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    Bankbazaar health insurance

    Health Insurance

    Premiums as low as 10/day for
    coverage of 5 lakhs
    Know more about Plans from Health Insurance companies
    10,000+ hospitals for cashless treatment
    Conditions apply, subject to Insurer's discretion

    Customer Reviews

    • ICICI Lombard Health Insurance
      "Satisfactory "
      0.5 4.0/5 "Great!"
      I do have health insurance policy with the ICICI Lombard general insurance company and am with them from the last eight years of time. Service aspects are good one with the ICICI lombard general insurance company, also the coverage value is a satisfactory one and the claim ratio too. I have got around 50% of cost of treatment as claim settlement.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jun 22, 2017
    • Bajaj Allianz Health Insurance
      "Very good health policy"
      0.5 5.0/5 "Blown Away!"
      My company has provided me a health insurance policy. I got this policy around a year ago. My company will pay Rs.2,000 per month towards this policy. The policy coverage is up to 1lakh for any medical emergency. The policy has the full coverage like accident and death benefits. I have never had any claim experience so far. The health card is given to the employes, so we can use it any medical emergency.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jun 21, 2017
    • Bajaj Allianz Health Insurance
      "Very good plan benefits"
      0.5 5.0/5 "Blown Away!"
      I am having a Bajaj life insurance policy for past 10 years. The plan benefits and the policy coverages are very good with UNIT LINKED PLANS policy. I will be getting the coverage amount of Rs.25lakhs when the policy turns to maturity. The policy has the tenure of 5 years. I pay Rs.5lakhs per year. I pay the premium through cheque which is easy to do. I am happy to hold a policy with Bajaj alliance general insurance.
      Was this review helpful? 0
      , thiruvananthapuram
      Reviewed on Jun 21, 2017
    • New India Health Insurance
      "Good for family protection"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance with New India Assurance, I am making the premium of Rs.3000 on yearly basis. Its covers my entire family including my parents and spouse parents. New India Assurance offering the medical coverage of Rs.2.5 lakhs. Last week my son was admitted in hospital, he got cash less facility for Dengu fever, he got good treatment.
      Was this review helpful? 0
      , haveri
      Reviewed on Jun 21, 2017
    • National Insurance Health Insurance
      "Quite simple to get claim"
      0.5 5.0/5 "Blown Away!"
      I do have health insurance policy, which was provided by my office. The insurance provider is National insurance company and I have got around 95% of the total cost of the treatment as claim benefits. Customer service and other things are really hassle free like it got happens within ten days of time.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jun 21, 2017
    • HDFC Ergo Health Insurance
      "Good Health insurance"
      0.5 3.5/5 "Pretty good"
      I have taken this health insurance policy from HDFC Ergo on 2012, still my policy is active but I didn't utilize for any claim. I do the make the premium of Rs.4500 on annual basis, HDFC Ergo gave the medical coverage Rs.3 lakhs and Rs.10 lakhs for accidental coverage, Its cover only for me.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 20, 2017
    • Max Bupa Health Insurance
      "Good medical coverage"
      0.5 4.0/5 "Great!"
      I am making the premium on yearly basic. They gave me the medical coverage of Rs. 5 lakhs, it covers all person. I got a policy copy from them, I can utilize for the hospitalization, They have offered individual medical card fro everyone in my family.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 19, 2017
    • ICICI Lombard Health Insurance
      "Good health insurance"
      0.5 4.0/5 "Great!"
      I am using ICICI Lombard general health insurance for past 3 years. I get coverages of 4lakhs I pay around Rs.14,000 to renew the policy. This is also a good investment in terms of getting away from tax and even though if u have a company heath insurance, it is good to go have a group health insurance policy. It is 95 % reimbursement policy. It covers 4 peoples . I am happy to hold this health insurance.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jun 17, 2017
    • HDFC Ergo Health Insurance
      "Good Insurance"
      0.5 3.0/5 "Satisfactory"
      My company have provided HDFC ERGO health insurance. They have provided the medical coverage of Rs. 4 lakhs for my family, its covers every one including my parents. Total premium of this policy is Rs.7000, I make the partial amount of 50%, remaining my company will pay it.
      Was this review helpful? 0
      , nagpur
      Reviewed on Jun 16, 2017
    • Apollo Munich Health Insurance
      "Great"
      0.5 4.0/5 "Great!"
      I do have health insurance policy with the Apollo Munich insurance company and am with them from the last five years of time. Medical coverage value is around five lakh Rupees, also the coverage is a type of floater based, also its for full family. I have not done up with any claims till now. They have suddenly increased the premium as of now because of some tax incur.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 16, 2017
    • ICICI Lombard Health Insurance
      "Good Health Insurance"
      0.5 5.0/5 "Blown Away!"
      I have corporate medical insurance with ICICI Lombard, they provided the medical coverage of Rs.2.25 lakhs, it cover for me, my wife and my two children. It won't cover my parent. ICICI lombard got tie up with good hospital, across my location.
      Was this review helpful? 0
      , cuttack
      Reviewed on Jun 16, 2017
    • Bajaj Allianz Health Insurance
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I earlier had a corporate health insurance policy with Bajaj Allianz general insurance. I had a claim experience and I got it on time. There was no delay in the process and the customer services has been good. I no longer use it as I have taken a personal insurance.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 16, 2017
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    Health Insurance is Rated as " Great!" by 3786 Users
     4.0 / 5.0   by 3786 users
    Used this product? Write a review >>

    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Health Insurance BYTES FROM OUR KITCHEN
    rated 4.0/5.0 by 3786 users

    Overview of Plans from Medical Insurance Companies:

    Insurance provider
    Coverage
    Pre and post hospitalization expenses cover
    Co-pay
    Renewability
    Pre-existing disease cover
    Network hospitals
    Incurred Claim Ratio*

    Key factors to consider before buying Health Insurance

    Co-pay

    Co-pay is a fixed percentage of the hospital bill you will have to pay when you make a claim, while the balance will be paid by the insurance company. For e.g. If your policy has a 10% Co-Pay clause, it means for a Rs 1,000 claim, you have to pay Rs 100 while the insurer will pay Rs 900. Ideally, opt for a "no co-pay" plan so you don't have to shell out for every claim.

    Waiting Period for Pre-existing Diseases

    Pre-existing diseases are classified as diseases/conditions that a person has before buying health insurance. All pre-existing diseases aren't covered from day one of buying the policy. The time taken to cover pre-existing diseases will vary from plan to plan. Check the amount of time taken to cover pre-existing diseases in your plan.

    Lifelong Renewable

    The duration of coverage is the most important factor in buying a health insurance policy. Your health is most likely going to deteriorate only in your sunset years so ensure that your coverage is lifelong and not for a few years. Always go for a plan that can be renewed lifelong.

    Room Rent

    Your room preference during hospitalization matters (such as shared room, private room or private room with high-end facilities). A costlier room means you'll pay higher treatment and hospitalization charges! It's better if your plan has a higher room rent limit per day.

    Landing Previous Arrow

    Your Premium for Health Insurance is determined by

    01
    Your current age

    Lower premium for younger buyers.

    02
    Members included

    The premium depends on the number of insured members.

    03
    Room preference

    Your room preference during hospitalization matters (such as shared room, private room or private room with high-end facilities) Remember costlier room means higher treatment charges too!

    04
    Pre-existing medical condition

    Your premium will depend on any pre-existing medical conditions.

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    Smart buying tips for your Health Insurance

    01
    Assess Your needs

    You can't choose your relatives. Luckily, you can decide which family members to include in your health insurance policy. The second important thing is your room preference during hospitalization such as shared room, private room or private room with high-end facilities.

    02
    Extra-Coverage for Critical Illness

    A smart health insurance policy is one that covers you for bolts out of the blue - medical expenses for critical illnesses like cancer, stroke etc.

    03
    Know Your Budget

    Consider your budget in order to avoid a huge premium. Don't pick all the options available under the insurance policy. This will eventually increase your premium amount. So tighten your purse strings sensibly.

    04
    Read the Fine-Print

    The devil is in the details. Always read the "Terms & Conditions" of the policy i.e. features that are not covered under the policy. Make it a point to ask for sample policy wordings. With the in-depth knowledge about certain definitions, terms & conditions, exclusions and offered benefits, you'll always be the smarty-pants who's one step ahead.

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    Read Health Insurance news or Enjoy it on the go Google Play

    • Star Health Set To Receive $250 Million From Bain Capital?

      The marque PE fund Bain Capital has initiated talks to invest in Star Health and Allied Insurance, according to sources. Bain is looking at picking up a minority stake in the health insurance company and could invest up to $250 million, which would make it the largest private equity deal in insurance.

      If the transaction goes through, the deal will be prior to an IPO funding round as the other investors such as Sequoia Capital, Tata Capital, Oman Insurance Co and ICICI Venture would have to be bought out.

      While ICICI Venture and Bain Capital have declined to comment on the speculatio, other parties are also staying mum.

      Star Health was the first standalone health insurance company in India and will also be the first to be listed on the stock exchange this year.

      Bain Capital has bene aggressively investing in the country, and Star would mark the next in a long line of diverse interests for the company.

      16th June 2017

    • 11 new branches for Future Generali India in FY18

      Munish Sharda, the director and CEO of Future Generali India is trying to break even in the next financial year 2018-19 and wants to concentrate on making its market share stronger. The group is planning to launch 11 new branches in this fiscal year throughout the country and increase its workforce by adding 400 executives, informed a company official. The group is focusing on a faster growth and hence, expansion is on the cards. 11 new branches will be opened in this year across the country, including one in Tripura, and other developing cities that have been showing significant potential, informed Munish Sharda.

      At present, the company has around 2,300 people but in this fiscal year, they are planning to hire about 40 front line executives to fulfill the expansion. With more efficient growth, the coming is looking forward to break even in the next fiscal year. For this, the company is improving its bancassurance and channels of digital distribution, informed Sharda. He added that at present, the company has 50:50 ratio. This year, they are hoping for new partnerships with new banks as well as non-banking financial companies.

      13th June 2017

    • GIC Re's IPO will hit the market by the end of FY17

      General Insurance Corporation of India (GIC Re), a state-run reinsurance company showed a premium growth of more than 80% (Rs.33,585 crores in FY17) in its fourth quarter earnings. The reinsurance company boasts a 10% increase in its bottom line growth. The Chairman cum Managing Director of GIC Re, Alice Vaidyan said that the Initial Public Offer (IPO) of GIC Re will hit the market by the end of FY2017.

      31st May 2017

    • Half of Meghalaya population covered under Megha Health Insurance-III

      The Health Minister of Meghalaya, Roshan Warjri, recently declared that almost 50% of the State’s population has been covered so far under the Megha Health Insurance Scheme - Phase III.

      During a day long State Level MHIS Phase III Workshop held recently, the minister urged implementing agencies to set up Help Desks during implementation at empanelled Hospitals, to help MHIS smart cardholders if they face any difficulties.

      According to Warjri, covering the whole state population under the scheme is still quite a challenge.

      Highlighting other challenges in smooth and efficient implementation of the Scheme, Warjri said that there needs to be more awareness created at grassroots levels, in the remotest corners of the State to facilitate more MHIS enrollment.

      Meghalaya Government has an agreement in place with New India Assurance Company Limited, to roll out MHIS Phase III, providing universal healthcare cover to the State population.

      People insured Under MHIS-III Scheme get a Rs.2.8 lakh coverage with an additional Rs.30,000 for Senior Citizens.

      31st May 2017

    • New Health Insurance Plan Being Considered by Puducherry Government

      The government of Puducherry is considering the launch of a new health insurance product that is targeted especially at the economically poorer sections of society. The plan is expected to be launched on a trial basis in Karaikal in Puducherry, according to V Narayansamy, the Chief Minister of the union territory. The next six months are forecast to witness the introduction of this plan in Karaikal after which it will be extended to other areas depending upon how successful it has been in Karaikal. Members of AIADMK, DMK and Congress had earlier raised concerns about the difficulties that trouble the poor patients and their lack of access to treatment for critical conditions in specialty hospitals. This plan is expected to offer much relief to a large section of the Puducherry population.

      30th May 2017

    • MEMG to replace TTK group in Cigna Health

      Manipal Education and Medical Group (MEMG) will buy the stakes held by TTK Group in Cigna TTK Health Insurance. Following this move, MEMG will be the fourth healthcare group to venture into the health insurance domain. MEMG had been interested in expanding out into health insurance for a while, and the opportunity to pick up TTK Group’s stake fit perfectly into the company’s plans. Bloomfield-based Cigna has 26% stake in the joint venture, while the remaining stakes were held by TTK Group.

      Cigna TTK Health Insurance is one of the fastest growing businesses in the industry today, recording a 54% growth in premium in FY17. The company has recently been working on creating a suite of bancassurance products. In line with this, Cigna Health has already tied up with the Andhra Bank and Bank of Maharashtra as distribution centres.

      18th May 2017

    • 17.63 lakh people benefit from health insurance scheme

      A review meeting was conducted by the health department to determine the impact that the chief minister’s health insurance scheme (CMCHIS) has had on the people residing within the boundaries of the western region of Krishnagiri and Nilgiris. Around 450 patients who have received a payout of Rs.4 lakh and more were called in to determine the success of the scheme. Patients who have undergone cochlear transplants, renal transplants, liver transplants, and stem cell therapy were asked to attend the review. Government hospitals are not equipped or prepared to take patients who require these high-end procedures and are thereby forced to search for treatment at private hospitals.

      The CMCHIS scheme was launched by the DMK when they were ruling the state in 2009. The scheme began covering a plethora of medical options when the AIADMK regime began to focus on it. Families whose annual income falls below Rs.72,000 an annum are eligible to avail this scheme. A coverage of Rs.1 lakh or Rs.1.5 lakh (for special ailments) per year. This scheme has been a blessing in disguise as this scheme has come to the aid of over 17.63 lakh people residing in the state.

      18th May 2017

    • IFC to sell entire Max Healthcare stake of 7.5%

      As per a stock market disclosure, International Finance Corp (IFC) will sell the complete 7.5% stake it holds in Max Healthcare for an amount of Rs.423 crore. IFC had acquired the stake in multiple parts, over a period of 10 years. IFC will sell 3.75% stake in Max Healthcare to Max India Ltd. and 3.75% to Life Healthcare Group. After the deal, both Max India and Life Healthcare Group will be holding 49.7% stake in Max Healthcare.

      Max India also announced that it will be raising Rs.300 crore by issuing warrants at Rs.154.76 for each share. During the financial year 2017, Max Healthcare observed a 23% growth in gross revenues.

      17th May 2017

    • Star Health Has Joined Hands with Hero Corporate

      In their recent update, Star Health and Allied Insurance Co Ltd. stated that they have tied-up with Hero Corporate to distribute health insurance policies in India. A Memorandum of Understanding was signed by Anand Roy, marketing head, Star Health, and Shefali Munjal, executive director, Hero Corporate, agreeing that Hero, through its centres will sell Star Health products going forward. Both the companies stated that this decision was made to offer excellent insurance products to customers across the country.

      16th May 2017

    • Maharashtra Govt. Mulling Over Rs.30,000 cover For 3-day hospital stay In Case Of Road Accidents

      The Maharashtra State Finance & Planning Department is mulling over the plan to approve an accident insurance scheme which will provide insured individuals with a sum of Rs.30,000 for a 3-day hospital stay.

      The government is planning of introducing this scheme considering that Maharashtra has one of the highest number of road accidents in India. The objective of this scheme is to cover road accident victims who may or may not belong to the state or even the country. Karnataka was the first state to come up with a similar policy which provides victims with compensation for treatments following a 48-hour hospital stay.

      15th May 2017

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