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www.starhealth.in
Star Health & Allied Insurance Company Limited.
Star Health and Allied health Insurance Company Limited (Star Health) is a joint venture between Oman health Insurance Company, ETA Ascon Group and a number of insurance veterans in the country. It is also the first dedicated health insurance company in India. Known for its innovation, Star has some very unique products like Diabetes Safe which is for diabetic patients and Star Netplus which is designed for HIV+ patients. Star Health insurance has an in-house TPA which increases its efficiency in dealing with cashless cases. They also have a unique feature where in customers calling a toll free number can get free consultations with a general physician.
Popular Products: Star Family Health Optima, Senior Citizen Red Carpet.
www.starhealth.in
www.starhealth.in/Health_Insurance
Star Health and Allied health Insurance Company Limited (Star Health) is a joint venture between Oman health Insurance Company, ETA Ascon Group and a number of insurance veterans in the country. It is also the first dedicated health insurance company in India. Known for its innovation, Star has some very unique products like Diabetes Safe which is for diabetic patients and Star Netplus which is designed for HIV+ patients. Star Health insurance has an in-house TPA which increases its efficiency in dealing with cashless cases. They also have a unique feature where in customers calling a toll free number can get free consultations with a general physician.
Popular Products: Star Family Health Optima, Senior Citizen Red Carpet.
www.starhealth.in
www.starhealth.in/Health_Insurance
www.maxbupa.in
Max Bupa Health insurance
Max Bupa Health Insurance is a joint venture between Max India Limited and Bupa Group, one of the international healthcare providers. Formed in 2010, Max Bupa has brought changes in the health insurance market in India with innovative and customer friendly products. They have a policy of not loading the customer or handling out ‘no claim bonuses’ and have a region wise premium. They have no fixed enrollment age which means people of any age group can buy their policies. These policies also have guaranteed renewal which means you won’t be denied renewal in your 70s and 80s when you need it most. Their ‘Heartbeat’ product covers maternity also, albeit after a waiting period.
Popular products: Heart Beat Gold, Silver and Platinum
www.maxbupa.in
www.maxbupa.com
Max Bupa Health Insurance is a joint venture between Max India Limited and Bupa Group, one of the international healthcare providers. Formed in 2010, Max Bupa has brought changes in the health insurance market in India with innovative and customer friendly products. They have a policy of not loading the customer or handling out ‘no claim bonuses’ and have a region wise premium. They have no fixed enrollment age which means people of any age group can buy their policies. These policies also have guaranteed renewal which means you won’t be denied renewal in your 70s and 80s when you need it most. Their ‘Heartbeat’ product covers maternity also, albeit after a waiting period.
Popular products: Heart Beat Gold, Silver and Platinum
www.maxbupa.in
www.maxbupa.com
www.apollomunichinsurance.com
Apollo Munich Insurance
Apollo Munich Health Insurance Co. Ltd. is the new name for Apollo DKV Insurance Co. Ltd. which is a partnership between The Apollo Hospitals Group, and Germany based Munich Re’s newest business segment, Munich Health. They also bring a change in terms of customer friendly features like lifetime renewal and portability benefits for existing policies which means you can buy Apollo’s policy and get the continuation benefits of your existing policy. Apollo Munich also covers maternity after a waiting period.
Popular Products: Easy Health Gold, Standard, Exclusive and Premium
www.apollomunichinsurance.com
Apollo Munich Health Insurance Co. Ltd. is the new name for Apollo DKV Insurance Co. Ltd. which is a partnership between The Apollo Hospitals Group, and Germany based Munich Re’s newest business segment, Munich Health. They also bring a change in terms of customer friendly features like lifetime renewal and portability benefits for existing policies which means you can buy Apollo’s policy and get the continuation benefits of your existing policy. Apollo Munich also covers maternity after a waiting period.
Popular Products: Easy Health Gold, Standard, Exclusive and Premium
www.apollomunichinsurance.com
www.reliancegeneral.co.in
Reliance Health insurance
Reliance health insurance is one of the private general insurance companies in India. They also have a few good health insurance products, in their ‘Health wise’ policy range; critical illnesses are covered as a part of the policy. There is also a choice of reducing waiting period for pre-existing illnesses to 2 years from the industry standard of 4 years. It covers those between the ages of 5-75.
Popular Policy: Health wise Family Floater
www.reliancegeneral.co.in
www.reliancegeneral.co.in/Health
Reliance health insurance is one of the private general insurance companies in India. They also have a few good health insurance products, in their ‘Health wise’ policy range; critical illnesses are covered as a part of the policy. There is also a choice of reducing waiting period for pre-existing illnesses to 2 years from the industry standard of 4 years. It covers those between the ages of 5-75.
Popular Policy: Health wise Family Floater
www.reliancegeneral.co.in
www.reliancegeneral.co.in/Health
www.icicilombard.com
ICICI Lombard
ICICI Lombard GIC Ltd. is the largest private sector general insurance company in India. It has some good health insurance plans - like Health Advantage which covers not only hospitalization expenses but also outpatient expenses like dental, upto a limit. Maternity cover is also available under this product. The company has also added Health insurance Guide, an interactive tool to help the customer select a plan to suit his requirements.
Popular Product: Health Advantage
www.icicilombard.com
www.icicilombard.com/HealthInsurance
ICICI Lombard GIC Ltd. is the largest private sector general insurance company in India. It has some good health insurance plans - like Health Advantage which covers not only hospitalization expenses but also outpatient expenses like dental, upto a limit. Maternity cover is also available under this product. The company has also added Health insurance Guide, an interactive tool to help the customer select a plan to suit his requirements.
Popular Product: Health Advantage
www.icicilombard.com
www.icicilombard.com/HealthInsurance
www.bajajallianz-healthinsurance.com
Bajaj Allianz General Insurance
Bajaj Allianz General Insurance Company Limited is a joint venture between Bajaj Finserv Limited and Allianz SE. Health insurance policies offered by them include Health Guard (Mediclaim), Silver health (Senior Citizen) and Star package (Family Floater), there are also other plans like Hospital Cash which gives an amount on every day of hospitalization and Critical Illness which gives a lump sum in the event that the insured contracts one of the critical illnesses listed like cancer during the policy period. Bajaj was the first company to come up with a captive TPA with ensuing efficiencies.
Popular Product: Health Guard
www.bajajallianz-healthinsurance.com
www.bajajallianz.com
Bajaj Allianz General Insurance Company Limited is a joint venture between Bajaj Finserv Limited and Allianz SE. Health insurance policies offered by them include Health Guard (Mediclaim), Silver health (Senior Citizen) and Star package (Family Floater), there are also other plans like Hospital Cash which gives an amount on every day of hospitalization and Critical Illness which gives a lump sum in the event that the insured contracts one of the critical illnesses listed like cancer during the policy period. Bajaj was the first company to come up with a captive TPA with ensuing efficiencies.
Popular Product: Health Guard
www.bajajallianz-healthinsurance.com
www.bajajallianz.com
www.royalsundaram.in
Royal Sundaram
Royal Sundaram Alliance Insurance Company Limited takes pride to be the first private sector general insurance company in India to be licensed since 2001, Since then we have been at the forefront of providing innovative general insurance solutions to individuals, families and businesses. We offer Motor, Health, Personal Accident, Home and Travel Insurance to individual customers. We also have a wide specialised insurance offerings in Fire, Marine, Engineering, Liability and Business Interruption risks to the commercial customers. Royal Sundaram also offers specially designed products to the Small and Medium enterprises and Rural customers.
Royal Sundaram's foundations are built on high value system of trust, commitment and professionalism. We come with golden heritage and reliability of our promoters - Sundaram Finance, one of the most respected non-banking financial institution in India, and RSA, one of the oldest and the second largest general insurer in the UK. The coming together of these two financial giants allows us to offer the best global practices, innovation of products and services and unmatched, personalized customer services.
Today, Royal Sundaram is a name to reckon within the insurance market with the commitment it upholds for superior customer service delivery. The testimony of this is, our Accident & Health claims process received ISO 9001-2008 certification for effective customer service delivery. Some of the other achievements to our credits are:
Popular Product: Family Good Health, Hospital Cash
www.royalsundaram.in
Royal Sundaram Alliance Insurance Company Limited takes pride to be the first private sector general insurance company in India to be licensed since 2001, Since then we have been at the forefront of providing innovative general insurance solutions to individuals, families and businesses. We offer Motor, Health, Personal Accident, Home and Travel Insurance to individual customers. We also have a wide specialised insurance offerings in Fire, Marine, Engineering, Liability and Business Interruption risks to the commercial customers. Royal Sundaram also offers specially designed products to the Small and Medium enterprises and Rural customers.
Royal Sundaram's foundations are built on high value system of trust, commitment and professionalism. We come with golden heritage and reliability of our promoters - Sundaram Finance, one of the most respected non-banking financial institution in India, and RSA, one of the oldest and the second largest general insurer in the UK. The coming together of these two financial giants allows us to offer the best global practices, innovation of products and services and unmatched, personalized customer services.
Today, Royal Sundaram is a name to reckon within the insurance market with the commitment it upholds for superior customer service delivery. The testimony of this is, our Accident & Health claims process received ISO 9001-2008 certification for effective customer service delivery. Some of the other achievements to our credits are:
- The First Insurer to introduce Cashless Mode of Settlement for Health Claims
- The First private insurer to introduce innovative Health products like Hospital Cash
- The First private Insurer to tie up with banks (affinity partners) for selling retail products into their customers network
- The First Insurer to partner with the top banks in the country and also have a co-branded credit card
- Preferred Insurer of leading automobile manufacturing companies
Popular Product: Family Good Health, Hospital Cash
www.royalsundaram.in
www.hdfcergo.com
HDFC ERGO
About HDFC ERGO :
HDFC ERGO General Insurance Company Limited is a 74:26 joint venture between HDFC Limited, India’s premier Housing Finance Institution & ERGO International AG, the primary insurance entity of Munich Re Group.
HDFC ERGO focuses on providing the “Right Insurance Solution” for all. We offer our customers complete range of general insurance products ranging from Motor, Health, Travel, Home and Personal Accident in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space.
It is our constant endeavor to improvise and cater to every need of the modern day customer with superior customer support service. This helps us give our customers a seamless and hassle-free experience.
HDFC ERGO has been expanding its presence across the country and is today present across 71 cities with 78 branch offices with an employee base of over 950 professionals. The company has a right balance of distribution channel comprising of Dealerships, Brokers, Retail and Corporate Agents, Bancassurance and Direct Sales Team.
Popular Product: Health Suraksha, Critical Illness
WWW.HDFCERGO.COM
About HDFC ERGO :
HDFC ERGO General Insurance Company Limited is a 74:26 joint venture between HDFC Limited, India’s premier Housing Finance Institution & ERGO International AG, the primary insurance entity of Munich Re Group.
HDFC ERGO focuses on providing the “Right Insurance Solution” for all. We offer our customers complete range of general insurance products ranging from Motor, Health, Travel, Home and Personal Accident in the retail space and customized products like Property, Marine and Liability Insurance in the corporate space.
It is our constant endeavor to improvise and cater to every need of the modern day customer with superior customer support service. This helps us give our customers a seamless and hassle-free experience.
HDFC ERGO has been expanding its presence across the country and is today present across 71 cities with 78 branch offices with an employee base of over 950 professionals. The company has a right balance of distribution channel comprising of Dealerships, Brokers, Retail and Corporate Agents, Bancassurance and Direct Sales Team.
Popular Product: Health Suraksha, Critical Illness
WWW.HDFCERGO.COM
Health Insurance from Public Sector General Insurance Companies :
www.orientalinsurance.org.in
- Oriental insurance
Popular policy: Happy Family Floater
www.orientalinsurance.org.in
www.uiic.co.in
- United India Insurance
Popular Policy: Family Medicare
www.uiic.co.in
www.newindia.co.in
- New India Assurance
Universal health insurance policy. The unique feature of their Mediclaim policy is the differential rating for major metros vis-à-vis other locations.
Popular Products: Mediclaim policy
www.newindia.co.in
www.nationalinsuranceindia.com
- New India Assurance
Universal health insurance policy. The unique feature of their Mediclaim policy is the differential rating for major metros vis-à-vis other locations.
Popular Products: Mediclaim policy
www.nationalinsuranceindia.com
Health is Wealth
Any society and organization can benefit only when its constituent people remain healthy and fit. The health of the organization is the composite health of its workers and employees. Similarly, a society remains healthy only if members of that society remain healthy too.
Of late, health has become a worrying factor in India. Incidences like obesity, heart diseases, diabetes and hypertension are now common. Earlier, India faced a threat from communicable diseases like cholera, jaundice, and typhoid. However, rapid urbanization and changing lifestyle in many parts of India has increased the likely hood of non-communicable diseases like ischemic heart disease, stroke and cancer amongst the urban population.
The main reasons for this shift are attributable to a number of factors. These include rapid urbanization due to unplanned industrialization, growing popularity of junk food, sedentary lifestyle, and consumption of foods rich in fats but low in protein, and others.
India is already the diabetes capital of the world with more than 40 million patients in the country. According to the International Diabetes Federation, the number of diabetic patients in India increased from around 19 million in 1995 to around 40.9 million in 2007. This figure is projected to increase to around 69.9 million by 2025. At present, approximately 11 percent of India’s urban population and about 3 percent of rural population who are more than 15 years old suffer from this disease.
Another worrying aspect is the quality of health of the Indian workforce. A recent study conducted by the World Health Organization has discovered that around 47% of the work force in urbanized industrial situations is overweight. Around 27 percent of those surveyed suffer from hypertension and around 10 percent are diabetic. The study discovered that workers are at a greater risk of developing chronic diseases such as obesity, heart attack, stroke, and cancer.
Obesity is also a major stepping-stone to such diseases. The risk of obesity is currently very high in India. According to Dr Umesh Kapil, professor of human nutrition at the All India Institute of Medical Sciences, New Delhi, the risk of obesity in the country is found to be the highest in the 20% of the population consuming 80% of dietary fat. Moreover, other surveys conducted in schools have discovered that 30% of adolescents from the country's higher economic groups are obese.
At the same time, Indians have a genetic predisposition to such diseases. The accumulated loss of income as a result is predicted is around $54 billion by 2015 due to unhealthy life styles and flawed diets. This prediction is alarming, considering the fact that India is trying to establish itself as a leading player in the global economy.
Currently, more than six million people in India suffer from coronary artery disease and more than five million people suffer from rheumatic heart disease. The health scenario in the country is quite alarming, yet the effects of such health matters are controllable by regulating diet, proper exercise, eating more cereals and fibre, consuming less fat, and eating more fruits and vegetables. Although Indians consume more cereal, the consumption of fruit is abysmally low at 150 grams per day as compared to the recommended 400 grams.
Changing trends indicate that many Indians are reacting to this problem. Many people are now including exercises as part of their daily routines. The media is generating a lot of awareness about this problem. People are undertaking yoga instructions, joining gyms and are doing various forms of exercise. A lot of health related equipment is also available in the market and these have now gained immense popularity too.