FICCI demands Health insurance cover for at least 80% Indians

Search for a better health cover is still in process ignited by the escalating medical bills, large population deprived of medical services and other needs of the nation. The Health Insurance Vision 2020 released on Friday highlighted the aim for country of getting 80% of Indians health insured by 2020, as stated by FICCI.

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      Chief Executive Office of Apollo Munich Health Insurance, Antony Jacob said that a big problem is heading our way after analyzing the need and supply of health insurance. His estimation stated that the proportion of health insurance industry’s growth and medical costs by 2020 would have a huge difference where people might need to pay$200 billion in medical costs from their end.

      According to T.S. Vijayan, Chairman of IRDA (Insurance Regulatory and Development Authority), the increasing numbers of claim rejections are a result of gap between the need of people and products offered by health insurers. The vague presentation of benefits and features leave the claim unsettled leading to the unpopularity of industry. He focused on the need for resolving this issue arising due to the disparity on the price, distribution and service of product. The comprehensive and standardized approach can help insurance companies solve problems occurring between insurers and customers.

      The report explains that more than 60 % of the health expenses are covered by private spendings in this country whereas only 30% people are under health insurance cover.

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      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

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