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

Health Insurance in Mumbai

In Mumbai, one can take care of their medical expenses by buying health insurance from top insurers such as HDFC Ergo, Future Generali India Insurance, Religare Health Insurance, TTK Health Insurance, Apollo Munich, and so on.

Health insurance policies enable you to meet medical expenses. A health insurance policy covers hospitalization for more than 24 hours, nursing care, surgeries, consultation fees, diagnostic tests, hospital accommodation etc. You can avail these policies by paying a certain amount of money to the insurance company, in the form of premiums.

There is a constant rise in the number of health problems in Mumbai - one of the busiest and most populated cities in India. Health disorders such as diabetes, hypertension, tuberculosis, malaria, dengue and heat disorders are affecting its inhabitants greatly. Deaths caused by diseases like tuberculosis are reported to be very high. Research conducted by NGOs finds that one in every six deaths is caused by tuberculosis. Hence, the need for medical assistance is very pronounced in Mumbai, adding to the huge demand for insurances companies to compensate large medical bills.

Medical inflation has added to residents’ living costs. Cost of quality healthcare is only expected to rise in coming years. Mumbai, touted as one of the most expensive cities in the world, can expect health costs to be a major part of residents’ budgets thus making health insurance an absolute necessity. Fortunately, being a hub of economic activity in India, insurers are only too happy to service this burgeoning demand for health insurance policies.

Mumbai has a considerable number of top insurance companies functioning in the city.

Best Health Insurance Companies in Mumbai:

  1. Religare Health Insurance: One of the health insurance providers in Mumbai is Religare which has a tie up with hospitals like Apollo Spectra Hospitals, Asian Heart Institute, Fortis Sl Raheja Hospital, Icon Hospital & Research Centre and many more.
  2. HDFC Ergo: It is one of the top ten health insurance providers in Mumbai. The company has tie-ups with over 220 hospitals in Mumbai including Hiranandani Hospital, Lilavati Hospital, Kokilaben Dhirubhai Ambani Hospital. HDFC Ergo has five branches in Mumbai.
  3. Max Bupa Health Insurance: Max Bupa Health Insurance has tie-ups with hospitals like Hinduja Hospital, Hiranandani Hospital, Kokilaben Dhirubhai Ambani Hospital, Lilavati Hospital in Mumbai. It has three branch offices in Mumbai including Thane and old Mumbai. The Company aims to tie up with 600 hospitals across the country.
  4. Star Health Insurance Company: It has tie-ups with most of the major hospitals in Mumbai including Hiranandani Hospital, Kokilaben Dhirubhai Ambani Hospital etc. It has about 16 branches in Mumbai.
  5. ICICI Lombard General Insurance: It has tie-ups with hospitals like Lilavati Hospital, Hinduja Hospital, Hiranandani Hospital, Kokilaben Dhirubhai Ambani Hospital to name a few. It has 8 branches in Mumbai.
  6. Future Generali India Insurance: Future Generali Health Insurance has tie-ups with hospitals like Hiranandani Hospital, Hinduja Hospital, Lilavati Hospital, Kokilaben Dhirubhai Ambani Hospital etc. It has 5 branches in Mumbai.
  7. Bajaj Allianz General Insurance: The Company has tie up with the leading hospitals like Kokilaben Dhirubhai Ambani Hospital, Hiranandani Hospital, Hinduja Hospital, Lilavati Hospital and many more. It has 11 branches in Mumbai including the Navi Mumbai branch.
  8. Apollo Munich Health Insurance: The Company has tie up with many hospitals in Mumbai including the major hospitals like Kokilaben Dhirubhai Ambani Hospital, Hiranandani Hospital and Lilavati Hospital. It has 8 branches in Mumbai.
  9. Reliance General Insurance: The Company has connection with some of the leading hospitals like Lilavati Hospital and Kokilaben Dhirubhai Ambani Hospital in Mumbai. It has 11 branches in Mumbai.
  10. TTK Health Insurance: TTK is another major provider of health insurance in Mumbai. Its network hospitals include Abhishek nursing home, Aditya Jyot Eye Hospital, Agrawal Clinic Surgical & General hospital, Breach Candy Hospital, Bombay Hospital and Research Centre, Bethany Hospital etc. It has 1 branch office in Mumbai.
  11. Bharati AXA General Insurance: The Company provides health insurance to its customers in Mumbai through its huge number of network hospitals in Mumbai. It has tie up with hospitals like Sanjivani Hospital, Dr. Kandois Ashirwad Hospital, Paramount Medical Services Pvt. Ltd., Kolekar Nursing Home, Aditya Nursing Home and Kohinoor Hospital in Mumbai. It has 4 branches in Mumbai.

News About Health Insurance in Mumbai

  • 71% of Mumbai's population suffers without medical insurance!

    Shocking results from a survey conducted by a non-profit institution, Praja foundation has brought to light that 71% of the families in Mumbai have no medical insurance. The door to door survey which covered every economic group in Mumbai stated that 71% of the families are being pushed under the poverty line due to the skyrocketing price of medical treatments and lack of health insurance.

    People from the lowest economy sector (SEC E) are the ones suffering more as the lack of health insurance compels them to pay for their medical treatments from their pockets. Only a better, cheaper health insurance coverage and better access to public healthcare institutions can change this problem.

    23 July 2015

  • Maharashtra rakes in highest amount of non-life premium

    Maharashtra leads the pack in terms of gross premium collections at Rs.17,774 crores for the year 2013 - 2014 according to data released by the General Insurance Council (GIC). Tamil Nadu recorded the next highest amount at Rs.7,538 crores with Gujarat and Karnataka following. New Delhi rounded up the top 5 at Rs.5,000 crores.

    Maharashtra’s leadership position in terms of premiums collected is attributed to the fact that Mumbai, it’s capital, is economically more developed. However, with other cities on the rise, economically, the gap between premiums collected in Maharashtra and other places is narrowing.

    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 Mumbai Reviews

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  • Cigna TTK Health Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    In Cigna TTK, they are providing pre existing disease cover, but they don't have no claim bonus features. The response is good they have good customer care working 24/7 , the medical coverage is good for me and entire family. They have many hospital which they got tie up in Mumbai.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 10, 2019
  • Apollo Munich Health Insurance
    "Good medical cover with Apollo"
    0.5 5.0/5 "Blown Away!"
    I got the medical cover of Rs. 3 lakhs its covers for my four persons, they got tie up with major hospital. I don't have any medical card but if I want to go for claim. There is a person who coordinate for Tata employee. They do have cash less treatment.
    Was this review helpful? 1
    , mumbai
    Reviewed on Jan 09, 2019
  • Oriental Insurance Health Insurance
    "Good service"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance policy with Oriental Insurance, i never had any claim Experience with this policy , this policy cover accidental claim and i pay premium on yearly basis ,and it use to get auto debited my account, so far I did not face any issues till date.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 30, 2018
  • Tata AIG Health Insurance
    "Every one must hold a health insurance policy"
    0.5 3.5/5 "Pretty good"
    The premium is somewhat heavy compared to other companies. They have provided me a coverage value of Rs.4.80 lakhs. There is a different slab for according to the age group. I am paying the premium of Rs. 8400 per annum . I have been paying the premium for 2 adults under family platter with a eldest age of 31.
    Was this review helpful? 1
    , mumbai
    Reviewed on Dec 29, 2018
  • Star Health Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have a health insurance policy with Star health insurance, the premium i use to pay for an year its nominal for me, from past 1 year i have been using this insurance there customer service explain me about policy and i use to pay through on line like they use to send me the link i use to pay it,they have tie up with many hospital.
    Was this review helpful? 1
    , mumbai
    Reviewed on Dec 26, 2018
  • Cigna TTK Health Insurance
    "Good for Claim settlement"
    0.5 4.0/5 "Great!"
    The mediclaim value is good around Rs. 3 lakhs for me and for my mother and spouse Rs. 2 lakhs they got tie up with many hospitals, the policy generation is good. This year I used the policy for my wife pregnancy done surgery, cost around Rs 2 lakhs, they gave me 90% of the reimbursement.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 22, 2018
  • National Insurance Health Insurance
    "Good for emergency purpose"
    0.5 5.0/5 "Blown Away!"
    The medical claim around Rs. 5 lakhs, its for my entire family. I used this policy for my father bypass surgery, it was cash less in Asian heart hospital the taken 6 to 7 days to settle 100% of claim. It covers major and minor disease it was corporate plan.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 13, 2018
  • New India Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been using my Health insurance with NEW INDIA , and from long time, i have been using this insurance, there service is good, like i got this health insurance through my office as they only had created this health insurance for me and i use to pay premium per year, it use to get auto debited from my salary account.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 10, 2018
  • review Health Insurance
    "Good medical policy"
    0.5 4.5/5 "Excellent!"
    I have taken family policy, it covers for my whole family it provides medical cover of Rs. 25 lakhs, I paid around Rs. 60,000 + gst it has pre existing cover, now the premium is high because my father is 62 years old. Earlier it was 40,000 last year it got increased based on the age, they got tie up with many hospital across all over India.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 09, 2018
  • United India Health Insurance
    "Good protection for family"
    0.5 5.0/5 "Blown Away!"
    My company gave United India health insurance with the medical cover of Rs. 30 lakhs its for my entire family , it have cash less hospitalization. Many time I used the policy the process was easy and they are providing quick cash less and reimbursement settlement.
    Was this review helpful? 1
    , mumbai
    Reviewed on Dec 01, 2018
  • review Health Insurance
    "Worth it"
    0.5 5.0/5 "Blown Away!"
    I took health policy from Aditya Birla for the medical coverage of Rs. 1.32 crore for two person. For me and my wife, they have cash less service with cancer coverage. The policy has critical illness and pre existing cover. When I see the list they have tie up with many hospitals.
    Was this review helpful? 0
    , mumbai
    Reviewed on Dec 01, 2018
  • Cigna TTK Health Insurance
    "Best service"
    0.5 4.5/5 "Excellent!"
    I have been using my health insurance with Cigna TTK health insurance, i have just been a year ago i have applied this insurance , and there agent had explain me about the policy of this insurance and they have tie up with many hospital and i use to pay premium up to 8,000 it is nominal for me and it is yearly basis, till now i have not use policy yet.
    Was this review helpful? 0
    , mumbai
    Reviewed on Nov 28, 2018
  • United India Health Insurance
    "Good Policy to use"
    0.5 5.0/5 "Blown Away!"
    My health insurance policy was purchased with United India. For long term i have been renewing the policy with this company. I pay the premium amount of Rs. 25000. My total family has been covered by this policy. I have a claim experience once and within 25 days i have got my claim. I have received the claim amount of Rs. 5 lakhs. Total coverage of the policy is 7 lakhs. Hospital list was fine.
    Was this review helpful? 0
    , mumbai
    Reviewed on Nov 28, 2018
  • Max Bupa Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have been holding my health insurance with MAX BUPA ,they are providing good service there customer support team is very good they are co-operating well and there responsiveness is good they have been charging nominal premium per year and i am paying my premium through on line.
    Was this review helpful? 0
    , mumbai
    Reviewed on Nov 27, 2018
  • SBI General Health Insurance
    "Best policy"
    0.5 5.0/5 "Blown Away!"
    I am having a health insurance policy with SBI general insurance from last 8 years. I am not aware of the premium amount as my company pays it. I have no claim experience so far with this insurance and the coverage value is Rs 5 lacs for family.
    Was this review helpful? 0
    , mumbai
    Reviewed on Nov 26, 2018
  • Star Health Health Insurance
    "AVERAGE"
    0.5 3.0/5 "Satisfactory"
    STAR HEALTH & ALLIED INSURANCE is the health insurance policy where i am holding it but i haev no claim experience with this policy. I am using it from past two year where the premium i paid 8-9k. There is a accidental benefits along with the medical coverage is for 5 lakhs for self.
    Was this review helpful? 0
    , mumbai
    Reviewed on Nov 23, 2018
  • review Health Insurance
    "Health insurance"
    0.5 4.0/5 "Great!"
    I have been holding the health insurance with Bharti AXA. My total family has been covered in this policy. They have given a coverage of 3 lakhs. The preety much hospitals has been covered in my location. My company has provided this policy around 6 months before. Since its a corporate policy, they have provided only to the employees.
    Was this review helpful? 2
    , mumbai
    Reviewed on Nov 16, 2018
  • Star Health Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance policy with Star health insurance, the premium i use to pay is up to 13,000 a per year its nominal for me, from past 1 year i have been using this insurance there customer service explain me about policy and i use to pay through on line like they use to send me the link i use to pay it.
    Was this review helpful? 1
    , mumbai
    Reviewed on Nov 16, 2018
  • Reliance General Health Insurance
    "Good Policy"
    0.5 5.0/5 "Blown Away!"
    I have a company provided health insurance with Reliance, i am not aware of the premium amount as my company pays it. There was no claim experience so far with this insurance policy. This policy has a coverage value of Rs 4 lacs.
    Was this review helpful? 0
    , mumbai
    Reviewed on Nov 15, 2018
  • HDFC Ergo Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I have taken my health insurance with HDFC ERGO , i have not opt there policy yet and i use to pay premium on monthly bases up to 400 rupees and it use to get auto debit from my account and while i applied for health insurance customer service had explained me about all procedure , so far the process went smoothly and it good.
    Was this review helpful? 0
    , mumbai
    Reviewed on Nov 14, 2018
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