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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
    rated 4.0/5.0 by 5434 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.

    Types of Health Insurance Plans in India

    Types of Health Insurance Plans
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    Cashless Treatment

    Customer Service

    Medical Coverage

    Claim Experience

    Responsiveness

    Health Insurance BYTES FROM OUR KITCHEN

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

    • Heart transplant performed under Tamil Nadu government’s health insurance scheme

      A 26-year-old man, a poor farmer’s son, hailing from Erode district in Tamil Nadu underwent a heart transplant surgery free of cost. The surgery was covered under the Chief Minister’s Comprehensive Health Insurance Scheme.

      The surgery of the man took place in Kovai Medical Centre and Hospital in Coimbatore (KMCH). The transplant was performed with a heart donated from a brain dead person last week. The entire surgery was done free of cost with the help of the Tamil Nadu Chief Minister's Comprehensive Health Insurance Scheme.

      KMCH chairman Nalla G Palaniswamy stated that the whole process, from harvesting the organ to transporting it, had to be carried out very fast since the patient’s heart was functioning only 15 percent. Usually, heart transplants cost approximately Rs.14 lakh with anadditional Rs.1-2 lakh for post-surgery medication.

      18 January 2019

    • Gem and jewellery body to issue ID cards, health insurance scheme for artisans

      The Gem and Jewellery Export Promotion Council (GJEPC) has introduced identity cards for artisans in West Bengal. The ID cards are all set to be rolled out nationally later this month. The apex body of gems and jewellery industry is also holding advanced talks with the ministry of skill development and entrepreneurship (MoSDE) to nationally classify the artisans and workers in the sector under the Labour Management Information System (LMIS).

      The classification will prove to be beneficial for the workers as it will provide additional benefits under relevant schemes of the MoSDE. The council has also created Swasthya Kosh, a fund designed to offer health insurance to ID card holders and their families.

      The introduction of the ID card will ensure proper authentication for social security purposes. With this project, the GJEPC aims to create a well-crafted database of the workers in the gems and jewellery industry to provide them with better job opportunities, financial assistance, and healthcare care services through the specially designed smart cards.

      18 January 2019

    • General insurance private sector players overtake PSUs in market share

      The market share of state-owned insurance players has dipped from 47% to 45%. In the FY17, the new crop insurance scheme of the government caused a spike in the non-life premiums, leading to a drop in growth rates from 33%. In FY18, the sales in non-life insurance policies was up by 10% selling 1,708 lakh policies. In 2017-2018, the non-life industry grew to Rs.1.50 lakh crore from Rs.1.28 lakh crore, which is 18%. In FY18, the only PSU that increased its share to 15% was New India Assurance. Despite a fall in market share from 8.37% to 8.20%, ICICI Lombard continued as the top private in the premium income category. Private companies had an increase in policy numbers to 26% whereas the sales of PSUs shrank by 5.8% for the number of policies that were sold. The health insurance sector saw the highest growth in premium, rising to 22%, or Rs.41,981 crore in the year 2017.

      17 January 2019

    • Chhattisgarh to replace Center’s health insurance scheme with new scheme

      Chhattisgarh will replace the Center’s national health insurance scheme, the Pradhan Mantri Jan Aarogya Yojana (PMJAY) with its own universal healthcare scheme, as announced by the new Congress state government. The plan is to strengthen the preventative and primary healthcare by focusing on public health facilities. PMJAY currently covers Rs.5 lakh hospitalization expenses for over 40% of the country’s poor which amounts to more than 10 crore beneficiaries. States can choose whether to run the scheme by setting up a trust or by partnering with insurance firms. Of the scheme’s expenses, 60% is contributed by the Central government with the remaining being contributed by each state. Odisha, Telangana, and Delhi are some of the states that have not opted for PMJAY. The Chhattisgarh government is setting up the new plan with consultations with public health professionals. Under the new plan, the state government aims at providing access to free diagnostic and drugs and ensure adequate staffing in public health facilities. Currently, the state government plans to use the funds available under PMJAY and the National Health Mission for this purpose. Similar schemes are being implemented in Delhi, Rajasthan, and Tamil Nadu.

      16 January 2019

    • Vice President of India Urges the Provision of Affordable Health Care to Residents of Rural Areas

      Venkaiah Naidu, the Vice President of India, was addressing Rangaraya Medical College at its Diamond Jubilee which coincided with its Old Students Association’s Golden Jubilee, in Kakinada, last weekend, where he proposed that a doctor in the government service should compulsorily serve in rural regions prior to getting their first promotion. He went on to add that programs and policies are drawn up by the governments to improve medical facilities in India. Young doctors were asked to be sensitive when dealing with patients and their families. He also said that the personal touch and bonding that was necessary in such a work environment was missing in the modern world because of factors such as work pressure, commercialization of the profession and increased reliance on investigations. He asked doctors to establish personal bonds with patients by spending more time with them, calling on the private sector to work with a spirit of missionary zeal, commitment and altruism. He concluded by saying that the country has made considerable improvements so far as the provision of basic as well as advanced medical facilities were concerned.

      14 January 2019

    • Health Insurance Camp Conducted for Transport Body Members in the Capital of Arunachal Pradesh

      Prince Dhawan, the Deputy Commissioner of Itanagar Capital Complex, recently released a special enrolment camp aimed at transport federation members so that they can be enlisted in 3 state and central government schemes – the Chief Minister’s Arogya Arunachal Yojana, the Pradhan Mantri Suraksha Yojana, and the Pradhan Mantri Jeevan Jyoti Bima Yojana. The Deputy Commissioner spoke on the occasion, encouraging all members who are associated with the transport sector as well as those who were part of the All Arunachal Pradesh Transport Federation to ensure that they were enrolled into the above-mentioned schemes. He asked them to also urge others to enroll themselves as well. According to Mr Dhawan, the premiums associated with these schemes is meagre and these schemes can come in very handy in times of hospitalisation and untoward incidents. Previously, the president of the All Arunachal Pradesh Transport Federation, Dobing Sonam, said that there were over 1300 enrolments under all 3 schemes when the camp was conducted earlier in Itanagar.

      11 January 2019

    • Free 2nd renewal offered by Edelweiss health cover

      Provided no claim is made in the first year, Edelweiss General Insurance is offering a free second-year cover for the policy rider with the main aim of getting youngsters to buy health insurance. On paying an additional premium of 25% for a rider, the feature of free renewal is available.

      Mediclaim of Rs.5 lakh can be purchased for a base price of Rs.5,549 by a 30-year old, under this scheme. The policyholder will get Health 241 rider on paying an additional premium of Rs.1,387, which allows him or her to be entitled to a second-year free cover, provided no claims are made in the first year. The total price of the insurance policy will come up to Rs.8,185, inclusive of GST. Features such as Aayush and bariatric treatment are covered under this scheme, apart from free renewal.

      10 January 2019

    • Pre-op bills must be covered by medical insurance

      The State Consumer Commission has passed an order that all tests before a surgery, including an MRI, must be covered by medical insurance. Also, pre-surgery tests and consultation expenses incurred cannot be refused just because it was undergone by the policyholder 30 days prior to the surgery, as further specified by the commission.

      The commission was brought in to book New India Assurance Company Ltd. after it rejected a reimbursement claim pertaining to non-medical expenses and pre-surgery. The claim was made by V Sridhar, a Dombivli resident, for the expenses he incurred for his son’s knee surgery.

      9 January 2019

    • ePharmacy market sales going to hit Rs.25.000 crore by 2022

      The domestic online pharmacy is controlled and calm enough to reach the target of Rs.25,000 crore by 2022 at a huge CAGR of 63% maintained due to the increased access of a majority of under-served people to medicines, increased internet penetration, and drug compliance for chronic illnesses. It is assumed that the online medicine market which currently accounts to R.35,00 crore would be around 15% to 12% of the total sales of pharma sector in next 10 years. As a matter of fact, this surge in the sales of online medicine has resulted from various factors such as 'Digital India movement, ‘Ayushman Bharat’, e-healthcare initiatives, and growing health insurance policies. According to the experts, the retail pharmacy which had suffered from serious competition pressure, lack of documentation, and low inventory management in the past can address all the issues through a technical upgradation of its model. This will streamline the process and computerise the pharmacies resulting in better management.

      8 January 2019

    Get Latest News on Health Insurance

    Customer Reviews

    • United India Health Insurance
      "Good Claim Experience"
      0.5 5.0/5 "Blown Away!"
      I got group insurance from company, on time I got policy. My father was not good at the time I have used the policy. I got the reimbursement around Rs. 23,000 the total value is Rs. 33,000. I went to shobha hospital they don't have tie up with United India, hence I got the reimbursement.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2019
    • Max Bupa Health Insurance
      "Good Claim Experience"
      0.5 5.0/5 "Blown Away!"
      I have medical cover with Max bupa, they gave me the coverage value of Rs. 5 lakhs its covers for entire family. One time I claimed for my mother for the eye surgery, I got the reimbursed within 30 days with 90% of amount, the total experience was good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 18, 2019
    • New India Health Insurance
      "Yet to experience the policy"
      0.5 5.0/5 "Blown Away!"
      My company has provided me a health insurance policy from new India. As per company norms, they have given me a coverage value of Rs. 5 lakhs. My entire family has been covered in this policy. They are offering a cashless treatment facility.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 18, 2019
    • United India Health Insurance
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had taken this insurance policy in the year of 2018 and the the premium has been deducting from my salary. The premium amount has not been too high and there has been many hospitals collaborated within my locality. There has also been some cashless treatment available with this policy as well.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 17, 2019
    • Star Health Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have my health insurance with Star health insurance, i had claim experience with it, my experience was good, they have good tie up with my hospital and they have mailed me about the location of it, and i am happy with there service, they have charged me premium amount on yearly basis, and the premium amount is nominal for me, and i use to pay through on line mode.
      Was this review helpful? 2
      , chennai
      Reviewed on Jan 17, 2019
    • Max Bupa Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken my health insurance with Max BUPA , i have not opt there policy yet and i use to pay premium on monthly bases , and it use to get auto debit from my account and while i applied for health insurance customer service had explained me about all procedure , so far the process went smoothly and it good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 17, 2019
    • Max Bupa Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I got the health insurance with Max bupa health insurance, there service is good, they have charged me premium nominal ,and the premium is on yearly basis, and they have tie up with many hospital , and had shared the details via mail, and i pay premium amount through on line mode.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 17, 2019
    • HDFC Ergo Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I got the health insurance with HDFC Ergo, they got tie up with many hospitals, and they have shared me location on those hospital in mail, and they have charged me nominal premium amount ,they have charged me up to 17000-18000 as premium, it is on yearly basis, and i use to pay the premium on an on line basis.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2019
    • SBI General Health Insurance
      "Bad experience"
      0.5 1.0/5 "Really Bad"
      I got the health insurance with SBI, they got tie up with many hospitals. I Felt the medical cover its less and i am not happy with there support team ,like if i want to call the customer care there number would not be reachable and they use to mail me PDF after paying premium amount,it would not get open, they have charged me premium amount on yearly basis,i have bad experience with this bank.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 16, 2019
    • HDFC Ergo Health Insurance
      "Very good benefits"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance from HDFC ERGO which was purchased by me in the year of 2018 because the benefits are very good. The claim process was simple and they have more number of hospitals for cashless. I have paid 18,800 for one year and took 3 years policy for myself and my wife. The medical coverage is 10L for myself and 5L for wife.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jan 14, 2019
    • HDFC Ergo Health Insurance
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have taken health insurance from HDFC Ergo which was offered along my personal loan. I have received the insurance paper and its been couple of months. It covers critical illness and need to go through the policy benefits. Always the customer is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 14, 2019
    • Tata AIG Health Insurance
      "Great company"
      0.5 5.0/5 "Blown Away!"
      I have taken health insurance from tata aig. I did take health insurance from tata aig for my parents and The Process was so simple. Customer representative is good. The customer service and response was on time, never had any issues. Now I feel safe for my family Thank you tata aig.
      Was this review helpful? 0
      , solapur
      Reviewed on Jan 12, 2019
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