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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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Cashless Treatment

Customer Service

Medical Coverage

Claim Experience

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Insurance provider
Pre and post hospitalization expenses cover
Pre-existing disease cover
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Key factors to consider before buying Health Insurance


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

Your current age

Lower premium for younger buyers.

Members included

The premium depends on the number of insured members.

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!

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

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.

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.

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.

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

  • Health insurance for senior citizens to see an increase in tax benefits

    Health insurance is crucial card to have post demonetisation. Lack of hard cash and long lines in front of ATMs makes it all the more difficult to withdraw your own money. Currently under section 80D, deductions of Rs.25,000 is allowed for self, dependent children, and spouse and Rs.30,000 for parents. The new budget is expected to encourage the cap to Rs.40,000 for senior citizens. In metro cities, a sum of Rs.10 lakhs is assured for senior citizens who have no pre-existing diseases. In cases of pre-existing diseases, the premium promiseHealth d will vary.

    18th January 2016

  • Private Hospitals Deny Treatments to Patients with Government Health Insurance Schemes

    Healthcare sector of Karnataka is passing through adversities, as private hospitals deny treatments for patients covered under government health insurances. Even the patients enrolled under popular schemes such as Vajpayee Arogya Shree (VAS), Rajiv Arogya Bhagya, and Jyothi Sanjeevini Schemes were not entertained by private healthcare institutions. According to the management of one of the hospitals, private healthcare providers face losses as government fails to clear dues on time and this worsens their health infrastructure. From Monday, super-specialty hospitals in South Karnataka and Udupi districts will not accept government health insurance schemes. Yusuf A Kumble, President of Nursing Homes and Hospital Managements Association, said that the government owes more than 200 crores to a number of multi-specialty hospitals across Karnataka.

    18th January 2017

  • Demonetisation induces self-employed to run for health cover

    With the lack of funds available in hand due to the recent restrictions imposed by demonetisation, the self-employed are now rushing towards health insurance agencies to enquire about health insurance for themselves and their immediate kin. Insurance agencies have seen a 20% increase in the number of health insurance policies that have been purchased in December last year. Cash restrictions on ATM withdrawals and the scarcity of cash in hand has made businessmen to go the cashless route.

    Nikhil Apte, who is the Chief Product Officer-Product Factory (Health) of Royal Sundaram General Insurance has also said that with these restrictions being promoted by demonetisation, people don’t want to be in a position where there is a shortage of cash in the case of an unforeseen medical emergency. Also, employees who are part of a company are offered insurance which would cover them and their immediate kin to a certain amount.

    The self-employed, who don’t come under anyone’s payroll, are approaching health insurance agencies to find out about suitable health insurance products that they could apply for. In a metro city, where even a small surgery could set you back by a few lakhs, people are choosing the safer route of picking up a health insurance policy which would pay its customer upfront rather than later.

    17th January 2017

  • Construction workers in Delhi to get new health insurance policy

    Construction workers in Delhi can now get treatment in private hospitals thanks to the new health insurance policy that was announced by the Delhi government that covers them and their families. Gopal Rai, Delhi Labour Minister, in a meeting with the Construction Workers’ Welfare Board mentioned that health cards will be provided to construction workers and they can avail benefits and treatment for themselves and their families in private hospitals. Close to 1.64 lakh construction workers working in the city will benefit from this policy. Gopal Rai hopes to make sure that every construction worker who’s working in the city will have a health card in their possession and are covered by the new health insurance within the next 6 months.

    16th January 2017

  • Walkers can avail insurance discount offered by Apollo Munich

    Apollo Munich Health Insurance announced today that policyholders who are avid walkers will earn discounts that go up to 8% depending on the distance the policyholder has covered in a year. Apollo Munich is calling this scheme “Stay Active” and policyholders can avail this scheme by downloading the newly launched Health Jinn app which is available for download on their Android or Apple phones. The app is designed to count the number of steps a person takes which is recorded over the course of one year and policyholders are rewarded with 2, 5 or 8% discount on renewal of their health insurance. Apollo Munich recognised that people are looking for ways to get fit but lack the motivation to start and came up with an ingenuous way to help them take the first step in getting fit.

    13th January 2017

  • Commission and rewards for health insurance to be reduced

    A health insurance agent gets 15% of the annual premium while an insurance broker receives 17.5%. This commission is part of the premium paid by a customer. But, in the near future, the commission is standardised for both the agent and the broker and will be capped at 15%. The new rule removes any distinguishing factors between agent and broker. Instead, the new rule promotes insurers to pay rewards instead of commissions. But, these rewards cannot exceed 30% of the commission that’s paid to the insurance intermediaries or insurance agents. Founder of, Deepak Yohannan, stated that these new changes would not lead to an increase in premiums since the cost of acquiring new customers does not fundamentally change.

    10th January 2017

  • IRDAI to permit more reinsurers to launch in India

    The Insurance Regulatory Development Authority of India (IRDAI) is bringing in more reinsurers to set up shop in India, a move that’s set to pose a challenge to the General Insurance Corporation of India (GIC Re). Swiss Re, which is based out of Switzerland, two Germany-based reinsures Hannover Re and Munich Re, France-based Scor SE, and RGA Life Reinsurance Company based out of Canada have been given permission as well as certificates of registration by the IRDAI. United Kingdom’s Lloyd’s will also collectively work in reinsuring various Indian based insurance agencies. Hannover Re CEO Ulrich Wallin stated that he’s delighted with joining the Indian market which provides tremendous potential for individual companies to grow. Projected growth, four times the current size in the next 10 years.

    9th January 2017

  • Meghalaya Health Insurance Scheme to Be Revived By April

    Meghalaya is all set to revive its popular Meghalaya Health Insurance Scheme (MHIS). The 3rd phase of the scheme will cover a wider chunk of the population and offer new facilities such as insurance benefits to a household during hospitalization and annual claims up to the amount of Rs 2 lakh. The government has invested in this scheme and added funds from the Rastriya Swasthya Bima Yojna to it, so that families belonging to Below Poverty Line can be benefited further. The Meghalaya Health Insurance Scheme was first launched in 2012 with tie-up with ICICI Lombard Insurance Company. The second phase of the same scheme was launched in 2015 in association with New India Assurance Company Ltd.

    6th January 2017

  • Health schemes covering only 10% of rural Assam’s households

    According to a survey conducted by the National Family Health Survey-4 (2015-2016), only 10.4% of the households belonging to the rural district of Assam have at least one family member who is covered by a health scheme or is covered by an insurance policy. The Atal Amrit Abhiyan (AAA) scheme, which was rolled out by the state government recently, aims at providing health care through insurance to families which are above and below the poverty line whose annual remuneration is below Rs.5 lakh. This is an improvement from the last survey done in Assam, jumping from 2.3% to 10.4%. Urban Assam fared poorly too with only 12.6% of households being covered by health insurance schemes.

    5th January 2017

  • Civic Employees to receive medical insurance in Nashik

    Civic employees of Nashik will be eligible to receive medical insurance, a move that was recently green-lit by the Nashik Municipal Corporation’s (NMC) standing committee. New India Insurance Company Limited, a Pune based insurance company, will be providing NMC employees with medical insurance. It’s been proposed that NMC will be paying 50% of the premium of the insurance policy which is Rs.1,000 while the remaining Rs.1,000 will be covered by the employee. Mayor Ashok Murtadak has announced that every NMC employee will be covered to the tune of Rs.1,00,000 annually. In the event of the death of a NMC worker or if the person is disabled while on duty, the employee or a nominated family member will be eligible to a payout that amounts to Rs.5 lakhs.

    4th January 2017

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