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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
    Health Insurance provides you a safety net by protecting you from paying heavy amounts on your medical costs. It ensures you get cashless hospitalization or expenses reimbursement when you fall sick or meet with an accident.
    rated 4.0/5.0 by 5345 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

    GST rate of 18% applicable for all financial services effective July 1, 2017.

    Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

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

    • Gates Foundation states that Ayushman Bharat is a safety net for the poor

      The Gates Foundation has stated that Ayushman Bharat, the Government of India’s flagship health insurance scheme, has the potential to be transformative for the healthcare scenario in the country. It was seen as a safety net for the poor, making tertiary healthcare more accessible to the poor while also complementing primary healthcare initiatives by the government such as maternal care, sanitation, and immunisation. It helps in reducing poverty and protecting the poor from bankruptcy due to financial obligations of healthcare. Conducted in association with the National Health Agency, Ayushman Bharat also has an exhaustive database and information technology support that provides statistics on health infrastructure and disease burdens on a national level.

      18 December 2018

    • Jharkhand Journalists to Receive Health Insurance Coverage from State Government

      Health insurance is one of the most important things that people should be owning in today’s date. More than the sheer coverage that comes along with health insurance, people also remain relatively more stress-free when it comes down to taking care of expenses such as medical contingencies or diagnosis of a critical or terminal illness.

      These days, obtaining a health insurance policy has become easier than ever because of the availability or accessibility of resources online. People tend to analyse the benefits, features, and provisions of multiple health insurance policies before finally deciding which one to buy. If you do not purchase a health insurance policy, the chances of you incurring a higher expenditure during a medical contingency increases tenfold. Health insurance policies also provide multiple tax benefits that offer some monetary relief to the policyholder and his/her family.

      In a similar case, the State of Jharkhand has recently decided to offer comprehensive health insurance policies to all its State journalists and media persons. An important official of the Jharkhand State Department recently said that the scheme that has been offered to the media people will be in the same line as the Ayushman Bharat National Health Protection Mission. It has also been reported that the family members of the scribes will also be able to take advantage of the benefits offered under the health insurance scheme.

      It is important that people have sufficient and adequate health insurance coverage to sustain themselves with.

      17 December 2018

    • Government of Delhi’s Ambitious Health Insurance Scheme Yet to Commence

      Ayushman Bharat - National Health Protection Mission (AB - NHPM) is essentially the Indian Government’s biggest health insurance programme targeted especially at the underprivileged and poorer sections of the society. Delhi was amongst the few states that had not implemented Ayushman Bharat initially. However, it looks like the State might take up the health scheme anytime soon.

      The current Chief Minister of Delhi, Mr. Manish Sisodia had initially announced the scheme to get launched on 22 March and had also allocated an amount of Rs.100 crore in the Union Budget of the year 2018-19. The Government of India will be paying premiums for the poor and downtrodden, and fix a certain subsidised premium amount for the individuals who are paying by themselves.

      In order to design the scheme, an expert committee was initially set up but the committee halted its meetings and stopped making any recommendations or suggestions thereafter. Another senior official from the Delhi Government recently said ‘A committee was constituted at the beginning of the financial year to design a universal health coverage scheme. Nine meetings were held and the committee had agreed upon some recommendations, but these were never formally submitted. The plan was to use the framework of the Central scheme as it had ready-references for tender document

      17 December 2018

    • Non-Life Insurance Companies Want Clarity on Mental Health Coverage

      The Insurance Regulatory and Development Authority of India recently pondered on the subject of mental health and mental ailments and how important it is for insurance companies to provide adequate coverage for them. Additionally, with the passage of the Mental Healthcare Act, it has now become mandatory for all insurance companies to offer sufficient coverage for mental health ailments and illnesses.

      Since all provisions and all aspects of the Act have been successfully implemented, all the medical procedures and surgeries related to the mental health will be required to be covered under health insurance policies. Therapy sessions with shrinks and psychiatrists have also commenced to be covered under health insurance policies. Earlier, the same sessions would typically cost around Rs.1,500 to Rs.2,000 for one sitting, which is a big amount for the commoners of India. With sufficient coverage, one can now focus on making themselves better instead of the financial requirements that come with it.

      On a global level, self-inflicted injury or attempts to suicide are kept out of the purview of health insurance policies. If this is the existing precedent, India too will be bound to follow it. However, IRDAI has not yet released any list that contains what elements are included and which are the ones that have been excluded.

      12 December 2018

    • Venkaiah Naidu Stresses on the Importance of Health Insurance Coverage Expansion

      Vice President, M Venkaiah Naidu expressed his concern recently which was aimed towards the miniscule penetration of health insurance in India. He stressed on the importance of being insured, especially in a country like India, where diseases are many and costs of treatments are very high. Out of the entire Indian population, only a few of them actually have bothered to invest in standalone health insurance policies, rest all of them have become part of the corporate health covers or group insurance policies. Even though the Indian Government (State and Central) has extended the benefits of a health insurance policy and subsequent coverage to the Below Poverty Line (BPL) families, India still remains to be properly aware about the importance of being insured, especially during a medical emergency wherein funds are usually running low.

      He said apart from the specialised care and treatment that India has in place currently for its mothers and babies, it is also in dire need of specialized, pediatric care doctors and nursing professionals. He also added ‘While there is a need for setting up more specialized children’s hospitals, the private sector must ensure that the treatment provided by them is not only accessible but also affordable.’

      He also said that India has in fact improved its infrastructure in the realm of neonatal care and infant care, but he also strongly holds the opinion that India still has a long way to go in terms of better medical care.

      11 December 2018

    • Jaguar Land Rover Launches the XJ50 in India

      The latest model is a diesel-powered sedan that comes with a more than a few premium features for both the interiors and exteriors. Some of them include soft-grain diamond quilted seats, anodised gearshift paddles, and illuminated badges. In terms of entertainment, the car comes fitted with a touchscreen infotainment system, an on-board wifi system, 10-inch HD screens for the occupants of the back seat, and a TFT instrument cluster.

      The XJ50 is powered by a 3.0-litre V6 diesel engine that comes with an 8-speed automatic gearbox. The engine produces a maximump power of 306ps and a torque of 689Nm. JLR has opened booking for its latest offering across all cities in the country.

      11 December 2018

    • Vice President of India Stresses the Importance of Mental Health Treatment

      Vice President Venkaiah Naidu has expressed concern over the status of the mental health of the citizens in the country. In a conference in Hyderabad held by the Indian Association of Private Psychiatry, the Vice President stressed on the need for prolonged treatment for mentally ill patients with major psychiatric disorders.

      He threw light on the direct costs involved for seeking treatment, medication and therapy in addition to the indirect costs involved for the caregivers. Mr Naidu stated that the public health care system needed to be strengthened to provide better access to treatment and reduce out-of-pocket expenditure. Since this is yet to be established, patients should opt for insurance policies that provide coverage for mental health treatment.

      10 December 2018

    • Ayushman Bharat health insurance scheme launched in Jammu & Kashmir

      The Ayushman Bharat-Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), the Government of India’s health insurance scheme, was launched in the state of Jammu & Kashmir by the Governor on Saturday.

      The scheme is expected to reach 31 lakh beneficiaries. Tertiary and secondary care hospitals would ensure that the vulnerable and poor sections of society received medical care. Each family under the scheme is entitled to Rs.5 lakh portable coverage on an annual basis. The beneficiaries can avail cashless benefits from private and public hospitals that are empanelled under the scheme. For critical diseases, the beneficiaries would receive paperless and cashless coverage. Coverage is also extended to pre-existing diseases. A drive has been launched in the state to get beneficiaries registered for the Golden Card, which enables beneficiaries to avail the the annual health care coverage. More than 140 private and government hospitals have been empanelled in the state under the scheme.

      10 December 2018

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    Customer Reviews

    • Apollo Munich Health Insurance
      "Its best insurance for the health"
      0.5 5.0/5 "Blown Away!"
      The claim is easy they approve everything I heard lots of customer using it, the customer support is good they gave me the policy document on time. They gave me Rs. 10 lakhs of medical cover, they have tie up with all the major hospitals like fortis, apollo. They have cash less treatment.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • Bajaj Allianz Health Insurance
      "Good Doctor for Health"
      0.5 5.0/5 "Blown Away!"
      My medical policy belongs to Bajaj Allianz, I am working same company hence they gave me best benefits. They do have pre existing disease they got tie up major hospitals, they have helpline of 24/7, the medical value around Rs. 5 lakhs for my entire family.
      Was this review helpful? 0
      , pune
      Reviewed on Dec 14, 2018
    • Future Generali Health Insurance
      "Good and effective policy"
      0.5 5.0/5 "Blown Away!"
      Its a family floater policy. They have given me a coverage amount of Rs. 2 lakhs. The policy has been given by my company. I have gone through the hospital list and many of the hospitals are listed in the cashless treatment facility. My total family has been covered by this policy.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2018
    • Apollo Munich Health Insurance
      "Good for health "
      0.5 5.0/5 "Blown Away!"
      I have medical policy for the coverage around Rs. 5 lakhs, they do have pre existing disease cover. The process generation is quick, they send the insurance card with the list of hospitals details. I am very fine with Apollo Munich health benefits.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2018
    • Star Health Health Insurance
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      I have personal health policy with Star Health, the process was smooth, the premium is economical. They have generated the policy without any hassles, I took family policy for Rs. 5 lakhs. They have cash less facility but they don't have pre existing disease cover. They got tie up with many hospitals.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 13, 2018
    • HDFC Ergo Health Insurance
      "Every must need this policy for future"
      0.5 5.0/5 "Blown Away!"
      My health insurance policy was taken with HDFC Ergo. They have provided me a coverage amount of RS. 8 lakhs. I have to pay the premium amount of Rs. 6000 for 4 years till my loan tenure period. When i purchase the loan, they have given this policy. I have not claimed anything from this policy. The hospital list was fine.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Dec 13, 2018
    • HDFC Ergo Health Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken Health insurance from Hdfc ergo insurance . Am satisfied with the premium amount which am making the payment yearly . This policy gives good coverage with cashless hospitalization and pre disease cover . Even they have given network list of hospitals .Overall am satisfied with the service
      Was this review helpful? 2
      , faridabad
      Reviewed on Dec 13, 2018
    • National Insurance Health Insurance
      "Good for emergency purpose"
      0.5 5.0/5 "Blown Away!"
      The medical claim around Rs. 5 lakhs, its for my entire family. I used this policy for my father bypass surgery, it was cash less in Asian heart hospital the taken 6 to 7 days to settle 100% of claim. It covers major and minor disease it was corporate plan.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 13, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with ICICI LOMBARD from last 2 months, there was no claim experience so far with this insurance policy. I am not aware of the premium amount as my company pays it. I have a coverage value of Rs 1 lac for this insurance.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 13, 2018
    • Star Health Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have been holding my health insurance with Star health & allied insurance from past one year, they have explain me the policy benefit, and they have tie up with many hospital and they have shared me location as well, and the premium amount they have charged me up to 5000 it is nominal and they charge premium on yearly basis.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 12, 2018
    • Apollo Munich Health Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken health insurance from Apollo munich . Am satisfied with the premium amount which am making the payment . This policy covers cashless hospitalization . They have given the network list of hospital . Overall am satisfied with the policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 12, 2018
    • SBI General Health Insurance
      "Yet to claim the policy"
      0.5 3.0/5 "Satisfactory"
      Total coverage of my medical policy is 2 lakhs. I have purchased a health insurance with SBI General. I make the premium amount of Rs. 9000. Most of the hospitals are covered in all the prime location. I had no claim experience with this policy. Me & my wife are covered in this policy.
      Was this review helpful? 1
      , guwahati
      Reviewed on Dec 12, 2018
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