Important Points for IC 27 - Health Insurance Exam
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Daily hospital cash benefit is an innovative product available in the market to cover incidental costs associated with hospitalisation, which are normally not covered under hospitalisation policy.
High deductible hospital indemnity covers are top-up covers which provide coverage beyond the deductible amount chosen, ranging from 1 lakh to 5 lakhs, and are suitable for persons who have a low sum insured in indemnity policies.
There are many more innovative health insurance products coming up in the market such as disease management, outpatient coverage, HSAs, senior citizen products, micro-insurance and international coverage products to meet the specific needs of people from different sections of the society.
Personal accident policies are offered both on a standalone basis and in a packaged product with other health insurance cover. This policy protects the insured against accidental death and any form of disablement due to accident.
Some products are available in the market now that provide coverage for persons with HIV, dental treatment, dengue only etc. The innovations in this space are increasing and many more innovative products will continue to be offered by insurers.
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