You need health cover regardless of what you take two at a time - pills or stairs.

Health Insurance in Delhi

Buying a health insurance policy helps you protect your family’s future. In order to buy a health insurance policy, first you need to decide which policy you are going to buy. The insurance companies have a wide range of health insurance policies to cater to the needs of young adults and senior citizens. Health insurance policies protect you from unexpected and high medical expenses. Paying a nominal amount, you can avail comprehensive coverage on your medical needs. You can enjoy cashless hospitalization, nursing care, consultation, medical check-ups and hospital accommodation with the help of these policies. Your insurance company will pay for all these medical expenses.

Importance of Health Insurance in Delhi:

Like all major cities in India, Delhi, the capital of India, is also highly affected by growing health complications caused due to air pollution and water pollution. Respiratory problems, dengue and malaria are some of the recurrent health complaints experienced by the inhabitants of Delhi. Simultaneously, medical costs are on the rise. People, in general, find it hard to access affordable, high quality health care. Consequently, demand for health insurance has also increased.

A number of health insurance companies in Delhi offer customers cashless claim facilities at their network hospitals. This let policyholders to avail timely medical treatment without having to worry about costs. Insurers provide different types of coverage to meet varied personal needs. Standard health insurance plans are offered for individuals and families, including senior citizens. Customers can also avail policies that provide specific coverage e.g. critical illness and personal accident policies.

Best Health Insurance Companies in Delhi:

  1. Religare Health Insurance: With its association with over 4100 plus leading hospitals in India, its network hospitals in Delhi Include Aakash Hospital A-One Hospital, Action Cancer Hospital etc. It has three branches in Delhi.
  2. ICICI Lombard General Insurance: ICICI Lombard has seven branches in Delhi. Its network hospitals in Delhi include: Sant Parmanand Hospital, J P Memorial Hospital, National Heart Institute, R G Stone Urology & Laparoscopy Hospital, Eden Hospital, etc.
  3. Royal Sundaram General Insurance: It has tied up with hospitals like Bhatia Hospital, Bhagawati Hospital, National Heart Institute etc. It has one branch in Delhi.
  4. Future Generali India Insurance: It has two branches in New Delhi. Its network hospitals include Fortis Healthcare Ltd., Garg Hospital, Gandhi Nursing Home, etc.
  5. HDFC Ergo: It has a total of 119 network hospitals in Delhi including major hospitals like Aastha Hospital, Amar Leela Hospital, and Agrawal Nursing Home. It has a total of five branches in Delhi.
  6. Reliance General Insurance: It has associations with about 4000 hospitals across the country. Its network hospitals include A-One Hospital Pvt. Ltd, Action Cancer Hospital and Amit Nursing Home to name a few. Reliance Health Insurance has about 7 branches in Delhi.
  7. Bajaj Allianz General Insurance: It has two branches in Delhi. Its network hospitals include Delhi Heart and Lung Institute, MGS Hospital.
  8. Apollo Munich Health Insurance: It has a strong presence in Delhi with a number of network hospitals including Action Cancer Hospital, City Hospital, Indraprastha Apollo Hospital, Indian Spinal Injuries Centre, Jeevan Anmol Hospital, Nova Medical Centers NCR Region (P) Ltd, Sanjeevan Speciality Hospital. It has six branches in Delhi.
  9. TTK Health Insurance: Part of its network hospitals are Arya Hospital, Aggarwal Nursing Home, Amar Leela Hospitals. It has one branch in Delhi.
  10. Bharati AXA General Insurance: It has about five branches in Delhi, and is connected with hospitals like Aditya Varma Medical Centre, Swastik Hospital, Hans Charitable Hospital, Action Cancer Hospital, Bhatia Hospital, etc.

News About Health Insurance in Delhi

  • New Delhi tops in terms of insurance density

    New Delhi has made a mark for itself in the non-life insurance industry as the state with the highest insurance penetration nationwide. It recorded insurance penetration of 1.34% for the year 2013 - 2014 according to data released by the General Insurance Council (GIC).


    New Delhi has a population of about 1.68 crores which is comparatively much smaller than leading states like Maharashtra and Tamil Nadu. Yet the 315 offices of various general insurers have brought in premiums of about Rs.5,000 crores.


    New Delhi, like many other smaller cities, have been recording higher premium collections in recent times given strong economic growth. With average incomes on the rise and more people buying cars, general insurance premium collections have been on the rise as well. Improved literacy also contributes to the rise of business in New Delhi.

    2 June 2015

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.

Health Insurance in Delhi Reviews

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  • ICICI Lombard Health Insurance
    "Need scope of improvement on claim process"
    0.5 4.0/5 "Great!"
    My I-protect family health plan is good, overall cover is for 15 lakhs for my entire family. They giving pre existing and cash less hospitalization cover. The service is also great but I heard they are not good in claim, they have some length process, they need some scope of improvement.
    Was this review helpful? 0
    , delhi
    Reviewed on Nov 01, 2018
  • ICICI Lombard Health Insurance
    "Good Service"
    0.5 4.0/5 "Great!"
    I've a health insurance policy with the ICICI Lombard. It took almost one month to receive the policy document soft copy. I am paying a premium of 650 per month. They're yet to send me the hard copy. Overall it hasn't been a good experience with the policy so far.
    Was this review helpful? 0
    , delhi
    Reviewed on Jul 14, 2018
  • National Insurance Health Insurance
    "Good Policy"
    0.5 4.0/5 "Great!"
    I hold a health insurance policy with National Insurance from last 10 years, i am happy with the coverage value of this insurance policy. A premium of Rs 1400 has to be paid for this insurance policy. My claim experience was good and they covered 100% and the coverage amount is up to Rs 1 lakh
    Was this review helpful? 0
    , delhi
    Reviewed on May 17, 2018
  • Bajaj Allianz Health Insurance
    "good service"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with BAJAJ it was been 10 years I have taken the insurance ,during the documentation part it was easy also I have got lot of good offers from BAJAJ still I have not avail their offers much I will say the service of BAJAJ is very good for my health insurance service.
    Was this review helpful? 0
    , delhi
    Reviewed on Oct 16, 2017
  • Bajaj Allianz Health Insurance
    "Average service"
    0.5 3.0/5 "Satisfactory"
    Service is very good from BAJAJ ,I have not avail their service much their representatives were very helpful and responsible . Even during the documentation part it was fine with BAJAJ service ,overall service is fine and average . No issue till now.
    Was this review helpful? 0
    , delhi
    Reviewed on Oct 05, 2017
  • Bajaj Allianz Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    Bajaj Allianz general insurance is a good company. My health insurance is with them. It is a corporate insurance and I am given a medical coverage of two lakhs. The best is that I can get a cash less facility for the admission of 24 hours. Overall good.
    Was this review helpful? 0
    , delhi
    Reviewed on Aug 09, 2017
  • ICICI Lombard Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    My company has offered me a health insurance. It is from ICICI Lombard. The services are good in receiving the medical card. Though I have not used the insurance the process is simple and it is a cashless facility. The coverage is for two lakhs.
    Was this review helpful? 0
    , delhi
    Reviewed on Aug 09, 2017
  • Religare Health Insurance
    "Good "
    0.5 3.0/5 "Satisfactory"
    The service provided was quite good with Religare and the health Insurance is processed through the agent.They are providing coverage around 5lakhs in the Insurance.I have to pay a premium around 14000Rs for the health insurance with Religare.
    Was this review helpful? 0
    , delhi
    Reviewed on Mar 10, 2016
  • Star Health Health Insurance
    "Good "
    0.5 5.0/5 "Blown Away!"
    The service provided was quite good with Star health related to health Insurance.They directly call and update about the premium payment to the customer.They have provided a coverage around 5lakhs in the Insurance.I have to pay around 8000Rs as premium in the Insurance.They are processing the claim within 15-20days of time.
    Was this review helpful? 0
    , delhi
    Reviewed on Mar 08, 2016
  • Religare Health Insurance
    "Good "
    0.5 4.0/5 "Great!"
    The service provided was quite good with religare related to the health Insurance process.The coverage amount provided was around 5laksh for the Insurance.I have to pay around 11500Rs for this.They have no claim bonus offered for the customer who have not claimed for that particular time period.
    Was this review helpful? 0
    , delhi
    Reviewed on Mar 03, 2016
  • Religare Health Insurance
    "Very good"
    0.5 4.0/5 "Great!"
    I am having the health insurance policy with the Religare and the services are very good. Total medical coverage value is around 3 lakh Rupees. I have faced claims with them like I got around 30% money of the hospitalization what I got as the reimbursement.
    Was this review helpful? 0
    , delhi
    Reviewed on Mar 01, 2016
  • Max Bupa Health Insurance
    "Very good..."
    0.5 5.0/5 "Blown Away!"
    Max Bupa has offered a good policy where it a family companion plan. Room rent is covered without capping on my health insurance. Some companies has cap in covering room rent. Every year cover would increases. Pre existing diseases will be covered after two years.
    Was this review helpful? 0
    , delhi
    Reviewed on Jan 29, 2016
  • Oriental Insurance Health Insurance
    "Good coverage "
    0.5 4.0/5 "Great!"
    The service provided was good based on the health insurance with oriental Insurance.I have not got any claim experience with this insurance as of now.They have provided a coverage around 2lakhs in the Insurance.The premium for this is 3000Rs in the yearly basis.The customer service provided was not that good
    Was this review helpful? 0
    , delhi
    Reviewed on Dec 21, 2015
  • Future Generali Health Insurance
    "Satisfactory.."
    0.5 4.0/5 "Great!"
    My colleague and one of my friends got claim easily when they request for claim. Coverage value in Future Generali general insurance is about three lakhs and this is for my family members. This health insurance been offered by my company and till now no claim so no idea about the procedures.
    Was this review helpful? 0
    , delhi
    Reviewed on Dec 16, 2015
  • National Insurance Health Insurance
    "Extra charge been collected..."
    0.5 3.0/5 "Satisfactory"
    I made claim on the health insurance. National Insurance had charged at the end even though I selected general room in the hospital, which I don't like. Medical coverage is fixed amount for one year and that is of 25 thousand on the medical bills.
    Was this review helpful? 1
    , delhi
    Reviewed on Dec 12, 2015
  • HDFC Ergo Health Insurance
    "Great!!!"
    0.5 4.5/5 "Excellent!"
    HDFC ergo has offered 6 lakhs medical coverage. Cashless treatment is available and most of all the listed hospital are covered. Pre matured disease are good. They pay rs.1000 for per day in case we have been hospitalized.
    Was this review helpful? 0
    , delhi
    Reviewed on Dec 12, 2015
  • review Health Insurance
    "Good coverage"
    0.5 4.0/5 "Great!"
    I have the health insurance policy with the Aviva insurance company and am having it from the last nine months of time. It has been provided by my employer. The services are good with them and there are no issues with them. Total coverage is for my nuclear family.
    Was this review helpful? 0
    , delhi
    Reviewed on Dec 10, 2015
  • HDFC Ergo Health Insurance
    "Fair enough"
    0.5 3.5/5 "Pretty good"
    No claims so far. Incase of anything happens , the coverage is around 5 lakh which is normal. It also covers the ambulance. They have a good tie up with lot of hospital so that we can claim it easily. Pre annum I used to pay around 1000. Over all service is good with Hdfc Ergo.
    Was this review helpful? 0
    , delhi
    Reviewed on Nov 30, 2015
  • Star Health Health Insurance
    "Excellent"
    0.5 5.0/5 "Blown Away!"
    I had a claim experience with Star Health & Allied Insurance. The process was very good. It was a fast. I been with them for the last two years. The premium is on a yearly basis. Pretty happy with their services. It was a good claim experience.
    Was this review helpful? 1
    , delhi
    Reviewed on Sep 26, 2015
  • United India Health Insurance
    "Satisfactory"
    0.5 4.0/5 "Great!"
    I had a claim experience with United India insurance. The process was good. The services was good from them. I been using the insurance for the last seven years. The premium is paid on a yearly basis. The coverage is good too. Overall satisfied with this insurance.
    Was this review helpful? 1
    , delhi
    Reviewed on Sep 23, 2015
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