You need health cover regardless of what you take two at a time - pills or stairs.
Have a question? Leave your email here Thank You! Sorry! That looks invalid. Please try again.

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
Common Loader Icon
Health Insurance is Rated as " Great!" by 3601 Users
 4.0 / 5.0   by 3601 users
Used this product? Write a review >>

Cashless Treatment

Customer Service

Medical Coverage

Claim Experience

rated 4.0 /5.0 by 3601 users
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.

Landing Previous Arrow

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.

Landing Previous Arrow

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.

Landing Previous Arrow

Read Health Insurance news or Enjoy it on the go Google Play

  • 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

  • Incentives to make health insurance universal in India

    TS Vijayan, the Chairman of the IRDAI said that people who are not inclined to take risks with regards to health insurance, have to be wooed through incentives and discount offers. Free health checkups and other discounts will have to be offered to non-risk takers to induce them to buy health insurance. According to Narendra Bhooshan, linking aadhaar with health insurance will be beneficial for the health insurance market. The aadhaar integration process will enable easy identification of beneficiaries, processing of claims, and reimbursement of medical expenses. Digitisation of the health insurance sector is expected to boost the health care system in India.

    3rd January 2017

  • Aditya Birla Health Insurance wants to attain 8 to 10% market share

    Aditya Birla Health Insurance had recently launched several health insurance products under the group, and retail customer segments. The range of products includes a Chronic Care Management programme, designed to cater to patients suffering from chronic lifestyle conditions. The programme covers the costs of hospitalisation, outpatient treatments, medicines, and tests. The insurance company aims to attain 8 to 10% market share over the next 5 years.

    30th December 2016

  • Health insurance coverage rises by 14% in 10 years

    The Indian government health insurance schemes have caused a rise in various health factors over a period of 10 years. Because of insurance coverage, members of SC/ST groups, rural people, and the elderly are now voluntarily seeking tertiary care. As per official data, childbirth in government hospitals has increased by 22%. According to IRDAI data, the premium collected by health insurers during 2015-16 increased by 21.7% to Rs.24,448 crores. 67% of health insurance subscribers are under public insurance companies, while the Centre and state-funded health insurance schemes cover about 37 crore people as of 2014. The increasing insurance penetration has resulted in affordable health care services even in remote areas.

    30th December 2016

Get Latest News on Health Insurance

  • reTH65gcmBgCJ7k - pingdom check string.
    This Page is BLOCKED as it is using Iframes.