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  • How Much Health Insurance Cover Do I Need?

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    Cashless Treatment

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    Health Insurance is a saviour when you or your immediate family face any medical issues and need financial backup. It helps to save money on various expenses incurred from hospitalization and other Out Patient Department (OPD) expenses. However, there are various things that you should keep in mind before purchasing a health insurance cover. In order to evaluate how much health insurance cover an individual needs, the following factors should be taken into account:

    Factors to be Considered while Deciding Health Insurance Cover for you:

    • Premium Payment - Ability to pay premium is an important factor while deciding the extent of health insurance cover that you will need. When you choose a higher sum assured and more benefits, the premium will also increase. Individuals should assess their ability to pay the premium and then choose the type of health insurance policy they need. The health insurance policyholder can avail a limited cover at an affordable premium and increase the extent of cover at a later stage.
    • Annual Income Percentage - Annual income is directly proportionate to the health insurance cover. The annual income of the proposer is considered by insurance providers, in the process of determining the maximum health insurance cover he/she is eligible for.
    • Family History - Family history is another factor that affects your health insurance cover. The insurer will look at the history of health problems and diseases contracted by your family members in order to evaluate the risk of the insured contracting the same. Individuals falling under the high-risk category should get a comprehensive health insurance policy.
    • Age of the Insured - Another important factor that will affect your health insurance coverage is your age. Individuals who have bought health insurance policies while young, can avail a discount on premium. However, individuals over 45 years of age would have to pay more premium for health insurance coverage since the health risks involved are higher.
    • Type of Hospital - The health insurance cover is also affected by the grade of hospital where you choose to be hospitalized. Based on the grade of the hospital, different rates are charged for the same treatment. Thus, the amount of health insurance cover that is needed has to be determined by calculating the expenses that might be incurred from the hospital of your choice.

    Health Insurance Cover Based on Requirements:

    • Supplement to Health Insurance Cover offered by Employer - Most companies offer health insurance over to its employees. However, this will be in effect only until the last date of employment with the company. Since it is risky to depend only on the health insurance cover offered by your company, you also have to take an alternative health insurance policy for yourself and/or your family. This would help in the face of any unforeseen event such as a layoff, unemployment, job change, etc. which will cause the health insurance policy offered by the employer to cease. Availing a health insurance policy in addition to employer health insurance would help you to be prepared for any medical emergencies.
    • Tax Benefit - If you are availing a health insurance policy mainly for the purpose of availing tax benefits, then you need not take a comprehensive health insurance cover. You can evaluate the amount of tax deduction you wish to avail through the policy and then purchase one that meets this requirement.

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

    How Much Health Insurance Cover Do I Need? Reviews

  • Page 1 of 23 1 2 3 4 5
    • Chola Ms Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Cholamandalam health insurance from last 2 years, i am happy with the coverage value of this insurance policy. I am not aware of the premium amount as my company pays it. It is a family coverage and they cover up to Rs 5 lacs for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 08, 2018
    • Religare Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken health insurance , am satisfied with the premium amount which am making . I am getting benefits of Cashless hospitalization and pre disease cover . Even they listed the network of hospital . Their customer representative explained the policy . Overall am satisfied with this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 05, 2018
    • Oriental Insurance Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      From Oriental health insurance i have taken health insurance , am satisfied with the premium amount which am making . I am getting benefits of Cashless hospitalization and pre disease cover . Even they listed the network of hospitals . Their customer representative explained the policy . Overall am satisfied with this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 04, 2018
    • Religare Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      From Religare health insurance i have taken health insurance , am satisfied with the premium amount which am making . I am getting benefits of Cashless hospitalization and pre disease cover . Even they listed the network of hospitals . Their customer representative explained the policy . Overall am satisfied with this policy.
      Was this review helpful? 1
      , new delhi
      Reviewed on Aug 22, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with ICICI Lombard from last 2 months, i am happy with the coverage value of this insurance policy and they cover up to Rs 4 lakhs. I have no claim experience so far with this insurance policy and i pay a premium of Rs 10000 for this insurance policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Aug 17, 2018
    • Bajaj Allianz Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with Bajaj Allianz from last 2 years, i am happy with the coverage value of this insurance policy. They cover up to Rs 5 lakhs for this insurance. My claim experience was good and they covered 40% of the billed amount and it was a cashless treatment.
      Was this review helpful? 1
      , pune
      Reviewed on Aug 09, 2018
    • New India Health Insurance
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      My health insurance is with New India. The customer services and response is good and there are no hassles and they provide 93% of the claim. I have taken a family floater, there is a coverage of five lakhs and I also have a top up cover of 15 lakhs.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 04, 2018
    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with Star health from last 3.5 years, i am happy with the coverage value of this insurance policy. I am not aware of the premium amount as my company pays it. My claim experience was good and they covered 100%. It was e-cashless treatment and it can cover up to Rs 12 lakhs.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jul 31, 2018
    • review Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I had taken this loan almost long time back and the experience with them had been good. There has not been good cashless treatment facilities with the insurance policy but i have not used it so far. The insurance policy cover most of the hospitals with the hospitals in my locality. There ahs not been any claims made so far.
      Was this review helpful? 1
      , noida
      Reviewed on Jul 29, 2018
    • review Health Insurance
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I took health insurance from Iffco tokio health insurance . I have choose this insurance mainly because of convincing premium amount . I have closed this insurance as they told it cover pre disease coverage . During claim process , there is no proper response from the customer service and response .
      Was this review helpful? 0
      , vadodara
      Reviewed on Jul 17, 2018
    • HDFC Ergo Health Insurance
      "Needs to improve"
      0.5 2.0/5 "Expected more"
      I have my health insured with HDFC ERGO from last 3 months, i have a family coverage of Rs 8 lakhs for this insurance. I pay a premium of Rs 14500 for this insurance policy. I am not happy with the coverage value as they do not cover pregnancy services in this insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on May 31, 2018
    • Reliance General Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance with Reliance general from last 2 years, i am happy with the coverage value of this insurance policy as they cover up to Rs 6 lakhs for this insurance policy. I pay a premium of Rs 10000 for this insurance and i have no claim experience with this insurance.
      Was this review helpful? 1
      , lucknow
      Reviewed on May 28, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I hold a health insurance with Star health from last 1 year, i am happy with the coverage value of this insurance policy as they cover up to Rs 5 lakhs. My claim experience was good with this insurance and they covered 70% of the amount. I am not aware of the premium amount as company pays it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance policy with Star health from last 8 years, i am happy with the coverage of this insurance policy. My claim experience was good with this insurance and the coverage value was good. I pay a premium of Rs 13013 and they cover up to Rs 3 lakhs.
      Was this review helpful? 0
      , coimbatore
      Reviewed on May 20, 2018
    • Star Health Health Insurance
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I'm impressed with the Services of Star Health. I've an accidental cover policy from then. I pay a premium of 1600 Yearly for a coverage of 6 lacs. Their services are very good. I recently have a claim experience with them and the claim was processed with in days.
      Was this review helpful? 0
      , chennai
      Reviewed on May 16, 2018
    • Apollo Munich Health Insurance
      "Health insurance with APOLLO MUNICH"
      0.5 3.0/5 "Satisfactory"
      I hold a health insurance from APOLLO MUNICH. This was a corporate insurance having a policy coverage of 2 to 3 lakhs. This policy do have cover for me and my spouse.There is no claim experience for the policy. They provide reimbursement facility.
      Was this review helpful? 0
      , vellore
      Reviewed on May 14, 2018
    • Reliance General Health Insurance
      "Good Policy"
      0.5 3.5/5 "Pretty good"
      I have a health insurance with Reliance general from last 3 years, i am happy with the coverage value of this insurance policy as they cover up to Rs 4 lakhs. I am not aware of the premium amount as my company pays it. My claim experience was good and they covered 90% and it was a cashless treatment.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 10, 2018
    • Oriental Insurance Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance with Oriental Insurance from last 1 year, i am not aware of the premium amount as my company pays it. I am happy with the coverage value of this insurance policy and they cover Rs 3 lakhs. I have no claim experience so far with this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 03, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 2.5/5 "Just OK"
      I have my health insured with Star health from last 4 months, i am happy with the coverage value of this insurance policy as they cover up to Rs 3 lakhs. I have not claimed anything so far from this insurance and my premium is paid by the company.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 03, 2018
    • Bajaj Allianz Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Bajaj Allianz from last 1 year, i am happy with the coverage value of this insurance policy. This policy can cover up to Rs 5 lakhs. I do not have claim experience so far with this insurance and i pay a premium of Rs 13000 for this insurance.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 02, 2018
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