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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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Cashless Treatment

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Pre and post hospitalization expenses cover
Pre-existing disease cover
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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

  • SBI General Insurance continues to focus on motor and health insurance sectors

    Addressing the audience at a press meet in Chennai, Andrew Farlow, Deputy CEO of SBI General Insurance, stated that the company will be focussing on auto, SME and health insurances to a large extent. He also mentioned that SBI General has always provided assistance to customers in the face of natural calamities. They had offered ample support to policyholders during the Chennai floods by processing 86% of claims and settling amounts close to Rs. 45 crore.

    The company has seven branches in Tamil Nadu, and makes their insurance products available across 1000 branches of the State Bank group. 25 brokers and 728 agents are on the field to service their corporate and retail customers.

    Their auto insurance business accounts for 51% of policies sold, and fire insurance contributes to 25%. The health insurance line accounts for 11% of their business. Their Arogya Premier, Arogya Plus and Arogya Top-up policies are noteworthy in their offerings to customers.

    BankBazaar News About Health Insurance

    27th October 2016

  • Chhattisgarh Government Adopts the Niramaya Health Insurance Scheme

    A recent report reveals that the Chhattisgarh government has decided to adopt ‘Niramaya’. It is a health insurance scheme exclusively meant for people suffering from Autism, Cerebral Palsy, Mental Retardation and Multiple Disability. The maximum amount covered by this plan is 1 lakh. The premiums will be paid by the state itself. This scheme would provide different kinds of services to people ranging from medical check-up, therapy, surgeries etc. According to Sonmoni Bora (Secretary, Social Welfare Department), this scheme would definitely help reducing the financial burden of the people belonging to below poverty line. The applicants are required to submit a valid disability certificate. After the application forms are approved, a health card along with an e-card would be issued to them. A nominal processing fee will also be charged.

    BankBazaar News About Health Insurance

    26th October 2016

  • Meghalaya Govt. to Continue with Megha Health Insurance Scheme

    The Meghalaya government has stated it will not be abandoning the Megha Health Insurance Scheme II (MHIS II), which is set to lapse on October 31st, 2016. According to the Health Department, the government is actively looking for a new insurer to ensure the scheme continues. The policy tenure for MHIS II was August 1st, 2015 to July 31st, 2016 but the scheme was extended up till October 31st, 2016. The government has stated it will not be discontinuing the plan as it is very beneficial to citizens, with over 3,46,548 beneficiaries currently enrolled in the scheme.

    The scheme covers over 210 hospitals, which includes 15 private hospitals and 109 primary health centres within the state as well as 44 private hospitals outside the state. The second phase also included the provisions of the Rashtriya Swasthya Bima Yojana, which provides health insurance cover of up to Rs.30,000 to families below the poverty line, in addition to the Rs.2 lakh cover provided under the MHIS II scheme.

    BankBazaar News About Health Insurance

    25th October 2016

  • Most of the Indians Underinsured When it comes to Health Insurance

    Indians are gradually buying health insurance but are underinsured, according to various industry insiders. A study by Apollo Munich has revealed that close to 51% of Indian health insurance policyholders have low Sum Assured insurance policies which would not cover the cost of medical treatments. Underinsurance only leads to higher medical costs and a more stressful time for the policyholder during medical emergencies, in addition to creating a false sense of security.

    Analysts estimate around 20% of the population has some form of health insurance but most of these insured individuals have inadequate cover. While the government health insurance schemes such as the ESIC provides adequate coverage, this is only a fraction of the population who have coverage. This is due to individuals choosing policies with the bare minimum coverage in an effort to lower premiums. Most individuals prefer putting money into a life insurance premium, leading to health insurance policies being low priority.

    BankBazaar News About Health Insurance

    24th October 2016

  • Religare Makes Improvements in its Flagship Product CARE

    Redesigning the existing product line, Religare Health Insurance has announced a new edition of its health insurance policy CARE that will cater to a wide range of healthcare needs. According to the company, the number of critical illness benefits have been increased from 5 to 12 under the “Care Anywhere” plan. The company aims to enhance value and convenience by offering an additional insured sum of 75 lakh rupees plus a maternity cover of 1 lakh. Moreover, the list of day care medical procedures too have been raised from 175 to 541. Religare also provides cover for Ayurveda, Unani and Homeopathic treatments.

    BankBazaar News About Health Insurance

    21st October 2016

  • Insurance companies worried over group health discounts

    To please customers, insurance providers in the health segment have been doling out discounts for corporate customers. However, this development is becoming a major concern for non-life insurance providers who are worried that the move might jeopardise the insurance industry. The discounts haven’t looked like stopping even after IRDAI’s directive that companies offering health insurance policies need to maintain a high level of solvency.

    Speaking about this issue, an executive from a mid-sized insurance company said that private companies are limiting their exposure by offering discounts to their customers. He ruled that these companies are using such tactics so as to retain high-worth corporate customers. He also said that non-life insurance companies are likely to stake a claim and ask the regulator, IRDAI, to revise the solvency ratio problem that are affecting other insurance players.

    BankBazaar News About Health Insurance

    21st October 2016

  • Workers Will Be Able to Opt For Health Insurance Plans Other Than ESI

    The Labour Ministry will be introducing a Bill allowing workers to choose health insurance plans other than the mandatory health cover provided by the Employees State Insurance Corporation (ESIC). Formal workers earning under Rs.21,000 a month are currently compulsorily covered under the ESIC-run health insurance scheme at present. The Bill is part of the EPF and MP Amendment Bill, 2016 and will seek to amend the ESIC Act of 1948, allowing beneficiaries of the ESIC to choose any health insurance plan they desire.

    This move has been opposed by labour unions, who have raised concerns about possible exploitation of workers by private health insurance companies. They also contend that there are few policies that match the benefits that are provided under the ESIC health plan. The unions had written to the government to express these reservations and requested the government to develop a mechanism that ensures benefits under the ESIC scheme and other health plans are on par.

    20th October 2016

  • Complete Health Cover Launched by Oxxy

    Oxxy has launched a new health insurance policy that the company calls a ‘complete solution’ for a family. The plan provides a range of covers, such as a lifetime health plan for each new-born child along with life insurance cover up to Rs.1 lakh for the mother. The plan also makes provision for a fixed deposit of Rs.11,000 for every girl child in the family.

    It aims to ensure complete health protection for all members in the family with a special emphasis on the girl child especially given the lack of adequate health care options in the country. The plan caters to the needs of all members without the added cost of coverage. The company plans to focus on prenatal welfare and healthcare as well, with this plan being the first step towards this. The company also plans to register expectant mothers to the Child Development Programme, which will provide essential health care and services for free.

    19th October 2016

  • 8000 Crores to be Set Aside for Prime Minister’s National Health Insurance Scheme

    Prime Minister’s National Health Insurance Scheme, an ambitious project of the government, is expected to bring off revenues worth Rs. 8000 crores to insurance companies. It aims to provide insurance covers of up to Rs. 1 lakh for poor families in the country. The current national health insurance programme, Rashtriya Swasthya Bima Yojna (RSBY) will be scrapped if the new health insurance scheme comes into effect. Under RSBY, more than 11 million hospitalizations were attended throughout the country. According to a health ministry official, around Rs. 5000 crores should essentially be allocated for the new scheme to firm up. The split of financial contributions by Centre and States for this project will be 60% and 40% respectively.

    18th October 2016

  • US Healthcare Major Aetna Announces Rs. 100 Crore Investment in India over Next 3 Years

    Aetna, the 160-year-old healthcare benefit company headquartered in the US recently announced its commitment to invest Rs. 100 crore in the Indian market over the period of the coming 3 years. With the help of its fully-owned Indian arm, Indian Health Organisation, Aetna has launched a new product called ‘Classic Family Consultation Membership’ which has been designed specially to allow customers to meet their daily outpatient expenses.

    The membership is priced at Rs. 5,880 for a period of 1 year for a family of 4 members. As a part of the membership, the members can avail unlimited tele-consultation with doctors along with getting 10 doctor consultation vouchers, free of cost, which can be used at some leading hospitals and clinics. The membership also enables holders for tax exemption under Section 80D of the Income Tax Act, along with attractive discounts of up to 50% on diagnosis, medicines, diagnosis, consultation and further treatment.

    17th October 2016

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