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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 5176 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

    • J&K Government Ask Pensioners to Pay Premium of Rs.2,200 for Health Insurance Cover

      The Jammu and Kashmir Pensioners Welfare Association have appealed to the Governer’s Advisor to reconsider the newly introduced medical insurance scheme for pensioners. A spokesperson for the association has stated that the annual premium of Rs.2,200 for pensioners and the Rs.8,000 premium for serving employees is a burden to them.

      The official further elaborated that the scheme does not list the hospitals nor the diseases covered under the scheme. Counters at the district have not been notified of the scheme and this has made it difficult for employees and pensioners to manually complete all the formalities involved.

      The Advisor has been urged to consider enhancing the medical allowance and lowering the premium amount to be paid.

      23 October 2018

    • Beneficiaries to the Ayushman Bharat Scheme Crosses 35,000

      Since the launch of the Pradhan Mantri Jan Arogya Yojana (PMJAY), it has been reported that over 35,000 individuals have availed the services of the scheme.

      Approximately 70,000 people across the country have been given Gold cards which can help them avail services in government and private hospitals that have been empanelled with the scheme. The Gold card is proof that biometric verification of the individual and their family has been completed.

      The scheme that was launched in Jharkhand on September 23 provides coverage of Rs.5 lakh each family on an annual basis. The scheme provides cashless and paperless access to medical services to the beneficiaries of the scheme.

      22 October 2018

    • Ayushman Bharat benefits 23,000 patients in first 10 days

      The Central Government’s Ayushman Bharat healthcare scheme has settled claims to the tune of Rs.38.1 crore for 23,000 patients for a total of 23,287 claims. This was within 10 days of the launch of the program, also called Pradhan Mantri Jan Arogya Yojana (PMJAY). The average claim per patient amounted to Rs.19,357. The claims were settled for both public and private hospitals. Beneficiary letters, approximately 1.7 crore, with family cards were dispatched across India from the Prime Minister’s Office. Currently, 32,814 hospitals have signed up to be empaneled under the scheme. Of these, the empanelment of 18,365 hospitals have been either completed or is underway. So far, 31 states and union territories have signed up for the program. The Ayushman Bharat program benefits economically backward sections of society with insurance coverage of up to Rs.5 lakh which covers diagnostics, pre- and post-hospitalization, medication, transportation expenses, etc. The program aims to cover 50 crore beneficiaries.

      21 October 2018

    • 154 Patients Enrol for the PMJAY Scheme in Maharastra

      Shortly after the launch of the Pradhan Mantri Jan Arogya Yojana (PMJAY) in Maharastra, the current state record shows over 154 beneficiaries already registered with the scheme. The PMJAY in Maharastra has empanelled with 79 government hospitals across the state.   

      The PMJAY in Maharashtra, commonly referred to as the Ayushman Bharat scheme, will run parallelly with the state’s health insurance scheme: the Mahatma Jyotiba Phule Jan Arogya Yojana (MJPJAY). This is similar to the move made by the government in Rajasthan and Gujarat. Private hospitals are expected to be added to the scheme by the end of the year.

      19 October 2018

    • 1.20 crore people to be given free health insurance cover in Karnataka

      The Karnataka Government has announced free health insurance coverage for approximately 1.20 crore people residing in the state. This was announced by the Minister for Health and Family Welfare, Shivanand Patil. This would be implemented by paying a premium of Rs.9,000 crore. He also stated that 450 brand new ambulances would be added to the state health service. The shortage of doctors was also addressed with 450 physicians newly posted at the Community Health Centers (CHC) and Primary Health Centers (PHC) across the state. Fresh appointments for midwives and assistant nurses were also cleared by the government. There would also inaugurations for new CHCs and PHCs next month. The Minister also stated that the Ayush Medicine Manufacturing Unit would remain in Belagavi and not be moved to Bengaluru.

      18 October 2018

    • Central Health Insurance scheme’s registrations in Panchkula moving at a snail’s pace

      The Central Government’s flagship health insurance scheme, the Ayushman Bharat Health Insurance Scheme (ABHIS), has so far received only 250 registrations from Panchkula. Aimed at the economically weaker demographic, 26,000 people were identified as eligible beneficiaries under a socio-economic survey conducted in 2011. So far, 6 hospitals have been empaneled to provide treatments for the beneficiaries and another 5-6 hospitals have registered for the same. The state of Haryana has 180 hospitals registered under the scheme. Beneficiaries are to be provided with gold cards by the Health Department. This process was initiated a few days ago but would take 7-8 months to be completed. The state government has roped in Accredited Social Health Activists (ASHA), Auxiliary Nurse Midwives (ANMs), village secretaries, and sarpanches to spread awareness about the scheme.

      17 October 2018

    • AIIMS signs MoU to implement Pradhan Mantri Jan Arogya Yojana

      The All India Institute of Medical Sciences (AIIMS) and the National Health Agency (NHA) has entered into a Memorandum of Understanding (MoU) to implement Prime Minister Narendra Modi’s health insurance scheme, called the Pradhan Mantri Jan Arogya Yojana (PMJAY). Beneficiaries of the scheme will be provided with therapeutic and diagnostic facilities if they are admitted under approved packages and according to the scheme’s provisions. The scheme aims to provide 10 crore families with Rs.5 lakh worth of cashless health cover annually. The NHA has identified 98% of the beneficiaries. These beneficiaries are being informed about the details of the scheme.

      16 October 2018

    • Tamil Nadu to Merge the Ayushman Bharat Scheme with the CMs Health Insurance Scheme

      The Tamil Nadu government has stated that it plans to merge the Prime Minister’s Ayushman Bharat Scheme with the Chief Minister’s Comprehensive Health Insurance Scheme. The merging of both insurance plans will provide a Rs.5 lakh cover p.a. for the entire population of 1.47 crore.

      The Tamil Nadu government’s health insurance program covers approximately 1,027 medical procedures in addition to 157 specialised procedures and 8 transplant procedures. Umamaheshwari, head of the Tamil Nadu health systems project, has stated that integration of the Ayushman Bharat scheme with the state’s health insurance scheme is not going to be too difficult. The Cheif Minister’s Comprehensive Health Insurance Scheme already has a detailed programme that is mapped based on the institution and the district.

      15 October 2018

    • Jharkhand Government Plans to Bring All Citizens Under Ayushman Bharat

      After its launch in Ranchi last month, the government of Jharkhand has plans to cover the entire population of the state under the Prime Minister’s Ayushman Bharat scheme. If the plan is implemented, Jharkhand will become the first state in the country to provide a health insurance cover to all its residents.

      The central government selected 25 lakh families from the state based on data from the 2011 socio-economic caste census (SECC). The Jharkhand government plans to cover 57 lakh families who are enrolled under the National Food and Security Act and are yet to decide on enrolling the remaining 11 lakh families who are not enrolled under the Act.

      13 October 2018

    • Ayushman Bharat Might Get Executed in Jammu & Kashmir by Bajaj Allianz General

      Private general insurance company, Bajaj Allianz General is all set to launch Central Government’s most expansive health insurance scheme - Ayushman Bharat in the State of Jammu & Kashmir. Jammu & Kashmir will be experiencing the implementation of a mass health scheme for the first time ever.

      PMJAY was launched this year in the month of September and Bajaj Allianz is the first ever insurance company to win a mandate for the same.

      With respect to that, Bajaj Allianz is expected to extend coverage to all 22 districts of the State of Jammu and Kashmir and more than 6 lakh families, or more than 30% of the entire population of the state.

      12 October 2018

    • PMJAY Health Insurance Scheme Approved by Punjab Cabinet

      The Pradhan Mantri Jan Arogya Yojana (PMJAY) health insurance scheme was recently instituted in the state of Punjab as the Cabinet approved its implementation and subsequent extension to provide coverage to more than 42 lakh families.

      According to the proposal earlier, the scheme was supposed to cover 14.96 lakh SECC families, however, this would have in turn put immense pressure of an amount of Rs.300 crore on the state exchequer.

      Further, policies surrounding sports have also been strengthened in the state of Punjab. Sports Policy-2018 was recently approved by the State Cabinet.

      11 October 2018

    Get Latest News on Health Insurance

    Customer Reviews

    • Apollo Munich Health Insurance
      "Best policy"
      0.5 4.0/5 "Great!"
      My health is insured with Apollo Munich from last 1 year and it is a best policy to use. There was no claim experience so far with this insurance policy. A premium of Rs 16000 has to be paid for this insurance and the coverage value is Rs 10 lakhs...
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      , hyderabad
      Reviewed on Oct 19, 2018
    • United India Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with United India Insurance from last 13 years, a premium of Rs 8750 has to be paid for this insurance policy. My claim experience was very good and they covered 100%. The coverage value of this insurance is up to Rs 5 lacs.
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      , hyderabad
      Reviewed on Oct 19, 2018
    • Star Health Health Insurance
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      I am using the health insurance policy with the STAR HEALTH & ALLIED INSURANCE i am holding it from last 2 years but i have not used this policy i have no experience with this policy. This gives the coverage for self also for disease and the illness covers.
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      , mumbai
      Reviewed on Oct 16, 2018
    • Star Health Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have a health insurance poilcy with STAR HEALTH i am not that much satisfied with there service because they don't provide me information which ever i need from them and even support team is not that much good they don't response me properly.
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      , bangalore
      Reviewed on Oct 16, 2018
    • Star Health Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a health insurance policy with STAR HEALTH for long time, i am very happy with the coverage value of the insurance policy, even i have taken the benefit with them like as my wife met with the accident she was admitted in hospital all the medical bills was taken from star health from admit to discharge they only carried all medical bills as i have claim it.i pay premium of 11000 with gst included.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 15, 2018
    • Apollo Munich Health Insurance
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken my health insurance from apollo munich . it had been just 2-3 months only i have been applied this insurance. i am satisfied with the premium which they charge me . they mail me all benefits and use to update me on mail.even customer support team is very good.
      Was this review helpful? 0
      , kolkata
      Reviewed on Oct 15, 2018
    • Bajaj Allianz Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I took health insurance from Bajaj Allianz Am satisfied with the premium amount which am making the payment , i don't have claim experience . But this policy hold benefits of cashless hospitalization and network of hospital with coverage of Rs 3 lakhs Their customer explained the policy very well.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 15, 2018
    • HDFC Ergo Health Insurance
      "Best policy"
      0.5 4.5/5 "Excellent!"
      I have a health insurance with HDFC ERGO from last 5 years, i am not aware of the premium amount as my company pays it. My claim experience was very good and it was a cashless treatment. The coverage value of this insurance is Rs 2 lacs.
      Was this review helpful? 0
      , kochi
      Reviewed on Oct 11, 2018
    • Star Health Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I have a health insurance policy with STAR health from last 2 years, i am happy with the coverage value of this insurance policy. I pay a premium of Rs 18000 for this insurance and it covers up to Rs 5 lacs. I have no claim experience so far with this insurance.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 11, 2018
    • United India Health Insurance
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have a medlife insurance policy with United India insurance for long time and they charge me nominal premium i paid premium through on line like from debit card or from credit card they provide me good benefits and even they cover all the policy.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 11, 2018
    • Universal Sompo Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      Got my health insurance from UNIVERSAL SOMPO GENERAL INSURANCE. It has the best plan with cashless treatment and pre disease coverage . It has medical coverage of one year of 2 laks . It has good premium amount with best policy coverage . I annually pay the payment through on-line banking .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 11, 2018
    • Star Health Health Insurance
      "Best policy"
      0.5 5.0/5 "Blown Away!"
      My health is insured with STAR health from last 1 year, a premium of Rs 11500 has to be paid for this insurance policy every year. Lots of hospitals are listed in this insurance. There is a cashless treatment facility in this insurance. The coverage value is Rs 5 lacs and i have no claim experience so far.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Oct 11, 2018
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