1. HEALTH INSURANCE
• Insurance policy that provides coverage to the
policyholder & family members against the
medical costs.
• Healthcare treatments are expensive and can
breakdown ones financial position if not
planned well in advance.

2. TYPES OF HEALTH INSURANCE
 CRITICAL ILLNESS PLAN
 INDIVIDUAL HEALTH
INSURANCE
 FAMILY FLOATER PLAN
 SENIOR CITIZEN HEALTH
PLAN
 MATERNITY HEALTH
INSURANCE
 CORONA HEALTH
INSURANCE PLAN
 UNIT LINKED
HEALTH PLAN

3. CASHLESS TREATMENT
• It allows the insured to get required
treatment in network hospitals without
paying during hospitalization up to the
sum insured.
• The insurance company pays on
insured behalf and makes medical
expenses cover instantly.

4. CLAIM SETTLEMENT RATIO
• Claim Settlement Ratio shows the number of claims that
the insurance company has settled versus the rejected
ones.
• Always ensure to choose a company
with high claim settlement ratio
(Between 65 to 95 %)

5. DOCUMENTS REQUIRED
• IDENTITY PROOF – PAN Card, Aadhaar Card,
Passport, Driving License, Passport, Voter ID
• ADDRESS PROOOF - Bank A/c Statement,
Electricity Bill, Passport, Voter ID
• INCOME PROOF – Salary Slip, Form 16 ITR,
Employer’s Certificate
• AGE PROOF – PAN Card, Driving License,
Passport, Voter ID
• MEDICAL CHECKUP – Any past medical report
• PASSPORT SIZE PHOTO of the Policyholder

6. TAX BENEFIT ON HEALTH INSURANCE
One can claim tax advantage
under Section 80 D of the
Income Tax Act for the
premiums paid under a health
insurance policy.

7.TIPS TO BUY BEST HEALTH POLICY
• Coverage Amount
• Cashless Treatments
• Larger Network of Tie-ups with Hospitals
• Add-On Benefits
• Compare different policies
• Claim Settlement Ratio

8. NO CLAIM BONUS
• It is a discount that policyholder
receives from the insurer for every year
claim is not made.
• NCB adds as a discount on the
payable premium at the time of
renewing policy or while increasing
sum insured amount.

9. BENEFITS TO LOOK FOR
• PRE & POST HOSPITALIZATION EXPENSES
• HEALTH CHECKUPS
• AMBULANCE CHARGES
• PRE EXISTING DISEASE CONSIDERATION
• TREATMENT EXPENSES
• ROOM RENT CAPPING

10. TOP HEALTH INSURANCE COMPANIES
• STAR HEALTH INSURANCE
• HDFC ERGO HEALTH INSURANCE
• MANIPAL CIGNA HEALTH INSURANCE
• RELIGARE HEALTH INSURANCE
• BAJAJ ALLIANZ HEALTH INSURNACE
• FUTURE GENERALI INDIA INSURANCE
• BHARTI AXA HEALTH INSURANCE
• ICICI LOMBARD HEALTH INSURANCE

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DEVTECH
FINANCE