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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
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    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

    • CM Instructs Mapping of District Medical Facilities of Maharashtra

      In a bid to determine the shortcomings of the district medical facilities within the state, Chief Minister of Maharashtra, Devendra Fadnavis, has directed the mapping of these units. To this end, he has asked the officials to enlist the help of consultants in implementing the required measures that will help improve these facilities. These directives were issued during a review meeting of the Health Department of Maharashtra. Furthermore, the Chief Minister’s Office (CMO) mentioned in a statement that the Chief Minister has also directed the officials to make sure that the process of implementation of the Ayushman Bharat and Mahatma Phule Jan Arogya Yojana (MPJAY) is carried out smoothly. Formerly known as the Rajiv Gandhi Jeevandayee Arogya Yojana (RGJAY), the MPJAY is a flagship health insurance scheme introduced by the Maharashtra Government. He has also instructed to increase the purchase limit of emergency medicines to Rs.1 lakh from the previous Rs.5,000 for the Deans of Medical Colleges. In addition to the strengthening of Haffkine Corporation, Fadnavis has also directed to increase the local purchase limit from the present 10% to 25% to ensure that there is no shortage of medicines in such facilities.

      Offering coverage up to Rs.5 lakh per year for each family, ‘Ayushman Bharat’ is a national health protection scheme that targets to provide coverage to more than 10 crore destitute and vulnerable families. This includes offering secondary and tertiary care hospitalisation coverage to approximately 50 crore beneficiaries.

      14 August 2018

    • Ayushman Bharat Witnesses a Loss of Beneficiaries in the First List

      Of the total 107.4 million poor population, more than 6.5 million people are untraceable or missing to apply for the ‘Modicare’ initiative - Ayushman Bharat National Health Protection Mission. The Modi Government had undertaken this initiative in order to provide free medical care to the underprivileged and poor segments of the society.

      Taking an average of five members per family, the total number of benefits transferred in the current scenario under the scheme will be close to 32.5 million people. The ever popular health insurance scheme is expected to make its entry on 15 August 2018.

      In simple terms, the main objective of Ayushman Bharat is providing hospitalisation and medical cover worth Rs.5 lakh per family. These families will have to be registered and listed in the socio-economic caste census database or SECC. The missing families that have reported under the scheme are those who have moved away since the last census, which was conducted in the year 2011.

      The state of Uttar Pradesh is the one that has the maximum number of missing families. Following Uttar Pradesh, is the state of Bihar with a missing population of about 2.17 million.

      13 August 2018

    • Free of Cost Cardiac Surgeries for Underprivileged Children

      In an effort to make a humanitarian move in a selfless manner for the benefit of the society, Apollo Munich announced that it will henceforth provide free cardiac check-ups and surgeries for underprivileged children all across India.

      This move is believed to be benefitting more than a 100 underprivileged children who are at a risk of contracting heart diseases, owing to below average lifestyle habits and living conditions. This initiative is supposed to be in association with the Lions Club International - Apollo Hospitals Partnership Programme, under which the former is expected to refer patients who are under 12 years of age for free cardiac operations on 100 of the most serious illnesses.

      Apollo Munich founder, Dr. Reddy was conferred with a humanitarian award - Lions Humanitarian Award recently. This award was presented to him to highlight his brilliant work with respect to increasing affordability and accessibility of superior healthcare amongst the underprivileged lot in India, thereby bringing it within the reach of millions, geographically and economically.

      Under the blessed guidance of Dr. Reddy, the officials at Apollo Munich have been able to devise flawless technology that will effortlessly transcend healthcare from just the riches to the masses. In the very heart and soul of India, this move will genuinely benefit the semi urban and rural population.

      12 August 2018

    • Modicare Second Half to be Implemented in the State of Rajasthan

      Rajasthan recently denied implementation of the first part of Modi’s ambitious health insurance scheme - Ayushman Bharat-National Healthcare Protection Scheme. After having done so, it is reportedly been said that the state will most likely take efforts to implement the second part of Ayushman Bharat.

      The second component of the health insurance scheme will evidently incorporate healthcare facilities and provide them through rural area based wellness centres. In order to facilitate this move, the State Government has evidently initiated a transformation process pertaining to its 629 health sub-centres which will henceforth become Health Wellness Centres (HWCs). The reason why Rajasthan did not implement the first component of Ayushman Bharat is because Bhamashah Swasthya Bima Yojana has already been implemented in 2015 that has similar features as Ayushman Bharat.

      In the string of Government’s healthcare establishments, health sub-centres fall in the last of the line. Barring hospitals that have associations with medical colleges, district colleges rank first in the list that encompasses hierarchy of healthcare centres, which is followed by sub district hospitals, primary healthcare centres, community health centres, and health centres.

      Nurse midwives are the ones that usually head these health sub-centres. After the implementation of the second component, these health centres will thereby be referred to as HWCs. Community Health Officers (CHOs) will head wellness centres.

      11 August 2018

    • Tamil Nadu Pensioners Receive a Hike on Their Health Covers

      The Tamil Nadu Government has brought in a wave of new opportunities in the sector of health insurance. In a bid to enhance the medical services provided to pensioners of the state, Tamil Nadu state government has increased the health cover of each of these pensioners from Rs.2 lakh to Rs.4 lakh.

      This means that any medical treatment or surgery upto the amount of Rs.4 lakh can be availed for free by pensioners in Tamil Nadu. This initiative will supposedly last for a period of about 4 years - that means upto the year 2022.

      The State Finance Secretary, Mr. K Shanmugam stated that the increase in the amount of health cover will most likely benefit more than 7 lakh people, which is a huge number. Furthermore, financial support for treatments of illnesses such as cancer, etc. has been increased to Rs.7.5 lakh. The financial assistance for cataract treatments has been capped at Rs.20,000.

      The number of empanelled hospitals where people can avail medical services without cash has also undergone a tremendous hike. Where the number of cashless hospitals in the year 2014 was 635, this number currently stands at 913. This number is inclusive of all Government hospitals and medical establishments under the Chief Minister’s Comprehensive Health Insurance Scheme.

      10 August 2018

    • Arogya Arunachal Yojana will replace Universal Health Insurance Programme In Arunachal Pradesh

      The Chief Minister of Arunachal Pradesh, Pema Khandu has launched the CM’s Arogya Arunachal Yojana (CMAAY) recently. The CMAAY is a health insurance scheme that helps citizens get cashless health facilities in certain hospitals through a web-based software that is developed and implemented by a third party administrator. This insurance programme is expected to replace the CM’s Universal Health Insurance Scheme.

      CMAAY is aligned with the Centre’s Ayushman Bharat National Health Protection Mission. The vision of the scheme is to provide health insurance of up to Rs.5 lakh for each family on an annual basis, hence ensuring universal health care is offered to all by the year 2020. The CM said that the success of the scheme is in its implementation and continuation. The CM has also directed the finance commissioner and chief secretary to make sure that there are no delays in the release of funds.

      The scheme is expected to be launched on Independence Day this year.

      9 August 2018

    • Health insurance clauses to be studied by the IRDAI panel

      The Insurance Regulatory and Development Authority of India (IRDAI) has put together a working group for reviewing and standardising health insurance exclusions. It has created a 10-member panel to examine the exclusions in health insurance policies and understand the type of exclusions that are not valid. The exclusions will be rationalised and the redundant ones will be removed. This will improve the scope of the policy coverage as well.

      The group will look to revise the coverage so that technologically advanced treatments and new modalities of treatments are disallowed. The group will also study the language of the exclusions and simplify it. The scope for allowing individual or specific exclusions will be studied as well.

      The working group will include several prominent personalities as its members.

      8 August 2018

    • 27 hospitals de-empanelled from health insurance programme by Maharashtra govt.

      27 private hospitals have been de-empanelled from Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY), the state government’s health insurance scheme, by the Maharashtra government. The move was a result of officials unearthing low performance issues, record manipulation, and complaints of money being charged from patients. This is the highest figure for hospitals being de-empanelled in a single shot since 2012.

      The Chief Operating Officer of MPJAY mentioned that hospitals were issued several reminders before the de-empanelment. 7 of the hospitals that were issued notices have been de-empanelled in the last meeting. 8 hospitals have been provided a second chance, while 6 are in suspension. The state insurance plan offers coverage of Rs.1.5 lakh for 2.25 crore people in the state of Maharashtra.

      12 out of the 27 hospitals de-empanelled had issues of low performance and few beds. Also, 3 of the hospitals were not actively implementing the scheme.

      7 August 2018

    • Odisha declares that all BKKY and RSBY families will be provided life insurance coverage

      The Odisha government has declared that all BBKY and RSBY households will be moved to a platform wherein they will receive health insurance coverage worth Rs.1 lakh. The decision was announced at the state Cabinet meeting attended by the Chief Minister, Naveen Patnaik.

      The BKKY health insurance programme aims to provide health insurance coverage for the families of farmers in the state. The coverage consists of two types, i.e., BKKY Stream one and BKKY Stream two.

      Under the BKKY Stream one coverage, insurance protection is offered to all enrolled families up to Rs.30,000 per family per annum. A top-up coverage of Rs.70,000 on an annual basis is also offered to each family for specific procedures and surgeries.

      Under the BKKY Stream two coverage, RSBY families are offered a health insurance card. Each family receives additional coverage of Rs.70,000 per year for specific procedures and surgeries.

      6 August 2018

    • Premium collection for general insurance goes up in Q1

      General insurance premium collections for the first quarter of FY 2018-19 grew by 12.2% to stand at Rs.37,349.40 crore. The figures for the same quarter last fiscal was Rs.33,287.04 crore.

      As per IRDA statistics, the underwritten premium for standalone private health insurance companies saw a growth of 36.31% to Rs.1,977.84 crore in Q1 of FY19. This figure stood at Rs.1,45,103 crore in Q1 of FY18.

      The premium collection figures were the highest for New India Assurance Company Limited, at Rs.6,283.09 crore. This was followed by United India Insurance Company Limited with figures of Rs.3,611.31 crore.

      The overall premium for June 2018 was reported to be Rs.12,974.50 crore. The premium for June 2017 was Rs.11,495.83 crore, said IRDA statistics.

      5 August 2018

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    Customer Reviews

    • Bajaj Allianz Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with Bajaj Allianz from last 1 year, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. I pay a premium of Rs 4000 and the coverage value of this insurance policy is 3 lakhs.
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      , chennai
      Reviewed on Aug 17, 2018
    • United India Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I hold a health insurance policy with United India Insurance from last 1 year, I pay a premium of Rs 200 on yearly basis. I have not claimed anything so far from this insurance policy. The policy covers up to Rs 2 lakhs and it is individual policy.
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      , hyderabad
      Reviewed on Aug 17, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insured with ICICI Lombard from last 2 months, i am happy with the coverage value of this insurance policy and they cover up to Rs 4 lakhs. I have no claim experience so far with this insurance policy and i pay a premium of Rs 10000 for this insurance policy.
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      , hyderabad
      Reviewed on Aug 17, 2018
    • National Insurance Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've a health insurance policy with the National Insurance. I am paying a premium 11.5 K per year. The policy for the entire family. There hasn't been any claim experience with the policy yet and it offers an annual coverage of 5 lacs anywhere in India.
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      , vadodara
      Reviewed on Aug 16, 2018
    • review Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've health insurance policy with the IFFco Tokyo. I am paying a premium of 8000as Joining fee. The policy is for entire family. The annual coverage of the policy, 15-20 Lacs. So far in terms of the policy benefits it is a recommendable policy to have.
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      , hyderabad
      Reviewed on Aug 16, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 3.5/5 "Pretty good"
      I've a health insurance policy with the ICICI Lombard. I am paying a premium of 22000 for the entire family per year. I do not have any claim experience with the policy so far and I'll have to wait and see two they respond to my claims in case if I will have any.
      Was this review helpful? 1
      , new delhi
      Reviewed on Aug 13, 2018
    • review Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the Aditya Birla health Insurance Co. I am paying a premium of 4000, this policy is only for me as I have employer provided group medi-claim for the entire family. I do have a claim experience with the policy where I availed a cashless hospitalization benefits of 2 lacs.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 13, 2018
    • National Insurance Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      It is a corporate policy with national insurance. I have my health insurance with them. The coverage is for my family and I. The medical coverage is also good. I have the medical cards too. Fortunately I have no claim experience to use the policy.
      Was this review helpful? 0
      , jamnagar
      Reviewed on Aug 11, 2018
    • Apollo Munich Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have my health insurance policy with Apollo Munich from last 6 years, i am happy with the coverage value of this insurance policy. I have not claimed anything so far from this insurance policy. A premium of Rs 7500 has to be paid for this insurance policy.
      Was this review helpful? 1
      , chennai
      Reviewed on Aug 11, 2018
    • Star Health Health Insurance
      "Worst Company Ever Star Health"
      0.5 0.5/5 "Unacceptable"
      After 5 years of continous coverage and premium , my wife was recently has to go Endoscopy operation . To my surpise the STAR co. refused to pay claim and till date i am trying to check each centre and putting up mails to process my claim. The Group is HELL and i don't recommend anyone . No Customer Support update and the backsupport team are the Worst.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Aug 11, 2018
    • United India Health Insurance
      "Good "
      0.5 5.0/5 "Blown Away!"
      I have a corporate insurance from United India Insurance. It is a health policy and it is for my family and I. Though I have no used the policy, the benefits are good, they have given me the medical cards and also the medical coverage is good. The net work of hospitals are good too.
      Was this review helpful? 1
      , guwahati
      Reviewed on Aug 09, 2018
    • HDFC Ergo Health Insurance
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      I have taken a accidental and health policy with HDFC Ergo. I got this benefit from HDFC Bank when I was provided with the credit card. The best is I paid a premium only for one year but the tenure for the policy is two years. The medical coverage is for ten lakhs.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 09, 2018
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