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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
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have got the Health Insurance with HDFC ergo for past 6months . The service is very good with HDFC ergo. I paid Rs.5600 to get this policy, The medical coverage limit is up to 3lakh is available with this policy. The cashless treatment option is available with this policy. But this policy covers only 1 member that is myself.
      Was this review helpful? 0
      , kottayam
      Reviewed on Sep 21, 2017
    • Religare Health Insurance
      "Average policy to use"
      0.5 3.0/5 "Satisfactory"
      One of friend suggested me to take a Reliance Religare health insurance policy. I have got this policy around 3 months ago. I paid around Rs.5000 towards this policy. This policy covers myself and my family which is my mother. The medical coverage is good with this policy. I didn't had any claim experience with this policy so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 21, 2017
    • Star Health Health Insurance
      "Excellent Policy"
      0.5 4.0/5 "Great!"
      It was a one time payment , I have paid around Rs.2800 to get a health insurance policy with STAR HEALTH & ALLIED Insurance . I bought this policy very recently, I never had any claim experience so far. The medical coverage and the cashless treatment options are available with this policy. I am happy and satisfied having this policy with star health insurance.
      Was this review helpful? 0
      , tiruchirapalli
      Reviewed on Sep 21, 2017
    • New India Health Insurance
      "Okay"
      0.5 3.5/5 "Pretty good"
      I am having the health insurance policy with the New India Assurance company and the coverage value is very good like its around 5 lakh Rupees. I have not faced any claims with the New India Assurance company till now.
      Was this review helpful? 0
      , kochi
      Reviewed on Sep 21, 2017
    • United India Health Insurance
      "Need to explore"
      0.5 5.0/5 "Blown Away!"
      I am having the health insurance policy with the United India Insurance company and the coverage value is around ten lakh Rupees for my full family and I have not faced any claims with them till now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 21, 2017
    • Star Health Health Insurance
      "EXCELLENT SERVICE"
      0.5 5.0/5 "Blown Away!"
      It was an excellent service from STAR HEALTH ,representatives where very good and responsible also I use to get updated information's regarding new schemes and offers ,I can say they fulfilled my requirements so I am very much happy with the service of STAR LIFE HEALTH INSURANCE.
      Was this review helpful? 0
      , lucknow
      Reviewed on Sep 20, 2017
    • Max Bupa Health Insurance
      "Its good option"
      0.5 4.0/5 "Great!"
      Past two and half year, I have health insurance with Max Bupa, I am making the premium around Rs.18,000 per annum it has the tenure of one year. I have to renew it every year It cover me, my wife and mother. They got tie up with good hospital. Each and every member they gave medical card.
      Was this review helpful? 0
      , dehradun
      Reviewed on Sep 20, 2017
    • Max Bupa Health Insurance
      "Average policy to use"
      0.5 4.0/5 "Great!"
      I am holding a Max Bupa Health Insurance policy for past 1 year. I paid around Rs.12,000 to renew the policy, this policy has coverage only for 1 member and that is myself. The customer service is average with Max Bupa. The Medical coverage is good with this policy , because they have lot of offers, so that was the reason I have got this policy.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 20, 2017
    • National Insurance Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I am using the Health Insurance policy with National insurance for more than 3years. I pay Rs.1700 to renew the policy every year. This policy covers 2memebers, which is myself and my spouse. The customer service is good with National insurance. The medical coverage and the cashless treatments are quite good with national insurance policy.
      Was this review helpful? 0
      , kolkata
      Reviewed on Sep 20, 2017
    • National Insurance Health Insurance
      "Good policy to use"
      0.5 3.0/5 "Satisfactory"
      I use the Health Insurance policy with NATIONAL INSURANCE for past 3years. I got this policy which is provided by my company. The customer service is good with this policy,. I haven't got any claim experience with this policy , Up to 3lakhs this policy has the coverage we can use it for the medical purposes, if it is going beyond 3lakhs then we have to spent in our own. This policy covers only 2 people which is myself and my spouse.
      Was this review helpful? 0
      , panipat
      Reviewed on Sep 20, 2017
    • review Health Insurance
      "Overall good"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance com Accidental coverage from Iffco tokio general insurance. The customer services are good. It was a online process as well. The premium is of 1800 and it is paid on a yearly basis. The medical coverage is of five lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 20, 2017
    • Apollo Munich Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I am having the health insurance policy with the Apollo Munich insurance company and the coverage value is around 3 lakh Rupees for my full family. Response is good one for me and I have faced a claim with them and they have provided 80% of cost of treatment as claim benefits.
      Was this review helpful? 0
      , bangalore
      Reviewed on Sep 20, 2017
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    Health Insurance is Rated as " Great!" by 3922 Users
     4.0 / 5.0   by 3922 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 3922 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

    • New IRDAI regulations to remove approval restrictions for claim consultancy up to Rs.10 crore by insurance brokers

      Insurance brokers can offer claim consultancy services up to Rs.10 crore without obtaining prior approval from the Insurance Regulatory and Development Authority of India (IRDAI). However, prior approval from IRDAI is required for claims above Rs.10 crore. On 6th September, at the launch of a new volume of 'General Insurance Claim Insights for Policyholders: A Handbook', the president of the Insurance Brokers Association of India (IBAI), Sanjay Kedia said that the upcoming regulations by the IRDAI may remove the restrictions of prior approval of above Rs.10 crore for claim consultancy services.

      Among the public sector insurance companies, New India Assurance has the highest claims settlement ratio of 70.97% while Royal Sundaram has 70.79% among the private sector insurance companies. New India Assurance has a claims settlement ratio of 83.83% in health insurance.

      18th September 2017

    • Reliance General Insurance receives IRDAI approval for IPO

      Reliance General Insurance got approval from Insurance Regulatory and Development Authority of India (IRDAI) for Initial Public Offering (IPO). The company is valued to be over Rs.7,000 crore. Reliance General Insurance is a subsidiary of Reliance Capital. It offers a wide array of general insurance products like motor insurance, home insurance, fire insurance, travel insurance, and health insurance.

      The company reported a 41% growth in FY2016-17. The gross direct premium of the company was Rs.3,935 crore in the end of March. The insurance company is also involved in various government crop insurance schemes like Pradhan Mantri Fasal Bima Yojana. Last year, the company insured more than 3 million farmers. Other insurers like ICICI Prudential Life, Max Life Insurance, HDFC Standard Life, and SBI Life Insurance are also listed for IPO.

      13th September 2017

    • Indian Bank’s group insurance policy to be renewed without a rise in base premium

      The managing committee of Indian Bank's Association (IBA) has approved the renewal of their group medical insurance scheme for bank officers and award staffs without a hike in base premium. The group medical insurance scheme with United India Insurance will be effective from 1 October 2017 to 30 September 2018 on the existing terms and conditions. There will be no increase in base premium of the group policy.

      United India Insurance agreed to the renewal proposal after taking the Incurred Claim Ratio of 107% (as of 30 September) into account. The sum insured of the policy for award staff is Rs.3 lakh and premium with GST at 18% is Rs.1,881. The gross premium payable per family is Rs.12,333 inclusive of GST. The sum insured for officers is Rs.4 lakh and premium with GST is Rs.2,508. The gross premium payable per family is Rs.16,443 inclusive of GST.

      11th September 2017

    • IRDA gives R1 approval to Reliance General for a separate health insurance arm

      The Insurance Regulatory Development Authority (IRDA) has given its first approval to Reliance General Insurance Company Ltd to begin a separate health insurance unit from its general insurance business. A formal notification is expected in 3 to 4 days. The company currently operates out of 175 branches in India. The health insurance premium of the company fell 36% to Rs.344 crore in March 2017. The board of Reliance General Insurance had recently approved the transfer of the existing health insurance business into a separate subsidiary of Reliance Capital. This will allow Reliance Capital to increase its stake in the health insurance sector.

      7th September 2017

    • Cigna TTK Health Insurance to infuse Rs.114 crore for expansion

      With the increase in Cigna's stake in the company from 26% to 49%, Cigna TTK Health Insurance is planning to infuse Rs.114 crore funds for business expansion. Sandeep Patel, MD and CEO of Cigna TTK Health Insurance said that the funds will be invested in technology to develop innovative products and their expanding distribution network. By 2019, the company aims to double its branches and penetration across the country. Currently, the company has 900 employees. Around 300 to 1200 new employees will be hired to cover the new branches. Meanwhile, the company announced the launch of a new health product called ProHealth Select. It has new features like inflation shield and reassurance benefits.

      4th September 2017

    • Maharashtra government plans to launch 2 healthcare schemes shortly

      Two healthcare schemes, Balasaheb Thackeray Accident Benefit Scheme and Mahatma Phule Jan Arogya Yojana Scheme to be launched shortly by the Maharashtra government. Deepak Sawant, minister for public health and family welfare said that new procedures and processes have been added to the MPJA Yojana scheme. About 2.43 crore families will be covered by the scheme. The state government plans to adopt digital health technologies to reach out to the patients in remote areas of the state. The minister has asked CII to form a core group to expedite the ‘telemedicine’ project. Balasaheb Thackeray Accident Benefit Scheme will provide up to Rs.30,000 insurance cover within 48 to 72 hours of accident.

      30th August 2017

    • Standalone health insurance market to grow by 30% in the next 5 years

      According to a research conducted by Fintelekt, the size of the standalone health insurance market in India will rise from Rs.5859.7 crore in FY16-17 to Rs.21,904 crore by FY21-22. The demand for health insurance is high due to the rising costs of healthcare. The companies also see an opportunity to sell higher value policies in terms of sum assured. The demand for health insurance is expected to rise with the increasing awareness of social sector health insurance schemes spread by the government. Health insurance companies involved in rural and social sector schemes are expected to benefit.

      28th August 2017

    • Health insurance policy can be ported from existing insurer to new insurer

      Whether it is a higher insurance premium or age limit for policy renewal, if you are unsatisfied with the current insurance provider, you can port your health insurance policy to a new insurer. At the time of policy renewal, submit an application for porting the policy within 45 days prior to the expiry date of the current policy. The No Claim Bonus will get transferred to the ported policy. The current insurer has to provide the insurance policy details on the IRDA portal within 7 days from the date of submission of application. The new insurer has to either approve or reject the request within 15 days.

      24th August 2017

    • Life insurance companies launch health insurance products to cover individual critical illnesses

      Health insurance forms 25% of the general insurance industry and about 5% of the life insurance industry. In the past 6 months, life insurance companies like Birla SunLife, ICICI Prudential Life, and Aviva Life have started introducing health insurance products to cover specific illnesses. ICICI Pru HeartCancer Protect provides insurance cover to the insured member on diagnosis of cancer or heart disease. Birla SunLife's CritiShield Plan provides insurance cover for cardiac and renal conditions. Aviva's Heart Care provides insurance cover against 19 cardiovascular conditions.

      23rd August 2017

    • 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

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