Individual health coverage and contracts

Individual health coverage and contracts

Bachelor of Business Studies (BBS) — Fourth Year

Subject: Insurance and Risk Management (FIN 254)

Unit 5: Health Insurance

Academic Year: 2083/84

Topic Objectives

After studying this topic, students should be able to:

• Explain the scope and key elements of individual health coverage and contracts.
• Apply the relevant financial concepts or calculations and explain their assumptions, risks and analytical limits.

Curriculum Scope

• Health care insurance: Meaning, importance and types
• Individual health care insurance coverage
• Individual medical expense contractual provisions
• Shopping for individual health insurance

Detailed Microsyllabus

1. Individual health cover

   1. Meaning, importance and types.
   2. Coverage and medical-expense provisions.
   3. Read the supplied contract.

2. Comparison

   1. Benefits, exclusions, limits and costs.
   2. Assess policy suitability in an academic case.
   3. Do not infer treatment entitlement from a general policy label.

---

Curriculum reference: Tribhuvan University, Faculty of Management, revised four-year BBS curriculum, PDF pages 92–96.

Source note: The curriculum scope above is retained from the existing TU syllabus breakdown. The numbered study subtopics are editorial elaborations for teaching and study, rather than a separately issued TU syllabus. Unit or component allocations apply at their stated level; no separate topic hours or marks are assigned here. Examples involving current laws, rates, institutional products or Nepalese status must identify the relevant period and official materials; no changing numerical or legal requirements are invented here.