Discussion: Treating Childhood Abuse In 2012, statistics in the United States indicated that state CPS agencies received 3.4 million referrals for child abuse and neglect. Of these, nearly 700,000 children were found to be victims of maltreatment: 18% were victims of physical abuse and 78% were victims of neglect (CDC, 2014). Child sexual abuse makes […]
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Health insurance is no longer a luxury for us, Indians, it has become a need. Even with the increasing disposable incomes, we can no longer afford the hospital expenses for ourselves and our loved ones due to the increasing rate of medical inflation. So we can no longer depend on our savings or generosity of our friends and families or even relax with our company’s health insurance, we need an independant health insurance cover for ourselves and for our family.op Health insurance Companies Essay.
But even with the need for health insurance realized, we find it confusing to find the right health policy for ourselves with so many health insurance companies in the market. We give you the ‘Ten top health insurance companies in India’ and their popular products.op Health insurance Companies Essay.
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This information is just to give you an introduction of the health insurance companies and name some of their products. To buy a health insurance policy, read about the basics of health insurance like pre-existing illnesses, waiting period, loading, exclusions, how to renew, whom to buy a policy from and how to compare health insurance policies. Only after understanding it, should you go ahead and buy it.
First let us look at some of the dedicated health insurance companies. The order in which the companies are listed is not an indication of their relative strengths.op Health insurance Companies Essay.
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Star Health & Allied Insurance Company Limited
Star Health and Allied Insurance Company Limited (Star Health) is a joint venture between Oman 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
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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.op Health insurance Companies Essay.
Popular products: Heart Beat Gold, Silver and Platinum
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Apollo Munich
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
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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
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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
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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
Now for the Public Sector General Insurance Companies,
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Oriental insurance
One of the four public sector units, Oriental insurance offers a number of health insurance products including Individual mediclaim, Universal health insurance scheme and family floaters to the customers. Optional benefits like Personal Accident and Life Hardship Survival can be added with the basic health cover to avail extra benefit. Their Happy Family floater is a popular product because it doesn’t require medical check-up till the age of 60 (it is mandatory for everyone over the age of 45 to take a health check-up in other policies).
Popular policy: Happy Family Floaterop Health insurance Companies Essay.
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United India Insurance
Another of the public sector units, United India Insurance Company Limited also offers a wide range of health insurance products like Family Medicare- Gold, Platinum, Senior Citizen, Top-up and Super Top-up. Top-up and Super Top-up products are products which provide additional cover amount if you find your basic cover insufficient.op Health insurance Companies Essay.
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For those who consider all health or hospital plans as regular health insurance plans, here is the spoiler, they are not. So if you have received calls urging you to buy a health plan in which you do not need medical tests, where all diseases are covered; then they might be talking about the Cash Health Plan or Hospital Cash plan.Cash Health Plan is not Regular Health Essay.
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Please note that all plans are not regular health insurance and let not the sweet talking sales guy make you buy something you don’t need.
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Signs that the plan you are buying is a Cash Plan:
Sign no.1: It pays fixed amount per day of hospitalization, irrespective of the expenses.
On the other hand Health Insurance in India, pays you for on the admissible medical expenses incurred on Hospitalization as per the terms and conditions of the policy.
Sign no.2: It pays irrespective of what you spend. The reimbursement is based on purely number of days of hospitalization.
Health Insurance on the other hand pays for hospitalization charges, doctor fees, surgery costs, and pre and post medical expenses.
Sign no.3: It does not require medical tests. It is available to anyone from an age of 25 to 60.Cash Health Plan is not Regular Health Essay.
Health Insurance on the other hand may require medical tests before coverage in a policy.
From the differences given above, you may feel that buying a health Cash Plan is a better option as it has few conditions and covers more.
But don’t be drawn into it by the convenience projected, a Health Cash Plan mostly ends up paying less than a Health Insurance Policy and here is how.
Mistaken Identity
Anuj bought a Cash health plan thinking it was a health insurance policy. Anuj then had to go through a surgery for which he stayed in the hospital for 5 days. The cost of the surgery was Rs.50,000 and the other expenses incurred by the family like transportation, medicines, fruits etc. came to Rs.2000.
The Health Cash Plan paid him only Rs. 5000 as per Rs. 1000/day. Anuj ended up paying Rs. 45,000 from his own pocket.
A Health Insurance Policy on the other hand would have paid him the entire amount of the surgery and would have also reimbursed him for the expenses incurred after the surgery for up to 60 days as Post hospitalization expenses.Cash Health Plan is not Regular Health Essay.
So what would you prefer- being paid for the expenses incurred or just the stay?
Not a Substitute but a Supplement
Do not substitute buying Regular/Standard Mediclaim with a Health Cash Plan. A Health Cash Plan is an excellent supplement to your existing Health Insurance Policy. So you don’t just get the hospitals bills covered, but you also get paid for the additional expenses which aren’t covered by a Mediclaim.
As a Supplement, here’s how a Cash Health Plan works:
Daily Allowance: Rs. 1000-Rs 2500/day for a maximum of 30-60 days depending on the type of plan.Cash Health Plan is not Regular Health Essay.
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https://academicheroes.com/wp-content/uploads/2020/12/logo.png00adminhttps://academicheroes.com/wp-content/uploads/2020/12/logo.pngadmin2019-12-09 12:12:122019-12-09 12:12:12Cash Health Plan is not Regular Health Essay.
The days of worries about claims denial have gone by and successful reimbursement is easy because of medical billing and coding services. The billing and coding systems back up the health sectors and insurance companies to carry out their business to perfection. The billing and coding services have distinct features and both are not the same.
On the eve of successful reimbursement for a physician, both of these services put forth tremendous efforts. The process of claims has sped up because of the billing and coding services. Billers and coders know the art of organizing as well as preparing accurate bills and subsequently submitting them to the insurance providers. An accurate claim with exact details never takes a long time and results in exact reimbursement for the health care sectors.Medical and Coding Specialists Essay.
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In western countries, the number of health care centers increase day by day and so the billing and coding services. It is not that easy to become a professional biller or coder. Medical field is a rapidly changing field. Despite your experience, you have to update the changes that happen, often in the field. The coders code the transcribed documents on the basis of CPT and ICD-9 modules. Both the CPT and ICD-9 modules are updated and published every year.Medical and Coding Specialists Essay.
You have to stick to the basics, that is should keep on learning the changes in order to provide a perfect and accurate coding. The billers need specialized skills too. An exceptional knowledge about the medical terms is a must for the billers. To pull the name of the disease and treatment from the coding and preparing an exact bill based on that is not as easy job without possessing a strong knowledge on medical terminologies. The billers and coders are the men in the backroom who assist to acquire a successful reimbursement for physicians.Medical and Coding Specialists Essay.
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