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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

    • Tata AIG Health Insurance
      "Good health policy"
      0.5 4.0/5 "Great!"
      I got a health insurance policy with TATA AIG for past 2 years. The customer service is good with TATA. I never had any claim experience so far. The medical coverage and the cashless treatment is good with TATA AIG. I pay the premium of Rs.7000 in a year to renew the policy . This policy covers 4 people in my family including me.
      Was this review helpful? 0
      , sonepat
      Reviewed on Jul 18, 2017
    • Future Generali Health Insurance
      "Poor Customer Service, unnecessary delay"
      0.5 0.5/5 "Unacceptable"
      The customer care doesn't respond to your query. It has been 3 months since the claim was submitted, but no one responded to me within given amount of time. They have just one answer to every question your claim is under process. Even the investigation officer reviewed everything and passed from his side. They delayed it further without clarifying anything. I had to call multiple times, approached IRDA to resolve the matter. Unprofessional behavior, Poor Service, False promises verbally, on mails, facebook page.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 18, 2017
    • Max Bupa Health Insurance
      "Good mediclaim policy"
      0.5 5.0/5 "Blown Away!"
      I Have mediclaim policy with Max Bupa, on yearly basis I pay the premium of Rs.17,000 it has the tenure of one year. Its covers my family member like wife and my children, they are offering floater kind of medical cover, 5 lakhs as individual cover and 3 lakhs cover for other.Their coverage is good compared to the competitor, they got tie up with good network hospitals. I could avail their service by online as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2017
    • Religare Health Insurance
      "Its Good"
      0.5 4.0/5 "Great!"
      I have taken health insurance from Religare by online, I paid the premium of Rs.10,000 it has a coverage of one year. They gave me medical coverage of Rs.5 lakhs its coverage my entire family. They got a tie up with cash less treatment hospitals.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 12, 2017
    • ICICI Lombard Health Insurance
      "Its Good insurance"
      0.5 5.0/5 "Blown Away!"
      I have taken health insurance for my mother, I normally make Rs.10,600 as premium on yearly basis. ICICI lombard offered me medical sum assurance of Rs.3 lakhs. This insurance provider got tie up with good hospital and has cashless facilities. I have activated the policy by online without any hassles.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 12, 2017
    • New India Health Insurance
      "Its Excellent"
      0.5 5.0/5 "Blown Away!"
      My health insurance was taken through my company, it is good. I had an experience during the year 2012. I was hospitalized and admitted in ICU, at the time I got treatment for cash less hospitalization. When I discharged I paid only the amount of Rs.6000 it was helpful. New India Assurance got connected with good network and world range of hospitals too.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 11, 2017
    • HDFC Ergo Health Insurance
      "Its Good/ quite approach and reliable"
      0.5 4.0/5 "Great!"
      HDFC Ergo gave me good medical coverage , I normally make the premium of Rs.14,500 on annual basis, they gave the medical coverage of Rs.5.5 lakhs this policy got linked with account, automatically premium gets deducted. HDFC Ergo got tie up with good cashless hospital, I can get a treatment with their medical card.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jul 11, 2017
    • Bajaj Allianz Health Insurance
      "Good coverage"
      0.5 5.0/5 "Blown Away!"
      My health insurance is from Bajaj Allianz general insurance. It is a individual policy. There is a medical coverage of 15 lakhs. I pay my premiums on a yearly basis. The amount is of 4900. Since I have not had nay claims, all the master heath checkup is completely free.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jul 11, 2017
    • United India Health Insurance
      "Good for family protection"
      0.5 4.0/5 "Great!"
      I have taken United India health insurance in last August, so far I didn't face any claim experience. I paid the premium of Rs. 5000 per annum its cover my entire family. It gave me the medical coverage of Rs. 2 lakhs and accidental coverage of 1 lakhs its good.
      Was this review helpful? 0
      , indore
      Reviewed on Jul 07, 2017
    • Tata AIG Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I have taken a health insurance policy. For myself I got this policy around three years ago. I pay the premium of 3839 . I have no idea of the coverage every years I get as a refund 4000 from the insurance company If I don't claim anything Customer service and other things are really hassle free from I pay the premium as cash
      Was this review helpful? 0
      , ludhiana
      Reviewed on Jul 04, 2017
    • HDFC Ergo Health Insurance
      "Excellent policy "
      0.5 5.0/5 "Blown Away!"
      I am holding a Health insurance policy with HDFC Ergo general insurance for past 1 year. This policy has the tenure of 10 years. I pay the premium of Rs,50,000 per annum. The plan benefits and the policy coverages are really good with this policy. I do the payment only through ECS mode which is easy to do because automatically it gets debits from my salaried account.
      Was this review helpful? 1
      , agra
      Reviewed on Jul 01, 2017
    • Star Health Health Insurance
      "Average policy to use"
      0.5 3.0/5 "Satisfactory"
      I have got a health insurance policy which was provided by my company. I got it with STAR HEALTH INSURANCE for past 3 years. Every year company will pay and renew the policy.This policy covers myself and my family. I never had any claim experience so far but the cashless treatments are available with this policy.
      Was this review helpful? 1
      , mundra
      Reviewed on Jun 28, 2017
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    Health Insurance is Rated as " Great!" by 3803 Users
     4.0 / 5.0   by 3803 users
    Used this product? Write a review >>

    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    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.

    rated 4.0/5.0 by 3803 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.

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    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

    • APL families to get new health insurance scheme

      Minister for health and medical education Kamineni Srinivas has recently introduced Arogya Raksha (a family health insurance scheme) for above poverty line (APL) households. The health insurance scheme will provide health insurance coverage to all the members of an APL family for a nominal monthly premium or Rs.100 per member. The scheme will provide coverage against 1,044 ailments that are listed in the policy document. This is for the first time that the Indian state government has introduced benefits for the APL families.

      20th July 2017

    • Dr. Agarwal’s Health Care is planning for expansion

      Though the company has not disclosed any details about a funding, Dr. Agarwal’s Health Care Ltd is said to be raising a structured credit from Edelweiss Special Opportunities Fund (ESOF). Dr. Agarwal’s Health Care is one of the leading eye care chains in India that has more presence in the southern part of India in addition to the centers in Cambodia, Mauritius, Nigeria, Rwanda and other places. Dr. Agarwal’s Health Care has been looking into growth opportunity that will increase their pan-India presence and make them the biggest eye care specialists.

      17th July 2017

    • Max Bhupa Health Insurance Company directed to pay claim

      Jalandhar: In a recent hearing, the District Consumer Disputes Redressal Forum has directed the insurance company - Max Bhupa Health Insurance to settle the claim for a particular case. The insurer had denied the claim to expenses crossing Rs.13 lakh. However, the complainant was able to produce sufficient proof for the Consumer Disputes Redressal Forum that forced the insurer to pay the beneficiary the full claim amount along with the additional sum of compensation and expenses.

      14th July 2017

    • Now, an app to keep tabs on CM’s health insurance plan

      The state government in Erode has launched a mobile application to help keep a watch on the number people availing medical treatment at private hospitals under the Chief Minister’s Comprehensive Insurance Scheme (CMCHIS).

      This initiative was launched on Friday by TS Selavinayagam, the additional director of the Tamil Nadu Health Systems Project. As part of the pilot project, inspection was carried out an concerned network hospitals in Tirupur and Erode. As many as 60 hospitals were covered as part of this mission and smartphones were handed out to retired cops, who have been recruited to carry out vigilance activities for this project by the government.

      The number of treatments covered under this scheme are around 1,027 and a total of 752 hospitals are ropied in to provide treatment under CMCHIS.

      11th July 2017

    • Demand for health scheme

      Members of the Congress sought the revamp of the Arunachal Pradesh Chief Minister Universal Health Insurance Scheme.

      Under the scheme, people could avail free medical treatment at empanelled government hospitals without any hassles. A representative from the party said that the government should continue this scheme and provide free healthcare services to more people. The scheme was discontinued.

      10th July 2017

    • Kotak General Looks At Rs.200 Crore Premia Income For FY ‘18

      The Kotak General Insurance Company is looking at earning Rs.200 crore from premia for the financial year 2018, an increase from its current revenue of Rs.84 crore.

      The company is looking at increasing its business and revenue by almost three-fold over the next few years and aims to expand its product range in an attempt to achieve that target.

      Kotak will soon launch travel insurance and specialised schemes to cater to a growing niche market.

      It is also looking at increasing its health insurance business from the current 15% to 25%. It also seeks to reduce the motor insurance component of its business to 65% from the current 84%.

      4th July 2017

    • CM Health Insurance Scheme to have HC Directive on redressal of grievance

      The Madras High Court Bench directed the Tamil Nadu State Government to ensure that every private hospital empanelled under the Comprehensive Health Insurance Scheme displays in their premises prominently, the details of all officials who can be contacted by beneficiaries in case of any complaints or grievances.

      These oral directions were issued to the Special Government Pleader, M. Govindan by a Division Bench of Justices, A.Selvam and N.Authinathan. These suggestions were accepted. M. Govindan said that all officers were available at all times in all empanelled hospitals in order to assist beneficiaries. He also said that individuals insured under the scheme could lodge complaints with the necessary collectors who were chairing all district-level committees so as to monitor the implementation of the insurance policy.

      30th June 2017

    • Health Insurance Scheme in offing in Manipur for the needy

      The Chief Minister of Manipur, N. Biren Singh stated that the Government is thinking of introducing a health insurance plan to offer financial support to the people who are not able to afford medical expenses. He mentioned this at the Health Care Conference that took place in the north-east. It was organised by Confederation of Indian Industry.

      The Chief Minister added that a conference like this would give a boost to the improvement of healthcare infrastructure and open up the medical tourism. Maipur will also have its air mobile health care facilities soon. He claimed that Prime Minister Narendra Modi has transformed India and the Central Government has approved the establishment of a 60 bedded mental Hospital and 100 bedded Cancer Hospital.

      29th June 2017

    • Punjab CM announces health insurance for all citizens along with mohalla clinics

      The CM of Punjab has recently announced potential medical benefits for the citizens. In addition to the health insurance policy for citizens, mohalla clinics, and a new medical college in Mohali that will be established to bridge the medical education system. The initiative has been taken to ensure that the citizens are able to avail healthcare services at affordable prices. Moreover, the government has taken various initiatives to curb the spread of specific diseases and to promote healthy living. The government will also be carrying out camps and health check-ups to provide healthcare services at subsidized rates.

      27th June 2017

    • Star Health Set To Receive $250 Million From Bain Capital?

      The marque PE fund Bain Capital has initiated talks to invest in Star Health and Allied Insurance, according to sources. Bain is looking at picking up a minority stake in the health insurance company and could invest up to $250 million, which would make it the largest private equity deal in insurance.

      If the transaction goes through, the deal will be prior to an IPO funding round as the other investors such as Sequoia Capital, Tata Capital, Oman Insurance Co and ICICI Venture would have to be bought out.

      While ICICI Venture and Bain Capital have declined to comment on the speculatio, other parties are also staying mum.

      Star Health was the first standalone health insurance company in India and will also be the first to be listed on the stock exchange this year.

      Bain Capital has bene aggressively investing in the country, and Star would mark the next in a long line of diverse interests for the company.

      16th June 2017

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