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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
    rated 4.0/5.0 by 4053 users

    Overview of Plans from Medical Insurance Companies:

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

    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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    Health Insurance is Rated as " Great!" by 4053 Users
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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    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

    • Himachal Pradesh government provides Rs.30,000 top-up coverage to RSBY enrolled senior citizens

      For Rashtriya Swasthya Bima Yojna scheme enrolled individuals aged above 60 years, the Himachal Pradesh state government is offering easy access to curative geriatric healthcare services through a top-up insurance coverage of Rs.30,000. The State Nodal Agency Hp Swasthya Bima Yojana Society will provide this additional coverage till the launch of National Health Protection Scheme. If there is more than one senior citizen per family, then the additional cover will be in multiples of Rs.30,000 per senior citizen on a floater basis.

      The annual add-on premium for the implementation of the Senior Citizen Health Insurance Scheme (SCHIS) is Rs.500 per family. The central and state governments will share the premium in 90:10 ratio under the Trust Model. The same smart card can be used to avail the top-up benefit under SCHIS. As per the fixed guidelines and norms, the beneficiaries of SCHIS can avail cashless treatment in any of the RSBY empanelled hospitals.

      23rd October 2017

    • New Health Insurance Scheme Likely To Be Launched In Manipur

      As per reports, there is a new health insurance policy soon to be launched in the state of Manipur for the benefit of the poor and needy. Speaking at the inaugural session of the 22nd annual conference of the Association of Surgeons of India, Manipur State Chapter (ASIMANICON – 2017), Assam Chief Minister Mr. N.Biren Singh urged the medical fraternity to provide help to those in need. he also stated that the government will not be tolerating harassment of health personnel or damage caused to medical properties.

      He also said that the state government is considering the implementation of an appropriate Act which would help towards the protection of not only medical personnel but medical property as well. During the course of the conference, Mr. Singh assured that necessary steps would be taken towards the improvement of infrastructure in the health sector so that more and more people can benefit from it.

      20th October 2017

    • Launch of The Mukhya Mantri Swasthya Bima Yojana on Nov 15 in Jharkhand

      Chief Minister of Jharkhand, Mr. Raghubar Das announced the launch of the Mukhya Mantri Swasthya Bima Yojana (Chief Minister Health Insurance Scheme). The scheme is all set to be unveiled on 15 Nov 2017 in Ranchi and is expected to cover the whole state by the end of 2017.

      The scheme, which has already been reviewed by the Chief Minister himself, will work to benefit nearly 57 lakh families who are beneficiaries of the National Food Security Act. As per the official release on the scheme, the poor will not be required to incur any costs on their treatment. The entire system under this scheme is based on the cashless mechanism and the beneficiaries would be given cards by the government in order to avail services covered under the scheme.

      The process of availing cover under this health insurance scheme is going to be kept transparent with the help of a dedicated software. Under the scheme, Rs.50,000 will be provided towards secondary care, Rs.2 lakh for special care, and an additional sum of Rs.30,000 will be provided to elderly individuals under the scheme.

      Speaking on the launch of the scheme, the Mr. Das said that all government hospitals, leading private hospitals and nursing homes in Jharkhand will be on the panel under this scheme. Furthermore, the scheme will also cover hospitals located in nearby states where patients are commonly referred.

      18th October 2017

    • Apollo Munich with HDFC Life launch a life and health insurance product combined

      Apollo Munich General Insurance and HDFC Life together have introduced a combination product called Click 2 Protect Health, featuring life and health insurance benefits together. The minimum sum assured is Rs.10 lakh for life insurance with no maximum limit while the maximum limit on sum assured in the case of health insurance is Rs.50 lakh. Those who purchase the combi product can get a 5% discount on the gross premium. The two insurance companies will use their distribution channels to sell the product. Future collaborations on product research and combination products can be expected from these 2 companies.

      17th October 2017

    • Star Health and Allied Insurance kicks off sale process with $1 billion price tag

      The first standalone health insurance company in India, Star Health and Allied Insurance has started the sale plan with a price of $1billion. MAPE Advisory and Kotak Mahindra Bank are working with the management and investors to find potential suitor. ICICI Venture, Tata Capital Growth Fund, Sequoia Capital, Oman Insurance Company, Alpha TC Holdings, ETA Star of Dubai, and Apis Partners are its investors. The management is led by V Jagannathan also has a stake in deciding on the sale of the company.

      Star Health's promoter group has 44% stake out of which 37.5% are domestic investors while 6.16% are foreign investors. The company's paid-up capital stands at Rs.456 crore. Star Health and Allied Insurance has reported Rs.118 crore profit in FY2017. The existing shareholders think that it is the right time to cash out as the valuation benchmark in the insurance industry is established through IPOs.

      16th October 2017

    • By 2020, standalone health insurance market to reach Rs.20,000 crore

      Standalone health insurance companies are expected to grow due to the rising healthcare costs and demand for private health care. The health insurance industry is expected to see a 25% growth over the next 5 years with a market size of Rs.20,000 crore. Ashish Mehrotra, CEO and MD of Max Bupa Health Insurance said that by 2020, the industry will grow double the size and exceed Rs.50,000 crore. Currently, only 27% of the population has health cover. Standalone insurers have the opportunity to serve the unsecured health market bringing in health insurance awareness to the whole of the country.

      13th October 2017

    • 33% growth seen by general insurance industry in FY2017

      The non-life insurance industry was hovering between 0.7-0.8% penetration ratio for several years. In March 2017, the industry increased to 1.4% penetration ratio as per the revised GDP figure. The general insurance industry has grown to Rs.1.27 trillion in FY2017 from Rs.96,000 crore in FY2016 as per the data collected by the General Insurance Council. This growth is mainly due to the Rs.21,000 crore premium contributed by the Prime Minister Crop Insurance Scheme. GDP shows a growth of 7.1% to Rs.121.9 trillion in FY2017 from Rs.113.81 trillion in FY2016. There 28 non-life insurance companies in India. General insurers believe that there is potential to double the penetration ratio to 2% over the next 5 years with the government's support.

      12th October 2017

    • IRDAI lists 200 items of medical expenses not covered by the insurer

      The Insurance Regulatory and Development Authority of India (IRDAI) provides a list of 200 items of medical expenses that are excluded from a health insurance policy and will not be paid by an insurance company. The 200 items fall under administrative expenses, specified medical procedures, and items of personal comfort. Administrative expenses such as admission fees, visitor pass, patient ID bands and tags, discharge cost, entrance pass fee, etc. will not be paid by the insurance company.

      Items of personal comfort such as telephone, laundry, internet, toiletries, cosmetics, television, air-conditioning, housekeeping charges, etc. will not be paid by the insurer. Medical items such as gloves, bandages, contact lenses, hearing aids, gauges, and spectacles are not covered under a health insurance policy.

      Medical procedures such as cosmetic surgeries, weight loss programmes, dental treatments, AIDS, psychiatric treatments, and psychosomatic treatments are not covered by the policy. Evaluation and diagnosis after hospitalisation is not covered under the insurance policy. Treatment that are related to the ailment for which the insured member is hospitalised is not payable by the insurance company.

      11th October 2017

    • Chhattisgarh CM increases limit of free healthcare treatment to Rs.50,000

      Chief Minister of Chhattisgarh, Dr Raman Singh increased the limit of free healthcare treatment using Health Smart Card to Rs.50,000 from Rs.30,000. The new increased limit will become effective from October 2017. Around 55.66 lakh families having Health Smart Cards issued under Rashtriya Swasthya Bima Yojana (RSBY) and Mukhyamantri Swasthya Bima Yojana (MSBY) schemes will get health insurance benefit up to Rs.50,000 per year on a family floater basis for up to 5 members. Beneficiaries can call toll-free number 104 to register complaints with the district Chief Medical Officer. MSBY will be implemented in all the districts to provide health cover for all the uncovered families in Chhattisgarh. A biometric smart card will be issued to the beneficiaries of the MSBY scheme. The state has also initiated RSBY for unorganised workers.

      10th October 2017

    • HDFC ERGO General Insurance plans to launch a global health cover of Rs.2 crore

      Anurag Rastogi, a member of the executive management of HDFC ERGO General Insurance said that the company is ready to launch a global health cover of Rs.2 crore which includes medical treatments in India and overseas. He said that the average age of the insurance company's customers is below 45 years which indicates that individuals have become more conscious about their health from a young age. According to him, high-ticket health insurance policies are in demand because a medical treatment involving surgery in a foreign country like the US or UK would cost minimum Rs.50 lakh to Rs.70 lakh based on the type of hospital, treatment, and duration of hospitalisation.

      9th October 2017

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    Customer Reviews

    • United India Health Insurance
      0.5 4.0/5 "Great!"
      My health Insurance was taken with UNITED health Insurance since my company has a tie up with .Its a corporate Insurance . The tenure period is 1 years and the policy coverage is 1.5 lakhs. I am happy with the benefits and coverage. I get tax benefit and the company has a tie up with good network of hospitals. The customer service and responses was up to the mark. Its recommendable and the experience was satisfactory.
      Was this review helpful? 0
      , indore
      Reviewed on Oct 20, 2017
    • HDFC Ergo Health Insurance
      "Excellent services"
      0.5 5.0/5 "Blown Away!"
      HDFC Ergo is good in their customer service. I hold a health insurance. I had a claim once and since I have the cash less facility. There was no big procedures. I only had to submit my card details. There was no hassles as such. The medical coverage is for 2.5 lakhs.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 19, 2017
    • Bajaj Allianz Health Insurance
      "Can do better"
      0.5 2.0/5 "Expected more"
      At the time of selling the policy Bajaj alliance , I was told that the documentation process is too simple for the health insurance.When I had approached them for the claim experience I got to know that, there were in need of too many documents and the process was complicated too. Where i was told that,i had to just send a mail and it would be taken care off in 10 working days which is completely misleading.
      Was this review helpful? 0
      , lucknow
      Reviewed on Oct 19, 2017
    • HDFC Ergo Health Insurance
      "Good For Health"
      0.5 5.0/5 "Blown Away!"
      For HDFC Ergo, I am paying around Rs.4600 for health insurance, it covers only for me. They gave me medical cover around Rs.5 lakhs. Last three years I don't have any claim experience hence HDFC have increased the bonus benefit totally they gave me medical coverage of Rs.6 lakhs.
      Was this review helpful? 0
      , medak
      Reviewed on Oct 19, 2017
    • Apollo Munich Health Insurance
      "Excellent policy "
      0.5 5.0/5 "Blown Away!"
      I have closed the Apollo Munich health insurance policy which is provided by my company , after I left that company they have closed this policy. This policy covers only myself. I had the mediclaim around of Rs,60,000 . I am happy with their service.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2017
    • ICICI Lombard Health Insurance
      "Good policy "
      0.5 4.0/5 "Great!"
      Holding the ICICI Lombard Health Insurance policy for more than 2years. The customer support is good with ICICI Lombard and they are good in their process. My company has provided me this health insurance policy which is very useful for the health concerns. I am satisfied having the health Insurance policy with ICICI Lombard.
      Was this review helpful? 0
      , pune
      Reviewed on Oct 17, 2017
    • New India Health Insurance
      "Good Investment"
      0.5 4.0/5 "Great!"
      I have this Insurance for quite a while now, which I believe is a good investement on the current times. I am paying about Rs. 5700 a year and getting a coverage of Rs. 3 Lakhs. Their is cashless transaction available and the network of hospitals available is large.
      Was this review helpful? 0
      , faridabad
      Reviewed on Oct 17, 2017
    • Star Health Health Insurance
      "Good Protection"
      0.5 3.0/5 "Satisfactory"
      I pay the premium of Rs. 8500 on yearly basic it give me the medical coverage around Rs. 3 lakhs its covers my entire family member of three persons. I don't have any claim experience, it has tie up with good hospital and cash less facilities are available.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 17, 2017
    • New India Health Insurance
      "Its Average"
      0.5 3.0/5 "Satisfactory"
      I have health insurance with Nation India Assurance, I make the premium around Rs.7000 on yearly, but depend upon the age premium may be vary. It has the different tenure, they gave me the medical coverage of Rs. 5 lakhs, it gives protection for me, spouse, children. Almost they tie up with all hospital.
      Was this review helpful? 0
      , indore
      Reviewed on Oct 17, 2017
    • review Health Insurance
      "average service"
      0.5 3.5/5 "Pretty good"
      I have taken a health insurance service with BHARATHI from my office I have filled which contains all the details of mine so the whole process and the documentation part have been taken cared through my office ,so I am not sure about the other service ,it was a good experience from BHARATHI.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 17, 2017
    • Bajaj Allianz Health Insurance
      "good service"
      0.5 4.0/5 "Great!"
      I have taken my health insurance with BAJAJ it was been 10 years I have taken the insurance ,during the documentation part it was easy also I have got lot of good offers from BAJAJ still I have not avail their offers much I will say the service of BAJAJ is very good for my health insurance service.
      Was this review helpful? 0
      , delhi
      Reviewed on Oct 16, 2017
    • Star Health Health Insurance
      "Good Policy to hold"
      0.5 4.0/5 "Great!"
      As I'm an employee of Bank of Baroda for the last 6 to 7 months the bank is providing me the free health insurance policy from Star Health and Allied Insurance. I have no claim experience so far. This insurance covers me and my spouse. Bank of Baroda pays for this insurance.
      Was this review helpful? 0
      , bikaner
      Reviewed on Oct 16, 2017
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