7.

0 HEALTH INSURANCE

7.1 Introduction
This course unit is intended to equip the trainee with knowledge, skills and attitudes
that will enable him/her to sell health insurance products.

7.2 General Objectives

At the end the course unit, the trainee should be able to:
a) apply the appropriate techniques in selling health insurance products
b) recognise the role of service providers
c) classify health insurance needs
d) guide on health care financing models
e) apply the legal principles in the conduct of health insurance business
f) comply with the relevant legislation pertaining to health insurance

7.3 Course Unit Summary and Time Allocation

Code Topics Content Time

(Hours)
7.01 Nature of Health  Meaning of health insurance 4
Insurance  Historical development of health
insurance practice
 Features of health insurance
 Types of health insurance products
 Benefits of health insurance
7.02 Health Insurance Market  Nature of health insurance markets 6
 Players in health insurance business
market
 Nature of competition in health insurance
 Sales cycle in health insurance
7.03 Health Insurance  Comprehensive policies in health 14
insurance

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Code Topics Content Time
(Hours)
Products  Budget policies in health insurance
 Mid range policies in health insurance
 Hospital bands
 Private Medical Insurance (PMI) products
 Group/Private Medical Insurance(PMI)
products
 Complementary policies in health
insurance
7.04 Administration of Health  Health insurance quotation process 12
Insurance  Underwriting process in health insurance
 Health insurance policy
 Policy servicing process in health
insurance
 Claims handling procedures in health
insurance
 Customer service
7.05 Marketing of Health  Marketing mix (8Ps) 10
Insurance  Distribution channels
 Target market groups
 Market segmentation
 Market positioning
7.06 Relevant Legislations in  Relevant sections of Insurance Act to 12
Health Insurance health insurance

7.07 Social Insurance  The nature of social insurance 10

 Role of social insurance
 Health insurance scheme
7.08 Emerging  Emerging issues and trends 2
Issues and Trends  Challenges posed by emerging issues and
trends
 Ways of coping with challenges posed by
emerging issues and trends
Total 70

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