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    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 5564 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

    • An integrated approach needed to bring in universal healthcare

      The secretary-general of Indian Pharmaceutical Alliance, D G Shah, recently said that India requires a comprehensive approach to healthcare where the providers and payers will work together, and their focus will be to attain universal healthcare for the patients. Shah said this while addressing the CII Healthcare, Pharma, and Medtech Conclave 2019. He further added that the payers such (i.e. state schemes, private insurance schemes, and Ayushman Bharat) and the providers (i.e. hospitals, pharmaceutical industry, and diagnostic services) should adopt a strategy which is patient centric in nature.

      Parijat Ghosh, a partner at Bain & Company, was the moderator to the session. He said that Healthcare is in flux at the moment. He added that there has been growth in different parts of the sector – that includes pharma, private health insurance, medical device, hospitals, and diagnostics. This is accompanied by a pressure on regulations, margins, manpower, innovation, and enhanced supply of infrastructure. He said that the need to take an integrated approach to all the different aspects of the healthcare sector is of utmost importance. Experts also feel that the Ayushman Bharat scheme needs to be evolved further.

      15 February 2019

    • Approval for Modicare expected to be quicker with new digital system

      In order to improve the amount of coverage of Ayushman Bharat health insurance, the National Health Authority has now made a provision to automatically approve gold cars using a computerised system. This will be replacing the manual approval system currently followed by all the state health agencies. The National Health Authority this week set a record for the highest number of hospital admissions. The NHA also set a record for generation of the most number of gold cards on one day since the date of inception of the scheme. There are now more than 10.80 lakh admissions under Pradhan Mantri Jan Arogya Yojana. National health Authority also managed to generate 4.63 lakh gold cards, the highest generated in a single day. Even though these records are being set, only 1.24 crore such gold cards have been issued by the NHA so far. This means that the scheme has managed to reach 5 crore. This is little low when compared to the 50 crore target they set out to achieve. This is the main reason for implementing auto-approval starting the next week. Chief executives from NHA believe that this auto approval and the new software they will be putting to use will help reaching the beneficiaries at a much faster rate.

      15 February 2019

    • Other health schemes impacted by the push of Ayushman

      The insurance-based health model is being heavily pushed in India in recent times. This has had a big impact on the other preventive public health schemes that were available. As per the data analysed by experts, there has been a slight decrease in the amount contributed to the National Health Mission by the Centre in recent times. There has been a decline of the percentage allocated for National Health Mission. The percentage is now down to 50% for the next year. The Pradhan Mantri Jan Arogya Yojana has received nearly 10% of the total budget allocated for health care. This has resulted in a decrease in the amount of funds allocated for non-communicable diseases. This amount has come down to Rs.717 crore from the Rs.1,004.67 crore that was allocated in the previous year. The amount of spending done by the Centre for health care currently stands at just 0.31 percent of the total GDP. This is much lower than the amount of money that was spent on health care in the recent years. As per the National Health Policy of 2017, there was talk of increasing the amount of public spending to 2.5 of the total GDP by the year 2025. This will mostly mean the Centre will be increase the amount allotted by 30 percent for every year till 2025.

      14 February 2019

    • New health insurance top-up introduced by Future Generali India

      Future Generali India is joint venture of Generali and Future Group. The company has now introduced a new top-up, the Future Advantage top-up. This is a health insurance product offering high amounts of sum insured ranging between Rs.50,000 to Rs.1 crore. This product offers a number of added covers at a lower premium when compared to the usual health insurance products. The principal officer of Future Generali India stated that the current insurance policies available may not offer the required coverage while the other comprehensive insurance plan might be too expensive for many people. The new top-up will try to fill that gap by offering a much wider insurance cover while maintaining the amount of premium making sure it is not too expensive. The new top-up gives the policyholders an option to opt for a higher sum insured. The customers using this plan have the option to choose the deductible they wish. This deductible can either be managed through self-pay or using any other insurance policy. The customer is also given the option to choose the sum insured based on their health care needs. The main difference between this and the other top up options available is that there is no need in this top up to exceed the deductible limit at the time of every claim.

      13 February 2019

    • Financial relief schemes for ASHA and NHM workers rolled out by Assam Government

      The Assam state government announced a spate of financial relief schemes for employees of the National Health Mission (NHM) as well as for Accredited Social Health Activists (ASHA). This was announced at the 2nd ASHA and NHM Convention which was held after nearly a decade. The ‘#AssamCares’ initiatives include increasing the monthly incentive of ASHA workers to Rs.3000 (from Rs.1000), that of ASHA facilitators to Rs.7,500, and immunisation incentives to Rs.400 (from Rs.150). Apart from this, ASHA workers, ASHA supervisors, NHM employees, and their families will get health insurance coverage of Rs.5 lakh per family under the Ayushman Bharat Health Assurance Scheme. The NHM employees, ASHA supervisors, and ASHA workers will also get a pension of Rs.3,000 per month after the age of 60 as per the Atal Pension Yojana (APY) scheme. The state government will pay 50% of the premium with the other half being paid by the employee, with the maximum employee contribution being Rs.873 monthly. In the event of the death of an NHM employee during a contractual engagement under the NHM, the next of kin of the deceased will receive Rs.5 lakh financial assistance. The nominee will also get the additional benefit of the Pradhan Mantri Suraksha Bima Yojana (PMSBY). There are currently 20,921 NHM employees and 31,955 ASHA workers.

      12 February 2019

    • State Government of Karnataka Decides to Withdraw from Ayushman Bharat Scheme

      The State Government of Karnataka has decided that it will withdraw from the Ayushman Bharat scheme. Mr. H.D. Kumaraswamy, the Chief Minister of Karnataka, said the Yeshasvini scheme will be re-implemented in the state in place of the central government’s scheme. The state government decided to withdraw from the scheme since it hasn’t received adequate funds from the central government.

      The Yeshasvini scheme, which was launched in the year 2003, was one of the biggest self-funded healthcare schemes in the country. It was especially popular among farmers in the state. The scheme covered a total of 823 surgical procedures. Individuals who were members of a co-operative society could enrol under the scheme.

      11 February 2019

    • Pharma and healthcare demands overlooked in Union Budget 2019

      The pharma and healthcare sector’s demands have been overlooked in the Union Budget 2019 and that has left the sector in a state of confusion. Their demands included the cutting down of corporate tax to 25% and the resumption of 200% weighted deduction on Research and Development (R&D). The allocation of budget (except for Ayushman Bharat) is not at par with the rising burden of diseases, the human resources, and the demand for healthcare infrastructure.

      The total budget which has been allocated for the Department of Health and Family Welfare for the financial year 2019-20 is Rs.61,398.12 crore. That implies an increase of 13% as compared to the current financial year. The increase in health allocation is 6%, keeping aside the allocation for Ayushman Bharat. The allocation for immunisation and vaccination has been cut down by 7% and set at Rs.6,758.46 crore only. The budget did not address the problem in regard to angel tax for healthcare start-ups as well. However, on this matter, the Managing Director of Wockhardt, Dr. Murtaza Khorakiwala said, “Since it is an interim budget, with elections round the corner, we can’t expect the government to announce plans or address specific issues of the industry.”

      9 February 2019

    • Rs.20 crore allocated by the government for Hunger-Free Kerala project

      Thomas Issac, the finance minister of Kerala, announced Rs.20 crore for the Hunger-Free Kerala project while presenting the Kerala Budget 2019-20. While presenting the budget he made several major announcements related to the health sector including comprehensive health insurance schemes. During his budget speech, Issac confirmed that the comprehensive insurance scheme will be implemented this year in four parts. He also stated that under this scheme all families in Kerala will get an extensive insurance coverage. While the government will pay the insurance premium for up to 40 lakh people others have to join the scheme by paying the premium. Also, the insurance companies will directly provide medical expenses of up to Rs.1 lakh and up to Rs.5 lakh will be provided for lifestyle diseases. As a matter of fact, this is the 10th budget of Thomas Issac and the third budget of Pinarayi Vijayan government.

      8 February 2019

    • More than 10 lakh patients managed to save Rs.3,000 crore with Ayushman Bharat Scheme

      One of the biggest talking points about the development of the healthcare sector in the last five years is the Ayushman Bharat health insurance scheme. With close to 10 lakh patients already getting the benefit from Pradhan Mantri Jan Arogya Yojana, a state-run insurance scheme. Patients managed to save up to Rs.3,000 crore that they may have spent on the treatment, according to the announcement made by the finance minister regarding the upcoming budget. The government is planning to expand the coverage offered under the scheme. The government is planning to increase the allocation for the PMJAY scheme, increasing it to Rs.6,400 crore from the Rs.2,400 crore that was allocated this scheme in 2018-19 for the next financial year. This PMJAY scheme falls under the Ayushman Bharat scheme and was introduced to provide the much-needed annual health cover that is needed by close to 11 crore deprived families. The government is also planning to increase the budget they are planning to allocate for the health centers and has managed to set aside Rs.950 crore for the same. The budget allocated for the National Health Mission has now increased from the existing allocation by just 5% this year.

      7 February 2019

    • Health sector gets more than Rs.6 thousand crore in Interim Budget 2019

      While presenting the Interim Budget for the financial year 2019-20, the Finance Minister Piyush Goyal has announced that a budget of Rs.61,398 crore will be allocated for the health sector. Out of the entire allocated amount, a sum of Rs.6,400 crore has been set to be used for the AB-PMJAY health insurance scheme.

      In comparison to the 2018 Budget, the allocation has increased by 16% for the current fiscal. An allocation of Rs.52,800 crore was made for the 2018 Budget. The Ayushman Bharat- Pradhan Mantri Jan Arogya Yojana (AB-PMJAY) was launched in India by the Prime Minister, Narendra Modi. The main aim of the scheme is to provide a cover of Rs.5 lakh per annum for each family. This scheme will benefit more than 10 crore families across the nation. Under the program, around 1.5 lakh primary health centre and sub-centres are set to be transformed into health and wellness centres by 2022. The services which will be offered in these health and wellness centres are the provisions for treatment of diseases such as cancer, diabetes, blood pressure, and other old age-related illness. The amount allocated for the National Health Mission (NHM) for 2019-20 has been raised to Rs.31,745 crore in comparison to the last budget where the amount allocated was Rs.30,129.61 crore.

      6 February 2019

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    Customer Reviews

    • Royal Sundaram Health Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I hold a health insurance policy with Royal Sundaram from long time and it is an average policy. I have not claimed anything so far in this insurance policy. I am happy with the coverage value of this insurance and it covers up to Rs 5 lacs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 13, 2019
    • Star Health Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I have a company provided health insurance with Star health from last 6-7 years. I am not aware of the premium amount for this insurance. There was no claim experience so far with this insurance. Coverage value for this policy is for Rs 4 lacs which covers family.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 13, 2019
    • Star Health Health Insurance
      "GOOD"
      0.5 4.0/5 "Great!"
      STAR HEALTH & ALLIED INSURANCE is the provider where i am using the health insurance which gives the coverage for the complete family and the medical coverage is for 3.75L with this policy. I am using it since from last 2 years where the premium is nominal than others.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 13, 2019
    • New India Health Insurance
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I got New India Health Insurance from my Company itself ,came to know the process completely ,it has a cashless facility on this policy and every year need to renew the policy it will be taken card by the company itself ,all those process will be done by my company only.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 13, 2019
    • review Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      Customer said taken Health policy last month and it is also having cashless facility ,agent clearly explained about the products and not yet faced any issue till now .Can renew the policy every year as well,the service was good according to me and the experience was good and Overall service is also good.
      Was this review helpful? 0
      , satara
      Reviewed on Feb 13, 2019
    • HDFC Ergo Health Insurance
      "Very good and transparent policy"
      0.5 5.0/5 "Blown Away!"
      Because of the offers and the scheme was good thats the reason i opted for HDFC Ergo policy. The service has been good so far. I have been paying the premium amount of Rs. 22000 for 2 years. Me and my whole family of 4 members have been covered in this policy. They have given me a coverage value of Rs. 3 lakhs.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 13, 2019
    • United India Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I have taken the health policy for 1yr tenure every year need to renew it it has good features and also can avail cashless facility available on this policy ,i have taken the policy from my company and nor yet faced any difficulties till now and my Overall experience was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 13, 2019
    • Star Health Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using my health insurance with Star health insurance long time. Their service is good, the agent had clearly explained me about the policy and benefit coverage, they have tie up with many hospital, and they have shared me location in an excel sheet, and the premium amount they have charged me was nominal,i use to pay on yearly basis, and i have pay through on line.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 13, 2019
    • review Health Insurance
      "Yet to experience the policy"
      0.5 5.0/5 "Blown Away!"
      My company has provided me a health insurance policy from Aditya Birla. My entire family has been covered in this policy. They have given me a coverage value of Rs. 1.5 lakhs. Since the company is paying the premium, i'm not sure about it. Most of the famous hospitals are covered in Bangalore city. I haven't use the policy so far.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 12, 2019
    • National Insurance Health Insurance
      "Its Average"
      0.5 3.0/5 "Satisfactory"
      My corporate company with National Insurance, the medical value of Rs. 2 lakhs its very low but its covers for entire family. I didn't get the medical card anyway I didn't interact with the customer support. They have minor and major hospitals tie up.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 12, 2019
    • Star Health Health Insurance
      "Excellent"
      0.5 4.0/5 "Great!"
      The medical coverage is very good and they are covering around 5L for each policies. I have purchased 2 health insurance policies for my family members and it includes 2 people on each policy. I have not gone for a claim. I have paid combined 30K for both the policies via online.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 12, 2019
    • Royal Sundaram Health Insurance
      "Average service"
      0.5 3.0/5 "Satisfactory"
      ROYAL SUNDARAM GENERAL INSURANCE is the insurance provider where i am holding the health insurance policy from long time.where i have faced with no claim experience, they have tie up with many hospital and they have share the locations with me.it cash less treatment they will be providing but i have never experience yet.the premium amount i use to pay on yearly basis, and i use to pay through on line.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 12, 2019
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