This document provides information about health insurance, including its purpose of covering medical costs and protecting against unexpected high costs. It discusses how to get and claim health insurance, as well as the advantages like risk coverage, tax benefits, and peace of mind. The disadvantages include restricted hospitals and pre-existing conditions not being covered. It also outlines how to surrender a health insurance policy and avoid health insurance scams by verifying agents and not giving sensitive information or paying premiums through agents.

1. HEAL
TH INSURANCE

2. Health insurance is atype of insurance coveragethat
coversthe cost of an insured individual's medicaland
surgical expenses.

3. PURPOSE OF HEALTH INSURANCE

4. HEALTHINSURANCE PROTECTSYOU FROM HIGH,
UNEXPECTED COSTS

5. MAKE QUALITY TREATMENTAFFORDABLE

6. CASHLESSSERVICE

7. TAXBENEFIT

8. HOW TOGETLIFEINSURANCE

9. Steps to follow for getting lifeInsurance
• Seeif you canfind theactual life insurance policy
• Callthe life insurance agent or lifeinsurance
company on the life insurancepolicy.
• Next fill out the life insurance claim forms
• Sendin the life insurancepaperwork
What to look for in a LifeInsurance policy
• Policy Benefits
• pricing and premiums
• additional Services
• Customer Support

10. HOWTOCLAIMHEALTHINSURANCE

11. • Get admitted in any one of networkedhospitals
• Faxthe pre-authorisation form along with
relevance
• Obtain itemized receipts andbills
• Get your claim form
• Make copies
• Review then send

12. WHAT ARE THEADVANTAGES OF LIFE
INSURANCE?

13. • Risk Cover
• Protection against rising healthexpenses
• Daily hospital cashallowance
• Peace of Mind
• T
axBenefits
• Coverage of expenses related to organdonors
• Convalescence Benefits

14. WHAT ARE THEDISADVANTAGES OFLIFE
INSURANCE ?

15. • Restricted hospital
• Health does not cover pre-existingdiseases
• Expensesof defect related AIDSis not covered
Eg:-Contact lenses, HearingAIDS,general
ability & intoxicatingDrugs
• Most company do not haveseparatehealth
insurance cover for achild
• Older the agehigher the cost ofpremium

16. HEALTHINSURANCE SURRENDERPOLICY

17. • Callthe company
• Fill out theforms
• Speakto the representative
• Packagethe policy and forms and mail them
• Wait for thecheck

18. HOWTOAVOIDHEAL
THINSURANCESCAM

19. • Understand that you canencounter insurance agents everywhere,
on shopping malls, the Internet, even just outside yourhouse. They
cancall you out of the blue and askif you want to purchase life
insurance.Not all of these people are out to scam you.
• Don’t just accept the agent’s company ID, Verify itwith the
InsuranceCommission.
• Understand that agents who are into health insurancescamsare
usually in ahurry to get you to fork over money to them
• Donot give any sensitive personal information suchasyour Social
Security number, bank account, or even hand out your creditcard.
• Understand that Someinsurance agents who make up life insurance
scamsusefake promos and rewards to lure customers to purchase
an insurance policy.
• Bealert and careful when dealing with offers orpromos.
• Before signing apolicy, make sure that you agree with the termsof
the policy.
• Donot pay your premiums through your insurance agent. Askfor
payment options where you are paying directly to thecompany.

20. COMPANYININDIA