Overview

Typical expenses that are not covered by a general health insurance policy:

  • Any disease/injury within the first 30 days of commencing a policy, except accidental injury
  • Any treatment relating to any illness/disease already in existence at the time of the insurance proposal

 

There is a whole list of diseases and disorders where expenses incurred within the first two years from the start date of the policy are not covered. These diseases are typically covered from the third or fourth year onwards as pre-existing covers.

Health Insurance: Premium


ICICI Lombard - Health Insurance 1 year        Rs. 3,046
United India Insurance - Mediclaim Platinum    Rs. 3,609
Oriental Insurance - Health Insurance             Rs. 3,799

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Health Insurance Exclusions: Basics

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Get Health Insurance Proposals
Upto 5 providers will offer you alternative proposals based on Feb 2012 premiums
Insurance Details

 

Individual Plans
     (Want to cover medical expenses in case of an illness to myself)

Family Plans - Individual Covers
     (Want to cover my family; each member with individual limit)

Family Floater Plans
     (Want to cover my family with a single overall limit)

 

Preferred Insurance Cos.
  •  Best 5
  •  MAX BUPA
  •  TATA AIG
  •  APOLLO MUNICH
  •  ICICI LOMBARD
  •  UNITED INDIA
  •  NATIONAL
  •  NEW INDIA
  •  RELIANCE
  •  STAR
Personal Details

 

 

 

 

 

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Health Insurance Exclusions: Opinion

  • Health Insurance Plans - Life Insurers vs. Non-Life Insurers
  • Health Insurance for your Parents
  • Floater Health Insurance Policy

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Decision-making Corner

  • Mediclaim comparator
  • Critical Illness comparator
  • Term Insurance comparator
  • Returns on Money Back Policy vs. Inflation Calculator

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