Overview

Health Insurance is a type of insurance that offers coverage to the policy holder for medical expenses in case of a health emergency. A health insurance plan chosen by the insured provides coverage for different expenses including surgical expenses, day-care expenses, and critical illness expenses etc.

About the Health Insurance Policy

A health insurance policy is a contract between the insurer and policyholder in which insurance company provides financial coverage for medical expenses incurred by the insured. A health policy provides benefit of reimbursement of medical expenses or cashless treatment mentioned in the health policy.

Importance of Health Insurance Plans

Health emergencies do not come with a prior notice. With sedentary lifestyles more and more people are becoming prone to lifestyle diseases in India. And with the increased demand for quality healthcare services, medical treatment has now become quite expensive, especially in the private hospitals. And without insurance the hospital bills are enough to drain one’s savings.

Therefore, a health insurance plan becomes an absolute necessity as it offers coverage to the insured family members and the policyholder against the exorbitant hospitalization expenses in case an accident or illness.

Apart from the medical coverage, health Insurance plans also offer tax benefits on premium under section 80D of the Income Tax Act, 1961

We at Servzone.in can help you buy a right health insurance plan that suits your requirement below is the list of health insurance plans with the top Insurers. You can do the comparison and find the best health plan for your family.

Top Health Insurance Plans in India

Insurance Companies	Health Insurance Plans	Sum Insured (Rs.)	Incurred Claim Ratio	Network Hospitals
Aditya Birla Health Insurance	Active Assure Diamond Plan	Min – 2 Lakh Max – 2 Crore	59%	6000+
Bajaj Allianz Health Insurance	Health Guard Plan	Min – 1.5 Lakh Max – 50 Lakh	85%	6500+
Bharti AXA Health Insurance	Smart Health Assure Plan	Min – 3 Lakh Max – 5 Lakh	89%	4300+
Care Health Insurance (Formerly known as Religare Health Insurance)	Care Health Care Plan	Min – 4 Lakh Max – 6 Crore	55%	7400+
Chola MS Health Insurance	Chola Healthline Plan	Min – 2 Lakh Max – 25 Lakh	35%	6500+
Digit Health Insurance	Digit Health Insurance Plan	Min – 2 Lakh Max – 25 Lakh	11%	5900+
Edelweiss Health Insurance	Edelweiss Health Insurance Plan	Min – 5 Lakh Max – 1 Crore	115%	2578+
Future Generali Health Insurance	Future Generali Criticare Plan	Min – 5 Lakh Max – 50 Lakh	73%	5000+
HDFC ERGO General Health Insurance	my:health Suraksha Silver Smart Plan	Min – 3 Lakh Max – 50 Lakh	62%	10,000+
HDFC Ergo Health Insurance ( formerly known as Apollo Munich Health Insurance)	Health Optima Restore Plan	Min – 3 Lakh Max – 50 Lakh	63%	10,000+
IFFCO Tokio Health Insurance	Heath Protector Plus Plan	Min – 2 Lakh Max – 25 Lakh	102%	5000+
Kotak Mahindra Health Insurance	Kotak Health Premier Plan	-	47%	4800+
Liberty Health Insurance	Health Connect Supra Top-up Plan	Max – 1 Crore	82%	3000+
Max Bupa Health Insurance	Companion Individual Health Plan	Min – 3 Lakh Max – 1 Crore	54%	4115+
ManipalCigna Health Insurance	ProHealth Plan	Min – 2.5 Lakh Max - 1 Crore	62%	6500+
National Health Insurance	National Parivar Mediclaim Plus	Up to 50 Lakh	107.64%	6000+
New India Assurance Health Insurance	New India Assurance Senior Citizen Medi claim Policy	Min – 1 Lakh Max – 15 lakh	103.74%	3000+
Oriental Health Insurance	Individual Mediclaim Health Plan	Min – 1 Lakh Max – 10 Lakh	108.80%	4300+
Raheja QBE Health Insurance	Health QBE	Min- 1 LakhMax – 50 Lakh	33%	2000+
Royal Sundaram Health Insurance	Lifeline Supreme Plan	Min – 5 lakh Max – 50 Lakh	61%	5000+
Reliance Health Insurance	Critical Illness Insurance	Min – 5 Lakh Max – 10 Lakh	14%	4000+
Star Health Insurance	Family Health Optima Insurance Plan	Min – 1 LakhMax – 25 Lakh	63%	9800+
SBI Health Insurance	Arogya Premier Policy	Min – 10 Lakh Max – 30 Lakh	52%	6000+
Tata AIG Health Insurance	Tata AIG MediCare Plan	Min – 2 lakh Max – 10 Lakh	78%	3000+
United India Health Insurance	United India UNI Criticare Health Plan	Min – 1 Lakh Max – 10 Lakh	110.95%	7000+
Universal Sompo Health Insurance	Individual Health Plan	Max – 10 Lakh	92%	5000+

Types of Health Insurance Plans

To ensure that the health insurance plan meets your insurance needs, it is important to know the different types of health insurance plans, to decide the right policy.

Mentioned below are the different types of health insurance plans you can choose as per your insurance requirement:

• Individual Health Insurance Plans

Individual health insurance plans offer insurance protection with benefits such as cashless hospital sation, reimbursement, compensation for expenses incurred on pre and post hospitalization expenses, coverage for domiciliary treatment and many more. Individual health plans come with add-on covers as well to enhance the basic health insurance coverage, at a minimal premium.

• Family Health Insurance Plans

Family health insurance offers insurance coverage to entire family against a single premium. Under this health plan, a defined sum insured is divided among the policy members equally, which can be availed either by one or all members of a family for one or more claims during the tenure of the policy. With a family health plan, almost all the family members can be added under a single health insurance premium.

• Senior Citizen Health Insurance Plans

Senior Citizen health insurance plans offer insurance coverage to the age group between 60 and above. The health insurance plan covers hospitalization expenses including in-patient expenses, OPD expenses, Daycare procedures, pre, and post-hospitalisation expenses along with tax deduction benefit u/s 80 D.

• Critical Illness Insurance Plans

Critical illness health insurance plans offer a lump sum amount in case the insured is diagnosed with a critical illness such as kidney failure, paralysis, cancer, heart attack, etc. Usually brought as a standalone policy or as a rider, the sum insured is pre-defined, where the insured has to survive a particular survival period after being diagnosed to avail the policy benefits.

• Maternity Health Insurance Plans

The maternity health insurance plans offer coverage for maternity expenses incurred during both pre and post-natal care, child delivery (normal or cesarean). Some providers also include expenses incurred on vaccination of newborn babies in a maternity health insurance plan. The list of coverage also includes the transportation fee for ferrying the mom-to-be to the nearest network hospital of her choice.

• Personal Accident Insurance Cover

Personal Accident Insurance is a rider cover that offers insurance coverage in case of an accident leading to disability or death. The policy coverage includes hospitalization and bears the medical outlay in the event of an accident. A fixed monetary benefit is offered in case of an unfortunate event leading to loss of income.

• Group Health Insurance Plans

More than 80% of employers these days provide health coverage to their employees. The health insurance offered by an employer covers hospitalization expenses of the employee and his/her family including spouse, children or parents. It is a wise decision to opt for the mediclaim offered by your company as you need not pay any premium. This comes under a group health insurance policy and the premium is paid by the employer, based on the group size and the benefits offered.

Post COVID-19 outbreak, the IRDAI has also launched two Coronavirus specific health insurance plans i.e. Corona Kavach health plan and Corona Rakshak health insurance plan. Corona kavach is a family floater plan while Corona Rakshak is an individual coverage based plan. Both the polices cover COVID-19 hospitalization expenses, including the cost of consumable items like masks, gloves, PPE kits, oximeters, ventilators, etc. that make the major portion of the hospital bills. If someone has a health insurance policy then also any of these coronavirus health insurance policies can be purchased to ensure safety of your loved ones during the ongoing pandemic.

• Unit Linked Health Insurance Plans

Unit- Linked Health Insurance Plan (ULHP) is a type of health plan, which has been introduced recently. Unit Linked Health Insurance plans offer a unique combination of health insurance and investment. Apart from giving health protection, ULHPs also contribute to building a corpus that can be used to meet expenditures that are not covered by health insurance plans.

Among the ULHP health plans available in the Indian market, ICICI Pru's Health Saver, LIC's Health Protection Plus, Birla Sunlife's Saral Health, and India First’s Money Back Health Insurance Plan are a few big names.

Know before Buying a Health Insurance

You need a health insurance cover as a financial back up to be able to meet the rising cost of healthcare in India. Medical inflation in India has been 15% over the past few years, and a health insurance policy helps people to be able to pay for expensive medical treatments, hospital bills, in case of an illness or accidental injury.

Unfortunately, only 20% of the total population in India has health insurance coverage. Additionally, only 18 percent of the total population residing in urban areas and 14 percent of the total population residing in rural areas had any form of health insurance coverage. Let’s check why do you need to buy a health insurance plan in India:

• A health insurance policy can pay for hospital sation expenses, medication and laboratory test costs, ambulance, doctor fees, etc. Some health plans also cover OPD expenses up to a certain limit.
• It helps in minimizing your out-of-the-pocket expenses with a cashless medical treatment facility in the network hospitals
• Nowadays, amid the coronavirus outbreak, it is all the more important to have or buy a medical insurance cover that covers the cost of treatment including the cost of PPE kits, masks, ventilators, ICU charges, etc.
• Even those who are planning a family can buy a health insurance plan to get maternity and new-born baby cover
• You can buy Corona kavach and Corona Rakshak health plans if you do not have coronavirus health insurance plans cover and keep all your worries at bay
• The cost of major surgeries like liver transplantation, open-heart surgery, and day-care treatments like cataract surgery, varicose veins, and the likewise are also paid by the insurer if you have a medical insurance policy
• A health insurance policy helps you and your family enjoy their peace of mind without worrying about the future hospitalization or a medical emergency, which can otherwise drain a major portion of your savings
• If you cannot pay much premium and are confused which health insurance you should buy then you can opt for a standard policy i.e. Arogya Sanjeevani health insurance policy, it covers modern treatments and COVID-19 treatment as well

Key Benefits

Comprehensive health insurance plans come packed with features that can assist a person in managing expenses associated with medical emergencies and also with preventive health care check-ups.

Following are the key benefits of health insurance plans that one can consider:

• Cashless Medical Treatment

Every medical insurance company has tie-ups with various nursing homes and hospitals across the country called 'empanelled hospitals'. If you are admitted to one of these, you don’t need to pay anything. You only need to mention your policy number and everything else will be taken care of by the hospital and your insurer.

These types of health insurance plans are preferred because there is no stress of claim reimbursement and documentation. However, if your expenses go beyond the sub-limits specified by the insurance cover or marked as not covered by the provider, then you will have to settle it directly with the hospital. Another important thing to remember is that cashless mediclaim is not available if one gets hospitalized which is not a part of the hospital network of the insurance company.

• Coverage of Pre and Post-Hospitalization Expenses

This feature of a health insurance policy takes care of expenses incurred on both pre and post-hospitalisation. It takes into account the costs incurred during a certain number of days both prior to and post hospitalization as part of the claim, provided the expenditures are related to the covered disease/illness.



• Ambulance Fee

Once hospitalized the person is free from the burden of transportation fees as it is borne by the insurer.

• No Claim Bonus

NCB (or No Claim Bonus) is a bonus provided to the insured if no claim has been filed for any treatment in the previous policy year. The reward can be offered either as an increment in the sum assured or as a discount on the premium cost. You can avail this advantage on policy renewal.

• Medical Check-Up Facility

A medical plan entitles the insured to receive regular medical check-ups. A free check-up facility is provided by some insurers, or you can get it as an add-on benefit.

• Room Rent Sub-limits in Your Health Insurance Plan

A health insurance plan may have various sub-limits associated with it; room rent is one of those sub-limits. General Insurance Companies provide you with maximum coverage up to the sum assured. However, they can deliberately trim down their liability by introducing the sub-limit clause in the coverage for hospital room rent.Once the insured is hospitalized the sub-limit on room rent coverage is applicable on a per day basis. For instance, if your medical insurance policy covers your daily room rent up to a maximum of Rs. 3,000 and your room cost incurred is Rs. 5,000 per day, then you will have to pay the remaining Rs. 2,000 from your own pocket. Besides, room charges are directly associated with the type of hospital room you are availing, i.e. a single room or on a sharing basis. Everything else is calculated accordingly.If the total cost incurred on treatment at the hospital is Rs. 5,00,000, the table shown below illustrates the expenses that are expected to be borne by your insurer and you, respectively.

Policy Sum Assured (in Rs.)	5,00,000
Room Rent as per Sub-Limit (in Rs.)	3,000
Room Rent Per Day (in Rs.)	5000
Room Availed at the Hospital (in Days)	10

	Actual Hospital Bill (in Rs.)	Reimbursed Amount (in Rs.)	To be Borne by You (in Rs.)
Incurred Room Charges (in Rs.)	50,000	30,000	20,000
Doctor's Fee (in Rs.)	20,000	12,000	8,000
Medical Tests' Cost Incurred (in Rs.)	20,000	12,000	8,000
Operation/Surgery Cost (in Rs.)	2,00,000	1,20,000	80,000
Incurred Medicine Cost (in Rs.)	15,000	15,000	0
Total Expenses Incurred (in Rs.)	3,05,000	1,89,000	1,16,000

In this case, the total cost borne by you is Rs. 1,16,000 out of the total expenses incurred, i.e. Rs. 5,00,000. Thus, make sure you choose wisely if you want any such sub-limits in your medical insurance policy.

Co-Payment

Medical insurance plans offer a co-payment option that pre-defines the voluntary deductibles, which have to be borne by the insured. So, in the event of a medical exigency, some amount is paid by the insured and the rest, by the provider. According to this feature, you can lower the cost of your health insurance.

Co-payment is a cost-sharing requirement under a health policy, which states that the organization or the person will bear a certain share (in percentage) of the total admissible cost incurred. However, the co-payment option does not have any effect on the sum assured. It allows you to reduce your premium to a certain extent (subject to the insurer and insurance policy).

Tax Benefits of Health Insurance Plans

Health insurance plans entitle you to receive tax benefits under section 80D of the Income Tax Act, 1961. The premium you pay towards health insurance plans for yourself or your family members, get you a tax rebate, irrespective of whether they are dependent on you or not. The tax deduction offered, with respect to the premium, is subjected to the age of the insured and the maximum tax deduction limit that is available. You can save up to a maximum of Rs. 25, 000 in a financial year if you are below the age of 60 years. If your age is above 60 years, then this cap of maximum tax benefit increases to Rs. 50,000.If you are paying the medical insurance premium for your parents and for self, then you are eligible for tax exemption up to Rs. 55, 000 in a year under section 80D, provided your parents are senior citizens.

*Tax benefit is subject to changes in tax laws

Third Party Administrators

The TPA concept is the brainchild of the Insurance Regulatory and Development Authority of India (IRDA), to assist both the insured and the insurer. While it benefits the insurer by reducing their overheads or administrative costs, fake claims, and claim ratios, the insured, too, enjoys improved and fast insurance services.TPAs are important players in the health insurance sector. They have the capacity to handle all or a portion of the claims related to health insurance plans. They have tie-ups with health insurers or self-insuring companies to manage services such as premium collection, enrollment, claim settlement and other administrative services.

Often, hospitals and health insurers outsource medical insurance-related responsibilities to lower their burden.

Pre-Existing Disease Cover

After 2-4 years of policy inception, various policies begin considering pre-existing diseases, e.g. diabetes, hypertension, etc., for claims. Coverage for pre-existing diseases is offered for specific illness (es) that the insured had before purchasing the policy.

Preventive Healthcare

Undoubtedly, healthcare is very expensive and nobody wants to get hospitalized. So, now we have preventive health care check-ups that take care of you before you fall sick. Preventive care, such as regular health check-ups, concession in X-ray fees, consultation fees, etc., is offered under some health insurance plans. By offering various healthcare provisions, this type of plan benefit aims at keeping you healthy. Preventive care is medical care rendered not for a specific complaint but for prevention and early-detection of ailments.

Does Your Health Insurance Policy Cover Coronavirus (COVID-19) Treatment?

Yes, your existing health insurance policy covers the cost of COVID-19 treatment. India is one of the worst’s hit nations with cases constantly on a rise, which put the medical insurance policyholders are in a state of dilemma. The insured people are in a quest, will their standard health insurance policy cover coronavirus (COVID-19)?

During this pandemic all the insurers are likely to provide coronavirus cover to people who already have a health insurance policy. As it is a new illness and not a pre-existing condition, the coverage cannot be denied as per the IRDAI guidelines. It might not cover the cost of consumable items like PPE kits, oximeters, ventilators, masks, which are a crucial part of the treatment. However, you can check with your insurer for the same.

Those who do not have medical insurance cover or want to enhance the existing scope of coverage can consider buying specific COVID mediclaim policies. Several health insurers and general insurers have already launched that cover the expense of treatment of coronavirus.

After the IRDAI guidelines, two special standard health insurance products, namely Corona Kavach policy and Corona Rakshak policy were launched and are being purchased by a lot of people already. Lets’ check out how these two COVID insurance products and how they are different from basic health plans.

Corona Kavach Policy

It is an indemnity based health insurance product that covers coronavirus hospitalization (minimum 24 hours), home treatment, and AYUSH treatment cost up to Rs 5 Lakh. The cost of masks, gloves, ventilators, oxygen cylinders, PPE kits, is also recompensed.

Also, the benefits provided under Corona Kavach policy shall remain the same across all the insurance providers.

Eligibility	Specification
Entry Age	18-65 years
Coverage Type	Individual/Family Floater
Sum Insured ( Rs)	50,000-500,000
Discount on Premium	5% for health workers and doctors

Corona Rakshak Policy

Corona Rakshak policy is a benefit based product that provides lump sum payment for hospitalization (minimum 72 hours) upon diagnosis of Coronavirus during the policy term. The minimum policy term is 3.5 months and maximum is 9.5 months.

Eligibility	Specification
Entry Age	18-65 years
Coverage Type	Individual
Sum Insured ( Rs)	50,000-2,50,000
Discount on Premium	5% for health workers and doctors

Coronavirus Claim Settlement

Since, COVID-19 has been declared as a pandemic therefore, there has been a lot of confusion regarding claim settlement. The claim is settled just like it’s settled for other insurance plans. In this policy the insured needs to furnish the passport (if he/she has) to file a claim, as the insurer needs to check their travel history.

Now, let us understand the following situations wherein claims for the treatment of coronavirus can get rejected:

• In case, if an individual is affected with coronavirus and then intending to buy health insurance policy most likely it will not be covered under the newly bought health insurance policy.
• The policyholder will not get a claim filed if the treatment of coronavirus falls within the waiting period of the health insurance policy.
• If an individual is diagnosed with coronavirus within the waiting period of the health insurance policy it will not get covered.

Any claim will not be settled if an individual gets infected with coronavirus from any of the family members who recently travelled to COVID-19 affected countries where the travel has been restricted by the country.

Health Insurance Inclusions

The coverage offered by a health insurance policy is subject to the type of policy and the insurance provider. An ideal policy is customizable and suites your requirements in the best way possible.Following are some common health insurance plans inclusions:

• In-patient hospitalization expenses
• Donor expenses, in case of organ transplantation
• During injuries requiring overnight hospitalization
• Pre-existing illnesses or diseases
• Pre and post hospitalization
• Ambulance charges
• Maternity or newborn
• Health check-ups
• Daycare procedures
• Treatment availed at home or domiciliary hospitalization

Health Insurance Exclusions

Coverage offered by health insurance policies varies with the insurer; however, certain points are not covered by health policies and fall under the category of policy exclusions. Following are common health insurance plans exclusions:

• Unless an accidental emergency, no coverage or reimbursement offered with the waiting period of the policy, usually initial 30 days.
• Coverage of critical illnesses and pre-existing diseases is subject to a waiting period of 2 to 4 years
• Clear exclusion of expenses incurred for maternity/newborn unless a maternity rider has been added on
• Injuries caused by war/terrorism/ nuclear activity/suicide attempt
• Terminal illnesses, AIDS, and other diseases of similar nature
• Cosmetic/plastic surgery, replacement of hormones, sex change and more.
• Dental or eye surgery
• Non-allopathic treatment
• Bed rest/hospitalization and rehabilitation, common illnesses, etc.
• Treatment/diagnostic tests, post-care procedures
• Treatment abroad or by an under-qualified medical professional

Note: It is recommended to explore each plan to ensure maximum coverage

Factors to Consider Before Buying Health Insurance Plans

There are a few factors that you should consider closely to make the right decision:

• Caps and Sub-limits

  Caps and sub-limits are the thresholds set on various policy-covered expenses. If a health policy has impositions of co-payments, sub-limits, and other caps, this would mean that there will be a policy-stated coverage offered for various expenses. At times, the co-pay clause and caps help in reducing the premium of the plan. These, however, would alter the benefits in the long run. To make the most of your health insurance policy you must understand these factors before you pay for a health insurance plan.

• Claim settlement Record

  This is an important criterion to assess the credentials of an insurer. You should always go with a company with a good claim settlement record. Thus, you can ensure that your medical insurance claims would not be wrongly withheld. Always ask for the company’s claim settlement ratio before purchasing their health insurance plans and save yourself from unnecessary harassment in the future.

• Scope of Coverage

  Don’t buy a health insurance plan by just comparing health insurance premiums. Less cost does not necessarily mean a good medical insurance plan. On the contrary, such a health plan might not consider your coverage needs properly. Closely look at what the plan includes. Buying a comprehensive plan is a better option comes to your rescue when you need it the most.

• Renewability

  It is important to see how many years the plan proposes to protect you. Mediclaim policies are usually annual contracts. Once the policy term ends, in order to continue the insurance coverage, the insured has to pay the insurance premium. This recurring process is called health insurance renewal. The policy should be renewed continuously, because if there is a break, then, the person will lose the benefits of medical insurance.

• Cashless Hospital Network

  Check if a hospital around you is included by the medical insurance company you are considering to buy the plan from. You and your family won’t be required to run around collecting documents and filling reimbursements. The provider or its Third Party Administrator should have a tie-up with a range of network hospitals. The insured can get admitted to any of these nursing homes/network hospitals without paying anything from the pocket. However, cashless claim settlement is subjected to limits and sub-limits, which, in turn, are subjected to the sum assured of the medical insurance policy.

• Premium Loading

  Premium Loading refers to the increase in standard premium applicable when the medical insurance company perceives a person to be more at risk (of claiming the insurance) in comparison to others. It is strongly recommended that you check the terms and conditions pertaining to premium loading. This will save you from paying an extra premium after making a medical insurance claim. This aspect, though ignored in the beginning, usually becomes a bone of discontentment later.

• Internal Claim Settlement Team

  Check the health insurance plans from insurers that have a dedicated internal claim settlement team. This expedites the claim settlement process. Most of the medical insurance players use a third-party administrator to process the claims and do the paperwork. Even though most of these Administrators provide great services, the fact that they are a third-party slows down the process. There are certain rules and regulations to be followed when an administrator processes a medical insurance claim before it is handed over to the medical insurance company, which in-turn affects the turnaround time.

• Members Included

  Everyone has a different family size, so you should always look for the family size allowed under the medical insurance plan before purchasing it. If you are in your late 20s and your parents already have a health insurance cover, then purchasing insurance only for yourself does make sense. Alternatively, if you are married with or without kids and have dependent parents, parents-in-law, siblings, etc., then a family health insurance plan is best for you. Checking the premium cost, family size covered, critical illnesses or other benefits will ensure that you are able to purchase the plan you need.

• Health Insurance Portability

  It is wise to choose a health insurance company that offers health insurance portability. Earlier, policyholders had to stick to a policy just to retain the advantage. Now, you are allowed to switch from one insurance company to another without losing the waiting period advantages earned in your current policy. Moreover, with the insurance landscape changing so regularly, insurance providers regularly come up with better policies and it may make sense to opt for health insurance policy portability.

  Although health insurance portability is free, some companies may charge you a certain fee if you are to port out of their plans to those of some other players. Therefore, make sure you do not pay any charges for medical insurance portability. Health insurance portability is a good thing to check when you are finding the best health policy or mediclaim.

• Restore Benefit

  With the 'restore benefit' facility in your health care plan, you can restore your basic sum assured in case you have already spent the same or the multiplier advantage during your policy tenure. Mostly, the benefit cannot be obtained on the same ailment if you have exhausted the existing sum limit. Restoration assistance proves to be helpful for a family floater health plan, where if the entire sum assured is used in the treatment of only a single family member, the other members are not left uncovered. In such a case, the other family members can avail policy coverage for the illness other than the one for which the expenses have already been compensated by the insurer. Well, while finalizing your health insurance plan, you should consider other important factors such as waiting period, sub-limit, claim settlement procedures, etc. You can replace restore benefit with a super top-up plan at an affordable price. Moreover, top-up health insurance plans are more comprehensive since they come with few or no restrictions.

• Top up Health Insurance Plans

  With the rise of medical inflation, it is prudent to increase the medical insurance coverage amount. But, not all can afford it due to the high cost of the premium. This is where a top-up medical insurance plan comes into the picture. A top up health plan reduces the deductibles cost i.e. the portion of a claim you pay willingly for the damages before the insurer compensates the rest or up to the sum assured. With a top up medical policy, you don’t pay until a hospital breaks its defined limit. A top up plan is considered far cheaper than a standalone medical insurance policy. For instance, if the medical bill is Rs. 6 lakhs with a deductible of Rs. 2 lakhs, you are required to pay only the latter amount and the remaining 4 lakhs will be paid by the insurer. But, you can utilize your health policy to pay the liable amount. Again, the blending of a top-up plan with a medical cover is helpful as the premium you pay is much more affordable than an individual health plan. For example, if you pay 6,500 as a premium for Rs. 5 lakh regular cover, a top up coverage of Rs. 15 lakh will entail an additional premium of 5,000, which is anyhow cheaper than a separate policy.

• Waiting Period

  As per the medical insurance norms, every insured must serve a defined waiting period to get coverage for any pre-existing illness. It is usually a 30-day period from the day your health insurance plan is initiated. If any claim falls during the waiting period, the insurer has the right to reject the claim for any hospitalisation, except in the case of an emergency. A hospitalisation that arises out of an accident can be registered as a claim and the insurer will compensate for the hospitalisation cost. However, the insured is not required to serve the waiting period for subsequent years.

Why Compare

It is vital that you compare health insurance quotes online in order to choose the best one to meet your healthcare needs. It can get confusing to select thebest health insurance plan as so many insurers offer different health insurance products with varied features.

It is no wonder that sometimes, people end up with a plan that might cost less, but has contradictory clauses, and they practically get nothing when a claim is filed. On the other hand, you end up buying a health insurance plan with a higher cost just to find out later that it has features that you did not use or might never need.

Amid the increasing cost of treatment, a Health insurance policy prevents a medical emergency from turning into a financial emergency. It makes sure that one's healthcare needs are taken care of without depleting his/her savings or compromising on one's future goals.

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C apply.

Benefits

Due to tight and hectic schedules these days, it has become quite impossible to visit different offices or branches of different health insurers in order to compare various medical insurance policies.

Thankfully, Servzone understands the dilemma of the customers and hence, has offered a platform where you can compare different health insurance quotes online.

Enlisted below are some of the major advantages of buying a health insurance plan online:

• Access to Accurate Information:

  It offers easy access to every medical insurance policy available in the market. It also saves the buyers from dealing with the agents who are known to provide unreliable and biased information most of the time..

• Time Efficient and Convenient:

  By comparing health insurance plans online, the users are able to save their time as they don’t have to keep meeting with the agents to compare and choose the best plans. Additionally, several tasks, such as paying premiums, renewing the health insurance plans, etc., are also easier via online mode.

• Pocket-Friendly:

  If a customer buys a health plan via an online channel, he/she will be able to compare the premium and opt for the one that fits in the budget. Also, no brokerage or agent fees are levied and hence, the buyer ends up saving a significant amount of money.

• Availability of Provider/Plan Reviews:

  Doing so will help you get an overall idea of an insurer’s reputation, enabling you to make an informed decision.

Buy the right Policy

Your Requirement	What You Should Get
Coverage for hospitalisation expenses including surgical bills	Medical insurance offering cashless facility and claim reimbursement
A fixed amount daily while you are hospitalised	Hospital Cash Plan
If diagnosed/hospitalized with a critical illness or if the illness leading to loss of income	Critical Illness Plan
When an accidental disability leading to loss of income	Personal Accident Insurance
Coverage for expenses in the event of caesarean and normal delivery	Maternity Insurance
Insurance coverage for the entire family in a single plan	Family Floater Health Plan
Coverage for senior citizens	Senior Citizen health Insurance

Eligibility Criteria

The eligibility criteria for health insurance depends on the age of the customer, pre-existing illnesses, current medical conditions, etc. For this reason a medical test is also conducted by the health insurance companies to find out if the applicant is going through some health diseases or not. In most of the mediclaim policies the following eligibility criterion needs to be met:

Age Criteria- Entry age for Adults: 18 to 65 years (70 and above, based on the plan and insurer). Entry age for Children: 90 days to 18 years and in some plans it is up to 25 years as well.

Pre-medical Screening- In most cases it is required for applicants above the age of 45 years, but it may vary depending on the insurer and the type of medical insurance plan. Most of the senior citizen health plans require pre-medical tests to check if the applicant meets the eligibility criteria for insurance cover or not. The criterion for individual and family floater health plans may vary as per the policy terms and conditions.

Pre-existing Diseases- When buying a health insurance policy you need to disclose about the health diseases that you have or any pre-exiting illness that you or your family members have. Do not keep it as a secret as it may cause problems at the time of claim settlement. It can even lead to rejection of you claims.

Most of the health insurers ask the applicant if they are going through any medical conditions like blood pressure, diabetes, cardiovascular diseases, kidney problems, and any other diseases. If you are a smoker or an alcoholic then also you need to disclose it to the insurer. Based on this the insurance company will decide if you are eligible to get medical cover or not.

If one insurer doesn’t offer then you can also check with another or a buy a specific health plan as per your medical conditions. Check the policy wordings for terms and conditions to have a better understating about the eligibility criteria.

How to Compare ?

With more than 25 insurance companies’ and more than 200 health insurance products in the Indian health insurance market, comparing health insurance plans and finding the best quote is not an easy task. Listed below some of the tips to help you make an informed decision:

• Select the Appropriate Sum Assured

  The healthcare inflation in the country is skyrocketing and is increasing at the rate of 17% to 20% annually. To cover this inflation, it is important to look for the maximum available sum insured at the best possible rate of premium.

• Provide Complete & Correct Details

  Provide accurate information regarding your health in the proposal form, as any sort of inaccurate or mismatched information can make the insurer reject your claim form.

• Keep in Mind the Factors That Influence the Premium

  A few factors that influence the premium of a health insurance plan include the proposer’s life history, family health history, lifestyle, smoking habits, etc. These factors are taken into account before the premium amount is determined.

• Check the Credibility of the Health Insurance Company

  Do go through the history of the health insurance company you are planning to buy the medical insurance plan from. It is recommended that you select the health insurance company on the basis of the following parameters:

  • ICR: Incurred Claim Ratio or ICR, is one of the most important parameters to check while comparing health insurance companies in India. When taking into account the ICR of a health insurance company, look for the average ICR of all the health insurance companies online on Policy bazaar and go for the one that is closest to this average for a period of few years.

• Customer Experience: You should always take heed to the mass opinion. Look for customer reviews online. If a large number of customers of an insurance company are unhappy, it may be because their customer support or after-sales service isn’t up to the mark.
• Find out the Claim Process: Though the health insurance claim process is pretty generic over providers, knowing the nitty-gritty of the process can help save a lot of hassle at the eleventh hour.

How to Calculate Premium

In order to keep the policy in force, regular payment of a fixed premium is essential. Did you ever think about how this premium is calculated? There are certain factors that affect health insurance premium such as the medical background of your family, your personal medical history and so on.

Based on that, you might want to calculate your premium to figure out how much you would have to pay for the policy. It can be done through a health insurance premium calculator. Premium calculator is an online tool that calculates the premium to be paid as per the information provided by you. At servzone.in, you can calculate your health insurance premium easily.

Some Factors

With the advancement in medical facilities, health care costs have also increased. The main benefit of health insurance is that it takes care of the healthcare expenses. It offers financial security to you and your family in the event of an unanticipated serious illness or accidental injuries that could drain all your savings. And here is how the cost of your insurance premium is determined:

• Medical History

  Your medical history is one of the major determinants of the health insurance premium. Almost all the ' health insurers in India make pre-medical tests mandatory (after a certain age) before buying a health insurance policy.

  While, some insurance companies don’t make medical screening mandatory but do consider your current medical conditions, lifestyle-related health risks and medical background of your family. That is why medical insurance premium for smokers is higher than other people.

• Gender and Age

  Age is another important determinant of the medical insurance premium. The premium varies based on the age of the insured person. That is why it is recommended to buy a policy at a young age because the cost of the premium is low for young applicants.

  Elderly people are vulnerable to cardiovascular diseases, and other critical illnesses such as cancer, kidney problems, etc. For this reason, senior citizen medical insurance premium is usually on a higher side.

  Also, the cost of the premium for women's health insurance is lower in comparison to the male candidates due to lower risk of stroke, heart attack, etc.

• Policy Term

  The premium for a 2-year health insurance plan will be higher than a 1-year plan. However, almost all insurance companies offer a discount on long-term medical insurance plans.

• Type of Health Insurance Plan

  The type of health insurance policy you select also affects the cost of the premium. The higher the risks involved the higher will be the premium and vice-versa. With the help of an online health insurance premium calculator, you can compare the premium for different health insurance plans.

• No-Claim-Discount

  If you have not made any claim during your policy term, then you can earn NCB or No-claim-bonus ranging from 5 to 50 percent. It is also one of the most important factors that are taken into consideration while calculating the cost of the premium.

• Lifestyle

  If you drink or smoke regularly, chances are high that you will be charged more premium amount. In that case, the insurer can also reject your medical insurance policy request.

Claim Procedures

Health insurance plans come with additional benefits of cashless treatment and expense reimbursement by the insurer. One can file a claim against an event that is covered by the insurance policy. Following are two claim processes:

• Expense Reimbursement

  Health insurance plans provide the insured with the benefit of getting their medical expenses reimbursed by the insurer. The cost of various hospital charges such as bed charges, medicines, lab tests, surgeon's fees, etc. are paid back to the insured if the claim for reimbursement is filed. The insured pays the (hospital) expenses but gets reimbursed by the insurance company.

• Cashless Treatment

  Insurance companies provide policyholders with a wide range of network hospitals to get medical treatment without having to make upfront payments. No payment is required to be done by the insured since the clause involves a mutual agreement between both the parties, i.e. the insurer and the network hospital. Availing cashless benefit requires TPA approval.

  The insured can also show the insurer-issued health card at the particular hospital as proof of medical insurance cover along with a valid government ID. Following cases are considered for cashless treatment:

• Planned Hospitalization

  In case of planned hospitalization, in order to avail health insurance benefit the insured needs to have TPA approval in advance along with other mandatory documents. Fill the pre-authorization form at the network hospital signed by the treating doctor(s).

• Emergency Hospitalization

  Show the health card issued by the insurer at the hospital along with the appropriately-filled pre-authorization form to get TPA approval for emergency hospitalization. If you fail to get TPA approval, you would need to file for reimbursement later. The insured might have to show the itemized bill, proof of medical expenses, discharge bill, etc., as the proof of the treatment availed to avail claim reimbursement.

Required Documents

In the event of hospitalization, the policyholder needs to submit certain documents as mentioned below:

• Discharge card issued by the hospital/network hospital
• In-patient hospitalization bills signed by insured for authenticity
• Doctors’ prescriptions and medical store bills
• Claim-form with insured’s signature on it
• Valid investigation report
• Consumables and disposables prescribed by the doctors with complete details
• Bills of doctors’ consultation
• Copies of the Insurance policy from the previous year and the current year/copy of ID Card of TPA
• Any other document(s) asked by the TPA

List of Government Health Insurance Schemes in India

The government health insurance scheme refers to the health insurance programmes that are backed by the Indian Government. The motive of launching government health schemes is to make health insurance accessible to the economically deprived section of the society.

• PMJAY: Ayushman Bharat Yojana

  The governments’ PMJAY Ayushman Bharat Yojana aims to offer medical insurance coverage to at least 50 lakh Indians. The insurance programme focuses on two aspects: One focus is to ensure health insurance cover of Rs. 5 lakhs to each family, including in-patient hospitalization expenses and tertiary care. Another focus is to develop health and wellness centers for these people. The scheme has already benefitted 10 lakh Indians. Moreover, 1.5 lakh wellness centers would be set up by December 2022.

  Pradhan Mantri Suraksha Bima Yojana (PMSBY)

  It is a government-of-India-backed health insurance scheme, which offers coverage against personal accidents resulting in accidental disabilities, or death on account of an accident. It is offered for a period of one year and requires annual renewals. The policy is available with all public sector insurance companies that deal with the general insurance sub-domain. All private sector insurers are open to selling the scheme on a similar set of terms in collaboration with various banks upon necessary approval. Anyone within the age group of 18 to 70 years, with a savings account in any of the participating banks can benefits from the scheme while the AADHAR would be the prime KYC for the scheme and bank account.

• Rashtriya Swasthya Bima Yojana (RSBY)

  A government-run health insurance scheme for poor people in India, it provides them with the cashless facility at various public and private hospitals across the country. Launched in 2008, the scheme already has over 36 million families (as on February 2014) enrolled across 25 Indian states. The operations under this plan started under the Ministry of Labor and Employment and were transferred to the Ministry of Health and Family Welfare on April 1, 2015.

  As this plan works for BPL (Below Poverty Line) families, they get a smart-card that is biometric-enabled to become eligible for inpatient medical care worth Rs. 30, 000 per year at an empanelled hospital. The coverage for pre-existing diseases is there right from day one for parents and up to three children.

  Universal Health Insurance Scheme (UHIS)

  Aimed at improving the health standards of people at or below the poverty line, four of the public sector general insurers implemented UHIS in India. Under this scheme, the eligible families can get reimbursement for medical expenses up to Rs. 30, 000 and accidental death benefit of Rs. 25, 000 to the breadwinner in the family.

  The loss of income of the family is also compensated with Rs. 50 per day up to 15 days in a month. The scheme was revised later, thereby increasing the premium subsidy from Rs. 100 to Rs. 200 for an individual and Rs. 300 for a family of 5 members and Rs. 400 for a family of 7 members.

• Aam Aadmi Bima Yojana (AABY)

  A government-of-India-run scheme for people from rural regions of India, who are landless, was launched in October 2007 and covers the prime earner in the family with the benefits. An annual premium of Rs. 200 is payable by the family, which is divided between the Central Government and State Government, while the age of the insured lies between 18 and 59 years. Below are the coverage benefits:

  Rs. 30,000 payable	In the case of Natural Death
  Rs. 75,000 payable	In case of death or total permanent disability because of an accident causing the loss of both eyes or 2 limbs
  Rs. 37,500 payable	In case of partial permanent disability because of an accident causing the loss of one eye or 1 limb

• Employment State Insurance Scheme (ESIS)

  Employment State Insurance Scheme or ESIS is designed for workers who work in non-seasonal factories with an employee strength of at least 10 employees. The insurance coverage under this scheme is extended for self and dependents. The policy or act now applies to around 7.83 lakhs factories across the country with 2.13 cr insured persons/families. The total beneficiary stands at approx. 8.28 crores. The list of coverage under this scheme includes hospitalisation expenses along with daily cash benefits in case of sickness and disablement. Under ESIS, the offered cash

  • Illness Benefit at 70% of total wages for 91 days
  • Disablement benefit for the insured
  • 90% of last wages in case of temporary disability
  • Cash benefit on pro-rata basis for loss of earning capacity for lifelong in case of permanent disability
  • Maternity benefit equal to 100% of wages for 12 weeks
  • RGSKY for unemployment at 50% of last wages for 1 year
  • Dependent benefit at 90% of wages
  • Funeral Expenses cover Rs 10,000/-

  Additional Benefits

  • Vocational rehabilitation
  • Physical Rehabilitation

• Central Government Health Scheme (CHGS)

  Central Government Health Scheme is one of the popular health schemes owned by the Indian government where health care benefits are provided to Central Government employees. The scheme also covers the pension holders, in fact, it covers all four pillars of a democratic state such as Legislature, Judiciary, Executive and Press. The scheme is unique of its kind due to the comprehensive health insurance benefit. At present, around 35 lakh beneficiaries are covered by CHGS in 71 cities in India. Under CHGS, health coverage is provided for treatment availing under allopathic, homeopathic, Ayurveda, Unani, Siddha and Yoga.

List of Insurance Companie

In order to help you with the best and convenient buying experience, we have compiled a list of General Insurance Companies in India providing health insurance in India. This list is prepared based on the Incurred Claim Ratio (ICR) and the overall health insurance policy benefits that they are offering:

Let’s discuss these Health Insurance Providers in detail.

• Aditya Birla Health Insurance

  Aditya Birla health insurance plans are designed to meet the diversified needs of the customers. The insurer offers a range of comprehensive plans with a sum assured limit up to Rs. 2 Crores. It is known for its individual, family, critical illness, and group health insurance plans. With more than 17,000 advisors, the insurance provider has presence in more than 650 Cities.

  Health Insurance Plans by Aditya Birla Capital

  • Activ Health Platinum
  • Activ Care
  • Activ Assure Diamond
  • Activ Secure
  • Global Health Secure
  • Group Activ Health/Secure

• Bajaj Allianz Health Insurance

  A joint venture of Bajaj Finserv Limited, a comprehensive financial services company based out of India and Allianz SE, the global financial services major based out of Munich, Germany, Bajaj Allianz General Insurance Company focuses on the general insurance space in the country, including medical insurance. The insurance company has received the iAAA rating from ICRA for the 10th year in a row. With more than 6500 cashless hospitals in India, the insurer offers supreme healthcare with high sum insured options. As of 2019, Bajaj Allianz continues to be one of the robust general insurers in India with a profit of Rs 780 crore and revenue of Rs. 11,097 crore with a growth of 17%.

Health Insurance Plans by Bajaj Allianz Insurance Company

• Health Guard Family Floater Plane
• Critical illness Policy
• Extra Care Health Plan
• Hospital Cash Daily Allowance Plan
• Silver Health Plan
• Star Package Health Plan
• Tax Gain Health Plan
• Critical illness for Women
• Individual Health Guard Insurance
• Health Care Supreme Plan
• Health Ensure Plan
• Silver Health Plan for Senior Citizens

• Bharti AXA Health Insurance

  Bharti AXA Health Insurance claims to have settled 98.27% claims in a year, 1.3 million policies issued, 101 branch offices all over India and PAN India network hospitals to avail cashless treatment and these figures are enough to prove the reliability of the insurer. Health insurance offered by Bharti AXA offers extensive coverage maximum up to Rs. 1 Crore.

  Health Insurance Plans by Bharti AXA Insurance Company

  • Smart Health Insurance Plan
  • Smart Super Health Insurance Policy- Value, Classic and Uber Plan

• Care Health Insurance (Formerly known as ReligareHealth Insurance)

  With a wide network of over 4,100 hospitals across the country, Care Health Insurance Company (Formerly known as Religare Health Insurance) is promoted by the founders of India’s leading private hospital chain, Fortis Hospitals. The insurance claims are directly entertained by the company executives and there is no third-party involved in the claim processing. Based on the coverage offered by individual health plans, customers can opt for riders for protection enhancement. Recently, the insurer was awarded MCX Award in 2019, Best Claims Service Provider of the Year for 2018 by Insurance India Summit & Awards 2018 and many more.

  Health Insurance Plans by Care Health Insurance Company (Formerly known as Religare Health Insurance)

  • Care (Comprehensive Health Insurance)
  • Enhance (Super Top Up Insurance)
  • Care Freedom (Health Insurance with Medical Check-up)
  • Joy (Maternity & New Born Cover)
  • Group Care (Group Health Insurance)
  • Secure (Personal Accident Insurance)
  • Cancer Mediclaim (Lifelong Cancer Protection Cover)
  • Heart Mediclaim (Health Cover for 16 Types of Heart Ailments)
  • Critical Mediclaim (Critical Illness Cover)
  • Operation Mediclaim (Surgery/Operation Expenses Cover)
  • Group Secure (Group Personal Accident Insurance)

• Chola MS Health Insurance

  General Insurance Company Limited, established in 2001, was set up by the India-based Murugappa Group, a multi-business conglomerate, and the Japan-based Mitsui Sumitomo Insurance Group as a joint venture to address the general insurance market in India. The company provides both individual and corporate insurance solutions through its 105 branches and 9000 plus agents in the country.

  The insurer has received many accolades in a form of numerous awards for being perfect in its niche. The Pride of Tamil Nadu Award for BFSI, Golden Peacock Award in 2017 for best risk management, named as dream company to work to name a few.

  Health Insurance Plans by Chola MS Insurance Company

  • Chola Swasth Parivar Insurance
  • Chola Tax Plus Healthline
  • Chola MS Family Healthline Insurance
  • Chola Topup Healthline
  • Chola MS Critical Healthline Insurance
  • Chola Accident Protection
  • Chola Hospital Cash Healthline
  • Chola Classic Health - Individual
  • Chola Classic Health - Family Floater
  • Chola Super Topup Insurance
  • Individual Healthline Insurance
  • Hospital Cash Healthline Plan
  • Chola Healthline

• Digit Health Insurance

  Digit Health Insurance as the name suggests is a digital friendly health insurance provider that offers customized plans that can be easily purchased online. The policies are designed for individuals, families, and senior citizens, who can avail cashless claims in more than 5900 partner hospitals PAN India.The Insurer has bagged a couple of awards such as - ' Top Indian Startup 2019', and Asia's General Insurance Company of the Year 2019.

  Health Insurance Plans by Digit General Insurance Company

  • Health Insurance
  • Corporate Health Insurance

• Edelweiss Health Insurance

  Edelweiss health medical insurance plans offer coverage to Individuals, Families, and Groups. It comes in three variants- Silver, Gold, and Platinum. The Platinum plans offer comprehensive coverage upto sum assured of Rs. 1 Crore. Coverage for Critical Illness is provided in both Gold, and Platinum plans.

  Health Insurance Plans by Edelweiss General Insurance Company

  • Edelweiss Health Insurance
  • Edelweiss Group Health Insurance

• Future Generali Health Insurance

  A joint venture of the Indian Conglomerate Future Group, and the Generali Group, one of the world’s largest international insurance companies, Future Generali Health Insurance an Insurance Company has a PAN India presence with its 137 branches. The company provides a range of insurance solutions and intends to exploit the expansive network and local experience of the Future Group and the in-depth insurance expertise of Generali Group.

  Health Insurance Plans by Future Generali Insurance Company

  • Future Health Suraksha - Individual Plan
  • Future Health Suraksha - Family Plan
  • Future Hospicash - Hospital Cash
  • Comprehensive Plan - Health Total
  • Accident Suraksha - Personal Accident
  • Future Criticare - Critical Illness
  • Future Vector Care
  • Future Advantage Top up
  • Future Health Surplus - Top-Up
  • Surakshit Loan Bima

• HDFC ERGO General Health Insurance

  HDFC Ergo General Health Insurance Company provides some of the most comprehensive and pocket-friendly insurance products. The variety in its services has established HDFC Ergo as one of the leading insurance providing companies in the private sector. It is the umbrella company that provides the customers with HDFC ERGO mediclaim policy providing cashless hospitalization (including COVID-19) facility in more than 10000 hospitals across India.

  Health Insurance Plans by HDFC Ergo General Insurance Company

  • my:health Suraksha

  • Suraksha Silver with ECB & Rebound

  • my:health Suraksha Silver

  • my: health Women Suraksha

  • Critical Illness Policy

  • Critical Illness Premium

  • Health Suraksha Top-up

  • my:health Medisure Super Top-up

  • Corona Kavach Policy

  • Arogya Sanjeevani policy

• HDFC ERGO Health Insurance (formerly known as Apollo Munich Health Insurance)

  With a promise of 90% health claims get settled within 20 minutes, HDFC Ergo Health Insurance is one of the leading General Insurance Companies in India. With 10,000+ network hospitals across the country, where quality healthcare can be availed cashless, the insurer offers indemnity-based health insurance with affordable premiums.

  Apart from health, the insurer also has expanded its business over other domains such as travel, motor, home insurance, commercial vehicle, property, and miscellaneous insurance. HDFC ERGO Health (formerly known as Apollo Munich Health Insurance) focuses on being a trusted leader in the health insurance space with its innovative solutions.

  Health Insurance Plans by HDFC ERGO Insurance Company

  • Optima Restore - Our Bestselling Plan
  • Easy Health - An Affordable Plan
  • Optima Cash - Daily Hospital Cash Plan
  • Maxima - Our Comprehensive Plan
  • Optima Super ñ Aggregate Top up Plan
  • Optima Vital- The Critical Illness Plan
  • Easy Health - Our Plan For Young Family
  • Easy Health - Our Premium Plan
  • NEW iCan Cancer Insurance - Covers Cancer Treatment Costs
  • Optima Plus - A Top Up Plan
  • Energy for Diabetes Health Plans
  • Dengue Care Plan - Comprehensive & Exclusive Cover for Dengue Fever

• Iffco Tokio Health Insurance

  IFFCO Tokio Health Insurance is one of the most sought after insurance products in the market offered by IFFCO Tokio General Insurance Company. Formed in December, 2000, the provider is one of the most renowned insurance providers with maximum customer satisfaction that promises transparency and a hassle-free claim settlement. The health insurance company caters to the rural population as well and offers cashless treatment in more than 5000 network hospitals across India.

  Health Insurance Plans by Iffco Tokio General Insurance Company

  • Family Health Protector Policy
  • Critical Illness Health Insurance
  • Individual Medishield Policy
  • Swasthya Kavach Policy
  • Individual Health Protector Policy
  • Personal Accident Insurance Policy

• Kotak Mahindra Health Insurance

  The insurance company is a subsidiary of one of the leading private sector banks in India i.e. Kotak Mahindra Health Insurance Ltd. In addition to the basic coverage, the insurer also provides add-on covers and discounts on premium. In more than 4000 network hospitals, the policyholders and the insured members in a plan can avail cashless hospitalization facility.

  Health Insurance Plans by Kotak Mahindra Insurance Company

  • Kotak Secure Shield
  • Kotak Health Super Top-up
  • Accident Care Health Plan
  • Kotak Health Premier

• Liberty Health Insurance

  Liberty Health Insurance was commenced in the year 2013 and has been providing diversified health insurance products catering to the needs of different customers. The insurer has more than 5000 partner hospitals where the insured can avail cashless treatment. For it services in the insurance sector, Liberty General Insurance has been awarded Employer of Choice by the Excellence Awards.

  Health Insurance Plans by Liberty General Insurance Company

  • Health Connect Policy
  • Health Connect Supra
  • Secure Health Connect
  • Individual Personal Accident

• Max Bupa Health Insurance

  Max Bupa Health Insurance has a presence in more than 190 countries and offers direct claim settlement without Third-party Administrator. To ensure convenience to its policyholders and seamless claim settlement the insurer offers cashless claim pre-authorization in 30-minutes

  Health Insurance Plans by Max Bupa General Insurance Company

  • GoActive Family FloaterHealth Insurance
  • Heartbeat Family Floater Health Plan
  • Max Bupa Health Recharge Plan
  • Criticare Health Insurance Plan

• ManipalCigna Health Insurance

  ManipalCigna Insurance Company Limited (formerly known as CignaTTK Insurance Company Limited) is a joint venture between the Manipal Group and Cigna Corporation; both are global market leaders with a huge customer base.ManipalCigna Health Insurance offers a full suite of insurance solutions ranging from health, personal accident, major illness, travel and global care to individual customers, employer-employee, and non-employer-employee groups to meet their diverse health needs.

  Health Insurance Plans by ManipalCigna Insurance Company

  • ProHealth Insurance
  • Lifestyle Protection Critical Care
  • Lifestyle Protection Accident Care
  • Lifestyle Protection Group Policy
  • ProHealth Group Insurance Policy
  • ProHealth Select
  • Global Health Group Policy
  • ProHealth Cash

• National Health Insurance

  It is one of the most renowned and oldest fully government organizations providing insurance cover In India. It was started in 1906 and now has nearly 1998 offices across India. It is one of the leading insurers providing customized plans with comprehensive coverage to individuals, families, groups and senior citizens. Cashless hospitalization is provided in more than 6000 network hospitals across India

  Health Insurance Plans by National Insurance GI Company

  • National Parivar Mediclaim
  • Overseas Mediclaim Business and Holiday Plan
  • National Mediclaim Policy
  • National Critical Illness Plan

• New India Assurance Health Insurance

  New India Assurance Health Insurance GI Co. was founded in 1919 and has its headquarters in Mumbai and has its presence across 28 countries. In addition to other insurance products, New India Assurance Health Insurance is one of the most trusted products among its customers. Most of the health plans do not require pre-medical check-ups up to the age of 50 years

  Health Insurance Plans by New India Assurance

  • New India Assurance Senior Citizen Mediclaim Plan
  • Asha Kiran Health Insurance Plan
  • Asha Kiran Health Insurance Plan
  • New India Assurance Mediclaim Policy

• Oriental Health Insurance

  TheOriental health insurance company offers a range of comprehensive general insurance products. In addition to India the insurer offers services in Nepal, Kuwait, and Dubai. People can easily compare, buy and renew health insurance policies online. It offers the medical insurance plans promising an enhanced coverage at an affordable price. The insurance provider also offers insurance products for chemical and petrochemical industries.

  Health Insurance Plans by the Oriental insurance Company

  • Happy Family Floater Plan
  • Oriental PNB Health Plan
  • Individual Mediclaim Health Insurance
  • OBC Oriental Mediclaim Plan

• Reliance Health Insurance

  Reliance is one of the most renowned general insurance providers in India. The insurer has 139 offices PAN India to where you easily reach out to them and avail their seamless services as per your own convenience. With online purchase and renewal services, they are even more accessible.

  Moreover, Reliance health insurance has its presence across India and abroad. Reliance provides both Individual and family floater plans. Moreover, Independent women can avail a discount of 5 percent on the premium

  Health Insurance Plans by Reliance General Insurance Company

  • Reliance Health Wise Plan
  • Reliance Health Gain Plan
  • Reliance Health Gain Installment Plan
  • Reliance Wellness Plan
  • Reliance Critical Illness Plan
  • Reliance Personal Accident Plan

• Raheja QBE Health Insurance

  Raheja QBE Health Insurance belongs to the Rajan Raheja Group. It is one of the most popular general insurers in India. The insurer offers health insurance policy and cancer insurance policy with comprehensive policy features. Even the non-medical expenses are covered like attendants and hygiene in case of cashless claims. The Cancer Insurance policy offers coverage to individuals in the age group of 1 day to 70 years.

  Health Insurance Plans by Raheja QBE General Insurance Company

  • Cancer Insurance
  • Health QBE

• Royal Sundaram Health Insurance

  Royal Sundaram Health Insurance GI Co. Ltd is recognized as one of the most popular general insurance companies in India. The insurer also offers cashless hospitalization facilities in nearly 5000 network hospitals in India itself. Royal Sundaram health insurance offers a lifelong renewability option.

  Health Insurance Plans by Royal Sundaram Insurance Company

  • Family Plus Health InsurancePlan
  • Supreme Lifeline Health Plan
  • Plan

• Star Health Insurance

  >Star Health insurance is the first standalone insurance company. Founded in the year 2006 Star Health and Allied Insurance Co Ltd. initially the company focused on Overseas Medicliam Policy, Health Insurance, and Personal Accident Plan but the vision has now expanded. With more than 9800 network hospitals across the country, the insurer was awarded the best BFSI Brand Award by Economic Times in 2019.

  Health Insurance Plans by Star Health Insurance Company

  • Family Health Optima Plan
  • Senior Citizens Red Carpet
  • Star Comprehensive Insurance Policy
  • Star Health Gain Insurance Policy
  • Super Surplus Insurance Policy
  • Diabetes Safe Insurance Policy
  • Star Criticare Plus Insurance Policy
  • Star Family Delite Insurance Policy
  • Medi-classic Insurance Policy (Individual)
  • Star Cardiac Care Insurance Policy

• SBI Health Insurance

  SBI Health Insurance operated as a joint venture between State Bank of India and Insurance Australia Group. The company offers a range of health insurance plans for both individuals and groups. Serving a large share of insurance customers in India, it has gained the trust of its existing as well as prospective customers.

  Over these years, the company has successfully established its feet in the vast insurance market of India. The health insurance products of SBI allow its customers to manage their financial expenses. Based on the health cover required, its customers can opt for health insurance plans with sum assured up to Rs. 50,000 to Rs. 5,00,000.

  Health Insurance Plans by SBI Insurance Company

  • Health Insurance
  • Group Health Insurance - SBI
  • Critical Illness
  • Hospital Daily Cash
  • Loan Insurance
  • Arogya Premier
  • Arogya Plus
  • Arogya Top Up

• Tata AIG Health Insurance

  Tata AIG Health Insurance General Insurance is a collaboration between TATA Group and the American International. The insurer has tie-ups with more than 4000 network hospitals in India where cashless treatment is available. The insurance provider ensures a seamless settlement of claims so that the insured can focus on the treatment.

  Health Insurance Plans by TATA AIG General Insurance Company

  • MediPrime Health Insurance Plan
  • Tata AIG Wellsurance Family Plan
  • MediSenior Plan
  • Tata AIG Wellsurance Women Plan
  • MediPlus Plan
  • MediRaksha Plan
  • Wellsurance Executive Plan
  • Critical Illness Policy

• United India Health Insurance

  is one of the most popular general insurance companies in India. It was formed as a merger of 22 companies with their headquarters in Chennai. The insurer facilitates cashless medical treatment in more than 7000 hospitals PAN India. Also, the insurer has been accredited by ICRA for its high claim paying ability and high solvency margin ratio.

  Health Insurance Plans by United India Insurance Company

  • MediPrime Health Insurance Plan
  • Tata AIG Wellsurance Family Plan
  • MediSenior Plan
  • Tata AIG Wellsurance Women Plan
  • MediPlus Plan
  • MediRaksha Plan
  • Wellsurance Executive Plan
  • Critical Illness Policy

• Universal Sompo Health Insurance

  Universal Sompo GI Co. is a private-public undertaking, which was founded in 2007. It is a joint collaboration between Dabur Investment Corporation, Indian Overseas Bank, Karnataka Bank, Allahabad, and Sompo Japan. plans are designed in a simple and affordable manner to meet the most of the insurance needs of its customers. Moreover, cashless treatment is available in more than 5000 network hospitals across India. Diversified plans available for individuals, families, groups, NGOs, students and the likewise.

  Health Insurance Plans by Universal Sompo

  • Individual Health Insurance
  • Janta Personal Accident Insurance
  • Complete Healthcare Insurance
  • Senior Citizen Health Insurance
  • Aapat Suraksha Bima Policy
  • Hospital Cash Insurance Policy
  • Sampoorna Suraksha Bima
  • Group Personal Accident Policy
  • Critical Illness Insurance