{"id":861,"date":"2022-05-24T08:51:36","date_gmt":"2022-05-24T08:51:36","guid":{"rendered":"http:\/\/kbinsurance.in\/?page_id=861"},"modified":"2022-05-24T11:49:47","modified_gmt":"2022-05-24T11:49:47","slug":"health-insurance","status":"publish","type":"page","link":"https:\/\/kbinsurance.in\/?page_id=861","title":{"rendered":"Health Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"861\" class=\"elementor elementor-861\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6e99129 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6e99129\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-4416359\" data-id=\"4416359\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-754968b elementor-widget elementor-widget-heading\" data-id=\"754968b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.5 - 27-04-2022 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Health Insurance<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e7c95d elementor-widget elementor-widget-heading\" data-id=\"8e7c95d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Your health, your choice.<\/h6>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5e7d839 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5e7d839\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-dff9b26\" data-id=\"dff9b26\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e5bae2c elementor-widget elementor-widget-text-editor\" data-id=\"e5bae2c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.5 - 27-04-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><b>Health insurance<\/b>\u00a0or\u00a0<b>medical insurance<\/b>\u00a0(also known as\u00a0<b>medical aid<\/b>\u00a0in South Africa) is a type of\u00a0<a title=\"Insurance\" href=\"https:\/\/en.wikipedia.org\/wiki\/Insurance\">insurance<\/a>\u00a0that covers the whole or a part of the risk of a person incurring\u00a0<a class=\"mw-redirect\" title=\"Medical expenses\" href=\"https:\/\/en.wikipedia.org\/wiki\/Medical_expenses\">medical expenses<\/a>. As with other types of insurance is risk among many individuals. By estimating the overall risk of\u00a0<a class=\"mw-redirect\" title=\"Health risk\" href=\"https:\/\/en.wikipedia.org\/wiki\/Health_risk\">health risk<\/a>\u00a0and\u00a0<a title=\"Health system\" href=\"https:\/\/en.wikipedia.org\/wiki\/Health_system\">health system<\/a>\u00a0expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or\u00a0<a title=\"Payroll tax\" href=\"https:\/\/en.wikipedia.org\/wiki\/Payroll_tax\">payroll tax<\/a>, to provide the money to pay for the health care benefits specified in the insurance agreement.<sup id=\"cite_ref-Vuongetal2017b_1-0\" class=\"reference\"><\/sup>\u00a0The benefit is administered by a central organization, such as a government agency, private business, or\u00a0<a class=\"mw-redirect\" title=\"Not-for-profit\" href=\"https:\/\/en.wikipedia.org\/wiki\/Not-for-profit\">not-for-profit<\/a>\u00a0entity.<\/p><p>According to the\u00a0<a class=\"mw-redirect\" title=\"Health Insurance Association of America\" href=\"https:\/\/en.wikipedia.org\/wiki\/Health_Insurance_Association_of_America\">Health Insurance Association of America<\/a>, health insurance is defined as &#8220;coverage that provides for the payments of benefits as a result of sickness or injury. It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment&#8221;.<sup id=\"cite_ref-2\" class=\"reference\"><\/sup><\/p><p>In India, provision of health care services varies state-wise. Public health services are prominent in most of the states, but due to inadequate resources and management, major population opts for private health services.<\/p><p>To improve the awareness and better health care facilities,\u00a0<a class=\"mw-redirect\" title=\"Insurance Regulatory and Development Authority of India\" href=\"https:\/\/en.wikipedia.org\/wiki\/Insurance_Regulatory_and_Development_Authority_of_India\">Insurance Regulatory and Development Authority of India<\/a>\u00a0and The General Corporation of India runs health care campaigns for the whole population. IN 2018, for under privileged citizens,\u00a0<a title=\"Narendra Modi\" href=\"https:\/\/en.wikipedia.org\/wiki\/Narendra_Modi\">Prime Minister Narendra Modi<\/a>\u00a0announced the launch of a new public health insurance fund called\u00a0<a title=\"Ayushman Bharat Yojana\" href=\"https:\/\/en.wikipedia.org\/wiki\/Ayushman_Bharat_Yojana\">Ayushman Bharat Yojana<\/a>\u00a0and the government claims that the new system will try to reach more than 500 million people.<\/p><p>In India, Health insurance is offered mainly in two Types:<\/p><ul><li><b>Indemnity Plan<\/b> basically covers the hospitalization expenses and has subtypes like Individual Insurance, Family Floater Insurance, Senior Citizen Insurance, Maternity Insurance, Group Medical Insurance.<\/li><li><b>Fixed Benefit Plan<\/b>\u00a0pays a fixed amount for pre-decided diseases like critical illness, cancer, heart disease, etc. It has also its sub types like Preventive Insurance, Critical illness, Personal Accident.<\/li><\/ul><p>Depending on the type of insurance and the company providing health insurance, coverage includes pre-and post-hospitalization charges, ambulance charges, day care charges, Health Checkups, etc.<\/p><p>It is pivotal to know about the exclusions which are not covered under insurance schemes:<\/p><ul><li>Treatment related to dental disease or surgeries<\/li><li>All kind of STD&#8217;s and AIDS<\/li><li>Non-Allopathic Treatment<\/li><\/ul><p>Few of the companies do provide insurance against such diseases or conditions, but that depends on the type and the insured amount.<\/p><p>Some important aspects to be considered before choosing the health insurance in India are Claim Settlement ratio, Insurance limits and Caps, Coverage and network hospitals.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-f8ad88f elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f8ad88f\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-19076a4\" data-id=\"19076a4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a7a63e8 elementor-widget elementor-widget-heading\" data-id=\"a7a63e8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h6 class=\"elementor-heading-title elementor-size-default\">Free Estimation<\/h6>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75947b9 elementor-widget elementor-widget-heading\" data-id=\"75947b9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Quote for health insurance<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-029fbda elementor-align-center elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"029fbda\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"http:\/\/kbinsurance.in\/?page_id=16\" class=\"elementor-button-link elementor-button elementor-size-md\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Get A Quote<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Health Insurance Your health, your choice. Health insurance\u00a0or\u00a0medical insurance\u00a0(also known as\u00a0medical aid\u00a0in South Africa) is a type of\u00a0insurance\u00a0that covers the whole or a part of the risk of a person incurring\u00a0medical expenses. As with other types of insurance is risk among many individuals. By estimating the overall risk of\u00a0health risk\u00a0and\u00a0health system\u00a0expenses over the risk pool, &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/kbinsurance.in\/?page_id=861\"> <span class=\"screen-reader-text\">Health Insurance<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"site-sidebar-layout":"default","site-content-layout":"page-builder","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"enabled","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"class_list":["post-861","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/kbinsurance.in\/index.php?rest_route=\/wp\/v2\/pages\/861","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kbinsurance.in\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kbinsurance.in\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kbinsurance.in\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/kbinsurance.in\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=861"}],"version-history":[{"count":7,"href":"https:\/\/kbinsurance.in\/index.php?rest_route=\/wp\/v2\/pages\/861\/revisions"}],"predecessor-version":[{"id":907,"href":"https:\/\/kbinsurance.in\/index.php?rest_route=\/wp\/v2\/pages\/861\/revisions\/907"}],"wp:attachment":[{"href":"https:\/\/kbinsurance.in\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=861"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}