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Apollo Munich Health Insurance

     
Quality healthcare and Apollo have become synonymous in the Indian subcontinent, a fact reiterated by global healthcare experts and international accreditation bodies. Committed to bring world class health care within the reach of every individual, Apollo Hospitals Group has joined hands with Munich Health, a world leader in the field of health insurance.
 
The joint venture is poised to make good the conviction of both the partners that Indian health insurance market is on the brink of explosive growth.

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It's easy to get sick. Anyone can get sick anytime. But who saves for an ailment? We might save for a dream holiday, a dream house or a child's dream. But rarely do we set aside a chunk of our salaries for a gallbladder removal or a knee replacement. So if you suddenly find yourself saying, 'why does this happen to me', in the middle of a medical emergency, you'll probably have to sacrifice a dream or compromise a fund you saved for something else.


STAR HEALTH INSURANCE


Because STAR HEALTH AND ALLIED INSURANCE, is a specialist in Health Insurance and provides quality service at the best rates. As the country's first stand alone health insurance company in India, it is committed to the service of the insured. There is no Third Party Administrator involved in claims settlement, which means better service, in shorter time and no hassles... at all! click here to know more
 


Star Shri Individual Care

The concerns over health are on the rise. On one side, there are life threatening ailments, on the other side , There are ever increasing medical expenses. But when it comes to life and health, your most valuable asset, you should never settle for anything less than complete protection.


Star Shri Family Care

A simple foresight can help you and your family a lot. Star Health and Allied insurance Co. ltd, and Shriram life Insurance Co. Ltd, Present Star Shri family Care, a policy that offers both life and health cover, with the increasing number of life threatening diseases and the mounting medical expenses, you need complete protection that Star Shri family Care offers.


About Max Bupa Health Insurance

     
Max Bupa is a new health insurance company in India. Our mission is to help our customers lead healthier, more successful lives by setting new standards in health insurance. Please read further, to get to know more about who we are.

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What is General Insurance?

     
Insurance other than 'Life Insurance' falls under the category of General Insurance. General Insurance comprises of insurance of property against fire, burglary etc, personal insurance such as Accident and Health Insurance, and liability insurance which covers legal liabilities. There are also other covers such as Errors and Omissions insurance for professionals, credit insurance etc.

Non-life insurance companies have products that cover property against Fire and allied perils, flood storm and inundation, earthquake and so on. There are products that cover property against burglary, theft etc. The non-life companies also offer policies covering machinery against breakdown,there are policies that cover the hull of ships and so on. A Marine Cargo policy covers goods in transit including by sea, air and road. Further, insurance of motor vehicles against damages and theft forms a major chunk of non-life insurance business.

In respect of insurance of property, it is important that the cover is taken for the actual value of the property to avoid being imposed a penalty should there be a claim. Where a property is undervalued for the purposes of insurance, the insured will have to bear a rateable proportion of the loss.
 
For instance if the value of a property is Rs.100 and it is insured for Rs.50/-, in the event of a loss to the extent of say Rs.50/-, the maximum claim amount payable would be Rs.25/- ( 50% of the loss being borne by the insured for underinsuring the property by 50% ). This concept is quite often not understood by most insureds.

Personal insurance covers include policies for Accident, Health etc. Products offering Personal Accident cover are benefit policies. Health insurance covers offered by non-life insurers are mainly hospitalization covers either on reimbursement or cashless basis. The cashless service is offered through Third Party Administrators who have arrangements with various service providers, i.e., hospitals. The Third Party Administrators also provide service for reimbursement claims. Sometimes the insurers themselves process reimbursement claims.
 
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