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    • IRDAI proposed to permit the exclusion of certain lifestyle diseases

      The Insurance Regulatory and Development Authority of India (IRDAI) has recently proposed to permit the exclusion of certain lifestyle diseases from the pre-existing disease list so that people can avail health insurance for unrelated illnesses. This proposal has been made by IRDAI to enable people suffering from lifestyle illnesses to get access to health coverage as they are usually deprived of the same. As a matter of fact, in India, people who have undergone treatments like coronary stenting, angiography, or other preventive treatments are denied health cover despite long survival periods as they are labelled as heart patients. Even if in certain cases the insurers allow them to buy a health insurance policy, they are charged with a very high premium. Moreover, they are offered with a health cover only if the parameters are within the permissible limit. In such a situation, the recent proposal from IRDAI is expected to make things easier for individuals suffering from lifestyle diseases such as diabetics and heart issues.

      16th July 2019

    • Modi Government continued the trend of higher health allocation trend of Budget 2019-20

      The full 2019-20 Budget, which is the second budget presented by the Modi Government, has made 23% higher allocation for health than Budget 2018-19. With this, the Modi government has continued the trend of allocating more funds to health than Man Mohan Singh government. The allocation for the health sector in Budget 2019-20 is Rs.64,999 crore, which is 23% higher than Rs.52,800 crore allocated in Budget 2018-19. As a matter of fact, the Modi Government had presented its first budget in February 2015 for FY2015-16. Since then, every year the health allocation has increased by an average of 21.83%. In comparison, the increase in the yearly health allocations in the budgets of Man Mohan Singh Government were much lesser.

      10th July 2019

    • Karunya Benevolent Fund Scheme: Features

      A scheme funded by the Kerala Government, the Karunya Benevolent Fund scheme basically aids the marginal sections of the Indian society financially. The funds for this scheme are raised through the Kerala lottery and basically help provide financial aid to poor people suffering from serious medical ailments. Diseases covered by Karunya Benevolent Fund Scheme include cancer, kidney diseases, heart diseases, Hemophilia. The scheme also provides palliative care. This is especially beneficial for that section of the society that is unable to take care of their medical needs and therefore suffer for it. The most striking feature of the scheme is that the fund money is raised through a lottery system. The income that is generated from the scheme’s lottery is directed towards providing financial assistance to the underprivileged sections of the society.

      13th July 2019

    • Insulin-dependent diabetic individuals may be denied health cover

      When you buy a new health cover, diabetes will be considered a pre-existing illness for which most insurers will have a clause of a waiting period ranging between one and four years. This means that any diabetes-related illness will get coverage only on completion of the waiting period. Some insurers may offer you a health insurance policy depending on the severity of diabetes. However, you may be charged an additional premium. However, individuals that are dependent on insulin may be denied a health cover by most insurers. Hence, before you apply for a new insurance policy, ensure that you inquire about the insurance provider’s underwriting benchmarks. Typically, larger insurance firms have a more liberal approach when it comes to such conditions.

      12 July 2019

    • Health insurance plans for parents

      It is important for every working individual to ensure his/her ageing parents are covered under comprehensive health insurance policies. A health insurance product for parents should offer coverage for an array of health conditions from diabetes-related treatments to critical ailments such as organ transplants. The plans should also cover pre-existing ailments because more often than not, treatments for a specific ailment will be connected to a pre-existing ailment. If the pre-existing ailment itself is not covered, treatments connected to it will not be covered.

      Various health insurance companies such as Star Health, ICICI Prudential, Religare, and Max Bupa offer health insurance plans for senior citizens. Star Health offers an insurance plan called Red Carpet that is specially designed for ageing parents. This plan does not require any pre-medical examination and pre-existing diseases are covered without any waiting period. ICICI Prudential offers health insurance policies and critical illness plans that can be bought together to avail maximum coverage against medical emergencies. Religare offers a plan called Care Senior that provides coverage to senior citizens for various treatments. The highlight of the policy is that the sum insured amount increases each year if no claim has been made. Max Bupa offers Health Companion which offers free health checkups, daycare surgeries, and Ayush treatments.

      18 June 2019

    • Top health plans for 30 to 45-year-olds with sum assured of Rs.20 lakh

      Health Insurance policies are a necessity to fight rising medical costs. However, there are certain criteria that you must keep in mind when buying a health insurance plan. Factors like premium rates, coverage, cashless hospital network, NCB, etc. Determining the coverage is essential when choosing the right plan. A low coverage amount may be cheap, but it won't cover our medical needs whereas investing in a high coverage plan with riders you don't need may prove to be a waste of money.

      Assess your needs to find the best cover. For individuals aged between 30 years and 45 years, some of the best health policies with a sum assured of RS.20 lakh are ICICI Lombard's Health plan, Apollo Munich's Easy Health Exclusive, Max Bupa's Health Companion plan, and Cigna TTK's ProHealth plan. All these plans offer a wellness program, affordable premium rates, a high claim settlement ration, and a restore benefit option.

      7 June 2019

    • Premium for motor third party insurance revised by IRDAI

      The Insurance Regulatory and Development Authority of India (IRDAI) has proposed changes in the prices of motor third party insurance for this financial year. The revised rates were recently released by the authority and the changes will be applicable from June 16. Cars below 1000cc will have to pay an increased price of Rs.2,072 in comparison to the old rate of Rs.1,850. Insurance for cars above 1000cc but below 1500cc will cost Rs.2,863. The rates for cars exceeding 1500 cc remains the same.

      The 150cc to 350cc segment in the two-wheeler category witnessed the highest hike of 21%. The premium was raised from Rs.985 to Rs.1,193. For the vehicles in 75cc to 150cc segment, the rates were hiked by Rs.32. The prices for two wheelers above 350cc remains the same. Two new categories for electric vehicles were also introduced by IRDAI this year.

      12 June 2019

    • Super Mediclaim Launched by Religare Health Insurance

      One of the biggest and best health insurance companies in India, Religare Health Insurance, has unveiled its state-of-the-art hospitalisation insurance products called the Super Mediclaim. This product includes a comprehensive range of health insurance schemes for surgeries and critical illnesses. 32 defined critical illnesses will be covered under the scheme, including cancer treatment, surgeries and heart disease treatment. Super Mediclaim is said to be cost effective because it provides a variety of other benefits such as preventive health check up, cost of treatment and care, cover against relapse of the disease, OPD expenses, recuperation expenses, and psychiatric counselling. The product will be available in 4 variants – Heart Mediclaim, which provides insurance cover against 17 critical heart conditions such as bypass surgeries, heart attack, angioplasty, etc.; Cancer Mediclaim that provides cover against all kinds of cancer; Operation Mediclaim that provides cover against all kinds of surgeries; and Critical Mediclaim which offers cover against 32 critical illnesses.

      30 March 2019

    • Future Health Suraksha’s second phase launched by Future Generali India Insurance

      The general insurance wing of Generali – the global insurer and Future Group – the retail mammoth, Future Generali India Insurance Company Limited, has released the second version of Future Health Suraksha – a product that will come with a number of new features to offer greater benefits to customers. Future Generali India Insurance’s Principal Officer and Key Managerial Personnel, Dr. Shreeraj Deshpande, said that one of the company’s flagship health products is the Future Health Suraksha, before going on to say that it now has added benefits to cater to the increasing customer demand to counter rising healthcare costs. He also said that customers now have access to several new features such as easy premium payment in addition to a number of other discounts under the long-term and family segments with Future Health Suraksha. The policy’s entry age is three months to 70 years, and the renewal can be done at any time during the life of the insured. A long term policy can also be chosen with a tenure of up to three years, and the sum insured can range from Rs.50,000 to Rs.10 lakh.

      29 March 2019

    • Dr. Dhanya Dharmapalan Becomes Youngest Editor of Paediatric Books

      A Paediatrics and Infectious Disease Consultant, Dr. Dhanya Dharmapalan, has set a record by becoming the youngest editor of paediatric books. Dharmapalan edited the 1st Edition of ‘IAP Colour Atlas of Paediatrics’. She has edited 13 paediatric books so far in her career, and the felicitation ceremony was held in Navi Mumbai, at Apollo Hospitals by the India Book of Records, which is affiliated to the Asia Book of Records. Dr. Dharmapalan is 32 years old and works as a consulting paediatrician and infectious disease specialist at Apollo Hospitals in Navi Mumbai. She is set to feature in the 2020 edition of the India Book of Records for her achievement. The CEO of Apollo Hospitals, Dr. Narendra Trivedi, said that the endeavour of those at Apollo Hospitals has been to nurture and support talent and ensure their growth, adding that everyone at the hospital is privileged and proud to have Dr. Dharmapalan in their midst. He also said that he hopes to have such accolades and achievements in the future before congratulating Dr. Dharmapalan on her achievement.

      28 March 2019

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    Customer Reviews

    • HDFC Ergo Health Insurance
      "It's Excellent interms of claims but transparency needed for"
      0.5 3.0/5 "Satisfactory"
      HDFC has sold me a health insurance policy and they said after 3 years it covers maternity. But when I enquire they said its not covered in the policy and this feature is only applicable in Gold policy other than this no issues with HDFC for last 12 years. I did not have proof for this so suggest them it does not happen to any customer in future. I quite this policy from HDFC ERGO and its been one year. I took claims, it was fine. The medical coverage was satisfactory.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 20, 2019
    • United India
      United India Health Insurance
      "Medical cover should be increased"
      0.5 4.0/5 "Great!"
      My company gave me the medical card of United India, they gave me the mediclaim value of Rs. 2 lakhs its not sufficient when I am trying to enhanced the sum assured. My employer said to pay 10% of money from my end hence I dropped it, I think the insurer is providing cover for all the disease.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 20, 2019
    • review Health Insurance
      "So far its good"
      0.5 5.0/5 "Blown Away!"
      My company has provided me a health insurance with Iffco Tokio and its been 2 years. They are deducting monthly 2000 rupees from my salary. There is no claims applicable. The policy coverage is 6L for family members. They are covered with all type of major hospitals.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 20, 2019
    • ICICI Lombard Health Insurance
      "Good claim ratio with ICICI lombard"
      0.5 5.0/5 "Blown Away!"
      The service is faster and the claim settlement ratio is good. I have mediclaim value of Rs. 5 lakhs its covers my spouse and children, they don't have critical illness in the corporate policy. They got tied up with many hospitals in my area.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Jul 19, 2019
    • Oriental Insurance Health Insurance
      "Good for health"
      0.5 5.0/5 "Blown Away!"
      My company gave me the mediclaim of Rs. 50 lakhs its covers for my entire family around three members. They got tie up with many hospital, there was no additional value added but they are good in customer service. But I don't have any claim so far.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 18, 2019
    • HDFC Ergo Health Insurance
      "Good insurer"
      0.5 4.0/5 "Great!"
      I have taken a health insurance in HDFC ERGO on 2 years before. The policy is for yearly renewable.I am paying premium amount of 3 thousands in the half yearly package. While getting a policy my agent has given an information about the policy details. I use to do payments through an online. Tied up with many hospitals.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 17, 2019
    • Religare Health Insurance
      "Good insurer"
      0.5 4.0/5 "Great!"
      I have taken a health insurance in RELIGARE HEALTH on 2 months before. I am paying premium in the monthly package. While getting a policy my agent has given an information about the policy details. I use to do payments through an online.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 17, 2019
    • Royal Sundaram Health Insurance
      "Good insurer"
      0.5 4.0/5 "Great!"
      I have taken a health insurance in ROYAL SUNDARAM on last month only. I am paying premium in the monthly package. While getting a policy my agent has given an information about the policy details. They have tied up with particular hospitals only. I use to do payments through an online.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 17, 2019
    • Star Health Health Insurance
      "Good health insurance"
      0.5 5.0/5 "Blown Away!"
      5 years back, i have started taking the health insurance from Star health insurance. They are providing some discounts also but i did not get any claim till now. Its because of the best services an the premium is less hence i have purchased the policy with them. My entire family has been covered in this policy. I don't have any claim experience.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 16, 2019
    • HDFC Ergo Health Insurance
      "Not recommendable policy"
      0.5 3.0/5 "Satisfactory"
      I have chosen the health insurance from HDFC Ergo without any reason. I have been using the policy for a long time but they haven't provide the no claim bonus till now. They have provided me a coverage value of Rs. 7 lakhs and the executive come to my place to renew the policy. I do not have any claim bonus.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 16, 2019
    • United India Health Insurance
      "Good 100% claim policy"
      0.5 5.0/5 "Blown Away!"
      My employer has provided me a health insurance policy from United India. Myself and my entire family has been covered in this policy with a coverage value of Rs. 10 lakhs for each person. I had a claim experience which was very fast and smooth. It was cashless facility covered for 100%. Overall, I'm very much satisfied with the policy.
      Was this review helpful? 0
      , greater noida
      Reviewed on Jul 15, 2019
    • Max Bupa Health Insurance
      "Need to decrease premium amount"
      0.5 5.0/5 "Blown Away!"
      I have taken a health insurance in MAX BUPA. The policy is for one year but it will getting renew on every year. I am paying premium in the yearly package and the amount is too high. While getting a policy my agent has given an information about the policy details. They have tied up with particular hospitals only and cashless also applicable.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 15, 2019
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