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op Health insurance Companies Essay.

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op Health insurance Companies Essay.

 

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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Cash Health Plan is not Regular Health Essay.

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Cash Health Plan is not Regular Health Essay.

 

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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Medical and Coding Specialists Essay.

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Medical and Coding Specialists 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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Discover Best Acne Unnerving Treatments Essay.

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Discover Best Acne Unnerving Treatments Essay.

 

The question that disturbs every bad acne sufferer who has acne scars is one of the best acne scaring treatment in the marketplace. There are in fact various types of acne pimples scaring treatments that target surgical marks made by different types of acnes. But if you are still suffering from acne break outs then the best way is to prevent foreseeable future acnes and then to deal with the existing scarring.Discover Best Acne Unnerving Treatments Essay.

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Let us now know about the best acne scaring treatments you can find: you can use an antioxidant solution which contains . Will help you lift your skin, repair the particular damaged tissues and even its skin tone. For the blemishes you have the Manuka facial area cream. It is moisturizing gel rich in manuka honey with its antiseptic qualities, the balancing connection between cedarwood and the soothing effects of typically the lavender. You can effectively work with the neem oil to eliminate any acne bacteria; it is also excellent in reducing the scars. You also have the option of the very popular Rosa mosqueta. It is formulated with essential fatty acids. It has the potency to reduce even very old marks and it also makes the kin search fresher and smooth.Discover Best Acne Unnerving Treatments Essay.

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Most acne scarring fade away with time thus making use of the bet acne scaring therapies mentioned above will definitely help you solve your acnes. But some acne scars can prove to be a great deal more stubborn and thus might require health care intervention or professional aesthetic acne scaring treatments.

Injecting collagen under the skin to deal with very soft, mild scars that are far too deep or shallow is an effective acne scaring treatment.

Another extremely effective way of treating mild scarring is microdermabrasion. In this procedure the upper layer of the is certainly scrapped off to stimulate the growth of new cells.

Another very effective way is lazer resurfacing. Laser rays are used to flatten and then resurfacing your skin layer. But there is a side effect to this often very effective way, and that appearing redness of the skin, infection and in many cases worsening of the scars.

In handling red marks MSM and Alpha dog lipoic acid has proved great. Dermabrasion or laser resurfacing can be effectively used to treat winter snow storms pick scars. Collagen a shot helps deal with mild stretch marks. Keloids acne scars are effectively given injecting steroids, laser treatment and laser vaporization.

A very easy and simple means of accelerating the healing of acne scars is by changing your eating routine. It can help in healing typically the wound faster and renews the ruined skin tissues. Researching conducted on rats possesses proved the fact that a diet determined by fat causes high inflammatory reaction rates, lows down mend of the damaged cells not to mention impairs blood synthesis. Changing high fact diet using reduced fat foods might positively affect the wound and scar healing process. The food superior also affects the themes scar healing process. Taking a regular doe of zinc, and vit a and e also helps in restoring the cell.Discover Best Acne Unnerving Treatments Essay.

But the best way to heal acne scars and that too without any subsequent side effects is to prevent acnes with occurring. It has been proved that this holistic approach neutralizes the internal creates and environment that leads towards acnes. So by stopping the actual acnes from forming you can steer clear of any scars from swirling. One that has been achieved it is possible to used the best acne frightening treatments mentioned above in order to stop your acne scars completely.Discover Best Acne Unnerving Treatments Essay.

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