Secondary health care refers to the healthcare services provided by medical specialists and other health professionals who generally do not have first contact with patient.
Tertiary Health care is specialized consultative healthcare, usually for inpatients and on referral from primary/secondary care providers. The tertiary care providers are present mostly in the state capitals and a few at the district headquarters
Teritiary Health Care - Advanced Medical Facilities like Oncology (cancer treatment), Organ Transplant facilities, High risk pregnancy specialists etc.
The three type of healthcare are primary, secondary and tertiary depending on the level of medical attention required. Cost of healthcare rises with each level with tertiary care being the costliest.
Payment of Premium in Advance (Section 64 VB of Insurance Act, 1938) - As per Insurance Act, premium is to be paid in advance, before the start of the insurance cover. the risk may be assumed only from the date on which the premium has been paid in cash or by cheque.