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Classified Insurance

Insurance companies often underwrite policies for a variety of different risk classes. In the case of life insurance, for example, the insurer may provide coverage to healthy individuals, considering this group a low risk because they are less likely to die - an event which results in a claim being made against the policy. As a result, the insurer is more likely to offer the policy to healthy individuals at a lower premium. On the other end of the risk spectrum, the insurer may provide coverage to less healthy individuals but charge a higher premium. Classified insurance is provided to individuals with substandard risk profiles, meaning that the policyholder is more likely to be involved in an event that could result in a claim being filed. In order to protect itself from known medical conditions, such as heart disease, the insurer may deny coverage. This exclusion is stated in the insurance contract. Alternatively, the insurer may provide reduced benefits for the condition. In gen...
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Healthcare in India

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India 's constitution guarantees free healthcare for all its citizens. [1]  All government hospitals are required to provide free of cost healthcare facilities to the patients. [1]  Each district headquarters in most states have one or more Government hospitals where everything from diagnosis to medicine is given for free. Most experts agree that building on these Government and public healthcare units across the nation is crucial to India's future while private insurance is probably not conducive to India's conditions. [2]  The private healthcare sector is responsible for the majority of  healthcare in India . Most healthcare expenses are paid out of pocket by patients and their families, rather than through insurance. [3]  In fact, recent world health statistics have indicated that India has the highest out of pocket private healthcare costs for families, among many other comparable developing nations including Pakistan, Sri Lanka, and Mexico. [3]  Penet...
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Health care

Health care  or  healthcare  is the maintenance or improvement of  health via the  prevention ,  diagnosis , and  treatment  of  disease ,  illness ,  injury , and other  physical and mental impairments  in human beings. Healthcare is delivered by  health professionals  (providers or practitioners) in  allied health fields .  Physicians  and physician associates are a part of these health professionals.  Dentistry ,  midwifery ,  nursing ,  medicine ,  optometry ,  audiology ,  pharmacy ,  psychology , and other  health professions  are all part of healthcare. It includes work done in providing  primary care ,  secondary care , and  tertiary care , as well as in  public health . Access to health care may vary across countries, communities, and individuals, largely influenced by social and economic conditions as well as the...
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