• 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
    rated 4.0/5.0 by 4954 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.

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    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.

    Types of Health Insurance Plans in India

    Types of Health Insurance Plans
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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    Health Insurance BYTES FROM OUR KITCHEN

    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.

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

    • Women empowerment scheme ‘Roshini’ launched by Apollo Munich Health Insurance

      Private health insurance provider Apollo Munich Health Insurance, in its endeavour to empower the women from economically weak sections of the society, has launched a scheme known as ‘Roshini’. This flagship initiative is a part of the ‘Making India Health Confident’ campaign and under this, Apollo Munich will deliver paramedic education to around 10,000 women, free of cost. Underprivileged women living in semi-urban areas of India will take part in this health education scheme that will be imparted by Apollo Medskills Ltd.

      The Roshini scheme will not only aim to empower women and the girl child to become skilled and financially independent but also solve the greatest issue faced by the healthcare sector i.e, lack of well-trained paramedics. Through this scheme, Apollo Munich hopes to strengthen the stance of women in the society.

      20 June 2018

    • Private Hospitals in Karnataka Demand Fair Pricing for Procedures under the NHPS

      With the launch date of the National Health Protection Scheme (NHPS) nearing, private hospital management owners and representative of healthcare associations have expressed their disappointment in prices for procedures fixed by the government.

      Members of the NITI Aayog met with representatives of more than 30 private hospitals to discuss the matter. According to the NITI Aayog, the desired break up of procedure prices had not been disclosed by private hospitals and used existing data from state health insurance schemes to determine the cost of the procedures covered in the NHPS. NITI Aayog member, Vinod Paul stated that state governments could choose to increase or decrease the prices set by 10% if needed.

      The NHPS is set to be rolled out on 15 August 2018 and will provide secondary and tertiary level health insurance coverage for hospitalisation for over 1,300 procedures. It is estimated to extend this coverage to approximately 50 crore subscribers.

      19 June 2018

    • Health Insurance Policy with No Cost EMI Introduced by Bajaj Finance

      The major investment arm of Bajaj Finserv, Bajaj Finance Limited has started offering health instruments from a long list of insurance companies. The striking feature about this is that there is no component of EMI involved in the repayments.

      People who are investing in health classifications like Individual Health Insurance, Critical Illness Plan, Family Health Insurance, and so on can enjoy the flexibility of paying their respective premiums through six monthly installments.

      In order to facilitate the whole process, BFL has merged with major insurance leaders of the market such as HDFC Life Insurance Company Limited, Tata AIA General Insurance Company Limited, Future Generali Life Insurance Company Limited, and so on.

      18 June 2018

    • Bajaj Finance Ltd. (BFL) will now offer No Cost EMIs on health insurance products

      Customers can now purchase health insurance products from leading insurance firms and make payments through no-cost EMIs. This option is offered by Bajaj Finance Ltd., the lending and investment wing of Bajaj Finserv. Premium payments can be made by customers through 6 EMIs to purchase health insurance products in the categories of family and individual health insurance, personal accident cover, maternity cover, or health insurance top-up.

      To offer the no cost EMIs, BFL has partnered with top insurers HDFC Life Insurance, Bajaj Allianz General Insurance, Future Generali Life Insurance, Bajaj Allianz Life Insurance, Max Bupa Health Insurance, and TATA AIG General Insurance. This move by BFL will encourage customers who do not buy insurance because of their high premiums, to now buy insurance and make the premium payments through no-cost EMIs.

      16 June 2018

    • Ayushman Bharat to be Launched in Tandem with Health Plans of the State

      Ayushman Bharat is the flagship health programme of the National Health Protection Mission or NHPM. Carried out by the ruling party, BJP, Ayushman Bharat will be launched in accordance with all the healthcare plans of the State. However, health programmes by non-BJP parties will not compromise with their schemes whatsoever.

      Ayushman Bharat, as a preventive healthcare component will act as an alliance with programmes of the State.

      Therefore, Ayushman Bharat in Telangana will be in compliance with Aarogyasri in Tamil Nadu, which will further be in accordance with the Chief Minister’s Comprehensive Health Insurance Scheme. Moreover, this scheme in Maharashtra will be in compliance with Mahatma Jyotiba Phule Jan Arogya Yojana.

      15 June 2018

    • New India Assurance aspires to achieve growth of 18% in premium income

      Government-run insurance provider New India Assurance is looking at achieving a growth of 18% in premium income in the current fiscal. Last year, the insurance provider had earned Rs.26,500 crore as premium income recording a growth of 19%. The company has kept this conservative mark of 18% growth for the current year as opposed to 19% last year as growth in previous years was driven by crop insurance. The public insurer believes that after the launch of the Ayushman Bharat scheme, the growth will surpass its target mark.

      14 June 2018

    • Aditya Birla Health Insurance and Karur Vysya Bank enters into a corporate-agency partnership

      One of India’s leading private lender Karur Vysya Bank has decided to partner with the health insurance wing of Aditya Birla Capital Ltd. - Aditya Birla Health Insurance Co. Ltd. (ABHICL). As a part of this corporate-agency partnership, ABHICL will promote its retail and group products to the consumers of Karur Vysya Bank across its entire its business channels. With the rise in medical treatment costs, this partnership will ensure that the bank’s customers will have access to superior quality healthcare while also helping them lead fitter lives.

      This strategic tie-up is seen by ABHICL as an opportunity to showcase their world-class health insurance products to the customers of Karur Vysya Bank and also leverage the digital and physical assets of the bank to ensure deeper penetration.

      13 June 2018

    • Consortium Led by WestBridge Likely to Invest in Star Health

      A group of investing companies including the renowned WestBridge is said to purchase 93.99% of India’s oldest insurance company - Star Health & Allied Insurance Company. The valuation amount is believed to stand at Rs.6,500 crore.

      Sources have revealed that the deal will most likely be closed in the coming few days. The consortium is said to buy out the said percentage, however the remaining portion will be under the control of shareholders of the ETA trading.

      The division of shares will look something like this - WestBridge being the highest shareholder, is believed to own 51%, Jhunjhunwala is expected to own 33%, Madison will get the remaining 16%. ICICI Lombard was a part of the race initially, however it backed out owing to factors unknown.

      12 June 2018

    • 18% Growth Targeted by New India Assurance for Financial Year 2019

      A major player in the insurance market, New India Assurance recently stated that Financial Year 2019 is going to be highly beneficial and fruitful. They were also reported saying that their focus on the retail business is likely to heighten and they are expected to appoint around 10,000 new agents to the existing team.

      Having a claim settlement ratio of 100%, New India Assurance further said that although the health insurance sector is degrading, it has made significant improvement over the last few years. In the sector of group health insurance policies, the prices/costs are believed to have come down as well.

      New India Assurance’s target for FY 2019 is to launch its flagship insurance policy.

      11 June 2018

    • Six-Member Panel Established for Health Insurance Scheme

      The State Government recently instituted a six-member panel to bring about a brand new health insurance scheme. The panel was established to work out the small details, procedures, and cost surrounding the new health insurance scheme.

      The new health insurance scheme is expected to provide medical protection to thousands of families and incorporate a large number of beneficiaries under its umbrella. Furthermore, it is also believed that the scheme will inculcate Ayushman Bharat -National Health Protection Mission (AB-NHPM) programme which was brought into existence by the Modi Government in the ongoing financial year’s Union Budget.

      9 June 2018

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    Customer Reviews

    • Max Bupa Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with MAX BUPA from last 3 years and it is one of the good policy. It is a family coverage where spouse and children are covered. I pay a premium of Rs 18000 for this health insurance. My claim experience was good and they covered 70% of the billed amount.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 19, 2018
    • Religare Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I was using health insurance policy with Religare from last 2 years, i am happy with the coverage value of this insurance policy. I am satisfied with the claim experience and it was a cashless treatment. I have a coverage value of Rs 3 lakhs for this insurance policy.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jun 19, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I took health insurance from Icici health insurance . I have choose this insurance mainly because of convincing premium with too many benefits . This policy covers Cashless hospitalization. Pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 19, 2018
    • New India Health Insurance
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      New India Assurance was the first health insurance provider with the Employer provided health insurance, They've partnered with the many hospitals in Pan India and also offered protection for the entire family. They were also offering cashless treatment facilities. Overall it has been a smooth experience.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 18, 2018
    • SBI General Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance with SBI general insurance from last 2 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance company. I pay a premium of Rs 50 per month for this insurance policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 18, 2018
    • Star Health Health Insurance
      "Good to have insurance policy"
      0.5 3.0/5 "Satisfactory"
      Idon't have any experience of claim hence i never get a chance to call their customer care. They used to call me for renewing the policy. I can claim about 3.5 lakhs per annum. If i use 10% or not claim the policy, they wont give additional benefits for the next year. Their is a insured amount by 10%. My premium amount will be same but the claim amount they will increase by 10% next year. Cashless treatment is available in this policy
      Was this review helpful? 0
      , noida
      Reviewed on Jun 18, 2018
    • National Insurance Health Insurance
      "Very late back policy"
      0.5 3.0/5 "Satisfactory"
      My company people have taken health insurance policy to the employees. Once i have claimed the policy for my mother. The service is not good as per experience. They have a separate hospital list, in that they have mentioned cashless facility is available but when i went for those hospital, they said their is no cashless facility for this insurance. They will not response from the National Health insurance. The number will keep on ringing. After that my company asked me to send the bill. But i never done to this company. The claim is very low which is less than 20000.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 18, 2018
    • Religare Health Insurance
      "BEST"
      0.5 4.0/5 "Great!"
      From past 7months i am using this health insurance. Documents i have done through the on line. The coverage is for 10k. Per annual i pay of rupees 7-8k. Disease coverage is there. Free medical checkup once in a year is also available in my insurance.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 17, 2018
    • New India Health Insurance
      "Chatting with customer at clamp time"
      0.5 0.5/5 "Unacceptable"
      This is a type of fraud company.This does not pass the claim.When they go to the customer to make a claim, it only rotates it, this time of direction can be more than 8 months.thay do not have any response anymore, only you have to call them these times and you have to consider the information.Out of which it does not raise your phone more than half the time. Each time they constantly ask for something new, they never tell you once and after 8 or 9 months of the final, you cancel your claim according to the new rule.They do not deliberately describe the whole processor, either by either losing the customer tired or in the last. I will request all individual personal and special corporate offices to never do any bonding with this type of company.Because the new rules which it says in 8 or 9 months, how will the customer know at first sight, they deliberately conceal the rules so that the customer does not get disturbed and do not claim.
      Was this review helpful? 0
      , neemuch
      Reviewed on Jun 16, 2018
    • National Insurance Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy from the National Insurance. I am paying the premium of 1400 per year. You can claim this policy at any network hospitals in the country. The need to nofity the customers about the partnered hospitals. If they have tie up with the a new hospital they need to send updates to the customers or publish it on their website.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 16, 2018
    • Star Health Health Insurance
      "Average Service"
      0.5 2.0/5 "Expected more"
      I'm using the Star Health insurance policy. I do not have any claim experience yet. I pay a premium of 8000 Per year. They don't send any renewal notifications. Their Service is good. The coverage is 1 lac for whole family per year. They need to improve their notifications and keep the customer posted about important dates.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 16, 2018
    • Royal Sundaram Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've been using the health insurance policy from Royal Sundaram for a while. I am paying the premium of 8000, many of my friends recommended Royal Sundaram. I never had any claim experience with the policy. Overall it has been a smooth experience. I'll have to wait and see how they respond to my requirement in future.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 16, 2018
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