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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
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    Overview of Plans from Medical Insurance Companies:

    Insurance provider
    Pre and post hospitalization expenses cover
    Pre-existing disease cover
    Network hospitals
    Incurred Claim Ratio*

    Key factors to consider before buying Health Insurance


    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

    Your current age

    Lower premium for younger buyers.

    Members included

    The premium depends on the number of insured members.

    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!

    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

    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.

    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.

    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.

    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


    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

    • PMJAY health insurance scheme benefits 1 lakh people in one month of launch

      The Pradhan Mantri Jan Arogya Yojana (PMJAY), also known as Ayushman Bharat, has benefited 1 lakh people within one month of its launch. Said to be the largest health insurance scheme in the world, PMJAY was launched on 23 September in Jharkhand by the Prime Minister, Narendra Modi. The scheme aims to cover 55 crore people, with an annual health coverage of Rs.5 lakh. This will be provided for hospitalization in Empanelled Health Care Providers (EHCP) for both secondary and tertiary hospitalizations. The scheme does not place a limit on the family age or size. Within 2 weeks of the launch, 38,000 people had benefited from the scheme, as announced by the CEO of the National Health Agency, Indu Bhushan. So far, 32 states as well as union territories have signed up with MoUs for the scheme. More than 9000 hospitals have been empaneled as well. The scheme aims to reduce hospital expenditure and help the economically downtrodden to avoid financial disasters that could arise from expensive or serious health conditions.

      10 November 2018

    • Tamilnadu signed MOU for merging its health insurance scheme with Ayushman Bhara

      Tamilnadu Government has signed an MOU (Memorandum of understanding) to merge the Chief Minister’s Comprehensive Health Insurance Scheme (CMCHIS) of Tamil Nadu which was introduced in 2009 by previous Chief Minister M Karunanidhi with Ayushman Bharat scheme. As Tamilnadu has an expansive health insurance scheme which is covering 1.57 crore families and provides up to Rs.5 lakh per year, it is in the similar line with the PMJAY scheme and this is the reason why the government has planned to combine the scheme with PMJAY. As a matter of fact, the state insurance scheme of Tamilnadu covers 157 diagnostic procedures, around 1,027 diseases, and 8 high-end complicated surgeries.

      9 November 2018

    • Disagreement over unspent health insurance scheme fund set for resolution

      The disagreement between National Insurance Company (NIC) and Mahatma Jyotiba Phule Jan Arogya Yojana Society (MJPJAY) over unspent state health insurance scheme fund is going to end soon. After a long duration of 3 months, the NIC has agreed to refund Rs.80 crore to the state government to resolve this dispute. In turn, the government has assured the NIC to pay the pending premium equalling to Rs.376 crore. The NIC has decided to refund the unused Information, Education and Communication (IEC) fund in installments through the third and fourth quarters of 2018 by subtracting the amount from the premium amount that the state government has to pay the NIC.

      8 November 2018

    • 10 Lakh Jobs to Be Created in Health and Insurance by Modicare Scheme

      According to the statement by CEO of Pradhan Mantri Jan Arogya Yojana (PMJAY), Indu Bhushan at an event organised by Assocham, the healthcare scheme introduced by Prime Minister Narendra Modi named Modicare is likely to create 10 lakh employment opportunities in the health and insurance sector. Bhushan has also stated that this scheme targets to improve the quality of healthcare in public services along with the private sector while addressing the issue regarding the very high level of expenditure on health in India as compared to other emerging economies. Bhushan has further added that 6 crore people in India go into poverty because of out-of-pocket expenditure on health. As a result, poor people tend to avoid availing health care services including hospitalisation. The total out-of-pocket expenditure in India amounts to 2/3 of the total health expenditure in the country. As per the PMJAY, also known as Modicare, will provide annual insurance coverage of Rs.5 lakh to more than 10.7 crore poor households. 60% of the total funding of this scheme will be received from the central government, while the remaining amount will be received from the state governments in India.

      7 November 2018

    • Universal Healthcare to be Extended to 43 Lakh Families by Punjab Government

      A Memorandum of Understanding (MoU) was recently signed by the Punjab Government and the deal was made with the Centre to successfully implement the Pradhan Mantri Jan Arogya Yojana (PMJAY) in the State of Punjab which will in turn extend the central government scheme to provide coverage to more than 43 lakh families instead of the proposed number of 14.96 lakh.

      Chief Minister of Punjab, Amarinder Singh said that the move made by the Punjab Government is evidently revolutionary and it will most likely change the way in which healthcare is perceived in a country like India. He further added that through this move more and more families (especially the poor and underprivileged ones) will be able to have access to decent medical treatment and healthcare in India.

      Health insurance in India has become a complex yet easy to understand concept wherein people are finally gaining awareness about its importance and value. At a time when lifestyle diseases are at an all time surge and people are falling prey to more and more critical illnesses, a comprehensive health insurance policy acts as a vital resource for one’s family and loved ones.

      6 November 2018

    • Ayushman Bharat Expected to Create 10 Lakh New Jobs

      It’s a huge news for people working in the sectors of insurance and health. Prime Minister, Narendra Modi’s ambitious and hugely anticipated national-level health insurance scheme, Ayushman Bharat is expected to create at least 10 lakh new jobs in the sector.

      The CEO of the health insurance scheme, Indu Bhushan recently said that the project, fondly known as Modicare, will most certainly enhance the overall quality of public healthcare in India. He added that private services may also be improved under the national health insurance scheme.

      Having said that, it is a noteworthy observation that India still spends huge amounts of money towards healthcare and the expenditure is only increasing in comparison with other nations.

      5 November 2018

    • Low Priced ‘Second Brands’ Might be Incorporated in Ayushman Bharat Health Scheme

      Government of India’s flagship health insurance scheme, Ayushman Bharat - National Health Protection Mission will soon witness a surge in the number of medical brands for their scheme. This has come as a huge relief to most of the beneficiaries of the scheme as they will now have access to second brands medication from brands such as Pfizer, GlaxoSmithKline Pharma and Abbott.

      The above-mentioned brands have recently laid down a proposal wherein they will launch second brand or first copy of their products to be incorporated in Ayushman Bharat. The US India Business Council has recently asked the Government to modify the ‘policy provisions’ so they are able to allow the launch of second brands for introduction into the state-run health insurance scheme. The USIBC has asked the Government for the modification and has also urged them to have a safeguard policy mechanism in place so that the supplies (mentioned above) are tax exempted and price referencing.

      The above-mentioned suggestion is in reality a part of a list of other measures that have been proposed by the USIBC some of which include the establishment of screening camps for patient identification and helping the Indian Government in national health stack - an ambitious strategy of the Indian Government to store health records in a digital space by the year 2022. Council’s high-level delegation recently met with some of the officials in the National Health Agency (NHA) which is in turn responsible for the implementation of Ayushman Bharat.

      The two parties met earlier this month to discuss the aforementioned suggestions.

      3 November 2018

    • Ayushman Bharat Merges With Swasthya Sathi Scheme in West Bengal

      In the state of West Bengal, Ayushman Bharat - the flagship health insurance scheme introduced by Narendra Modi, Prime Minister of India - has been merged with the Swasthya Sathi scheme - a medical insurance scheme launched by the state government under the leadership of Mamata Banerjee. According to the people who are familiar with this turn of events, there will only be one medical insurance scheme in the state under the name of Swasthya Sathi. Under the merged scheme, the Central and State Governments will share the cost for common beneficiaries of Ayushman Bharat and Swasthya Sathi in West Bengal in a 3:2 ratio. Introduced in February 2016, the Swasthya Sathi scheme provides health protection to informal contractual workers who are working in government departments and people from the deprivation index. In addition to the parents and spouse of the insured, this plan also offers health coverage to the extended family members of the beneficiary.

      After the merger of Following the merger of the Ayushman Bharat and Swasthya Sathi schemes, beneficiaries will now be able to get a maximum coverage of Rs.5 lakh - the maximum coverage under Ayushman Bharat - as opposed to the previous Rs.1.5 lakh. While 47 lakh beneficiaries from the state had enrolled under the Swasthya Sathi scheme, approximately 1.50 crore families of West Bengal had applied for the Ayushman Bharat scheme. Post the merger, Swasthya Sathi scheme currently provides coverage to about 6 crore individuals. Earlier, the West Bengal Government had declined to participate in the Ayushman Bharat scheme since the state already had its own health protection scheme. However, the state government decided to sign an agreement with the Centre in July to implement the scheme.

      2 November 2018

    • IRDAI panel examines proposal to settle health and accident policy claims in instalments

      The Insurance Regulatory and Development Authority of India (IRDAI) will examine the proposal by health insurers to be able to settle health and accident policy claims in instalments instead of lump sum payments. This will enable the beneficiaries or claimants to get payments through pre-determined instalments. A working group has been constituted by the IRDAI to look into this further. The working group’s chairman will be Suresh Mathur (ED - Health). The member convenor will be Md Ayaz. Other members of the working group will be Apollo Munich Health Insurance’s CEO and MD, Antony Jacob, New India Assurance Co. Ltd.’s General Manager, R M Singh, HDFC Ergo General Insurance Co. Ltd.’s Chief Financial Officer, Sameer Shah, et al. The working group will discuss operational procedures that protect the interests of beneficiaries or policyholders as well as the need for instalments in such claims. The report is expected to be submitted in 8 weeks.

      1 November 2018

    • IRDAI Considers Settling Claims in Installments

      The Insurance Regulatory and Development Authority of India (IRDAI) is looking into a proposal that would permit insurance companies to make benefit-based payments for claims made on health insurance and personal accident insurance policies.

      Insurance providers have stated that this method of settlement will provide the beneficiaries to the policy payments in predetermined instalments. However, the same will not be applicable in cases where the policyholder is reimbursed for medical expenditure.

      The IRDAI has assembled an 8-member group to look into the proposal and the need to permit benefit-based insurance claims in instalments.

      31 October 2018

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    Customer Reviews

    • ICICI Lombard Health Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken Health insurance from Icici Lombard insurance for my parents . Am satisfied with the premium amount which is quiet good. I make the payment yearly, but it has the benefits of cashless hospitalization and pre disease coverage . Am satisfied with their service and response.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 10, 2018
    • Cigna TTK Health Insurance
      "Good policy"
      0.5 4.0/5 "Great!"
      I got health insurance from Cigna TTK insurance through my company , The premium amount is been paid through my company . This policy covers Cashless hospitalization. Pre diseases coverage . Overall am satisfied with policy coverage and policy benefits .
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 10, 2018
    • Religare Health Insurance
      "Good protection for health"
      0.5 4.0/5 "Great!"
      Major factor to avail Religare health is because of the premium amount is low and few more options are good with them. But there is a waiting period for pre existing disease benefits however I got the medical card on time with the coverage value of Rs.5 lakhs.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 10, 2018
    • Reliance General Health Insurance
      "Good for health and family"
      0.5 5.0/5 "Blown Away!"
      RBL bank have suggested Religare health medical policy, then I availed health policy from them. I selected the medical cover of Rs. 5 lakhs with accidental cover of Rs. 5 lakhs. Every year I used to pay Rs. 2500 as premium for my health policy.
      Was this review helpful? 0
      , kanpur
      Reviewed on Nov 05, 2018
    • National Insurance Health Insurance
      0.5 5.0/5 "Blown Away!"
      I have a health insurance in National Insurance for me and my family. The policy covers minor disease and critical illness. The customer service is excellent. Am paying yearly 16K as a premium. Last year have applied for claim, the refund was 100% excluding food. The policy coverage is 10L, I have taken in the year of 2005 or 2006. Am getting good benefits on this policy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 03, 2018
    • Tata AIG Health Insurance
      "Good for Health"
      0.5 4.0/5 "Great!"
      MY friend have referred Health insurance with TATA AIG, because of the good coverage they give complete family protection. I got the mediclaim amount of Rs. 3 lakhs, they have pre existing cove , I can use after a year. I am satisfied with the policy benefits.
      Was this review helpful? 0
      , bhubaneshwar
      Reviewed on Nov 02, 2018
    • National Insurance Health Insurance
      "Good for Health"
      0.5 4.5/5 "Excellent!"
      I got National insurance health policy, I have the total cover for Rs. 5 lakhs its for entire family. They provide cash less hospital and pre existing disease cover, I am satisfied with the benefits of the policy. But I have not use this policy.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 02, 2018
    • HDFC Ergo Health Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken health insurance form Hdfc ergo .Am satisfied with the premium amount which am making the payment yearly . Their customer representative explained the benefits and features of the policy . They have given the list of network hospitals and health card also. This policy covers cashless hospitalization and pre disease coverage . I make the payment through net banking .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 02, 2018
    • United India Health Insurance
      "Best Policy"
      0.5 5.0/5 "Blown Away!"
      I have taken health insurance from UNITED INSURANCE . 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
      , ahmedabad
      Reviewed on Nov 01, 2018
    • Religare Health Insurance
      "Good Policy"
      0.5 4.0/5 "Great!"
      I hold a health insurance policy with Religare from last 1 year, i am not aware of the premium amount for this insurance. I have not claimed anything so far from this insurance policy. I have a coverage value of Rs 3 lacs for this insurance.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 01, 2018
    • ICICI Lombard Health Insurance
      "Need scope of improvement on claim process"
      0.5 4.0/5 "Great!"
      My I-protect family health plan is good, overall cover is for 15 lakhs for my entire family. They giving pre existing and cash less hospitalization cover. The service is also great but I heard they are not good in claim, they have some length process, they need some scope of improvement.
      Was this review helpful? 0
      , delhi
      Reviewed on Nov 01, 2018
    • Apollo Munich Health Insurance
      "Very Good services"
      0.5 5.0/5 "Blown Away!"
      I have been renewing the health insurance policy with Apollo Munich for last 5 years. I pay the premium amount of Rs. 11000 and my entire family has been covered in this policy. They are providing the coverage value of Rs. 3 lakhs. When i met an accident, they have given me a claim amount of Rs. 1.45 lakhs. I have availed the cashless treatment for claim. Very Good hospitals are covered in this policy
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 01, 2018
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