SUMMER INTERNSHIP PROJECT WORK ON

“A STUDY ON AWARENESS OF HEALTH INSURANCE,

ITS PRODUCTS AND SETTLEMENT PROCESS.”

THE PROJECT SUBMITTED TO THE

UNIVERSITY OF MUMBAI
IN PARTIAL FULFILMENT OF THE
REQUIREMENT FOR THE AWARD OF
DEGREE OF
MASTER OF MANAGEMENT STUDIES (MMS)

BY
VAISHAKHI SUDESH VIRNODKAR
F-340
MMS BATCH (2021-2023)

PTVA’S INSTITUTE OF MANAGEMENT

VILE PARLE (E), MUMBAI – 400 057.
2021-2023
COMPANY CERTIFICATE
 CERTIFICATE

I, Mrs. Manali Patil hereby certify that Ms.Vaishakhi Sudesh Virnodkar,

MMS Student of PTVA'S Institute of Management, has completed a
project titled “A Study of awareness of Health Insurance, its products
and settlement process” in the Academic Year 2021-2023. The work of
the student is original and the information included in the project is true
to the best of my knowledge.

(Project Guide) (Director)

Mrs. Manali Patil Dr. Vijay Wagh
 DECLARATION

I, Ms. Vaishakhi Sudesh Virnodkar MMS Student of PTVA'S Institute of

Management, hereby declare that I have completed the project
Titled “A study on awareness of Health Insurance, its products and
settlement process” during the Academic Year
2021-2023.

The report work is original and the information / data / references

Included in the report are true to the best of my knowledge. Due
Credit is extended on the work of Literature / Data Analysis /
Secondary Research by endorsing it in the Bibliography as per the
Prescribed format.

Ms Vaishakhi Virnodkar
 ACKNOWLEDGEMENT

It is a matter of great satisfaction and pleasure to present this summer

internship report on “A study on awareness of Health Insurance, its
products and settlement process”.

Firstly, I am extremely grateful to my mentor and project guide

Mrs Manali Patil for her guidance, discussion and critical assessment of
the project.

I am also thankful to my institute PTVA'S Institute of Management for

giving me an opportunity to undergo this learning experience. PTVAIM
has given me access to Turnitin, an internet-based plagiarism detection
service which helped me check my project for similarity and deter any
occurrence of plagiarism so that I could follow all the norms set by our
institutes ‘Internal Plagiarism Policy’. I wish to acknowledge my project
guide for his valuable suggestions and support while using Turnitin and
bringing down the similarity report to desirable levels.

Finally, I take this opportunity to express my sincere gratitude to all those

who have directly or indirectly helped me in completing my project work.
TURNITIN REPORT
 TABLE OF CONTENTS

Sr.no Content Page no

1 Executive Summary 1

2 Introduction 2-4

3 Industry Overview 5-6

4 Company Profile 7

5 Literature Review 8-9

6 Objectives of study 10

7 Process of Claim Settlement 11-13

8 Research Methodology 14

9 Data Analysis and Interpretation 15-26

10 Suggestions 27

11 Limitations 28

12 Conclusion 29

13 References, Bibliography 30

14 Annexure 31-33
 EXECUTIVE SUMMARY

This study will discuss about the Health Insurance, its benefits and process of claim
settlement. Health Insurance is very important in today’s world especially after Covid
19 Pandemic. Awareness regarding Health Insurance in the people at a greater pace
will make it as an emerging sector in Insurance market.

Heath Insurance covers medical expenses, critical illness and provide Cash less
facility. The process of claim settlements are Cashless and Reimbursement. Cash less
treatment is for Planned / Emergency Hospitalization. Reimbursement treatment is for
normal purpose.

People are still not aware much about the Health Insurance and its benefits. Proper
advertisements and campaigns should be undertaken by Government just like Life and
General Insurance. As after pandemic, Health Insurance policy should be made by
each and every one.

1
 INTRODUCTION

What is Insurance?
Insurance is a means of protecting from financial loss. Insurance is a legal agreement
between two parties- the insurer and the insured, also known as insurance coverage or
insurance policy. The insurer provides financial coverage for the losses of the insured
the he /she may bear under certain circumstances.

What is Health Insurance?

Heath Insurance is a type of Insurance that covers medical expenses that arises due to
disorder or disease. These expenses could be related to hospitalization costs, cost of
medicines or doctor consultation fees.

How it works?
Health Insurance plan is a contract between an Insurer and the policy holder. Premium
is paid by the policy holders to the insurance company, in return insurer pays for
medical expenses.

Role of an agent.
An agent is called PoSP I.e. Point of Sales Person. PoSP has the authority to sell
insurance policies on behalf of the company. A person should have cleared the exam
conducted by IRDA and should have attended house training for 15 hours by the
company.

Benefits of Health Insurance.

i. It covers medical expenses without any strain on your finances.
ii. It covers critical illness I.e. life threatening diseases like kidney failure, bone
narrow transplant, stroke etc.
iii. Cashless claim facility.
iv. It offers additional protection over and above your employer cover through
Group Insurance Plan.
v. Tax benefits under sec 80D of Income Tax Act, 1961.

2
 LIST OF PRODUCTS OF STAR HEALTH INSURANCE

 Star Women care Insurance policy.

 Star Comprehensive Insurance Policy.

 Senior Citizen Red Carpet Health Insurance Policy.

 Family Health Optima Insurance Policy.

 Star Health Premium Insurance Policy.

 Super Surplus Insurance Policy.

 Super Surplus Insurance Policy.

 Medi Classic Insurance Policy.

 Star health Gain Insurance Policy.

 Star Criticare Plus Insurance Policy.

 Star Micro Rural and Farmer Care.

 Star Hospital Cash Insurance Policy.

 Star Care out Insurance Policy.

 Young Star Insurance Policy.

 Arogya Sanjeevani Policy.

3
 Star Health Assure Insurance Policy.

 Star Extra protect Add on Care.

SCOPE OF STUDY
The scope of study is to do the survey and to find the awareness of Health Insurance
Policies in Star Health and Claim settlement process of the policies.

PURPOSE OF THE STUDY

The purpose of the study is to describe the policies and the settlement process.

4
 INDUSTRY OVERVIEW

1818 saw the advent of life insurance business in India with the establishment
of the Oriental Life Insurance Company in Calcutta. 1870 saw the enactment of the
British Insurance Act. The Indian Life Assurance Companies Act, 1912 was the first
statutory measure to regulate life business.

The Indian Insurance Sector is divided in two categories:

A) Life Insurance.
B) Non-Life Insurance I.e. General Insurance.
IRDA (Insurance Regulatory and Development Authority of India) governs both Life
and General Insurance.
The insurance industry of India has 57 companies, of which 24 are Life Insurance
Companies while remaining 34 companies are Non-life insurance.
Health insurance expenditure in India is roughly 6% of GDP, much higher than most
other developed countries. There has been an almost total failure of the public health
care system in India. This creates an opportunity for the new insurance companies to
sell health insurance to a vast number of families
The life insurance business has accounted for less than 2%\r of the insurance premium
of the LIC (Mitra and Nayak, 2001). Term life - where the insurance company pays a
predetermined amount if the policyholder dies within a given time but it pays nothing
if he or she does not - accounts for more.

5
GROWTH

India allowed private companies in insurance sector in 2000, setting a limit on FDI to
26%, which was increased to 49% in 2014. IRDAI states – Insurance Laws
(Amendment Act, 2015) provides for enhancement of the Foreign Investment Cap in
an Indian Insurance Company.

LIC continues to dominate the Insurance sector in India, but the introduction of new
private insurers will see a vibrant expansion and growth of both life and non-life
sectors. The government also strives hard to provide insurance to individuals in a

below poverty line by introducing schemes like the PMJAY and PMSSBY.

6
 COMPANY PROFILE

Star Health and Allied Insurance Company Ltd is an Indian multinational health
insurance company. The company provides services in health, personal accident and
overseas travel insurance directly as well as through various channels like agents,
brokers and online. Star Health is also prominently into bancassurance having long
standing relationships with bank.

Industries
Financial services.

Company size
12800 plus Employees & 640+ branches all over India.

Headquarters
Tamil Nadu, Chennai.

Market Share
16%.

Type
Public Company.

LinkedIn Profile Link:

https://in.linkedin.com/company/star-health-and-allied-insurance-co--ltd

7
 LITERATURE REVIEW

Sonal Kala, (2015), had undertaken research on “Awareness of Heath Insurance

among people with special reference to Rajasthan”. This study's findings suggest that
respondents are aware of health insurance but have chosen not to purchase it or Medi
claim plans. In order to obtain health insurance, people more frequently rely on public
general insurance firms than on private general insurance businesses and insurance
programme. Respondents had limited knowledge of health insurance policies. Health
insurance firms are not transparent, according to their terms and conditions. In India,
health insurance is still more widespread but is supposed to be simple to grasp and
accessible.

Indumathi K, Hajira Saba, (2016) had undertaken research on “Awareness of

Health Insurance in rural population of Bangalore, India”. The study’s findings
explains us that health insurance awareness was influenced by education and
socioeconomic level. Despite the fact that this study demonstrates a rise in the
prevalence of health insurance awareness, there is still a grave need to raise people's
awareness of how health insurance works in rural areas. In order to educate people
about the importance of having health insurance and how to pay for increased medical
costs due to unforeseen injuries and illnesses, effective IEC initiatives must be
launched.

Dr. Bina Joy, (2018), had undertaken research on “Claim Settlement Mechanism of
Health Insurers in India - A critical analysis”. This study explains us that the claim
management performance of the Indian health insurance industry is still below par,
and profitability is rapidly declining. Over the years, there hasn't been much of a
change or improvement in the percentage of claims that insurers resolve. Unjustified
TPA pay out delays have made for a frustrating experience for the customer and
damaged the industry's reputation.

8
Dr. A. Arangasami, (2019) had undertaken research on “A study on customer
awareness towards Health Insurance with special reference to Chennai city”. The
study states that the Indian health insurance market is expanding quickly, and with it,
so are the problems and difficulties related to fostering systemic synergy. The only
viable option for financing health-care in a nation like India is through a health
insurance mechanism due to rising health care costs, an increase in disposable income,
and significant out-of-pocket expenses.

Dr. Pranam Dhar, Gautama Sharma, (2019) had undertaken research on “Claim
Settlement Mechanism and Indian Health Insurance sector - A critical insight”
This study explains us that the resolution of claims makes or breaks the contract
between the insured and the insurer. When enrolling customers in their policies, the
insurer should do due diligence, and claims should be quickly resolved. Unjustified
TPA pay out delays have made for a frustrating experience for the customer and
damaged the industry's reputation.

Girish Tarachand Bhavnani, Sambhaji Jadhav, (2019) had undertaken research on

“A study on awareness of Health Insurance among people with special reference to
Ulhasnagar (Thane)”. The study’s findings suggest that while respondents were
aware of medical insurance, they chose not to use either mediclaim or health
insurance. People depend on private general insurance companies. The terms and
conditions of medical coverage arrangements, as stated by health insurance firms,
were largely unknown to the respondents. Health insurance is thought to be more
widespread in India.

9
 OBJECTIVES OF THE STUDY

 To study about the awareness of Health Insurance products mainly in Star Health
Insurance Company.
 To understand the importance of Health Insurance in India.
 To understand the benefits of Health Insurance products in India.
 To find the awareness about benefits of Health Insurance plans.
 To study how claims are processed and settlements are done.

10
 PROCESS OF CLAIM SETTLEMENTS

Claim scenarios happen with cashless treatment as well as reimbursement cases.

a. CASH LESS TREATMENT.
Network hospitals are the ones wherein cashless treatment can be availed under a
health insurance plan. The bills generated in such cases are sent across to Star and the
policyholder or the claimant doesn't need to pay anything.
Procedure to file a claim under Cashless treatment. (Planned / Emergency
hospitalization).
1. A membership card must be brought with you or a policy number and member ID
must be provided to the network hospital.

2. Contact 1800 425 2255/1800 102 4477 for an emergency or expected admission
and fax the pre-authorization form to 1800 425 5522.

3. One will have to provide personal information and policy ID or member ID to the
hospital insurance office and complete a pre-authorization form in the client
section.

4. After the hospital completes the balance details, a pre-authorization form will be
faxed to Star.
5. In case of planned hospitalization, the insurer should be informed 24 hours before
being admitted to the hospital.
6. In case of emergency hospitalization, the insurer should be informed within 24
hours of being hospitalized.
7. Star's internal medical team will review records and documents received and
notify guardians and hospitals if approved, pending or denied.
8. In case of pending approval cases, Star will contact the hospital to furnish more
details and in cases of rejection, a claim reimbursement process needs to be
followed.

Claim Process for Cash less treatment.

1. Post the filling up of the pre-authorization form, the requisite details will be
verified by the hospital and the TPA.

11
2. A field doctor will be assigned to the policyholder to aid in the hospitalisation
procedure
3. After submitting the pre-authorization form, all communications will be handled
by Star regarding settlement of the bill.
4. If certain costs are not covered or are beyond the scope of the policy, they will be
communicated to the patient before or after discharge.

b. REIMBURSEMENT OF TREATMENT EXPENSES:

Treatments performed at hospitals outside of the Star Health Insurance network and
treatments that have not been approved for the cashless method may elect to be
reimbursed. The following procedure should be followed in such cases.
Procedure to File a Claim: The details required during this procedure will be the
following -

. Policyholder's name
. Claimant's name and customer ID
. Details of the hospital
. Details of diagnosis and treatment
. An approximation of the claim amount
. Date of admission

Collection of all related documents from the hospital to be done.

Documents Required:

The claim form can be downloaded from Star's website and along with the filled up
form, the following documents need to be provided -

. The original copy of the claim form, fully filled and duly signed
. Government approved valid photo ID proof
. Referral letter from medical practitioner advising hospitalization
. Letter from medical practitioner detailing the list of tests, medications and
consultations if any

12
 . Original copies of bills, receipts and discharge card from the hospital or the
medical practitioner.
. Original copies of tests and reports done along with payment receipts
. Indoor case papers.
. If applicable, the First Information Report and the Final Police Report
. Original copy of the post mortem report, if conducted.

The above list of documents are the bare minimum necessities. Star Health might
require additional documentation as and when needed.

Claims Process for Reimbursement Cases:

Once Star receives the complete claim form along with relevant documents, the claim
process will begin and the following will happen:

1. Star's internal medical team reviews the case and documents received at the nearest
Star Health office.
2. The application, if approved, will result in the processing of the refund and the
process to be completed within a period of one week and fortnight days. A similar
notice will be sent to the applicant.
3. In case the request has incomplete information, the same will be intimated to the
claimant and requisite details will be requested to ensure claim resolution at the
earliest.

13
 RESEARCH METHODOLOGY

 Research Methodology:
The methodology followed for conducting the study includes the specification of
research design, questionnaire design and data collection.
 Approach:
The nature of data collected is quantitative.
 Population:
The population of my research is people from different genders, various age groups,
different level of education, occupation etc.
 Sample Size:
Sample size is 75.
 Sample Area:
The population is selected from Mumbai and Pune only.
 Data Collection
The data collected for the study consists of both primary and secondary data.
 Primary Data:
In this study, primary data was collected through questionnaire with a sample size of
75 respondents. The research has used a questionnaire consisting of multiple- choice
based questions.
 Secondary Data:
Secondary data for this study was collected from: Previously published records,
research reports, articles and various verified internet sources.

14
 DATA ANAYLSIS AND INTERPRETATION

Data analysis and interpretation of the study conducted with the help of a
questionnaire is shown along with the interpretation respectively.

1. Age

It can be observed that out of 75 respondents which is 40 respondents (53.3%) were

from the age group of 25-30 years, whereas 24 (32%) respondents were from 30-45
age group and remaining 11(14.7%) respondents were from 45 & above.

Parameters No of respondents Percentage

25-30 40 53.3%
30-45 24 32%
45 & above 11 14.7%
Total 75 100%

15
2. Gender

It can be observed from the study that the majority of the respondents belong to an
female gender group which is 49 respondents (65.3%), followed by male gender
group comprising of 26 respondents which accounts for (34.7%). In this way, the
study attempts to cover a broad and diverse view of the data and provide a
comprehensive analysis of it.

Parameters No of respondents Percentage

Male 49 65.3%
Female 26 34.7%
Total 75 100%

16
3. Education.

It is observed that out of 75 respondents 56 respondents (74.7%) have done

Masters,11 respondents (14.7%) have done Bachelors and 8 respondents (10.7%)
have done PhD. The majority is from Master’s degree from the respondents.

Parameters No of respondents Percentage

Bachelors 11 14.7%
Masters 56 74.7%
PhD 8 10.7%
Total 75 100%

17
4. Occupation.

It is observed that out of 75 respondents, 47 respondents (62.7%) are students, 14

respondents (18.7%) are Home maker, 6 respondents (8%) are from Service, 5
respondents (6.7%) are Professional and 3 respondents (4%) are retired. The majority
are students.

Parameters No of respondents Percentage

Professional 5 6.7%
Service 6 8%
Student 47 62.7%
Home maker 14 18.7%
Retired 3 4%
Total 75 100%

18
5. Health Insurance is an emerging sector in Insurance Industry.

It is observed that out of 75 respondents, 36 respondents (48%) prefer neutral, 14

(18.7%) respondents prefer Agree, 12 respondents (16%) prefer Strongly agree, 7
respondents (9.3%) prefer Strongly disagree and 6 respondents (8% ) prefer Disagree
on the above statement. The majority prefer to say neutral.

Parameters No of respondents Percentage

Strongly Agree 12 16%
Agree 14 18.7%
Neutral 36 48%
Disagree 6 8%
Strongly Disagree 7 9.3%
Total 75 100%

19
6. People are still not aware about Health Insurance in India.

It is observed that out of 75 respondents, 36 respondents (48%) prefer to say

neutral,14 respondents (18.7%) prefer Agree, 12 respondents (16%) prefer Strongly
agree, 6 respondents (8%) prefer Strongly disagree and 7 respondents (9.3% ) prefer
Disagree on the above statement. The majority of respondents prefer Neutral.

Parameters No of respondents Percentage

Strongly Agree 12 16%
Agree 14 18.7%
Neutral 36 48%
Disagree 7 9.3%
Strongly Disagree 6 8%
Total 75 100%

20
7. Health Insurance provide cash less claim facility.

It is observed that out of 75 respondents, 29 respondents (38.7) prefer neutral, 21

respondents (28%) prefer Agree, 11 respondents (14.7%) prefer Strongly agree, 5
respondents (6.7%) prefer Strongly disagree and 9 respondents (12% ) prefer Disagree
on the above statement. The majority of respondents prefer Neutral.

Parameters No of respondents Percentage

Strongly Agree 12 16%
Agree 14 18.7%
Neutral 36 48%
Disagree 7 9.3%
Strongly Disagree 6 8%
Total 75 100%

21
8. Health Insurance is beneficial post pandemic.

It is observed that out of 75 respondents, 27 respondents (36%) prefer to say neutral,

25 respondents (33.3%) prefer to say Agree, 11 respondents (14.7%) prefer to say
Strongly agree, 5 respondents (6.7%) prefer Strongly disagree and 7 respondents
(9.3% ) prefer Disagree on the above statement. The majority of respondents prefer to
say Neutral.

Parameters No of respondents Percentage

Strongly Agree 11 14.7%
Agree 25 33.33%
Neutral 27 36%
Disagree 7 9.3%
Strongly Disagree 5 6.7%
Total 75 100%

22
 9. Health Insurance ensures the undergoing long term treatment does not throw
a family into a dire financial straits.

It is observed that out of 75 respondents, 24 respondents (32%) prefer neutral, 21

respondents (28%) prefer Agree, 13 respondents (17.3%) prefer Strongly agree, 8
respondents (10.7%) prefer Strongly disagree and 9 respondents (12% ) prefer
Disagree on the above statement. The majority of respondents prefer Neutral.

Parameters No of respondents Percentage

Strongly Agree 13 17.3%
Agree 21 28%
Neutral 24 32%
Disagree 9 12%
Strongly Disagree 8 10.7%
Total 75 100%

23
 10. Are you aware of how the claims are processed and settlement is done in
Health Insurance?

It is observed that out of 75 respondents, 19 respondents (25.3%) say Yes they are
aware of the process, 32 respondents (42.7%) say No i.e. they are not aware and 24
(32%) people say May be they are.

Parameters No of respondents Percentage

Yes 19 25.3%
No 32 42.7%
May be 24 32%
Total 75 100%

24
 11. Are you aware about the tax benefit under Sec 80D of Income Tax Act 1961?

It is observed that out of 75 respondents, 49 respondents (65.3%) prefer Yes they are
aware of the benefits , 26 respondents (34.7%) respondents prefer No i.e. they are not
aware of the benefits. Maximum are aware of the tax benefit under sec 80D of Income
Tax Act 1961.

Parameters No of respondents Percentage

Yes 49 65.3%
No 26 34.7%
Total 75 100%

25
12. Heath Insurance or Life Insurance?

It is observed that out of 75 respondents, 54 respondents (72%) prefer Health

Insurance and 21 respondents (28%) people prefer Life Insurance. It is analysed that
now people prefer Health Insurance over Life Insurance.

Parameters No of respondents Percentage

Health Insurance 54 7 2%
Life Insurance 21 28%
Total 75 100%

26
 SUGGESTIONS

As per my analysis, Health Insurance is still an emerging sector and because of

pandemic it came into light. There are many benefits of Health Insurance like cash
less claim facility and deduction under Sec 80D etc. People are still not aware of this
benefits. Once they are aware about this people will prefer Health Insurance more.
The process of claim settlement should be known to the people as they are not aware
about the process. The public must be educated through intensive campaign, similar to
Life and general insurance.

27
 LIMITATIONS

There may be some possible limitations in this study.

1. The sample taken for the purpose of study comprises only Mumbai and Pune city.

2. Some respondents were not ready to give their opinion about the survey because
of privacy.

3. Opinion may be biased.

4. Has a broad scope of study.

28
 CONCLUSION

The Indian health insurance market is expanding quickly, and with it, so are the
problems and difficulties related to fostering systemic synergy. Given the rising cost
of health care, increased disposable income, and high out-of-pocket expenses for
paying for health care, in a nation like India, the only viable method of financing
health care is through a health insurance system.

People are not aware of the claim settlement process. If the process is made
understood to the people, they will prefer Health Insurance more. As per the research
today people prefer Health Insurance over Life Insurance. The products of Health
Insurance should be advertised more as people will get aware of it and will buy it. It is
also seen that people are know to the benefits of Health Insurance. The cash less claim
facility is the most benefited one.

It is also observed that some people are still not aware about Health Insurance and its
products. Due to pandemic, it emerged as fastest booming sector. Therefore, Health
Insurance is growing at a faster pace.

29
 REFERENCE
1. Sonal Kala, Dr. Premila Jain, “Awareness of Health Insurance among people with
special reference to Rajasthan.”, International Journal of Business Quantitative
Economics and applied Management Research, Vol-1, Issue 12, 2015, pp. 21-31.
2. Indumathi K, Hajira Saba, Arun Gopi and Mangala Subramanian , “Awareness of
Health Insurance in rural population of Bangalore, India.”, International Journal
of Medical Science and Public Health, Vol-5, Issue 10,2016, pp.2162-2167.
3. Dr. Bino Joy, “Claim Settlement Mechanism of Health Insurers in India : A
critical analysis.”, International Journal of Research in Social Science, Vol-8,
Issue 4, 2018, pp.988-997
4. Dr. A.Arangasami, Mr. J. Nandakumar,”A study on customer awareness towards
Health Insurance with special reference to Chennai city.”, Infokara Research,
Vol-8, Issue 10, 2019, pp.530-539.
5. Dr. Pranam Dhar, Goutam Sharma,”Claim Settlement Mechanism and Indian
Health Insurance sector : A critical insight.”, Research Explorer, Vol-VII, Issue
23, 2019, pp.50-54.
6. Girish Tarachand Bhavnani and Dr. Sambhaji S. Jadhav,”A study on awareness
of Health Insurance among people with special reference to Ulhasnagar
(Thane).”,Think India Journal, Vol-22, Issue 40, 2019, pp.221-225.

BIBLIOGRAPHY
https://www.insurancedekho.com/health-insurance/articles/10-benefits-of-buying-
Health-insurance-in-2021-1218
https://www.learntechlib.org/p/176727/
https://www.emerald.com/insight/content/doi/10.1108/XJM-07-2020-
0021/full/html#sec001
https://www.bankbazaar.com/insurance/star-health-insurance/claims-procedure.html

30
 ANNEXURE
Following are the questions used for the research

1. Age *

25-30

30-45

45 & above

2. Gender *

Female
Male

3. Education *

Bachelor’s degree
Master’s degree
PhD

4. Occupation *

Professional
Service Student
Home maker
Retired

5. Health Insurance is an emerging sector in Insurance Industry. *

Strongly Agree
Agree
Neutral
Disagree
Strongly Disagree
6. People are still not aware about Health Insurance in India. *

Strongly Agree
Agree
Neutral
Disagree
Strongly disagree

7. Health Insurance provide cash less claim facility. *

Strongly Agree
Agree
Neutral
Disagree
Strongly Disagree

8. Health Insurance is beneficial post pandemic. *

Strongly agree
Agree
Neutral
Disagree
Strongly disagree

9. Health Insurance ensures that undergoing long term treatment does not throw *
A family into dire financial straits.

Strongly agree
Agree
Neutral
Disagree
Strongly disagree
10. Are you aware of how the claims are processed and settlement is done in *
Health insurance?

Yes

No
Maybe

11. Are you aware about the tax benefit under Sec 80D of Income Tax Act *
1961?

Yes
No

12. Health Insurance or Life Insurance? *

Health insurance
Life insurance