In Indian Government sector, the National Insurance, New India Insurance, United India, Oriental Insurance companies viz., and in private sector the  ICICI , Apollo, DVK, Tata AIG , Reliance Gender, Star allied, Royal sundaram, Cholamandalam, D.B.S. Bajaj allianz A.G. Health insurance viz.,  companies are offering the health insurance policies to their customers.

The New India Insurance Company, Limited.

Government sector companies are sponsoring medical claim policies. For example the New India Insurance Company Limited has introduced a policy for the benefit of 18-65 years middle age people on the name of Janata Medical claim policy. For the wounds happened in the event of accident and for ill health situations, this company is supporting the policy holders, for meeting their hospitalization expenditure. Based on some special conditions laid down free hospitalization and post hospitalization expenditure is providing to the policyholders.

In cases of pre illness to the date of policy, the insurance coverage is made available.  However policy holder has to make 4 premiums payment without any obstruction and no claim should be on their policy. In the same manner the necessary treatment provided in Ayurveda, Homeo, Unani the health insurance coverage is made available for some extent to the policyholder. On obtaining of policy, within 30 days if the policy holder attacked with any disease he is not entitled any benefits provided against the policy. The HIV (Aids), Cosmetic surgery, Vaccination, Pregnancy, Delivery, treatment provided in foreign countries are not entitled for claim. For the poor people, who are living beyond the property line, the New India insurance company has introduced the special Universal Health Insurance scheme. Further for the benefit of 60 years Senior citizens a new special policy is introduced.

LIC HEALTH PLUS

In Government Sector, Life Insurance Corporation of India has introduced the Health plus unit linked health insurance policy. In this policy the health insurance coverage, investment, profits, and on mature date the major amount will be received by the policy holder. The health insurance policy can be obtained by the individual name or on the name of policy holder total family members including policy holder, on completion of   six months from the date of policy the insurance coverage will be commenced.

Rs. 2,500/- policy, will the policy holders, to the date of closing of policy agreement or not exceeding 365 days,  the hospital cash benefit , 3 times major surgical (Costly surgical  treatments). For the people exclusively who wants the health insurance & income. This policy is suitable and got appreciation by all of them. For the age group of 18 to 65 years the Health plus policy is covered. Recently this condition of limitation on age is amended. Presently in Health Plus policy provided by LIC, the age limit is increased to 75 years. In addition to this, on completion of the term, the profit accrued on the investment of policy holder, the same can be utilized by him for his remaining life health insurance and his treatment. In any unavoidable circumstances, if the policy holder dies, then the nominee can pay the remaining premiums and continue the health insurance on the individual name. On completion of first 3 years payment of premiums, then  the  individual can with draw some amount on the value of fund deposited against the policy so as to meet his needs as per the laid down terms & conditions.

APOLO – DKV

In private sector the health insurance is providing by several companies. Some popular medical companies, hospitals are also extending their services in the health insurance sector. Some companies have taken interest to provide Medical insurance facilities to the policy holders. In the State recognized Apolo Medical services organization has sponsored the Apolo DKV health insurance services to the age group of 5 years to 70 years. The accident, health insurance policies are offering by this organization keeping in view the individuals needs and necessity. On the name of personal accident plan the expenditure caused against severe accident can be booked by the policy holder through this special health insurance policy. For future health problems, treatment this health insurance will be given protection. At the time of long journey if any medical expenditure has been incurred by the policy holder, the same can be claimed though this special policy. If more family members are combined and taken this policy then the royalty is provided in the premiums and cumulative bonus. These are the special attractions covered on Apolo DKP Health insurance. The suicides, HIV diseases are not covered under health insurance policy