You need health cover regardless of what you take two at a time - pills or stairs.
You need health cover regardless of what you take two at a time - pills or stairs.
  • 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
    rated 4.0/5.0 by 4360 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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    Health Insurance is Rated as " Great!" by 4360 Users
     4.0 / 5.0   by 4360 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.

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

    • 31% of Indians in the country own health insurance policies

      According to a survey conducted by a private research firm, only 31% of the citizens of India own a valid medical insurance policy apart from the health insurance policy provided by their employer. This percentage is a is a lot when compared to the number of people who own a life insurance or motor insurance policy. This is mainly due to the number of people who are not aware of the consequences of not owning a health insurance policy. People are slowly realising the importance of a health insurance policy and the various benefits that accompany it. A lot of Indians spend a great deal of money out of their own pocket to clear the expenses incurred when they are admitted into a hospital. According to a survey conducted by the Indian Brand Equity Foundation, during 2015-16, as many as 36 crore people in India came under the umbrella of benefits that’s offered by a health insurance policy. This makes up about 30% of the total population of India. Health insurance companies have been adamant to promote the importance of a health insurance policy among the people of the country to ensure that every Indian is covered under a health insurance policy.

      14th December 2017

    • Health Wallet Plan Launched by Apollo Munich Health Insurance

      The “Health Wallet” plan was launched by Apollo Munich Health Insurance recently and is aimed at securing the benefits and features of a health insurance plan of a policyholder in India. Not only does the policy cover OPD and hospitalisation expenses, but also makes the policy affordable even in the customer’s golden years. Chief Executive Officer of Apollo Munich Health Insurance, Antony Jacob, stated that the “Health Wallet” insurance plan also offers a unique benefit called “RESERVE” which grows continuously as well as earns for the policyholder. The unused reserve amount will get carried forward while earning a 6% bonus. Up to 50% of this amount can be used to the premium for the renewal of the health insurance policy. The insurance policy is a first-of-its-kind plan that addresses the Indian returns mindset and savings and helps them fund their own health insurance plan.

      13th December 2017

    • Aditya Birla Health Insurance keen on retail growth

      Aditya Birla Health Insurance (ABHI) is keen on increasing growth by focussing on the retail sector. During the fiscal year of 2016-17, the company’s group sales constituted 20% of retail sales and 80% of premium income. The company aims at acquiring 75% of its business from retail revenue within the next five or six years. The company raked in Rs.150 crore as premium income in the last financial year. Group or corporate sales constituted 80% of this income while retail made up the remaining 20%. The company was able to earn Rs.96 crore as premium income in the first half of this financial year. Retail contributed to about 8% in the first quarter while this increased to 32% in the second quarter.

      12th December 2017

    • Rs.904 crore per capita spent on health per capita by Rajasthan

      The National Health Accounts has released a statement by the Union Ministry of health and family welfare that stated that Rajasthan was among the states with the lowest health expenditure standing at Rs.21,188 crore with a per capita expenditure of Rs.2,943. Out of this total amount that was spent on health, Rs.6,511 crore was spent by the government whose per capita comes up to Rs.904 crore. Jan Swasthya Abhiyan (JSA) has pointed out that a lot of the surplus that was spent on health has been out-of-pocket spending. The only other states which had a lower bill when it came to money spent on health was Bihar, Jharkhand, Assam, and Madhya Pradesh. This low expenditure was despite the fact that Rajasthan had a high infant mortality rate, high fertility rate, and high maternal mortality rate. JSA has demanded that the state of Rajasthan should keep a large surplus aside for the purpose of health care. It was also stated that public health institutions in the state should be equipped with the right personnel, infrastructure, and equipment that’s needed to tackle the medical problems which the state has been facing.

      11th December 2017

    • Ocare Getting Ready to Launch Dental Insurance Firm in India

      Ocare is soon to introduce dental insurance in India. Ocare, which was founded by Neeraj Sheth, a dentist from Mumbai, has applied for a license to start a dental insurance firm. This firm will provide different insurance schemes to cover all your dental care expenses. Ocare is the first to start a dental insurance firm in India. None of the present insurance firms have insurance plans exclusively to cover dental costs for individuals.

      There is a high chance that the firm may also offer insurance plans to cover cosmetic dental surgeries apart from the normal teeth procedures. The market for dental service in India is worth approximately Rs.12,000 crore and the cost of dental care is higher today than before.

      8th December 2017

    • Health Insurance Cover for Citizens of Punjab to Be Rolled Out Soon

      Health and Family Welfare Minister of Punjab, Brahm Mohindra, stated that the government of Punjab will soon roll out a new health insurance policy that will cover every citizen of the state as the existing health care policy failed to yield the necessary results. Learning from their current mistakes, the health department has decided to enrol government-run hospitals for the treatment of patients who are covered by an insurance policy. The government has a clear intention of providing cost-effective treatment and health services. Mohindra also stated that the government plans of opening five new public sector medical colleges in the state.

      7th December 2017

    • Health Insurance Policies Predicts Changes in Health Insurance Sector

      The recent health insurance policy that has been introduced by the Kerala State Government predicts changes in the state’s health sector. The policy prepares a roadmap for both long-term and short-term programmes and projects which will have to be implemented in the health sector. Some of the key proposals made by the policy include the implementation of a three-stage referral system along with the division of the health department into three sectors - public, medical education, and clinical services. The aim of the health insurance policy is to ensure that at least 80% of the population of India is covered under a health insurance scheme. The policy also aims at increasing the percentage of people who avail medical benefits at government run hospitals to 50% by the year 2020. According to Uday Shankar Mishra, Professor at the Centre for Development Studies, stated that the diagnostic component contributes to a major part of hospital bills and these should soon be covered under an adequate health insurance policy.

      6th December 2017

    • Magma HDI looks to build health insurance sector

      Magma HDI General Insurance Company has decided to get out of its comfort zone of commercial and motor insurance to build its health insurance sector to account for nearly 20% of the company's total business within the next three years. According to MD and CEO of Magma HDI, Rajive Kumaraswami, accident and health insurance currently accounts for 3% of the company's total business. The company has announced the launch of a health insurance plan that covers a number of medical conditions. The health insurance plan is called OneHealth and covers diseases like bariatric surgery, Lasik, and psychiatric treatments. The company expects nearly two-thirds of the health insurance business to come from semi-urban and rural areas.

      5th December 2017

    • Health Insurance for BU Students Soon

      Health insurance has not only been made available for the middle aged and senior citizens of our country, but also for the youngsters of this generation as well. Students belonging to Bangalore University's Jnanabharathi campus will soon receive health insurance that will be provided by the varsity itself. This health insurance scheme is said to benefit more than 8,000 students under the university. The university is in the process of framing the guidelines of how a BU student can avail this scheme. The university is trying to help out students whose finances are fragile and who are not able to afford a suitable health insurance plan on their own. Premiums for the health insurance scheme will be borne by the student and the university. This move has been widely accepted by student organisations everywhere though they have pointed out that the premiums have to be paid solely by the university.

      4th December 2017

    • Cancer cover launched by LIC with sum assured of up to Rs.50 lakh

      Life Insurance Corporation of India (LIC) announced on Tuesday that the company plans on launching a health insurance policy for cancer patients with a sum assured that ranges from Rs.10 lakh to Rs.50 lakh. The policy can be availed by individuals who are in the age group of 20 to 65 years. The policy is a non-linked plan that is available with half-yearly and yearly premium payment options. If the policyholder is diagnosed with a type of cancer that comes under the policy during the policy period, the insured is eligible to avail fixed benefits that comes with the plan. Sum assured to a diagnosed policyholder ranges from Rs.10 lakh to Rs.50 lakh and this sum can be paid in the form of increments as well. The “Cancer Cover” plan by LIC was unveiled by South Zone Zonal Manager of LIC, R. Thamodharan.

      1st December 2017

    Get Latest News on Health Insurance

    Customer Reviews

    • ICICI Lombard Health Insurance
      "Should not give false promise to the customers"
      0.5 5.0/5 "Blown Away!"
      I have taken a Health Insurance with ICICI Lombard.The premium amount is 10,000 paid once in a year.The executive has promised to a coverage for maternity after third renewal however now they are saying its not applicable.I get a policy converage of 8 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • New India Health Insurance
      "Wonderful"
      0.5 3.0/5 "Satisfactory"
      I am having the health insurance policy with the New India assurance company. I would like to say that the customer service is good one for me with them and the plan benefits are descent one for me.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 15, 2017
    • Bajaj Allianz Health Insurance
      "Good policy to use"
      0.5 5.0/5 "Blown Away!"
      I have got the health insurance policy with the Bajaj allianz around a month ago. Every month I need to pay Rs,841 for 12months. This policy covers 1 lakh rupee in case of emergency medical purposes. This policy covers 2 members which is myself and my spouse.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 15, 2017
    • Star Health Health Insurance
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      I have a health insurance through Star health insurance service ,the payments where through online also they provide me with good offers and benefits ,I never claimed any service from Star health insurance service it was a good experience with Star health insurance service.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2017
    • Star Health Health Insurance
      "Good insurance policy"
      0.5 5.0/5 "Blown Away!"
      I have a Star health insurance policy from last 4-5 years, this policy has to be renewed every year and i pay a premium of Rs 14000 annually. I do not have claim experience so far with this insurance. Customer service was good and they were very helpful. I am satisfied with the coverage and benefits of this policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2017
    • ICICI Lombard Health Insurance
      "Better policy to use"
      0.5 4.0/5 "Great!"
      The ICICI LOMBARD GENERAL INSURANCE Health policy covers 2 members in my family which is myself and my father. I pay the premium of around Rs,9000 every year, The customer support is good with the ICICI Lombard, I can get the claim amount up to 1lakh rupees.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 13, 2017
    • ICICI Lombard Health Insurance
      "Good policy"
      0.5 5.0/5 "Blown Away!"
      I have taken a Health Insurance with ICICI Lombard.I am holding the policy for eight years.I make payments of 20,000 per annum debited from the salaried account.They policy coverage is 10 lakhs including the dependants.I don't have claim experience so far.
      Was this review helpful? 0
      , kochi
      Reviewed on Dec 13, 2017
    • review Health Insurance
      "Better"
      0.5 3.5/5 "Pretty good"
      I have taken Health Insurance policy with Kotak. It was taken 3 years back. They are giving cashless option on most of the hospitals. The policy coverage was up to 10L. Actually they said premium amount was 6K but I got offer and am paying 2200 rupees. It is a tenure of 1 year.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2017
    • HDFC Ergo Health Insurance
      "Fair"
      0.5 3.0/5 "Satisfactory"
      I do have health insurance policy with the HDFC ERGO general insurance company. While it comes to renewal , they have contacted me and I have not experienced their services also. Everything is fine one with the HDFC ERGO general insurance company
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2017
    • Star Health Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have taken a health Insurance with Star Health Insurance .I have been holding the policy for last 14 years.I get a good policy coverage amount of six lakhs including the family members.I make a payment of 14,000 per annum through cheque.I feel its ok to have a policy.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 13, 2017
    • Star Health Health Insurance
      "Health insurance"
      0.5 5.0/5 "Blown Away!"
      I have taken health insurance from STAR HEALTH & ALLIED INSURANCE. The total policy amount is 7.5 lakhs. Its an yearly renewal policy. Yearly i have to pay 32000. I make the payment through cheque. Its a life time policy, There is no claim experience. Its also provide cashless treatment.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 12, 2017
    • Oriental Insurance Health Insurance
      "Cashless treatment"
      0.5 5.0/5 "Blown Away!"
      From Oriental i have taken a general health insurance. The premium amount is 14000. Every year we have to renew the policy.They have a cashless treatment facility with them. We can avail that facility with Oriental.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 12, 2017
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