Basic Aspects Of Health Insurance Essay

Basic Aspects Of Health Insurance Essay

Length: 1715 words (4.9 double-spaced pages)

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As an Introductory chapter, Its plan section wise is designed for quicker, easy and clear understanding.
In this chapter there are seven sections . Section 1.1 deals with basic aspects of Health Insurance at length. While section 1.2 treats preliminaries of Security, Section 1.3 is about problem context. Section 1.4 explains research Hypothesis. The next section 1.5 explains the aim and objectives. The penultimate unit, Section 1.6 depicts the scope of this research undertaking. Finally, the last part is devoted to the chapterisation of the thesis which is entitled as section 1.7 Dissertation Organization.
1.1 Introduction to Health Insurance
The term health insurance is a type of insurance or facility that covers medical expenses for an individual or entire family group. A health insurance policy is a contract between insurers and an individual /group in which the insurer agrees to provide specified health insurance cover or financial assistance at a particular “premium” for over a period of time. The health insurer usually provides either direct payment to hospital (cashless facility) or reimburses the expenses associated with illnesses and injuries or disburses a fixed benefit on occurrence of an illness after providing the proof. The number of people, amount of health care costs and time of policy coverage will vary according to the health plan which the client opts for.
In countries like India where middle class occupies more than 60% of population, health insurance is essential which will give financial coverage against the medical expenses among individuals and groups due accidents or sudden illness. By estimating the overall risk of health care and health system expenses, among a targeted group, an insurer can develop ...


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...o display data depending upon requirements i.e., patients data that is required for Doctor, Patients data that is required for IC. Patient’s personal data is essential for IC except the diagnosis report from hospital to which IC will pay. In an era where consumers are increasingly concerned about the privacy of their personal information. The health privacy protections are intended to provide consumers with similar assurances that their health information, including genetic information, will be properly protected. Under the Privacy Rule, health plans, health care clearinghouses, and certain health care providers must guard against misuse of individuals’ identifiable health information and limit the sharing of such information, and consumers are afforded significant new rights to enable them to understand and control how their health information is used and disclosed.

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