Health Insurance Policies - Analysis & Management

By Abdulla Israr & Simran Rani

HEALTH INSURANCE POLICIES - ANALYSIS & MANAGEMENT

Description also available in video format (attached below), for better experience use your desktop.

 Introduction

Analyzing and managing different health insurance policies involves a comprehensive understanding of various aspects, including coverage, cost, provider networks, exclusions, and customer service. Here are some key steps and considerations for analyzing and managing health insurance policies:

  1. Understand Your Needs:
    • Assess your health needs and those of your family members.
    • Consider factors such as age, pre-existing conditions, anticipated medical expenses, and any specific healthcare requirements.
  2. Policy Coverage:
    • Review the coverage offered by each policy. Look for details on hospitalization, outpatient services, prescription drugs, preventive care, maternity coverage, mental health services, and any other specific needs.
  3. Network Providers:
    • Check the list of network providers associated with each policy. Ensure that your preferred doctors, hospitals, and specialists are included in the network to maximize coverage.
  4. Costs and Premiums:
    • Compare the premiums of different policies.
    • Consider other costs such as deductibles, co-payments, and co-insurance.
    • Evaluate the overall cost of the policy in relation to the coverage provided.
  5. Exclusions and Limitations:
    • Carefully read through the policy documents to identify any exclusions or limitations.
    • Understand the circumstances under which the insurance may not cover certain medical expenses.
  6. Policy Flexibility:
    • Assess the flexibility of the policy regarding choosing healthcare providers, specialists, and hospitals.
    • Check if the policy allows for modifications or additional coverage options.
  7. Claims Process:
    • Understand the claims process and the ease of filing claims.
    • Review the company's track record in processing claims and providing timely reimbursements.
  8. Customer Service:
    • Evaluate the quality of customer service provided by the insurance company.
    • Check reviews and ratings from existing policyholders to gauge customer satisfaction.
  9. Policy Renewal:
    • Understand the renewal terms and conditions.
    • Check for any changes in premiums, coverage, or terms upon renewal.
  10. Additional Benefits:
    • Some policies offer additional benefits such as wellness programs, telemedicine services, or discounts on health-related products and services. Consider these extras when making a decision.
  11. Compare Multiple Quotes:
    • Obtain quotes from different insurance providers to compare coverage and costs.
    • Utilize online tools and platforms that facilitate easy comparison of multiple health insurance policies.
  12. Seek Professional Advice:
    • Consult with insurance brokers or financial advisors to gain insights into the best policies based on your specific needs.
  13. Review and Update:
    • Regularly review your health insurance coverage, especially when there are changes in your health status or lifestyle.
    • Stay informed about any updates or changes in the insurance market that may affect your policy.

In India, various insurance companies offer a range of health insurance policies with different names and features. The specific names of health insurance policies may vary among insurance providers. However, I can provide you with examples of health insurance policies offered by some well-known insurance companies in India:

  1. Apollo Munich Health Insurance (Now HDFC ERGO Health Insurance):
    • Optima Restore
    • Easy Health Standard
    • Day2Day Care
  2. Max Bupa Health Insurance:
    • Health Companion
    • Heartbeat
    • GoActive
  3. ICICI Lombard General Insurance:
    • Complete Health Insurance
    • iHealth
  4. Star Health and Allied Insurance:
    • Family Health Optima
    • Senior Citizens Red Carpet
    • Diabetes Safe
  5. New India Assurance Company:
    • Mediclaim Policy
    • New India Floater Mediclaim
  6. Reliance General Insurance:
    • HealthGain
    • Wellness
    • Critical Illness Policy
  7. Bajaj Allianz General Insurance:
    • Health Guard
    • Health Ensure
    • Silver Health
  8. United India Insurance Company:
    • Family Medicare
    • Individual Mediclaim Policy
  9. National Insurance Company:
    • National Mediclaim Policy
    • Parivar Mediclaim Policy
  10. Oriental Insurance Company:
    • Happy Family Floater Policy
    • Individual Mediclaim Policy
  11. SBI Health Insurance:
    • Arogya Premier
    • Arogya Plus
  12. Future Generali India Insurance:
    • Future Health Suraksha
    • Future Hospicash

Video Description

·       Don’t forget to do these things if you get benefitted from this article

o   Visit our Let’s contribute page https://keedainformation.blogspot.com/p/lets-contribute.html

o   Follow our page

o   Like & comment on our post

·      


  

 

Keep sharing your knowledge

Comments

Post a Comment

Popular posts from this blog

Bio Medical Waste Management

By Abdulla Israr & Simran Rani
Image
BIO MEDICAL WASTE MANAGEMENT         Description also available in video format (attached below), for better experience use your desktop. Introduction ·        BMWM is the management of the waste that is generated during the diagnosis and treatment of a patient ·        Hospital Waste entirely divide into the below mentioned categories o    Non Hazardous (80%) o    Hazardous (20%) §   Infectious (15%) §   Other Hazardous (5%) ·        Non sharps ·        Sharps ·        BMW can easily affect out the entire community such as o    Patients o    Healthcare Workers o    Municipal Workers o    Rag pickers o    Workers in recycling industries   BMW Handling & Management Rules 1998 ·        RULE 1 (SHORT TITLE AND COMMENCEMENT) o    Bio-Medical Waste Management Rules, 1998 o    Came into force on the 20 th July 1998 ·        RULE 2 (APPLICATION) o    Rules apply to all persons who §   Generates, Collect, Receive, Store §   Transport, Treat,
Read more

CSSD

By Abdulla Israr & Simran Rani
Image
CSSD Description also available in video format (attached below), for better experience use your desktop. Introduction ·        CSSD Central Sterile Supply Department is a service that is responsible for the o    Processing o    Issuing o    & Control of sterile supply for the use in various departments of the hospital   Planning of a CSSD 1)    Location a.     Should be located near to the areas it mainly serve i.e.                                                     i.      Operation Theatre                                                   ii.      ICU                                                 iii.      CCU                                                 iv.      Surgical Wards                                                   v.      Emergency b.     Away from the main traffic of patient flow c.      Easy access to the boiler for steam 2)    Size a.     Size varies as per the size of the hospital                                  
Read more

Statistics

By Abdulla Israr & Simran Rani
Image
STATISTICS Description also available in video format (attached below), for better experience use your desktop. Definition ·        It is a branch of mathematics that deals with the §   Collection §   Organizing §   Analysis §   Interpretation §   & Presentation of the masses of numerical data. ·        A collection of quantitative data.   Characteristics ·        It should be expressed numerically just like the height of Abdullah is 6’1” makes the fact clear and easy to understand. ·        It is the collection of facts, and the facts can be related to a group or individual. ·        It is affected by a number of factors, causes and forces in a market which operates on the fact and figures in a group. ·        The main purpose of any scientific study is the first and most important step which helps to collect the data in a systematic manner. ·        Statistics are estimated according to reasonable standards of accuracy. ·        It should be plac
Read more