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

Health Insurance in Lucknow

Lucknow has some of the most leading health insurance companies that offer coverage for medical treatments. These insurers include New India Assurance, ICICI Lombard, Max Bupa, Apollo Munich Health Insurance, etc.

Getting health insurance is very important in India. The number of health issues arising out of air and water borne diseases here is among the highest in the world, and most of the diseases could be treated at a decent health care facility. Health insurance, therefore, provides a cushion against the prevailing illnesses in any area by taking care of unexpected expenses incurred in hospitals.

Lucknow is among the most populous cities in the country. The health levels in the city are very poor compared with rest of the country. Some of the avoidable diseases that plague the city include Kala-ajar, Malaria, Dysentery, Japanese Encephalitis, Hepatitis A and Tuberculosis. The major problems faced by Lucknow residents are parasites, dysentery and similar water-borne diseases. People in villages suffer from malnutrition, respiratory infections, skin diseases and other problems related to unhygienic conditions.

All these diseases make it imperative for people to take necessary precautions as well as get health insurance. Health insurance by definition is insuring yourself for expenses related to diseases. A lot of policies are available from various national level providers.

Top 10 Health Insurance Companies in Lucknow:

Lucknow is home to all of the health insurance providers operating in India. Chief among them are:

Public Sector Health Insurers:

  • New India Assurance: Counted among the top health insurance providers in the country, this public company has the highest premium collections in India. It provides some great policies for NRIs, senior citizens and overseas mediclaim policies.
  • National Insurance: Another public sector heavyweight, National Insurance boasts of the second highest premium collection for health policies in the country. It also has a significant presence in Lucknow.
  • Oriental Insurance: Oriental is also a public sector company and provides attractive health plans across the spectrum with great premium rates. It is counted in the big 4 of the Indian health insurance sector.

Private Sector Health Insurers:

  • Religare Health Insurance: Religare is one of the health insurance providers in Lucknow that provides customers with health insurance cover through collaborations with hospitals like Charak Hospital & Research Centre, Divine Heart & Multispeciality Hospital, Lucknow Cancer Institute, Shriram Memorial Hospital and Shanti Clinic & Hospital.
  • Reliance General Insurance has a significant presence in Lucknow with 59 network hospitals providing care for a wide range of illness and other health issues.
  • HDFC Ergo General Insurance has a good presence in Lucknow with 56 network hospitals. It is among the largest private sector firms and has been posting great growth figures over its short while in the Indian insurance sector.
  • Bajaj Allianz General Insurance is among the top private sector general insurance providers in Lucknow and in India. The company has tie-ups with 56 local hospitals in the city that provide cashless facilities for patients who are customers of Bajaj Allianz General Insurance.
  • ICICI Lombard General Insurance is the biggest private general insurance firm in India. It has network connections with 27 hospitals in the city, providing customers faster and hassle free services in case of health complications.

Standalone Health Insurers:

  • Star Health and Allied Insurance is the largest specialized health insurance company in India, with comprehensive operations throughout the country. Its list of networked hospitals in Lucknow include 55 hospitals located in and around the city.
  • Apollo Munich Health Insurance is another specialized health insurance provider. It has more than 40 networked hospitals in Lucknow, including Sahara India Medical Institute, Vasan Eye Care hospital, Sai Medical Center, Lucknow Hospital and Lifeline Hospital, among others.
  • Max Bupa Health Insurance offers health insurance plans for all age groups and across the spectrum. There are 33 hospitals in Max Bupa’s network in Lucknow, including Eye-Q Super Specialty, Ford Hospital, Lucknow Hospital, and many more.

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 Lucknow Reviews

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  • HDFC Ergo Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have been holding my health insurance with HDFC recently, there service is good, they have charged me premium up to 286 per month, there premium amount was nominal for me and there is tie up with my hospital and it use to get auto debited from my account.
    Was this review helpful? 0
    , lucknow
    Reviewed on Nov 21, 2018
  • SBI General Health Insurance
    "Good policy to use"
    0.5 3.0/5 "Satisfactory"
    I have got the health insurance policy from the SBI GENERAL INSURANCE around a 4 years ago. The customer support service and the response is good from the SBI. The premium amount of Rs,200 I need to pay to this application every year. This policy has the medical coverage up to Rs,4,00,000 and I am satisfied with it.
    Was this review helpful? 0
    , lucknow
    Reviewed on Jun 01, 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
  • SBI General Health Insurance
    "Not satisfactory"
    0.5 2.0/5 "Expected more"
    State Bank of India is not good in the health insurance benefits. Though I do not have a claim, I am still not happy with the policy. The premium is paid on a yearly basis. This time I am not going to renew the policy. The medical coverage is also not to my satisfaction.
    Was this review helpful? 0
    , lucknow
    Reviewed on Nov 09, 2017
  • Bajaj Allianz Health Insurance
    "Can do better"
    0.5 2.0/5 "Expected more"
    At the time of selling the policy Bajaj alliance , I was told that the documentation process is too simple for the health insurance.When I had approached them for the claim experience I got to know that, there were in need of too many documents and the process was complicated too. Where i was told that,i had to just send a mail and it would be taken care off in 10 working days which is completely misleading.
    Was this review helpful? 0
    , lucknow
    Reviewed on Oct 19, 2017
  • Star Health Health Insurance
    "Best"
    0.5 4.0/5 "Great!"
    I have the health insurance policy with the Star health insurance company and am having it from the last two years of time. Response is very good one with them and their plan benefits are good oen for me with them.
    Was this review helpful? 0
    , lucknow
    Reviewed on Sep 25, 2017
  • Star Health Health Insurance
    "EXCELLENT SERVICE"
    0.5 5.0/5 "Blown Away!"
    It was an excellent service from STAR HEALTH ,representatives where very good and responsible also I use to get updated information's regarding new schemes and offers ,I can say they fulfilled my requirements so I am very much happy with the service of STAR LIFE HEALTH INSURANCE.
    Was this review helpful? 0
    , lucknow
    Reviewed on Sep 20, 2017
  • Star Health Health Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    The star health insurance has gave me good experience. I got the health insurance policy for more than 3 years., the customer service gives reminders to renew the policy on time. I pay Rs.10,000 to renew the policy every year. This policy covers Myself, my spouse and son. I have a claim experience with this policy, when I was admitted in hospital I got a cash less treatment through the star health insurance policy.
    Was this review helpful? 0
    , lucknow
    Reviewed on Sep 08, 2017
  • Religare Health Insurance
    "Claim rejected even for Emergency Admission"
    0.5 0.5/5 "Unacceptable"
    Religare Health Insurance Claim no : 90241005-00 Insurance policy (#10392156 ) Client ID : 52545500 I was admitted to forrd in Emergency condition on 28 July 2016 at 4 AM in morning. I made a claim for reimbursement and sent all the required documents to Religare. But my claim has been rejected with reason "INVESTIGATION AND EVALUATION NOT COVERED NORMAL VITAL" They are saying that I could have been treated in OPD and admission was not required. I went to hospital at 4 Am in morning in emergency condition. I sent Doctors letter on letter head in which it was mention that admission was necessary and I was admitted in emergency condition. I contacted all the concerned person, grievance cell etc but my case is not resolved.
    Was this review helpful? 3
    , lucknow
    Reviewed on Oct 25, 2016
  • HDFC Ergo Health Insurance
    "GREAT SERVICES"
    0.5 4.5/5 "Excellent!"
    I choose HDFC ergo for my health insurance policy because they have provided me the good offers like they used to compensate 1000 Rupees per day if I got hospitalized. Accidental coverage is around 10 LAKHS; Rupees and the medical coverage value would be 3 lakh Rupees.
    Was this review helpful? 0
    , lucknow
    Reviewed on May 08, 2016
  • Reliance General Health Insurance
    "fine"
    0.5 4.0/5 "Great!"
    It is with the reliance general insurance I have my health insurance with. It is taken from my company. The policy is the mediclaim policy. It covers accidental and hospital charges. The tenured period is of 5 years. The annual payment I make is deducted from my salary.
    Was this review helpful? 0
    , lucknow
    Reviewed on Apr 06, 2016
  • Apollo Munich Health Insurance
    "Satisfactory"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with Apollo Munich. It is a individual insurance. They have offered me a coverage of three lakhs. It was a easy process in to get the policy. The services was good. The premium will be on a yearly basis.
    Was this review helpful? 1
    , lucknow
    Reviewed on Mar 30, 2016
  • New India Health Insurance
    "Good family plan..."
    0.5 4.5/5 "Excellent!"
    After I joined my company I am being with New India Assurance for health insurance. It covers around one lakh every year for my whole family in regards to causality. They also have chain with most of the banks as I can use an id card to get the benefits. No need to approach anyone for claim as directly can call the customer executives for assistance as they work 24x7.
    Was this review helpful? 0
    , lucknow
    Reviewed on Mar 01, 2016
  • Royal Sundaram Health Insurance
    "Better"
    0.5 4.0/5 "Great!"
    I do have the health insurance policy with the Royal sundaram general insurance company and am having it from the last eight years of time. The services are quite good and I am paying around 12000 Rupees as the premium for four person. The coverage value is around 2.5 lakh Rupees for each person.
    Was this review helpful? 1
    , lucknow
    Reviewed on Jan 11, 2016
  • Max Bupa Health Insurance
    "Best coverage "
    0.5 5.0/5 "Blown Away!"
    I dont have any claim experience with Max Bupa regarding the health Insurance I have taken.They have provided the coverage amount around 5Lakhs.They have many hospitals covered in the Insurance.I do pay a premium around 7000Rs in the Insurance.
    Was this review helpful? 1
    , lucknow
    Reviewed on Nov 30, 2015
  • Oriental Insurance Health Insurance
    "Excellent policy"
    0.5 5.0/5 "Blown Away!"
    With the Oriental insurance company I am having the health insurance policy and am having this from the last 7 to 8 years of time. The medical coverage is around 2 lakh Rupees for the full family. My known people is working , so I can get the good response from them. I have got the claim experience and I got around 100% of the claim as the reimbursement.
    Was this review helpful? 2
    , lucknow
    Reviewed on Nov 20, 2015
  • National Insurance Health Insurance
    "Good "
    0.5 5.0/5 "Blown Away!"
    I have the health insurance policy with the National Insurance Company. The coverage is around 6 lakhs Rupees. Services are good with them and its been provided by my employer. I dint faced any claim experience with them. Total coverage is around 6 lakhs for my full family.
    Was this review helpful? 0
    , lucknow
    Reviewed on Oct 15, 2015
  • HDFC Ergo Health Insurance
    "Good To Have A Policy"
    0.5 3.0/5 "Satisfactory"
    I have taken my health insurance policy from HDFC ERGO GENERAL INSURANCE. They are covering my entirely family under this policy. Every year I am making my premium of rupees 6500. So far I paid 13k and they have 3 lakhs coverage. It covers all the hospitals in the city. One time I got the offer for full body check up.
    Was this review helpful? 0
    , lucknow
    Reviewed on Sep 14, 2015
  • review Health Insurance
    "Good for claims..."
    0.5 4.0/5 "Great!"
    Fine service and assured medical coverage is of 5lakhs from Iffko Tokio general insurance. They are covering my parents as well in the health insurance. My company is paying the premium. I havenâ??t claimed anything but as on my friendâ??s experience, Iffko Tokio is good in response.
    Was this review helpful? 0
    , lucknow
    Reviewed on Sep 05, 2015
  • Bajaj Allianz Health Insurance
    "Average"
    0.5 3.0/5 "Satisfactory"
    I got my mediclaim card from Bajaj Allianz for my health insurance. It is a corporate insurance given by my company I work for. The premium is paid on a quarterly basis. I have not had a claim yet. The coverage is for 1.5 lakh and it is for my family and myself.
    Was this review helpful? 0
    , lucknow
    Reviewed on Sep 05, 2015
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