Executive of Summary:-
Health insurance is one of the major contributors of growth of general insurance industry in
India. Its alone, accounts for around 29% of total general insurance premium income. learned in
India. The growth of this sector is important from the perspective of overall growth of general
insurance. Industry
The paper provides an understanding on "Claim Management in Health Insurance. This study
attempts to find out how much claims & commission & management expenses are managed in
Health insurance
The Summer Internship was done in NivaBupa Health Insurance Company Limited. The
Summer Intern Report. is about the Claim Management in health insurance.. The main aim of the
project is to study how insurance claims works. This study helps to find out the different
insurance system & how company claims are managed. With the advent of Medical practice
management soft ware also known as health information Systems it has become possible to
efficiently manage large amounts of claims.
Health insurance Claim management is a critical process that involves the submission,
processing, & settlement of claims filed by policy holders seeking reimbursement for medical
expenses. Efficient claim management is essential for ensuring customer. satisfaction, reducing
fraud, & maintaining the financial stability of health insurance companies
Data Collection:-
Researchers have used both primary as well as secondary data collection methods for analysing
the impact browse ofr youki kyssacada Claim management in Health Insurance.
The online way of Google Form was selected as medium to record responses. This led us to
quickly gain insights for the data preparation & filtering process.
• Data Analysis:-
The tool used for the analysis is percentage analysis. The tool for data analysis are pie charts.
Interpretation:-
The primary data is collected from a total of 66 Respondents. →47% of the respondents are
Female 53% of the respondents are Male
Interpretation:
Out of 66 respondents, 83.3% of respondent care about having a health insurance policy. Rest
16.7% of respondent do not care much about howing a health insurance policy
Interpretation:- 65 Out of rep
72.3% respondent coca utilize. health insurance scheme, while remaining 27.7% do not se any
health insurance, scheme.
Interpretation
Out of 65, 15.4% of respondents were influenced by Insurance officials to get an insurance
policy, 18.5% of respondents got influenced by other reasons, Majority 66.2% of respondent
were influenced by their Family members, friends & fallen Colleagues to get an health insurance
policy.
Interpretation:- response
Out of 64 respondents 43.8% of respondent's prefer Public Company for for taking taking
insurance, Majority 56.3% of respondents prefer Private Company over Public Company
.
Interpretation
Out of 65 respondents, 58.5% of respondents know about Niva Bupa Health Insurance Company
Limited, gest 41.5% don't know about the company.
Interpretations
Out of 64 responses, 31.3% • of suspondents have Individual Health Insurance Policy, 53.1% of
respondent have Health Insurance Policy with Whole Family, 10.9% of respondents have"
Health Insurance Policy for Father/ Mother", & rest of respondents have Health Insurance Policy
for their Spouse"
Interpretation:-
Out of 61 responses, 27.9% of respondents have upto 15 years of average term of policies, licies,
Majority 72.1% of respondents have upto 20 years of average form of policies
Interpretation:
Out of 63 responses, 50.8% of respondents have not utiliz their health ins wrance benefits in past
year, Rest 49.2% of respondents have utilized their Health insurance benefits in past year
.
Interpretation:-
Out of 64 responses, only 18.8% of respondents are Not satisfied with the coverage offered by
their Health insurance scheme, Rest 81.3% are fully satisfied with the coverage of their health
insurance scheme.
Interpretation:-
Out of 63 responses, 19% • of respondents are not happy with the process of claiming, rest 81%
lok with the process of Clainoing benefits & finds are I health insurance it efficient
Interpretation -
Out of 63 responses, 23.8% of respondents have rated their health insurance claiming process as
Excellent, 46% of respondents have rated their health insurance claiming process as Good, 23-
8% of respondents have rated their health insurance claiming process as Very Good, The
remaining respondents feel their claiming process is Neither Good or Bad.
Interpretation
Out of 63 responses, 27% of respondents find it Very Easy to file a claim with their Health
Insurance Company, 50.8% of respondents find it Somewhat Easy to file aclaim, 14.3% of
respondents find it Neither Easy or Difficult to file la claim with their company, Rest of the
respondents finds it Somewhat difficult to file a claim with their Health Insurance Company.
Interpretation Out of
63 responses, 19% • of respondent, • file claims Over the Phone with their Health Insurance
Company, Majority 46% of respondents file claims Online, 20.6% of respondents. file claim In
person (connecting through insurance official), 14.3% of respondents file their claims by other
methods with their health insurance company
Interpretation
Out of 63 responses, 19% of respondents have rated the loutcome of their claim as Excellent,
54% of respondents think the outcome of their claim is Good, 15.9% of respondent feels their
outcome of claim is Very Good, Rest 11.1% of respondents think that their outcome of claim is
Neither Good or Bad
Interpretation:
Out of 64 responses, 71.9% of respondents will Suggest NivaBupa Health Insurance Company
Limited to anyone, Rest 28.1% will not suggest
Interpretation:-
Out of 36 responses, One respondent suggested we must have more cashless facilities in health
insurance policies.
One respondent suggested about reimbursement should be like more convenient in terms of
settlement & fast processing - One respondent is Deputy Manager in New India Assurance
Co. Ltd, the respondent suggested that the claim department is generally handled by third party
administrator & the personals recovered in there. TPA should be qualified I should have
knowledge about Health Insurance & its terminology.
