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Health Insurance in India
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Surveys on health insurance in India have revealed that a large section of the total expenditure on health in India comes from domestic sources. In India, majority of the population is below poverty line. One cannot expect those people to go for health insurance who can hardly make their both ends meet. Hence it is quite natural that people who go for health insurance come mainly from the upper strata of society. This is because the unprivileged section of the society has less access to medical facilities. But cost for medical treatment, expenditure in hospitals and nursing home has escalated to such an extent that people have to opt for health insurance as a protection during emergency.
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As a result various organizations have launched different health insurance policies which are providing us with facilities regarding health insurance. Not only we derive benefits from such health insurance policies but also these companies are earning profit from their policies. Some renowned companies and their health insurance policies are:
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ICICI Lombard
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TATA AIG Health Insurance
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Reliance Money Insurance
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Ashadeep of Life Insurance Corporation of India
All these agencies have been of immense help as they
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provide low cost health care
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give protection from high hospitalization costs
Companies must take care to see that their clients receive immediate benefits otherwise the people may not feel interest towards such policies. Premiums must not be too high and should be within the reach of the common man. These health insurance companies need to have detailed research on their target market. They should have facilities for research in order to keep up-to-date information regarding the improvisation of such policies as the requirements of people are ever changing. Technical and managerial aspects should be improved in order to hold interest of the people. The government should also take some initiatives in order to check the deceleration of health insurance in India. |
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