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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 5462 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

    • ICICI Lombard Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken my health insurance with ICICI Lombard general insurance, there service is good, there agent had explain me about the policy which is covered in this insurance and they have tie up with many hospital and they have shared me there location , and the premium amount they have charged me was nominal,i use to pay on yearly basis.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2019
    • HDFC Ergo Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I took my medi claim with HDFC ERGO, they have tie up with many hospital,and they have shared me the location regarding this,they have mention the location on excel,and the premium amount they have charged me is nominal,they have charged me on yearly basis.overall service is good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2019
    • Apollo Munich Health Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      My organization has given me a health insurance from Apollo Munich. I have not gone through about the documents and hospital list. My entire family has been covered in this policy. They have given me a satisfied coverage value. I have not contact the customer care so far.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 20, 2019
    • HDFC Ergo Health Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      I have purchased the health insurance from HDFC Ergo. For some enquiry, i have called the customer care service and they have resolved my query immediately. I have not made any claim experience so far. I pay the premium amount of Rs. 37000 and myself has been covered in this policy.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 20, 2019
    • Star Health Health Insurance
      "Less premium with Extra benefits"
      0.5 3.0/5 "Satisfactory"
      Taken my health insurance policy recently from Star. Till now i have not spoke with the customer care. Since my age is above 50, i made the premium amount of Rs. 17000. Myself, my wife and child has been covered in this policy. They have given me a coverage value of Rs. 4 lakhs. Almost major hospital has been covered in this list.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2019
    • Reliance General Health Insurance
      "Overall Experience is good"
      0.5 4.0/5 "Great!"
      I'm using the health insurance from Reliance last 5 years. Since I'm the in charge of corporate insurance the customer care service is really fine. I made many claim from Reliance for other employee. As per the policy, they are fulfilling the customer needs. They are providing good cashless treatment facility. They used to send a updation on a regular basis.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2019
    • Apollo Munich Health Insurance
      "Very Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have a corporate covered health insurance policy from Apollo Munich. They have given me a coverage value of Rs. 4 lakhs. My entire family has been covered in this policy. This policy covers all the major hospitals in all over India. I have not made any claim so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 20, 2019
    • ICICI Lombard Health Insurance
      "Average Policy"
      0.5 3.0/5 "Satisfactory"
      My health insurance was purchased from ICICI Lombard. To apply the claim, its a lengthy process. I had a claim experience and they have given the claim upto 80%. I pay the premium amount of Rs. 12500 every year. My entire family has been covered in this policy.
      Was this review helpful? 0
      , indore
      Reviewed on Jan 20, 2019
    • HDFC Ergo Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I experience my health insurance with HDFC Ergo,they have tie up many hospital ,i have not have claim experience yet,there is cashless treatment option available,the premium they have charged me on monthly basis,they have charged me up to 700 which is nominal , i pay premium through on line.
      Was this review helpful? 0
      , kolkata
      Reviewed on Jan 20, 2019
    • ICICI Lombard Health Insurance
      "Bad experience"
      0.5 1.0/5 "Really Bad"
      I hold health insurance with ICICI lombard,they have tie up with many hospital , and even they have shared me the location in pdf form, and i pay previously premium on yearly basis, but now it is flexible pay option is available, and i use to pay on monthly basis, up to 878 rupees ,it is bit high compare to market value,there is cashless treatment available.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jan 19, 2019
    • Max Bupa Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have chosen this MAX BUPA insurance mainly because of convincing premium benefits . This policy covers Cashless hospitalization. , pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits and the premium amount which am paying is satisfied , Am making the payment through online .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 19, 2019
    • Star Health Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been using health insurance with Star health insurance, the agent had clearly explain me amount the claim policy, and they have tie up with my hospital, and they have charged me location regarding to hospital location, there premium amount is on yearly basis, and it use to get auto debited from my account.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 19, 2019
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