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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
    Conditions apply, subject to Insurer's discretion
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    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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    Read Health Insurance news or Enjoy it on the go Google Play

    • People in smaller towns to pay lesser for health insurance compared to metro citizens

      Small town dwellers will end up paying less for health insurance when compared to their counterparts in metro cities. Private insurers are planning on introducing different rates for health insurance depending on where the customer is located. This move is aimed at increasing the number of people who opt for health insurance. Currently, people in smaller towns do not pick up a health insurance policy because they find the price of the policy too high to afford. At the moment, only 17% of India’s population owns some form of health insurance. Several insurance companies like Apollo Munich Health Insurance and Bajaj Allianz have started charging different rates to people who reside in metros and rural areas. According to a study, around 80% of expenses due to health care is paid from the pockets of the people who sometimes are forced to sell their assets and dip into their savings. Insurance agencies are now striving to prevent this from happening.

      24th February 2017

    • Actuary panels to be set up by the IRDA for life and general insurers

      IRDA will soon form a panel of analysts who will be able to engage actuaries in the same way how general and life insurance companies have been doing. The Insurance Regulatory and Development Authority of India (IRDA) has now invited bids for employing analysts to help create a “Panel of Actuaries”. There are plans to form separate panels for general and life insurance which would also include health insurance as well.

      Appointed Actuaries (AA) will have the responsibility of estimating the solvency margin and reserves at the end of the fiscal year. They will also be responsible for preparing reports which are required under the present regulations in respect to one or more insurance agencies.

      22nd February 2017

    • Increase in the Average Health Insurance Cover Provided by Employers

      It has been observed that the average health insurance coverage offered by employers has increased from Rs.3 lakhs to Rs.3.5 lakhs in the past five years. Also, the room rent cover during hospitalization has hiked considerably. Another pattern that’s building up in the health insurance realm is that, more employees are opting for group covers offered by employing organizations. On the other hand, insurance companies have been increasing rates on a periodic basis due to the high claims received each year. Employers are trying to counterbalance the rate hikes in insurance premiums by placing more restrictions in their offerings. Based on a survey report, only 35% of the organizations provide complete coverage for parents.

      18th February 2017

    • Insurers Seek a Hike in Health Insurance Premiums

      Insurance companies seek an upward revision of the health insurance premiums and it is expected to start reflecting from the coming financial year. According to reports, both private and public insurers have proposed a premium hike of 18 to 20% in health insurance policies. Generally, group insurance policies are subject to yearly renewals and the upward or downward revision of premiums is based on the number of claims received for that particular year. As per the current IRDA regulations, premium charges of health products can be revised only once in 3 years. Which means, if the premiums are hiked in FY 2018, then it cannot be increased further for the next 3 sessions. Experts are of the view that inflation in medical sector is the prime cause for the proposed revisions in health insurance premiums. In metro cities, the claim settlement payouts are more as room rent and treatment costs including doctor charges are comparatively higher than other regions. While measures have been taken by the government for standardization of health care costs, no significant progress can be seen at the implementation level.

      17th February 2017

    • Rs 1 Crore worth of Health Insurance Coverage Is Now The Norm

      Health insurance policies offering a cover of p to Rs 1 crore are rapidly becoming the new normal these days. This shift in coverage has come about as inflation has caused a steep rise in not only the routine medical expenses but also made specialty medical treatments quite unaffordable for most people. Observing this inflation, insurers are now upping the policy cover to Rs. 1 crore to help people cover the costs of medical case without compromising.

      Not only public insurers but also private insurers are raising the sum assured provided under various types of insurance policies. Some leading insurers such as New India Assurance, Aditya Birla Health Insurance, Max Bupa Health Insurance are now offering high coverage under their health insurance policies. New India Assurance, which is a state-owned general insurance provider recently launched a new policy called the New India Premier Mediclaim which offers up to Rs. 1 crore towards cover. In the private insurance segment, companies like Max Bupa are offering cover worth up to Rs. 1 crore and a sum assured worth Rs. 2 crore not only for the individual policy taker but also their family. Aditya Birla Health Insurance has been offering cover up to Rs 1 crore for the past 2-3 years, while CignaTTK Health Insurance offers a cover of up to Rs. 1 crore under their ProHealth Premier Plan.

      14th February 2017

    • WHO Urges Government to Revamp Healthcare Strategies

      The World Health Organization suggested ways to develop an efficient healthcare mechanism in India. Pointing out the loopholes in present healthcare infrastructure and management, the agency proposed enhancement of services through increased government funding. According to Dr. Lahariya, the National Professional Officer, WHO, the government should engage supply-demand model to increase investments in public health services. The official added that the Center should develop effective strategies to ensure that people have easy access to healthcare services anywhere in the country.

      13th February 2017

    • Rs.1 crore mediclaim cover for the super rich

      New India Assurance, a government-owned assurance company, has launched a new mediclaim plan which covers the super rich to a tune of Rs.1 crore. Generally, high society individuals do not require health insurance as they are capable of being self insured and most insurance policies do not fit their requirements. This policy will now cover most treatments that are generally not covered by regular mediclaim plans. The new mediclaim plan will cover a number of medical procedures like consultations with a dietician, infertility, dental, and psychiatric treatment which is normally not covered under regular health insurance policies. New India Assurance is providing this premium service at rates which are 12% cheaper than the health insurance policies dispensed by its private rivals.

      11th February 2017

    • Combination insurance products to make a comeback in next fiscal

      Combination or combi products which comprises of features belonging to both life and health insurance policies are set to make a comeback in the insurance market by the next financial year. The Insurance Regulatory and Development Authority of India (IRDA) has stated that such combi products will include health cover which will be offered by non-life insurance companies and pure-term life insurance cover which will be offered by life insurance companies. This move by the IRDA comes at a time when people are opting for such policies as health inflation is on a gradual incline. As life insurance policies do not pay for ailments suffered by a policyholder, people are now realizing the benefits that combi products provide. Insurance companies are now looking at finding the right partner to tie-up with to provide the perfect combination insurance products.

      10th February 2017

    • A confederation in cards for NRIPO

      Parents of non-resident Indians are soon going to form a confederation that will take care of the issues that NRIs and their parents face in India on a regular basis, confirmed Nandkumar Swadi from the Non-Resident Indians' Parents' Organization (NRIPO).

      The organization that is based in Pune has come up with a plan that will include as well as work hand-in-hand with other such organizations from every part of the country. The NRIPO is aiming to make the CONRIPO an apex body that will work as a representative of other such organizations.

      From air ticketing to medical support, health insurance, security and safety arrangements, passport rules and regulations, and counselling regarding travel plans, parents of NRIs always look for help with such important matters. This organization will aim to help them out with issues like these and also others like foreign exchange for travel, inward-outward remittances and even emotional support when they are alone.

      NRIPO is one of the first organizations to have taken up the cause of helping the parents of NRIs. Through this confederation, the organization is aiming to address problems by directly working with the government. So individuals can come to the confederation instead of going to the government on their own.

      9th February 2017

    • J&K migrants to be provided medical insurance cover

      The Department of Relief and Rehabilitation is planning to introduce a medical insurance scheme for Jammu and Kashmiri migrants. The medical insurance cover is expected to provide access to modern healthcare facilities to the registered migrants of the state, who could not avail these facilities earlier. According to Basharat Bukhari, Minister for Relief, Rehabilitation and Reconstruction, both the migrant and their dependant family members will be insured for hospitalisation under this scheme, on a floater basis.

      There are 37,347 Hindu migrant families, 1,758 Sikh families, 2,252 Muslim migrant families and five other families are registered in Jammu at present. Among these, 18,589 Kashmiri migrant families are entitled to receive Rs.2,500 in cash per subject, with a maximum limit of Rs.10,000 per four-member family.

      8th February 2017

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