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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

    Customer Reviews

    • HDFC Ergo Health Insurance
      "Not recommendable "
      0.5 3.0/5 "Satisfactory"
      After I got my credit card I was forced to take the health insurance from HDFC Ergo general insurance. It is a accidental coverage and the medical coverage amount is only for 60K. There are no benefits. I am not happy with the policy and the benefits.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 17, 2017
    • Bajaj Allianz Health Insurance
      "Excellent benefits"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance from Bajaj Allianz general insurance. The customer services are excellent. They send me the reminders on time and the premiums are economical for a customer. The payment options are also convenient online.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 17, 2017
    • Star Health Health Insurance
      "Good Policy to use"
      0.5 5.0/5 "Blown Away!"
      My company has offered me a health insurance policy from star health insurance. I am having this policy for more than 4 years. My company will renew the policy every year. They pay around Rs.5000 to renew the policy. This is an individual policy, it covers only myself. I am happy having a policy with Star health insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Ergo Health Insurance
      "Good coverage"
      0.5 4.0/5 "Great!"
      To the best of my knowledge HDFC ERGO provides good cover on life and accidental. I am holding this health insurance and this was renewed before one year. Premium is very much reasonable it is 9000. It does not provide coverage for critical illness however it provides accidental coverage .
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 14, 2017
    • SBI General Health Insurance
      "Excellent health insurance policy"
      0.5 5.0/5 "Blown Away!"
      With SBI general insurance E- wealth health insurance policy covers the whole family including my parents and my siblings. I am having the health insurance policy with Sbi for past 5 years. I pay Rs.12650 to renew the policy every year. It covers all kind of sickness, accidental coverages as well if any major illness. The Sbi general insurance send Mails,messages to renew the policy before the due date. I renew the policy by paying through cheque.
      Was this review helpful? 0
      , chittorgarh
      Reviewed on Aug 14, 2017
    • United India Health Insurance
      "Beneficial services"
      0.5 5.0/5 "Blown Away!"
      My health insurance is from United India assurance. It is a family floater. The premium is economical and the benefits are good. The customer services are also good because I get the reminders for the payments on time. The medical coverage is for five lakhs. Overall satisfactory.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 14, 2017
    • Religare Health Insurance
      "Third class company/ Never buy policy"
      0.5 0.5/5 "Unacceptable"
      Company take all hard copies and after that again asking for the same documents. Also, will say we have not received. Please never purchase a policy from this company. Very Very Bad experience.......... Third class company.........
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 12, 2017
    • Max Bupa Health Insurance
      "Looking for low premium"
      0.5 2.0/5 "Expected more"
      Its a individual health policy with Max bupa, they taken huge premium but their service is good. I paid the premium around Rs.20,000, its gave me 100% medical coverage expect OP. They got a tie with good network of hospitals.though their premium was good, I felt service is excellent, hence I would like to continue with them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 12, 2017
    • ICICI Lombard Health Insurance
      "ICICI Lombard "
      0.5 0.5/5 "Unacceptable"
      I have joined IT company and applied for ICICI Lombard Health insurance(company's choose). Due to miss-communication between myself and my company, insurance has been applied including all my dependent and premium amount is deducted from my salary. This happened in April 2017 and on May 3rd I have raised cancellation request via my company. 101 days(may 3rd 2017 to Aug 11 2017) completed till today. No informative response for the status. One fine day I have requested for more detailed information about status, and they told a wired answer. "Since my dependent policy is not yet applied/processed, they cant cancel the policy." "So they will apply first and then they will submit request for cancellation." Also they will deduct some% of amount for Service Tax and one month premium amount before cancellations! STILL THE PROCESS WILL TAKE 2 OR 3 WORKING DAYS! STILL I AM WAITING!
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 11, 2017
    • Apollo Munich Health Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      Got the health insurance policy from Apollo Munich. I bought it very recently. I paid Rs.6000 to get this policy . This policy covers only myself . I can say it is an individual health insurance policy., The medical coverage's and the policy benefits are good with this policy so that is the reason I got this policy from Apollo Munich.
      Was this review helpful? 0
      , patna
      Reviewed on Aug 11, 2017
    • New India Health Insurance
      "Below average service"
      0.5 3.0/5 "Satisfactory"
      I got a claim experience from New India assurance health insurance policy and I got the claim of Rs.1lakh from the actual amount of 2laksh. They have disbursed 50% claim. The customer service is poor with New India assurance. The medical claims and the policy coverage's need improvement with New India assurance.
      Was this review helpful? 0
      , vadodara
      Reviewed on Aug 11, 2017
    • Royal Sundaram Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have received a Health Insurance policy from Royal Sundaram general insurance very recently. This policy covers myself and my spouse. This policy was made top up with the amount of Rs.18,000, Every year I need to renew this policy . The plan benefits and the coverage's are good with the policy. I never had any claim experience so far,
      Was this review helpful? 0
      , vadodara
      Reviewed on Aug 11, 2017
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    Health Insurance is Rated as " Great!" by 3837 Users
     4.0 / 5.0   by 3837 users
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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Health Insurance BYTES FROM OUR KITCHEN
    rated 4.0/5.0 by 3837 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.

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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

    • More procedures to be included under the DDSSY medical scheme

      Health Minister Vishwajit Rane has said that the Deen Dayal Swasthya Seve Yojana (DDSSY) medical scheme will be modified to include more hospitals and treatment procedures. Call centres will be set up to help patients with claim-related queries. Over 2.16 lakh families have been enrolled under the DDSSY scheme. In the beginning, the scheme was limited to 417 procedures due to the assumption that the number of patients at the Goa Medical College and Hospital (GMC) will reduce. However, the number of patients has gone up at the GMC. Hence, the government will modify the DDSSY scheme to add more procedures.

      17th August 2017

    • A proposal for health insurance for newborns submitted to Kerala government

      The Indian Academy of Paediatrics (IAP), Kerala chapter, has presented a proposal to the state government for the introduction of a health insurance scheme for newborn babies till the age of one. This scheme will help infants with congenital diseases. Dr. Harish Pillai, CEO of Aster Medcity said that once there is an increase in the number of specialty hospitals for children in the state, they can begin talks with insurance companies to introduce customised insurance products for children. Meanwhile, KIMS Hospital has already introduced a health insurance scheme for newborn babies.

      17th August 2017

    • Public-Private Partnerships (PPP) promoted to improve access to healthcare services

      The government aims to invest 2.5% GDP in healthcare but that target is yet to be achieved. The state governments tie up with private healthcare facilities in order to provide access to decent healthcare services to the unorganised sectors and people in the BPL category. However, according to CII and NATHEALTH (a federation of corporate hospitals, medical technology companies, and other private healthcare companies), there aren't reports of any successful PPPs in healthcare. The government needs to come up with robust PPP models with concrete agreements, strong regulations, and defined outcomes for it to be successful in the healthcare industry.

      11th August 2017

    • 8 LIC policies are exempt from GST

      GST has replaced the Service Tax on insurance policies offered by the Life Insurance Corporation of India (LIC). The GST charge is slightly higher than the ST. GST is levied only on the risk factor and not on the investment part. Therefore, term plans are impacted by GST the most. The term insurance plans, ULIPs, and health insurance plans are charged 18% GST. Premium of life insurance, pension plans and annuity plans are charged 4.5% GST. Single premium for annuity plans is now charged 1.8% GST. Renewal premiums carries 2.25% GST charges.

      Pradhan Mantri Jeevan Jyoti Bima Yojana, Aam Aadmi Bima Yojana, Varishtha Pension Bima Yojana, Janashree Bima Yojana, Life micro-insurance plan approved by IRDAI with a maximum cover of Rs.50,000, Pradhan Mantri Jan Dhan Yojana, Pradhan Mantri Vaya Vandan Yojana, and any other insurance scheme of the state government recommended by the GST Council is exempt from GST.

      9th August 2017

    • Chief Minister Health Insurance Scheme to be launched in Jharkhand on 25th September

      Raghubar Das, the Chief Minister of Jharkhand said that the Chief Minister Health Insurance Scheme will be launched on September 25th which is the birth anniversary of Pandit Deen Dayal Upadhyay. He also said that to eradicate Black Fever, a special campaign is being carried out in the Pakur, Sahibganj, Dumka, and Godda districts. The CM has asked students of Kasturba Girls Residential Schools to conducts an awareness campaign in villages. Schools presenting effective results through the campaign will be awarded Rs.1 lakh. Meanwhile, the Union Health Secretary said that AIIMS would be in operation by 2019 in Deoghar. The CM has urged the central government to invest in making the Central Institute of Psychiatry at Kanke in Ranchi as one of the best medical institutions.

      9th August 2017

    • Haryana state government to launch medical insurance scheme for the poor

      Chief Minister of Haryana, Manohar Lal Khattar said that the state government is launching a medical insurance scheme for the poor. A survey will be conducted from August 1st for the scheme. This scheme is to provide affordable treatment and surgery facility to the economically weaker sections of the society. Under this scheme, the nominal premium will be paid by the patient while the remaining expense will be covered by the insurer. The state government has increased the healthcare budget by 15% and made a provision of Rs.3,839 crore. Haryana CM has urged the Union Health Minister to set-up medical institutes like AIIMS in the Bhiwani district. The Union Minister has said that new hospitals will be constructed in Mahendragarh and Mewat for cancer treatment.

      7th August 2017

    • 15 insurance companies offer policies to cover AYUSH treatment

      On June 28th, Finance Minister Arun Jaitley told the Lok Sabha that according to the IRDAI, 15 standalone and general insurance companies are offering insurance policies to cover one or more systems under the AYUSH treatment. Ayurveda, Yoga, Unani, Siddha, and Homeopathy known as the AYUSH treatments have become popular in India and abroad. Rashtriya Swasthya Bima Yojana and Senior Citizen Health Insurance Scheme doesn’t cover AYUSH treatment or medication.

      7th August 2017

    • General insurance companies witnessed 35% growth in gross direct premium

      The general health insurance industry is experiencing a strong growth across private and public sectors in health insurance, fire insurance, and motor insurance segments. As per the data released by the Insurance Regulatory and Development Authority of India (IRDAI), the industry has witnessed a 22% increase in the first 3 months of this year compared to the previous year.

      In the first quarter, private sector companies showed 28% growth while private sector insurers saw 17.9% growth in gross direct premium. Private sector insurers such as New India Assurance and United India Insurance showed 21.69% and 18.51% growth, respectively. Meanwhile, private insurance companies like ICICI Lombard is in the top with a 9.97% market share, followed by Bajaj Allianz at 5.90%, and HDFC Ergo at 5.10%. Standalone health insurance companies also witnessed an increase in their premium income by 44% in June, 2017.

      2nd August 2017

    • BPL households and unorganised sectors deprived of RSBY in J&K

      Rashtriya Swasthya Bima Yojana (RSBY) is a government sponsored health insurance scheme, launched in 2008 in 20 states to provide low-cost health insurance to Below Poverty Line (BPL) households and workers in unorganised sectors. The Jammu and Kashmir government hasn't requested the Government of India to implement RSBY in the state yet. Thus, depriving lakhs of people from obtaining low-cost health insurance. The out-of-pocket expense for healthcare in J&K is approximately Rs.8,000 in rural areas and Rs.14,000 in urban areas. RSBY covers up to Rs.30,000 p.a. for hospitalisation on family floater basis. It also covers pre-existing conditions and has no age limit for insurance coverage. The Government of India will provide 90% of the funds for RSBY while the state government has to cover the remaining 10%. The beneficiary has to pay Rs.30 every year as an enrollment fee.

      31st July 2017

    • Government proposes PPP model to provide secondary and tertiary healthcare

      Health ministry has proposed a PPP model, wherein the government will partner with the private sector to purchase services for secondary and tertiary healthcare in tier 2 and tier 3 cities. Niti Aayog and Health ministry along with World Bank as a technical partner have proposed a Public-Private Partnership (PPP) model to provide diagnosis and treatment of 2 non-communicable diseases in pulmonary, cardiac sciences, and oncology. The PPP facility will be implemented in 5 to 6 district hospitals in each state with minimum 50 to 100 spare beds in each centre. Patients will be provided minimum screening, diagnosis, and treatment at the PPP facilities.

      27th July 2017

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