From last few decades, there has been a
very speedy and sanguine development in health insurance
sector benefiting not only wealthy people but also the
underprivileged population of India. This article provides certain
most important trend setting advances that will surely accelerate the
rate of health insurance sector development in India.
Trend- 1Health Total Insurance
Policy by Future Generali
This policy of Non-Insurance company
Future Generali act as trend setter by providing advantage of ‘one
for all healthcare needs’. The Total health acts as a solo solution
for all health issues faced by customers. Although Future Generali is
a non-insurance sector company yet for self-benefit and profitable
business from health insurance scheme, company is expanding
its business in health insurance sector. For coming financial
year Future Generali aims to achieve 20% of total business profit
only from health care business. Therefore, policy like Health Total
and many other products will surely help in achievement of vision
with optimistic approach to benefit people and mark as trendsetter in
Indian health insurance sector.
Trend-2 Health Insurance as gift
of care
What is better then giving a aptitude
of carefulness to your loved once in form of health insurance
gift. Jamuna Bhaskar working as health insurance officer in
Chennai performed one such act by gifting a 50 lakh insurance cover
to his daughter and Son-in-law. This was a good act to provide good
investment plan in form of gift to young once starting their new
life. Health insurance policy is one such individual policy
that will always be requirement of every human being living in
society.
Another trendsetter gift of health
insurance was “PM’s health insurance rakhi gift for women
of Allahabad city”. The Bhartiya Janta Party launched a campaign in
which thousand of women were covered under PM’s health insurance
plan on occasion of Rakhi in year 2015. Distributors these days are
target adolescence to make them understand the benefits of healthy
investment in initial ages of life. Therefore, gifting health
insurance policy is like a smart trend in modernized world of
investment.
Trend -3 Converting Exclusions to
Life Plus
In recent years along with tax benefit
the policy makers are working tough enough to include certain
exclusion like cancer coverage, pre-diabetic patients, special care
needs and many more life plus option in health insurance.
These options are strengthening insurers amount in health sector.
These modified health insurance plans
take long-term care of health needs and gain trust of customers.
There are Criticare plus plans that provide coverage for more then 17
critical care illnesses.
Trend- 4 Farmer health insurance
cards
There are farmer smart cards introduced
by insurance providers that cover minimum of Rs 1 Lakh health
insurance provided by different Government health insurance
scheme. Although recently there are reports on misuse of these farmer
smart cards by care providers. But providing knowledge and guidelines
of use to farmer will have a control over such crime and surely these
farmer smart card will work as trendsetter for health insurance sector in India.
