that the men eating have enough protein and another balance diet just like if we take a food that have too much calories, which have bed effects just like obesity, diabetes, and heart disease would increase other thing that also effects the health is Hygiene.
Hygiene keeps the body clean to prevent infection and illness. There are some rules regarding these just like bathing, brushing and flossing teeth, washing hands. Stress also play there roles in Health a mentally strong people have tolerance to stress. Lot of stress also effect health another factor to keep people healthy is natural health means self-care system of natural therapies concerned with building and restoring health at end a say Health science.
Health Care India: Health science is the science that is focused on health care, and science have many rules or we can call them sub disciplines. Combination of both is called as total health care. There are mainly two approaches to health science one is study and other is research of the human body.
Health Screening Cost Guide
The we Care India partner Health Screening Center in India is one of the largest physical check-up centers in the region providing world class service to over 50,000 people each year. The Center has specially trained Preventive Medicine physicians with the extensive diagnostic facilities of the Health Screening Centre. Patients can either select from an extensive list of health screening packages or a program can be custom designed in consultation with one of Health Screening physicians…..
Importance of Health Screening
In an age where heart disease and cancer are top killers here in Singapore, early detection can make a difference between a relatively simple course of treatment or life threatening complications requiring lengthy and expensive hospital stays.
Health screening plays an important role in detecting traces of illness in its early stages. It is not just for high risk individuals or top executives but suitable for everyone….
Health Screening Packages in India
We Care India has specially arranged with established medical centres to provide International travelers a range of affordable health screening packages suitable for any age, sex or medical condition.
We Care India Health Screening offer you many advantages : -
Convenience : – There are 6 medical centres located throughout India for your medical check-up appointments.
Affordability : – Packages range from basic to comprehensive to suit any budget.
Comprehensive : – Detailed tests are available for almost any medical condition. Optional additional tests are also available at discounted rates.
Flexibility : – These packages are available in the mornings, from Mondays to Saturdays (Few centres open on Sundays too). Appointments with special requests such as afternoon screenings or female doctors are easily arranged.
Please log on to : www.indiahospitaltour.com
Send your query : Get a Quote
We Care Core Values
We have a very simple business model that keeps you as the centre.
Having the industry’s most elaborate and exclusive Patient Care and Clinical Coordination teams stationed at each partner hospital, we provide you the smoothest and seamless care ever imagined. With a ratio of one Patient Care Manager to five patients our patient care standards are unmatched across the sub continent.
CT Scan India
A CT scan — also called computerized tomography or just CT — is an X-ray technique that produces images of your body that visualize internal structures in cross section rather than the overlapping images typically produced by conventional X-ray exams.
Conventional X-ray exams use a stationary X-ray machine to focus beams of radiation on a particular area of your body to produce two-dimensional images on film or a digital detector, much like a photograph. But CT scans use an X-ray unit that rotates around your body and a powerful computer. The result with CT scans is a set of cross-sectional images, like slices, of the inside of your body….
Doctors recommend a CT scan for a wide variety of reasons.
A conventional X-ray of your abdomen, for example, shows your bones as well as subtle overlapping outlines of your liver, stomach, intestines, kidney and spleen. A CT scan, however, clearly reveals these bones and organs as well as their inner structure and detailed anatomy of your pancreas, adrenal glands, kidneys and blood vessels….
Why is CT Scan Done ?
Your doctor may recommend a CT scan to help : -
Diagnose muscle and bone disorders, such as bone tumors and fractures. Pinpoint the location of a tumor, infection or blood clot. Guide procedures such as surgery, biopsy and radiation therapy. Detect and monitor diseases such as cancer or heart disease. Detect internal injuries and internal bleeding….
Preparing your small child for a scan
If your infant or toddler is having the CT scan, the doctor may give your child a sedative to keep him or her calm and still. Movement blurs the images and may lead to incorrect results. Ask your doctor how best to prepare your child….
What you can expect of CT Scan ?
During a CT scan, you lie on a table inside a doughnut-shaped machine called a gantry. An X-ray tube inside the machine rotates around your body and sends small doses of radiation through it at various angles. As X-rays pass through your body, different tissues absorb different amounts of radiation.
Detectors inside the gantry measure the radiation that passed through your body and converts it into electrical signals. A computer gathers these signals and assigns them a color ranging from black to white, depending on signal intensity. The computer then assembles the images and displays them on a computer monitor….
Please log on to : www.indiahospitaltour.com
Send your query : Get a Quote
We Care Core Values
We have a very simple business model that keeps you as the centre.
Having the industry’s most elaborate and exclusive Patient Care and Clinical Coordination teams stationed at each partner hospital, we provide you the smoothest and seamless care ever imagined. With a ratio of one Patient Care Manager to five patients our patient care standards are unmatched across the sub continent.
MRI India
Magnetic resonance imaging (MRI) uses non-ionizing radiofrequency waves and a strong magnetic field rather than x-rays to provide remarkably clear and detailed pictures of internal organs and tissues.
The strength of the magnet is very important, and high-field scanners (1.5 Tesla magnets) are generally regarded as the best magnet strength.
The machine delivers the kind of high performance technology needed for the most demanding MRI exam . Gives for the first time ever, true whole-body imaging with no patient repositioning and no coil changes.
A New Level of Clarity : -Superb image quality and new level of detail not possible with older or slower MRI equipment….
32ChannelWholeBodyMRI : -
We Care is proud to partner a centre with India’s first Whole Body MRI machine.
Now, in just 45 minutes, you can get a complete screening of your body to see if all your organs are healthy.
In the Whole Body MRI test, we can identify any lesions, including cancerous lesions, in the : -
Brain Neck Chest (including lungs) Whole spine Liver Gall bladder Pancreas Kidneys Spleen Uterus and ovaries (in females) All the limbs.
Please log on to : www.indiahospitaltour.com
Send your query : Get a Quote
We Care Core Values
We have a very simple business model that keeps you as the centre.
Having the industry’s most elaborate and exclusive Patient Care and Clinical Coordination teams stationed at each partner hospital, we provide you the smoothest and seamless care ever imagined. With a ratio of one Patient Care Manager to five patients our patient care standards are unmatched across the sub continent.
Day Spa In India
Amatrra Spa, New delhi
Amatrra is a unique facility that amalgamates the time tested ancient Indian science of Ayurveda and Astrology with global twenty-first century technology and equipment to create, harmonies and balance individual energy in a Spa experience. The word Amatrra is defined in its Vedic context as the silence that occurs during meditation, between recurrent chants of Om. In the context of the Spa , Amatrra stands for the opportunity to physically unlock and balance positive and negative, internal and external energies naturally in a step towards self-realisation in harmony with the cosmos.
The overriding tenet that governs all aspects of the Spa is Astroscience. Amatrra is the first Spa to have recognized, researched and utilized the ancient knowledge source of Astroscience to customize every single detail within the Spa, from its ambience to the therapies, health food menu to product line in beauty and health care.
Amatrra’s completely automated and personalized gymnasium facility, spread over 2,500 square feet, that features equipments and technologies from the European giant Technology.
Within Amatrra there are separate sections for men and women and ten common individual temperature controlled therapy suites with shower and dressing areas, steam rooms, sauna rooms, ice-flake dispensers and whirlpools and a meditation room, which is also customized according to one’s. There is also an independent yoga and aerobic room. Apart from this, two features that merit a special mention are the Vichy Shower and the Floatarium….
Please log on to : www.indiahospitaltour.com
Send your query : Get a Quote
We Care Core Values
We have a very simple business model that keeps you as the centre.
Having the industry’s most elaborate and exclusive Patient Care and Clinical Coordination teams stationed at each partner hospital, we provide you the smoothest and seamless care ever imagined. With a ratio of one Patient Care Manager to five patients our patient care standards are unmatched across the sub continent.
Medical Condition Specific Health Screening Plans India
The we Care India partner Health Screening Center in India is one of the largest physical check-up centers in the region providing world class service to over 50,000 people each year. The Center has specially trained Preventive Medicine physicians with the extensive diagnostic facilities of the Health Screening Centre. Patients can either select from an extensive list of health screening packages or a program can be custom designed in consultation with one of Health Screening physicians.
Complete Cardiac Evaluation Eye Screening Dental Screening Gynecological Screening Diet and Nutrition
Complete Cardiac Evaluation
Haematology profile with ESR Fasting Blood Sugar Post Prandial Blood Sugar Blood Group & Rh typing Stool Examination Urine Analysis Lipid Profile Kidney Profile Liver Function Test Chest X-ray Ultrasound Scan – Abdomen Coronary Angiography (If advised ) /or 3D ECHO ECG Consultations with Cardiologist and Physician
Eye Screening
Medical Condition specific eye check up Annual Eye Screening
The eye is an extremely important organ & neglecting eye conditions ran lead to blindness resulting in complete darkness in one’s life. Annual eye checkups not only help in detecting early age-related changes like cataract, but also help evaluate:
Acuity of vision Colour vision Occular Pressure Fundoscopic examination (undilated)
Dental Screening
Dental and oral problems have been increasing at an alarming rate due to modern diet, lack of oral hygiene, stress, and increasing prevalence of diabetes.
A Dental screening evaluates oral hygiene, tooth decay and cavities, gum diseases and precancerous mouth ulcers. It also provides advice on dental care & smile enhancement….
Gynecological Screening
A Gynaecological examination not only rules out any early vaginal or cervical infections, but also detects any early uterine fibroids or ovarian pathology & provides advice on:
Contraception Menopausal symptoms Menstrual disorders & Self breast evaluation
Diet and Nutrition
A diet consultation can help bring awareness of healthy eating habits & a good lifestyle.
A diet consultation not only gives advice on the correct diet and nutrition for the ideal body weight, but also provides advice on an adequate exercise programme. Exercise along with a healthy diet provides overall wellness….
Please log on to : www.indiahospitaltour.com
Send your query : Get a Quote
We Care Core Values
We have a very simple business model that keeps you as the centre.
Having the industry’s most elaborate and exclusive Patient Care and Clinical Coordination teams stationed at each partner hospital, we provide you the smoothest and seamless care ever imagined. With a ratio of one Patient Care Manager to five patients our patient care standards are unmatched across the sub continent.
Diet And Nutrition In India
Nutrition plays an important part in the lives of humans. Diet and Nutrition if followed as per its science can reduce your stress, illness; make your life more fuller and happier.
We Care Health Services has a few eminent Nutritionists of India on board its panel. If you are planning to visit India for health purpose or any reason we highly recommend you to undertake Basic Counseling in Diet and Nutrition. This is a one hour session personally with a senior dietician.
The we Care India partner Health Screening Center in India is one of the largest physical check-up centers in the region providing world class service to over 50,000 people each year. The Center has specially trained Preventive Medicine physicians with the extensive diagnostic facilities of the Health Screening Centre. Patients can either select from an extensive list of health screening packages or a program can be custom designed in consultation with one of Health Screening physicians.
Complete Cardiac Evaluation Eye Screening Dental Screening Gynecological Screening Diet and Nutrition
Complete Cardiac Evaluation
Haematology profile with ESR Fasting Blood Sugar Post Prandial Blood Sugar Blood Group & Rh typing Stool Examination Urine Analysis Lipid Profile Kidney Profile Liver Function Test Chest X-ray Ultrasound Scan – Abdomen Coronary Angiography (If advised ) /or 3D ECHO ECG Consultations with Cardiologist and Physician
Eye Screening
Medical Condition specific eye check up Annual Eye Screening
The eye is an extremely important organ & neglecting eye conditions ran lead to blindness resulting in complete darkness in one’s life. Annual eye checkups not only help in detecting early age-related changes like cataract, but also help evaluate:
Acuity of vision Colour vision Occular Pressure Fundoscopic examination (undilated)
Dental Screening
Dental and oral problems have been increasing at an alarming rate due to modern diet, lack of oral hygiene, stress, and increasing prevalence of diabetes.
A Dental screening evaluates oral hygiene, tooth decay and cavities, gum diseases and precancerous mouth ulcers. It also provides advice on dental care & smile enhancement….
Gynecological Screening
A Gynaecological examination not only rules out any early vaginal or cervical infections, but also detects any early uterine fibroids or ovarian pathology & provides advice on:
Contraception Menopausal symptoms Menstrual disorders & Self breast evaluation
Diet and Nutrition
A diet consultation can help bring awareness of healthy eating habits & a good lifestyle.
A diet consultation not only gives advice on the correct diet and nutrition for the ideal body weight, but also provides advice on an adequate exercise programme. Exercise along with a healthy diet provides overall wellness….
Please log on to : www.indiahospitaltour.com
Send your query : Get a Quote
We Care Core Values
We have a very simple business model that keeps you as the centre.
Having the industry’s most elaborate and exclusive Patient Care and Clinical Coordination teams stationed at each partner hospital, we provide you the smoothest and seamless care ever imagined. With a ratio of one Patient Care Manager to five patients our patient care standards are unmatched across the sub continent.
Soul Connect India
If you are staying in India for a week or more, We recommend you to take a primary session of the Art of Living course. The course is taught by the educators of A world recognized foundation, The Art of Living Foundation, and focuses on breathing techniques and spirituality. These courses are available across in India in all cities.
The we Care India partner Health Screening Center in India is one of the largest physical check-up centers in the region providing world class service to over 50,000 people each year. The Center has specially trained Preventive Medicine physicians with the extensive diagnostic facilities of the Health Screening Centre. Patients can either select from an extensive list of health screening packages or a program can be custom designed in consultation with one of Health Screening physicians.
Dental and oral problems have been increasing at an alarming rate due to modern diet, lack of oral hygiene, stress, and increasing prevalence of diabetes. A Dental screening evaluates oral hygiene, tooth decay and cavities, gum diseases and precancerous mouth ulcers. It also provides advice on dental care smile enhancement.
The eye is an extremely important organ neglecting eye conditions ran lead to blindness resulting in complete darkness in one’s life. Annual eye checkups not only help in detecting early age-related changes like cataract.
A Gynaecological examination not only rules out any early vaginal or cervical infections, but also detects any early uterine fibroids or ovarian pathology.
A diet consultation can help bring awareness of healthy eating habits & a good lifestyle. A diet consultation not only gives advice on the correct diet and nutrition for the ideal body weight, but also provides advice on an adequate exercise programme. Exercise along with a healthy diet provides overall wellness.
Health Screening Plans
International and NRI Health Screening Diamond Health Screening Platinum Health Screening Gold Health Screening Stopover Health Screening Package Customised Package Health Screening Plans Pre Marital Health Screening Primary Health Screening Executive Health Screening Premier Health Screening Senior Citizen Health Screening
Please log on to : www.indiahospitaltour.com
Send your query : Get a Quote
We Care Core Values
We have a very simple business model that keeps you as the centre.
Having the industry’s most elaborate and exclusive Patient Care and Clinical Coordination teams stationed at each partner hospital, we provide you the smoothest and seamless care ever imagined. With a ratio of one Patient Care Manager to five patients our patient care standards are unmatched across the sub continent.
Introduction of health insurance in india
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In mid 80âs most of the hospitals in India were government owned and treatment was free of cost. With the advent of Private Medical Care the need for Health Insurance was felt and various Insurance Companies (New India Assurance, National Insurance Company, Oriental Insurance & United Insurance Company) introduced Mediclaim Insurance as a product.
According to recent news report Health insurance continues to be the fastest growing segment with annual growth rate of 55%. Health Premium has risen to Rs. 3300 crores in 2006-2007. As per the recent reports from various agencies the Health sector has the potential to become a Rs. 25000-crore industry by 2010.
On August 15, 2007 Prime Minister has announced Rs 2000 Crores for Health Insurance for poor citizens. We foresee that this amount will be partly in form of subsidy therefore during calendar year 2008 we can expect Health Insurance premium to touch figure in the range of Rs 10,000 Crores.
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In 2001 with entry of various private Insurance companies now the customers have choice of buying this insurance from 14 Insurance companies.
The Companies, which offer Health or Mediclaim Insurance, are;
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Apollo DKV Insurance Company Limited.
Bajaj Allianz General Insurance Company Limited
Cholamandalam MS General Insurance Company Limited
Future Generali India Insurance Company Limited
HDFC General Insurance Company Ltd.
ICICI Lombard General Insurance Limited.
IFFCO Tokio General Insurance Company Limited
National Insurance Company Limited
New India Assurance Company Limited
Oriental Insurance Company Limited
Reliance General Insurance Company Limited
Royal Sundram Alliance Insurance Company Limited
Star health and Allied Insurance Company Limited
TATA AIG General Insurance Company Limited. (Overseas Health Insurance only)
United India Insurance Company Limited
Universal Sompo General Insurance Company Limited
India is the only country where hospitalization insurance policy  was being sold as Mediclaim Insurance Policies. The very name gives a feeling to the insured that claim has to be lodged. If motor insurance policy is not sold as motor insurance claim policy and household insurance policy is not sold as household claim policy then why this be named as Mediclaim?
Health Insurance and Mediclaim are two different names for the same product. The change has started coming and now we have started calling it Health Insurance. ICICI Lombard has even named it as Health Insurance Policy.
Calling is as Health Insurance is a positive way of looking at this Insurance. It also giving us a feeling that we as a society have started moving from curative medical care to preventive medical care.
Suresh K Sethi is Chief Executive Officer of RIA Insurance Brokers Pvt. Ltd.; anIRDA approved insurance brokerage firm, headquartered in New Delhi with branches at various locations in India. He is of the firm opinion that Health (Mediclaim) Insurance is the important segment of Indian insurance industry. It is expected grow at the rate of 200 to 225% per annum in the years to come. It will emerge as one of the important segment of non life insurance Industry. This book is written for all those who are not having insurance background but wish to buy Health Insurance cover for themselves or for their family or for the organization for whom they work.Suresh is also Vice President Director of Insurance Brokers Association of India,the only association of all IRDA licensed insurance brokerage firms operating in India. As a member of Insurance Committee of FICCI as well as PHD Chamber of Commerce & Industry he has made value addition towards use of technology in Insurance.
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