You need health cover regardless of what you take two at a time - pills or stairs.
  • 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 5013 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

    • Empanelment of Hospitals Commences for Ayushman Bharat

      The Government agency responsible for successfully executing Ayushman Bharat has evidently commenced the process of empaneling private and public hospitals to implement the ambitious Modi Government health scheme all across India.

      The National Health Agency is the apex body responsible to accomplish this task. This development, however, comes at a time when corporate hospitals are rethinking their decision of getting empanelled. This is because of factors like low package rates. Due to this, the Government might have to acclimate with small-scale hospitals which might raise concerns about quality.

      The CEO of National Health Agency, Mr. Indu Bhushan regarding this matter said that hospitals and other healthcare service providers must stand in solidarity for India’s health and their service to mankind.

      19 July 2018

    • Insurance Firms Incur Expenses When Rejecting Medical Claims

      ICICI Lombard General Insurance Company has been directed by the District Consumer Disputes Redressal Forum to pay litigation and compensation costs to the tune of Rs.65,000 for the repudiation of claims of a complainant. The reason given by the company was that the illness could not be claimed prior to the completion of two years under the policy. However, the District Consumer Disputes Redressal Forum was asked to refund the overall claim amount which was Rs.1.74 lakh. The complaint against the company by Sector 15’s Pawan Kumar, who said that the Family Health Optima Insurance Policy was purchased by him on the 20th of August, 2011, and it was valid till the 19th of August, 2012. The coverage offered by the policy was supposed to be Rs.5 lakh and the premium charged was Rs.9,039. He bought another policy – the validity of which ran from the 21st of August, 2013 to the 20th of August, 2014. He had to undergo treatment for a condition and spent Rs.2.03 lakh on it, but when he made the claim, the company rejected it. The insurer then paid Rs.50,000 to Pawan Kumar as a settlement after the matter was redirected to the Insurance Ombudsman.

      18 July 2018

    • Magma HDI to introduce new products for improving its retail insurance suite

      Magma HDI General Insurance Company will soon be launching an overseas travel insurance plan and a group health insurance scheme to improve its retail insurance portfolio. Presently, retail insurance comprises 5% of its overall business. The MD and CEO of Magma HDI, Rajive Kumaraswami, mentioned that the company is looking to boost its share of retail to touch 20-25% in the upcoming 2-3 years.

      The health insurance plan recently launched by the company is named OneHealth. This scheme covers serious medical conditions and lifestyle diseases under the same policy.

      Kumaraswami said that the company will launch a group health insurance plan in the third quarter of this fiscal. The group health insurance scheme will offer coverage to small and medium enterprises to tap into its existing SME customer base. The overseas travel insurance scheme will be launched at the end of the financial year. The company also plans to get into bancassurance partnerships with banks to improve the distribution of its products.

      17 July 2018

    • Government Prepared to Bear Any Given Cost of NHPS

      A member of Niti Aayog, Vinod K Paul recently stated that the Government is prepared to bear any costs and additional expenses incurred towards the ambitious project - National Health Protection Scheme (NHPS).

      The project began with a premium estimation of Rs.1,000 to Rs.1,200 per family, however this amount was believed to be shared between the Centre and the State at the ratio of 6:4. Despite that, certain market analysts had predicted that the premium amount would be much more than the above-mentioned amount. Paul’s statement revealed that whatever the difference is, the Government (Centre and State) will pay the same in entirety.

      Paul’s statement also revealed that out of the 25 states that are onboard with this scheme, half have chosen the ‘trust model’, whereas the other half has chosen the ‘insurance model’.

      16 July 2018

    • ‘Liar Mirror’: HDFC Life’s Health Insurance Ad Campaign

      HDFC Standard Life Insurance Company has launched a 2-minute ad film starring model and actor Lisa Ray and comedian Suresh Menon to highlight the importance of health insurance. The ad film, called Liar Mirror, uses the stories of celebrities who have survived critical illnesses.

      The marketing campaign is insight-driven and uses a consumer approach towards being physically fit and being prepared for any health issues that may arise in the future. The theme of the ad film is based on the deceptive nature of certain health ailments that do not manifest externally.

      In the ad, Lisa Ray and Suresh Menon talk about how their appearance in the mirror did not indicate they were suffering from serious, life-threatening illnesses. The ad encourages people to get regular health check-ups and to be financially equipped to deal with possible illnesses.

      15 July 2018

    • Farm Loan Waiver Approved by Karnataka Coordination Committee

      Karnataka’s committee for coordination of the JD-S-Congress coalition government recently approved a proposal for farm loan waiver. The coalition partners came together in unity to approve this request.

      The committee consists of 5 people and his headed by former Karnataka Chief Minister, Siddaramaiah along with Deputy Chief Minister G. Parameshwara, and Congress state unit in-charge K.C. Venugopal and Kumaraswamy as committee members.

      The finance portfolio is held by Kumaraswamy who will evidently present the maiden budget of 2018-19 during the 10-day monsoon session of the assembly. The all-inclusive state budget will reportedly be launched on 5 July 2018 as planned.

      13 July 2018

    • Proposal Sent to IRDA to Allow Payment of Health Insurance Premiums in Instalments

      A private sector general insurance company has sent a proposal to the Insurance Regulatory Authority of India (IRDA) to consider allowing the payment of insurance premium in equated monthly instalments. If IRDA approves the proposal, a fixed amount will be deducted from the policyholder’s account each month. In India, a regular insurance plan of Rs.25 lakh for a 35 year old person (non-smoker) costs around Rs.25,000-30,000/annum. Many people find it difficult to pay the entire amount in a single instance. Therefore, allowing EMI option will bring down the burden on the policyholder by a great extent.

      12 July 2018

    • ICRI to have more skilled workers in non-medical ranks

      The National Health Protection Scheme (NHPS) proposed in the Union Budget 2018-19 expects to extend health insurance coverage to 500 million individuals in the country. This proposal has made it necessary to provide secondary and tertiary health care to a large part of the population of India. The Institute of Clinical Research India (ICRI) has hence, decided to provide advanced courses in non-medical staffing and clinical research to streamline the process.

      The chairman of the institute mentioned that Modicare has the potential to improve the standards of healthcare services in the country. The demand for qualified non-medical and medical professionals will increase following the implementation of the health insurance programme. Hence, the specialised and unconventional courses that the institute offers will be useful in building a career in the healthcare domain. He also said that the clinical research and clinical data management courses would be suited to the demands of the future.

      11 July 2018

    • Insurance Protection and Coverage in India Stands at 34%

      The national health profile gives a clear indication that approximately 34% Indians have invested in comprehensive health insurance policies, rest remain uninsured and unsafe. This figure highlights the growing importance of timely reimbursements by insurers and provision of improved and enhanced medical covers.

      Out of the total 4.40 lakh people covered under health insurance policies in India, around 79% have purchased their health covers from public insurers, rest having purchased from private entities. Healthcare costs have skyrocketed at a tremendous rate, and hence in the midst of such testing times, obtaining a health cover that offers maximum protection has become utterly important.

      Treatment and operation costs have doubled themselves from an amount of Rs.621 per capita public expenditure in 2009 to Rs 1,112 in 2015-16. This is a serious concern that highlights the need of the hour - obtaining health insurance policies. People falling in the lower strata of income need low cost medical covers, and hence the launch of Government’s Ayushman Bharat Mission has come as a huge relief to most of the population of India.

      10 July 2018

    • Enhanced health coverage announced by Odisha CM Naveen Patnaik

      While the denial of Odisha government to accept the Central government proposed health insurance scheme Ayushman Bharat by launching the Biju Swasthya Kalyana Yojana has kicked up political controversies, Naveen Patnaik, the CM of Odisha, has recently declared an enhanced coverage for women under this scheme. He has announced this increase in the coverage of health insurance for women after getting a request from a tribal woman Mamata Padiami, belonging to Kalimela block of Malkangiri district which is infested by the Maoists. She made the proposal while video conferencing with the Chief Minister under the newly launched 'Ama Gaon, Sama Bikash' programme. Coincidentally, the announcement came out one day after India was tagged as the unsafest country for women with extremely high risk of sexual violence.

      This new health insurance scheme will cover around 3.5 crore people from over 70 lakh families in Odisha. Under this programme, a family would receive a coverage of up to Rs.5 lakh per year to pay for their healthcare costs at all government hospitals. In fact, Odisha is the first state to announce an extended health insurance coverage for women so far in India.

      9 July 2018

    Get Latest News on Health Insurance

    Customer Reviews

    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with Star health from last 15 years and it is a good policy. It is a family policy with the coverage value of Rs 7 lakhs for this insurance. I have no claim experience so far from this insurance and i pay a premium of Rs 4000 for this insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 18, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've an employer provided health insurance policy with the ICICI Lombard. The company is paying the premium. It offers of a coverage of 2 lacs for me annually. I do not have any claim experience with the policy. So far there hasn't been any issues with the policy. I'll have to wait and see how they respond to my claims in future if I'll have any.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 17, 2018
    • HDFC Ergo Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have choose this Hdfc 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 quiet high , I make the payment through on line.
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Jul 17, 2018
    • ICICI Lombard Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I took health insurance from Icici health insurance . I have choose this insurance mainly because of convincing premium with too many benefits . This policy covers Cashless hospitalization. , pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 17, 2018
    • Star Health Health Insurance
      "Best service"
      0.5 5.0/5 "Blown Away!"
      I took health insurance from Star health insurance . I have choose this insurance mainly because of convincing premium with too many benefits . This policy covers Cashless hospitalization , pre diseases coverage . Overall am satisfied with customer care and service. Am getting income tax benefits
      Was this review helpful? 0
      , vadodara
      Reviewed on Jul 17, 2018
    • review Health Insurance
      "Not satisfied"
      0.5 1.0/5 "Really Bad"
      I took health insurance from Iffco tokio health insurance . I have choose this insurance mainly because of convincing premium amount . I have closed this insurance as they told it cover pre disease coverage . During claim process , there is no proper response from the customer service and response .
      Was this review helpful? 0
      , vadodara
      Reviewed on Jul 17, 2018
    • New India Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy which is provided by the employer in partnership with the New India Insurance . The company is paying the premium, so far there hasn't been any claim experience with the policy. It offers 10 lacs hospitalization coverage and a whopping 1 Crore accidental benefits. Considering the features and benefits it is recommendable health insurance policy to have.
      Was this review helpful? 1
      , mumbai
      Reviewed on Jul 16, 2018
    • Bajaj Allianz Health Insurance
      "Useful Service"
      0.5 4.0/5 "Great!"
      I've an employer provided insurance policy with the Bajaj Allainz. The company is paying the premium, I do have a claim experience with the policy where I claimed 100% amount needed for the treatment. It was a cashless treatment and the whole process was smooth and hassle free.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 16, 2018
    • National Insurance Health Insurance
      "Good Service so far"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the National Insurance. It offers an annual Coverage of 3 lacs, the policy covers me and my parents and I do not have any claim experience with the policy so far. I never had any issues with their services.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Jul 14, 2018
    • ICICI Lombard Health Insurance
      "Good Service"
      0.5 4.0/5 "Great!"
      I've a health insurance policy with the ICICI Lombard. It took almost one month to receive the policy document soft copy. I am paying a premium of 650 per month. They're yet to send me the hard copy. Overall it hasn't been a good experience with the policy so far.
      Was this review helpful? 0
      , delhi
      Reviewed on Jul 14, 2018
    • Reliance General Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've been using the Health Insurance policy from the Reliance General Insurance. The company is paying the premium. The policy covers me and my parents. The policy offers an annual coverage of 5 lacs for me and 2 lacs for my parents. So fat I do not have any claim experience with the policy.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 14, 2018
    • HDFC Ergo Health Insurance
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I've an employer provided health insurance policy with the HDFC Ergo. It offers an annual coverage 5 lacs, the company is paying the premium. I do have any claim experience with the policy. I have claimed this policy two times for me and wife both they approved. The claim processing was really easy and they settled almost 30000.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 14, 2018
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