• 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 4773 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.

    Landing Previous Arrow

    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.

    Landing Previous Arrow

    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.

    Landing Previous Arrow
    Health Insurance is Rated as " Great!" by 4773 Users
     4.0 / 5.0   by 4773 users
    Used this product? Write a review >>

    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

    • 60% of LIC’s cancer insurance sold in 4 states

      Country’s leading public insurer, Life Insurance Corporation of India (LIC) had recently launched a health insurance plan for cancer patients and till now has sold more than 90,000 policies. In this, 60% of the policies were sold in the 4 states of India - Tamil Nadu, Maharashtra, Kerala, and Gujarat. Surveys have revealed that these states have the highest number of people affected by non-communicable diseases in the country.

      According to the data revealed by the Indian Council of Medical Research (ICMR), there were around 4 million cases of cancer in India during 2016 out of which Maharashtra, Uttar Pradesh, and Bihar fared the worst. The ICMR also predicted that by 2020, the number of new cancer cases in India will rise to 1.73 million and would result in around 8,80,000 cases.

      20 April 2018

    • Superior healthcare delivery honoured by India News Health Awards

      The Union Health Minister of India, Mr. J.P Nadda recently graced the second edition of the India News Health Awards 2018 to commemorate the remarkable contributions of innovators and visionaries in the gamut of healthcare delivery. These visionaries and innovators have been touching lives, creating sustainable health solutions, and leading teams that impel triumphant healthcare strategies. The event was attended by top medical practitioners, political decision-makers, media professionals, and bureaucrats in the country.

      The award winners were picked by an esteemed panel consisting of the editorial board members of the iTV Network. Dr. Ortho was the presenting sponsor of the event while the health insurance partner was Max Bupa Health Insurance.

      19 April 2018

    • Indian Medical Association demands revision in insurance package rates

      With the recent revisions in the Minimum Wages Act, 1948 for the benefit of employees of private healthcare centres and nursing homes, the Indian Medical Association (IMA) has now demanded a revision in the operation rates. The demands were put across to the state government and private insurance providers. A representative of IMA has stated that for a decade now, the package rates under the Chief Minister’s Comprehensive Health Insurance Scheme hasn’t been revised and with the exorbitant rise in management costs, private hospitals are facing a financial burden. Also, insurance companies cover only 30% of the total medical costs thereby adding to the financial woes of the private hospitals.

      Recently, the labour department of the state had fixed the lower slab of wages for the private hospital employees and as per the doctors, the amount is insufficient to pay the salary of the staff. The private hospitals have also been asked by insurance companies to increase the staff strength to meet the Indian Public Health (IPH) and Indian Nursing Council (INC) standards making the expenditure even higher.

      18 April 2018

    • Vice President identifies the need for affordable healthcare in rural areas

      The Vice President of India, Mr. Venkaiah Naidu in his recent visit to the Rajiv Gandhi University of Health Sciences (RGUHS) in Bangalore has expressed his concern over the dire scarcity of doctors and lack of decent healthcare facilities in the non-urban sections of the country. He has hence, called for a Public-Private-Partnership (PPP) model for offering affordable healthcare facilities to the vulnerable sections of the society, living in rural areas. Mr. Naidu has stated that at the moment, India has 2 sides - the urban side that has access to state-of-the-art facilities and the rural side that lacks access to basic facilities.

      He further stated that for a country with 130 crore population, there is only one doctor per 1,000 persons giving the rural areas limited access to affordable treatments and that the widening urban-rural gap needs to be addressed immediately. Mr. Naidu also said that the healthcare delivery in the country needs to transform at all stages i.e, prevention, prognosis, and remedy.

      17 April 2018

    • SBI General Insurance hopes to erase losses in the current fiscal

      SBI General Insurance, the insurance wing of India’s largest bank, State Bank of India (SBI) hopes to list itself on the stock exchanges after erasing the accumulated losses in the current financial year (2018-19). The company had reported a Rs.120 crore loss in the previous year but after earning Rs.153 crore net profit in March 2018 fiscal, the company has managed to breakeven. By the end of the current fiscal, it expects to make up for the losses and will then look at listing itself on stock exchanges.

      The company, SBI General Insurance is a joint venture between SBI and IAG, a leading insurance provider in Australia registered a 36% growth in the last fiscal and feels that the launch of the National Health Protection Scheme (NHPS) will transform the complete dynamics of India’s health insurance segment.

      17 April 2018

    • Prime Minister to launch wellness and health centre in Chhattisgarh

      As part of the National Health Protection Scheme (NHPS) or Ayushman Bharat scheme, the Prime Minister (PM) of India, Mr. Narendra Modi will launch a wellness and health centre in Bijapur, Chhattisgarh on 14 April 2018. The launch will be a part of his visit to the Jangala Development Hub, which falls under a panchayat that has evolved as a ‘model panchayat’. During the course of the visit, the PM will interact with the local people, people who are ‘champions of change’ including the district administration officials who are responsible for the panchayat doing well despite all odds.

      With the launch of the wellness and health centre in the state, Chhattisgarh will pave its way to a robust healthcare system which will in turn, strengthen the nation’s overall healthcare system. The Ayushman Bharat scheme intends to cover more than 40% of India’s population under the insurance umbrella while also establishing a network of health centres to administer comprehensive healthcare facilities.

      16 April 2018

    • Shares of HDFC soar due to the buzz of it acquiring Apollo Munich

      After the news of HDFC acquiring Apollo Munich has come to light, the shares of the company touched a high of Rs.1,846.20 and a low of Rs.1,828.60. The shares opened at Rs.1830.05 and eventually closed at Rs.1836,60. On the Bombay Stock Exchange (BSE), the shares were up by 0.32%. HDFC, the largest mortgage lender in the country, is in advanced talks to acquire Apollo Munich at a price of Rs.1,000 crore. Apollo Munich is a joint venture between Apollo and Munich Re, a leading insurance provider in Europe. HDFC has a tie-up in the health insurance space with Ergo International AG which is also a part of the Munich Re Group making the merger talks smooth.

      14 April 2018

    • Union Ministry of Health urges states to adopt Clinical Establishment Act

      To streamline healthcare facilities in the country before the roll-out of the ambitious National Health Protection Scheme (NHPS), the Union Ministry of Health has urged states to ratify the Clinical Establishment Act. The NHPS intends to offer medical coverage of Rs.5 lakh per household per year to over 10 crore households in India and is expected to be rolled-out by the end of July.

      The Health Ministry has expressed that the states will play an integral part in the implementation of the NHPS and that the Act should be adopted before its launch to ensure that all required checks are completed. The Act is applicable across all clinical establishments, both private and public.

      13 April 2018

    • HDFC eyes on buying Apollo Munich insurance

      HDFC, India’s third largest insurer in the private insurance segment, is in the last rounds of talks for the acquisition of Apollo Munich Health Insurance Co. which is valued at Rs.1,000 crore. Apollo Munich is a joint venture of Apollo Hospitals and Munich Re Group of Germany while HDFC Ergo is a joint venture of HDFC with Ergo, which is also a part of the same Munich Re Group. Earlier this year, HDFC had raised Rs.13,000 crore and previously, it had acquired L&T General Insurance.

      Apollo Munich has a market share of 1.08% and is the nation’s second largest standalone health insurer showing a growth of 31% collecting a gross premium of Rs.1,446 crore for the period April 2017 to February 2018.

      12 April 2018

    • Arogya Karnataka to continue using the services of insurance providers

      Insurance providers in Karnataka are fearing that due to Arogya Karnataka, the flagship universal health insurance scheme, the multi-crore health insurance industry may run out of business. However, the SAST officials have assured them otherwise. SAST is the agency that takes care of the execution of the Arogya Karnataka scheme and it has assured insurance firms that there is no reason to worry as the scheme doesn’t cover everything. Insurers have been advised to offer top-up policies to the APL patients since the government only bears 30% of the treatment costs.

      Arogya Karnataka also does not cover accidents, trauma cases, and people travelling outside the state and hence, insurance firms can fill in the gap by offering cover in such cases. Also, the scheme only offers tertiary healthcare services in 10 government hospitals while insurance providers offer broader coverage of network hospitals.

      10 April 2018

    Get Latest News on Health Insurance

    Customer Reviews

    • Star Health Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance with Star health from last 2 years, i pay an insurance premium of Rs 11000 every year. I get a good coverage value of Rs 5 lakhs for this health insurance policy. I have not claimed anything so far with this insurance policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2018
    • Apollo Munich Health Insurance
      "best experience"
      0.5 3.0/5 "Satisfactory"
      I had taken a Health insurance policy from the top most private sector insurance company APOLLO MUNICH. Most of all benefits are covered under one policy, so no need to top up my insurance plan. I had received my health card and my policy document by mail. They have a good network with a best corporate hospitals.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 20, 2018
    • Religare Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have my health insured with Religare health 4 months back, i am happy with the coverage value of this insurance policy. A premium of Rs 8000 has to be paid every year for this health insurance. I do not have claim experience so far with this insurance and they cover Rs 5 lakhs for this insurance.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Apr 20, 2018
    • Max Bupa Health Insurance
      "very good policy"
      0.5 5.0/5 "Blown Away!"
      I had taken a Health insurance policy from the top most private sector insurance company MAX BUPA. Most of all benefits are covered under one policy, so no need to top up my insurance plan. I had received my health card and my policy document by mail. They have a good network with a best corporate hospitals.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2018
    • Religare Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      From RELIGARE Health i have taken the health insurance. They provide cashless facility. There is no claim experience with them. There is health check up available on the insurance policy. Its an individual policy.The customer service and response is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 20, 2018
    • Bajaj Allianz Health Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I am having the BAJAJ ALLIANZ health insurance policy around a year ago. The customer support service is good with the BAJAJ ALLIANZ GENERAL INSURANCE company. I need to pay the premium amount of Rs,13,000 every year once. This policy covers 3 members in my family. This policy has the medical coverage of Rs,3,00,000 which can be used be all three members.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 19, 2018
    • United India Health Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have a health insurance policy with United India Insurance from last 5-6 years, my claim experience was not up to the mark as they covered only 40% of the billed amount. I have a coverage value of Rs 3 lakhs and i pay a premium of Rs 3200 for this insurance.
      Was this review helpful? 0
      , surat
      Reviewed on Apr 19, 2018
    • HDFC Ergo Health Insurance
      "best policy"
      0.5 4.0/5 "Great!"
      I had taken a health insurance policy from the public sector insurance company HDFC ERGO GENERAL INSURANCE. My annual premium amount is reasonable by comparing with other premiums. I did not received my policy document by mail and hard copy too. I contacted the customer care to courier my health card to my registered communication address.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    • Apollo Munich Health Insurance
      "extra ordinary experience"
      0.5 5.0/5 "Blown Away!"
      I had taken a health insurance policy from the top most private sector insurance company APOLLO MUNICH. They couriered my health card to my registered communication address. They have a good network with corporate hospitals. I had a good positive claim experience and i claimed nearly 95% of billed amount.extra ordinary experience
      Was this review helpful? 0
      , coimbatore
      Reviewed on Apr 18, 2018
    • New India Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have no claim experience so far with the health insurance, i am using this insurance from last 1-2 years and i am not aware of the premium amount as my company pays it. The coverage value of this insurance policy is 3-4 lakhs and i am satisfied with it.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 18, 2018
    • Star Health Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      Holding the health insurance policy from the STAR HEALTH & ALLIED INSURANCE company and I have got this policy on 2013. I pay Rs,16,000 every year to renew the policy. This policy covers 4members in my family . Star health insurance policy has the medical coverage up to Rs,10,00,000,.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 18, 2018
    • Bajaj Allianz Health Insurance
      "Good health insurance policy"
      0.5 3.0/5 "Satisfactory"
      I have got the health insurance policy from the bajaj and this policy covers only one member which is myself actually it is a self policy . I pay the premium amount in every month on month . I pay Rs,15000 to this policy. This policy has the medical coverage up to 5lakhs and I am satisfied with it.
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 18, 2018
    Common Loader Icon
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.