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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
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Health Insurance BYTES FROM OUR KITCHEN
rated 4.0 /5.0 by 3564 users
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.

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

  • Star Health Now Allows Agents to Solicit Instant Policies

    Star Health and Allied Insurance Company agents will now be able to instantly solicit health insurance policies instantly after logging into their revamped agents’ portal. The agents can log in to the portal and choose the health insurance plan best suited to the customer, after which the customer will receive a proposal form through email. If the customer wishes to buy the policy, he/she can fill in the form and pay online, with the policy being accepted instantly subject to underwriting.

    This makes it much easier for agents, who had to make multiple trips to the homes of customers to collect documents and complete other formalities. With the new portal, however, they can perform all these tasks as well as verify the information submitted by the customer online.

    2nd December 2016

  • Kerala State Government plans for Universal Health Insurance

    Health Minister of Kerala, Shylaja Teacher, stated that the government is planning to launch a universal health insurance plan with a cap of Rs.2 lakh provision to each patient. The government aims to get 50% of the state’s population equipped with this insurance. The minister was addressing the gathering at the launch of Kanivu, a charitable society for cancer, at the Regional Cancer Centre in Trivandrum.

    The minister also stressed on the need for research in the field of cancer, and the necessity for waste management and pesticide control in agriculture. The Kanivu cancer charitable society was formed to address the needs of cancer patients travelling to RCC for treatment. Some of the needs that will be handled by Kanivu includes travel expenses, accommodation, and food. The centre also intends to provide counselling and rehabilitation to cancer patients and survivors, respectively.

    30th November 2016

  • IRDAI forms committee to finalise order of preference for reinsurance cessions

    The Insurance Regulatory and Development Authority of India has formed a committee to finalise the order of preference for reinsurance cessions. The committee will include representatives from the industries of life, health, and general insurance, as well as officials from prominent insurance companies.

    The committee will also chart the guidelines for the implementation of the process, and this is inclusive of the delegation of responsibilities to all stakeholders. It also plans to decide timelines for the offer of best terms, in the order of preference. The committee plans to come to a conclusion and release a draft report for the same by December 9, 2016.

    29th November 2016

  • The launch of Aditya Birla Health Insurance

    Aditya Birla Financial Services Group has entered into an agreement with South Africa’s MMI Holdings Ltd. to launch their joint venture, Aditya Birla Health Insurance. The company will make an investment of Rs.250 crore initially. While Aditya Birla Financial Services Group plans to hold 51% stakes in the company, MMI Holdings will take over the rest. Aditya Birla Nuvo and MMI Holdings had signed an agreement regarding the joint venture in June last year.

    CEO of the newly formed health insurance company, Mayank Bathwal mentioned that the health insurance business will have nine branches across seven cities in the country. The company also expects to utilise online channels, banks, and brokers to improve their penetration. Additionally, they plan to expand their reach to 100 cities by next year. The company’s rationale for the joint-venture is indicated as the under-penetration of health insurance in India. This is primarily due to the fact that people prefer to opt for corporate coverage as opposed to a comprehensive individual health insurance cover.

    28th November 2016

  • Medication costs in health insurance plans

    The Insurance Regulatory and Development Authority of India (IRDA) has some set guidelines on the inclusion of medication expenses in health insurance plans. Based on the terms and conditions of the product purchased, cost of drugs and medicines may be included under the cover for hospitalisation expenses. Wherever there is a clause that suggests that the product covers pre-hospitalisation and post-hospitalisation costs, medication costs are usually allowed. Some products also offer coverage for expenses incurred through outpatient procedures.

    The Government’s health insurance plan, Rashtriya Swasthya Bima Yojana (RSBY), offers coverage for medical costs and hospitalisation expenses. The medication cost is covered during the time of hospitalisation, and up to a maximum of 5 days after that. Under the scheme, some State Governments are providing additional coverage of up to Rs.7,500 for a family per year for outpatient visits.

    25th November 2016

  • First Ever Family Health Insurance Scheme to be Launched in Andhra Pradesh

    Andhra Pradesh is soon going to become the very first state in India to launch a family health insurance scheme. The initiative, which was recently announced by the chief minister, N Chandrababu Naidu, will begin from January 1, 2017 and allow families to avail health care insurance at a nominal premium of Rs 100 per member.

    Making the announcement for the launch of the program, Chief Minister N Chandrababu Naidu mentioned that Andhra Pradesh the very first Indian state to undertake such an initiative which will strive to provide the best global health insurance practices, but also notable international organizations such as the Bill Gates Foundation, World Health Organisation and several other similar organizations will be a part of the scheme. He promised that best will be introduced. The scheme is estimated to cost Rs 160.56 crore and allocations required for the scheme will be sanctioned in the coming budget.

    24th November 2016

  • Mental Health Bill To Change The Face Of Health Insurance?

    The Mental Health Bill, which was recently passed in the Rajya Sabha and is pending approval in the Lok Sabha, could change the face of health insurance for those with mental illnesses in the country.

    An estimated 15 crore Indians do not have access to health insurance coverage for their mental illnesses. As of now, no insurance company, either private or state-run, covers mental illnesses.

    A study by the National Institute for Mental Health and Neurosciences (NIMHANS) has revealed that a growing percentage of Indians have mental illnesses, which eats into their savings as they have to fund the cost of treatment themselves.

    Mental illnesses like bipolar disorder, depression and severe forms of anxiety can impede daily functioning, making it difficult for afflicted individuals to pursue careers and cover the cost of treatment.

    If the Bill is passed, it would compel insurance companies to cover mental illnesses under health insurance policies.

    23rd November 2016

  • Increase in pollution necessitates health insurance

    The Central Pollution Control Board (CPCB) has shortlisted 41 cities in the country where the level of pollutants in the air are very high. When air pollution is coupled with unhygienic water, there is bound to be an increase in health hazards. To protect yourself against water-borne ailments or cardiovascular diseases, it is important to be adequately covered by a health insurance policy.

    CPCB stated that they have witnessed a 15-18% rise in claims related to ailments arising from water pollution. They have also observed a 12-15% increase in claims related to air pollution. Future Generali India Insurance has reported that claims related to respiratory disorders have increased from 4.3% to 7.5% in the past three years. ICICI Lombard also stated that the number of claims due to ailments arising from the consumption of polluted water has been on the rise. Royal Sundaram General insurance observed that claims for lifestyle diseases are lower in number when compared to claims submitted for communicable diseases.

    It is advisable to be insured by a comprehensive health insurance cover to protect yourself from a number of ailments.

    23rd November 2016

  • New Health Insurance Scheme to be Launched in Jharkhand in December

    The Jharkhand government has announced that it will be launching a new health insurance scheme, called the ‘Mukhyamantri Health Insurance Scheme’ in the month of December. The scheme will cover residents of the state and provide Rs.2.50 lakh cover for general diseases. The scheme will additionally provide Rs.2.50 lakh coverage towards the cost of serious illnesses.

    The scheme, which was originally part of the National Health Insurance Scheme for MNREGA and Below Poverty Line (BPL) individuals, will now be a standalone scheme. Individuals who are under the purview of the National Food Security Act will also be covered under this scheme, which will cover over 2,000 illnesses.

    22nd November 2016

  • Odisha Journalists Receive Health Insurance Coverage to Mark Press Day

    The National Journalist Welfare Board of Odisha has provided journalists in the state with health insurance and pensions as part of the National Press Day commemorations. The pension was provided to journalists above the age of 65 years, while the health insurance was provided to all journalists accredited with the body. The health insurance cover is Rs.25,000 per annum, while the pension provided will be Rs.500 per month. The board expressed the hope that this step will help journalists meet the cost of healthcare incurred while reporting.

    22nd November 2016

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