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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

    • review Health Insurance
      "Its Average"
      0.5 3.0/5 "Satisfactory"
      I am holding IFFCO TOKIO health insurance around four years, but I don't have any claim experience as of now. My company is paying for the health insurance, they gave the medical coverage of Rs. 5 lakhs its has covers for me. It got good network hospital with cash less treatment facility.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2017
    • Star Health Health Insurance
      "Descent"
      0.5 4.0/5 "Great!"
      From the last eight years of time, I do have health insurance with Star health insurance company and its been provided by my friend. I have faced a claim , also they have provided around 80% to 90% of the cost of treatment as reimbursement. Response is good one with them and I got the settlement within twenty days of time.
      Was this review helpful? 0
      , satara
      Reviewed on May 24, 2017
    • Royal Sundaram Health Insurance
      "Okay"
      0.5 3.5/5 "Pretty good"
      I am having health insurance policy with the Royal sundaram general insurance company and the coverage value is around 3 lakh Rupees and the response is fine one with them. I have not faced any issues with them and the claims are nil with them. The coverage value will be applicable for two members.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on May 24, 2017
    • National Insurance Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I got the health insurance policy with the National Insurance company through my employer. The total coverage value is for nuclear family with the amount of 4 lakh Rupees. I heard from some of my friends like they have got around 85% to 90% of cost of treatment as reimbursement.
      Was this review helpful? 0
      , ahmednagar
      Reviewed on May 23, 2017
    • United India Health Insurance
      "Good"
      0.5 4.0/5 "Great!"
      I do have health insurance policy with the United India Insurance company and I have not faced any claims with them. Coverage value is around 2 lakh Rupees, also it covers my full family. I have never invoked anything and the customer service is good,
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 22, 2017
    • SBI General Health Insurance
      "Awesome "
      0.5 5.0/5 "Blown Away!"
      I do have health insurance policy with the SBI general insurance and I can say its the best one because of the requirement and plan. I used to dealt with the agent only and have not interacted with them directly. Plan benefits are also fine.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 22, 2017
    • ICICI Lombard Health Insurance
      "Satisfactory"
      0.5 4.5/5 "Excellent!"
      I am having health insurance policy with the ICICI Lombard general insurance company and am with them from the last two years of time. Health coverage value is around 11 lakh Rupees. I have not faced any claims with them till now. Customer service is pretty good and they used to contact me and intimated the new schemes.
      Was this review helpful? 0
      , secunderabad
      Reviewed on May 19, 2017
    • National Insurance Health Insurance
      "Very good service"
      0.5 4.0/5 "Great!"
      The national Insurance company provides very good health insurance policy. I have a Health insurance policy for 4 years. There are 3 people covers under this insurance. It doesn't cover the parents it only covers my family. I pay Rs.2970 per year. I will renew the policy on time. Because national insurance will give a reminder through mail. This is very good insurance policy.
      Was this review helpful? 0
      , asansol
      Reviewed on May 19, 2017
    • Star Health Health Insurance
      "Good health insurance for family"
      0.5 5.0/5 "Blown Away!"
      I am paying Rs. 8855 for 3 lakhs of medical coverage for four people, two adults and two children. When I was in ill, I gave request to Star hospital to get cash less treatment within a hour they sent approval to that hospital and I totally admitted for four days, hospital charged around 2.45 lakhs but they taken 2.43 from this policy remaining I just paid Rs.2000 to hospital.
      Was this review helpful? 1
      , hyderabad
      Reviewed on May 19, 2017
    • Reliance General Health Insurance
      "Need to improve"
      0.5 1.0/5 "Really Bad"
      I do have health insurance policy with the Reliance general insurance company and it was referred by my friend. I have not faced any claims with them and the premium is around 10000 Rupees and the coverage value is up to 250000 Rupees. They are not having good number of tie ups with the hospitals across the city.
      Was this review helpful? 0
      , bangalore
      Reviewed on May 18, 2017
    • HDFC Ergo Health Insurance
      "Trust"
      0.5 4.0/5 "Great!"
      With the HDFC ERGO , I do hold a health insurance policy and the coverage value is around lakh Rupees , which covers myself and my spouse. I do not have any claim expereince them till now. They are ranked 3rd with respect to claim settlement ratio.
      Was this review helpful? 0
      , mumbai
      Reviewed on May 16, 2017
    • HDFC Ergo Health Insurance
      "Helpful "
      0.5 5.0/5 "Blown Away!"
      The health insurance provided by HDFC is very useful they gave me a offer for 1+1year they support very much for accidental coverage by giving 100% hospitality and also they give reasonable price if we are bedridden for certain period it is very great and thankful to HDFC
      Was this review helpful? 0
      , mysore
      Reviewed on May 16, 2017
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    Health Insurance is Rated as " Great!" by 3743 Users
     4.0 / 5.0   by 3743 users
    Used this product? Write a review >>

    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Health Insurance BYTES FROM OUR KITCHEN
    rated 4.0/5.0 by 3743 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

    • MEMG to replace TTK group in Cigna Health

      Manipal Education and Medical Group (MEMG) will buy the stakes held by TTK Group in Cigna TTK Health Insurance. Following this move, MEMG will be the fourth healthcare group to venture into the health insurance domain. MEMG had been interested in expanding out into health insurance for a while, and the opportunity to pick up TTK Group’s stake fit perfectly into the company’s plans. Bloomfield-based Cigna has 26% stake in the joint venture, while the remaining stakes were held by TTK Group.

      Cigna TTK Health Insurance is one of the fastest growing businesses in the industry today, recording a 54% growth in premium in FY17. The company has recently been working on creating a suite of bancassurance products. In line with this, Cigna Health has already tied up with the Andhra Bank and Bank of Maharashtra as distribution centres.

      18th May 2017

    • 17.63 lakh people benefit from health insurance scheme

      A review meeting was conducted by the health department to determine the impact that the chief minister’s health insurance scheme (CMCHIS) has had on the people residing within the boundaries of the western region of Krishnagiri and Nilgiris. Around 450 patients who have received a payout of Rs.4 lakh and more were called in to determine the success of the scheme. Patients who have undergone cochlear transplants, renal transplants, liver transplants, and stem cell therapy were asked to attend the review. Government hospitals are not equipped or prepared to take patients who require these high-end procedures and are thereby forced to search for treatment at private hospitals.

      The CMCHIS scheme was launched by the DMK when they were ruling the state in 2009. The scheme began covering a plethora of medical options when the AIADMK regime began to focus on it. Families whose annual income falls below Rs.72,000 an annum are eligible to avail this scheme. A coverage of Rs.1 lakh or Rs.1.5 lakh (for special ailments) per year. This scheme has been a blessing in disguise as this scheme has come to the aid of over 17.63 lakh people residing in the state.

      18th May 2017

    • IFC to sell entire Max Healthcare stake of 7.5%

      As per a stock market disclosure, International Finance Corp (IFC) will sell the complete 7.5% stake it holds in Max Healthcare for an amount of Rs.423 crore. IFC had acquired the stake in multiple parts, over a period of 10 years. IFC will sell 3.75% stake in Max Healthcare to Max India Ltd. and 3.75% to Life Healthcare Group. After the deal, both Max India and Life Healthcare Group will be holding 49.7% stake in Max Healthcare.

      Max India also announced that it will be raising Rs.300 crore by issuing warrants at Rs.154.76 for each share. During the financial year 2017, Max Healthcare observed a 23% growth in gross revenues.

      17th May 2017

    • Star Health Has Joined Hands with Hero Corporate

      In their recent update, Star Health and Allied Insurance Co Ltd. stated that they have tied-up with Hero Corporate to distribute health insurance policies in India. A Memorandum of Understanding was signed by Anand Roy, marketing head, Star Health, and Shefali Munjal, executive director, Hero Corporate, agreeing that Hero, through its centres will sell Star Health products going forward. Both the companies stated that this decision was made to offer excellent insurance products to customers across the country.

      16th May 2017

    • Maharashtra Govt. Mulling Over Rs.30,000 cover For 3-day hospital stay In Case Of Road Accidents

      The Maharashtra State Finance & Planning Department is mulling over the plan to approve an accident insurance scheme which will provide insured individuals with a sum of Rs.30,000 for a 3-day hospital stay.

      The government is planning of introducing this scheme considering that Maharashtra has one of the highest number of road accidents in India. The objective of this scheme is to cover road accident victims who may or may not belong to the state or even the country. Karnataka was the first state to come up with a similar policy which provides victims with compensation for treatments following a 48-hour hospital stay.

      15th May 2017

    • HDFC Ergo Unveils New Group Critical Illness Policy

      In a move to expand their health insurance portfolio, leading general insurance company, HDFC Ergo recently launched a group policy cover which provides cover to not only your family but also your employees under the same plan. There are scores of other health insurance policies available in the market which only provide cover against hospitalization expenses. However, this new group health policy, known as 'Group Critical Illness Insurance' will aim to pay the insured a lump-sum amount if they are diagnosed with any critical illness listed in the policy document.

      This Group Critical Illness Policy is an extension of the HDFC Ergo’s popular critical illness insurance policy where the insured is free to decide the end use of the claim pay-out, since the policy does not impose any restrictions or sub-limits on the expenses, barring the sum insured. Some other key features of this new group plan include higher cover, with the sum insured per life basis ranging from Rs 5,000 to Rs 5 crore, policy entry age ranging from 3 months to 65 years, worldwide coverage, and the option to get covered from day one without any survival period.

      12th May 2017

    • Kerala becomes first state in the country to provide medical insurance for immigrants

      In a first, the Kerala Government has set aside Rs.10 crore towards providing free medical treatment and providing medical insurance for migrant workers. According to a senior official, around 30 lakh such migrants in Kerala will get insurance coverage soon, as state officials will start the field work for implementing the same by end of May. The state has offered free medical treatment up to Rs.15,000 and medical coverage up to Rs.2 lakh.

      BankBazaar News About Insurance

      7th May 2017

    • Major Pune Hospitals Cease Cashless Service for PSU Insurance Co-policyholders

      An unpleasant surprise awaits public sector insurance policyholders who, come April 21, will no longer be able to avail cashless facility for various treatments at a large number of private hospitals in Pune and Pimpri Chinchwad.

      Contracts that the hospitals had entered into with insurance companies expired on March 31. Following this, the hospitals had urged insurance providers to revise their rates, which the latter failed to do. As a result, the over 38 major hospitals across Pune have now ceased to offer cashless services to public sector insurance co-policyholders.

      In addition to individuals, corporate clients too are going to be affected as the cashless facility is no longer available to them as well. The current disagreement over the cashless facility is regarding the rates of 64 surgical procedures, which hospital owners claim are not even sufficient to cover the fees of surgeons or consultants. The only hospital which is an exception in this case is Deenanath Mangeshkar hospital (DMH) which has renewed its associated public sector insurance companies for another two years and will be offering the cashless facility.

      BankBazaar News About Insurance

      22nd April 2017

    • Health Insurance Segment Ends FY17 With Record High

      The Indian health insurance segment seems to have had the best ever year with the ending of the fiscal year 2017, recording its highest ever revenue. This boost is being attributed to the ever increasing incidences of lifestyle-related health complications and rising medical costs. IRDAI data indicates that the health insurance segment witnessed a significant 24% year-on-year growth, with revenues standing at Rs.30,765 crore for 2016-17, as compared to 22.4% growth in 2015-16 and 15.6% growth in 2014-15.

      The health insurance segment, which makes up for nearly 24% of the general insurance sector as a whole, has displayed a high growth curve for the last 3 years. The rising rate of inflation in the world of medical care is the primary reason why more and more people are now opting for health insurance. In India, costs of medical treatments are going up by almost 10 to 15% every year. Another reason why more and more people are gravitating towards health insurance is because their employer provided/corporate health insurance plan does not cover all medical conditions. More and more salaried people are now opting for individual health covers or top-ups on their existing employer provided health insurance plans in order to combat the steep rise in healthcare costs.

      Standalone health insurance companies have recorded rapid growth of more than 40% and are far ahead than their fellow private general insurers and public sector players who have recorded a growth of 15% and 23% respectively. Star Health Insurance, the largest stand alone health insurance provider recorded a 47% year on year growth. Other standalone health insurance providers like Max Bupa, Apollo Munich, Religare and Cigna TTK recorded growth between 20-40%.

      BankBazaar News About Insurance

      21st April 2017

    • Government employees and retirees to have a new health insurance scheme

      Going by the recommendations made by the 10th Pay Commission, the cabinet has decided on implementing a health insurance scheme for retirees and government employees. An employee will be charged a marginal fee of Rs.300 for a health insurance plan. Allowance which was being disbursed to retirees will now be diverted towards the health insurance scheme as premiums. The government now spends around Rs.230 crore for medical schemes which includes Rs.150 crore for a retiree’s medical allowance, Rs.70 crore for medical reimbursements, and Rs.10 crore for medical loans which are interest-free. Once this scheme comes into effect, retirees and employees can avail medical treatment at any of the designated hospitals which are listed under the policy. The scheme will include treatments for existing illnesses as well. This decision was welcomed by the Joint Council of State Service Organisations.

      BankBazaar News About Insurance

      21st April 2017

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