Important Points for IC 27 - Health Insurance Exam
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Health Insurance products available in the Indian market are primarily dominated by hospitalisation products.
Insurance in is modern form first arrived in India in 19th century after which regulatory structure for the insurance industry has undergone several changes. However, the insurance Act 1938 remains the backbone for all the insurance laws in the country.
Health insurance in India began with the Employees State Insurance Scheme in 1948 for blue-collar workers employed in the formal private sector and was followed by te Central Government Health Scheme in 1954 for the central government employees working for civilian assignements.
The first standardised health insurance product, Mediclaim for individuals and their families was launched in 1986 in the Indian market.
As per the constitution of India, the states are largely independent in matters related to the delivery of health care to the people in their area; therefore, each state has developed its own system of health care delivery and created the necessary infrastructure.
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