HEALTH INSURANCE

HEALTH INSURANCE : 



Care Health Insurance


 Highlights : 

 Claim Settlement Ratio - 92.83%     COVID-19 Cover – Yes  

 In-House Claim Settlement - 100%  Incurred Claim Ratio - 55%
 Network Hospitals - 8,250+                  Policies Sold – 6,91,739
 Renewability -  Lifelong  

Benefits of Care Health Insurance

Following are the benefits which you can enjoy with a Care Health Insurance Policy:

  • Auto Recharge Feature - During any health emergency, a financial crisis could be a nightmare. Hence, auto recharge of policy sum insured features offered with Care Health Insurance plans can get you an immediate recharge after your sum insured gets exhausted.
  • Modern Treatments - Care Health Insurance plans offer advanced level medical treatments while taking care of all your financial worries. The insurer offers coverage for modern treatments like Robotics Surgery and HIV/AIDS under Care Insurance.
  • Health Earning - With this benefit, the policyholders can gain up to 25% of return of their premium amount by inviting their colleagues, friends and family members to get insured under Care Health Insurance.
  • Easy Portability Option - The Care Health Insurance plans offer an easy option to customers who want to switch their existing insurance plans. It takes a small process to go through which includes premium check, filling existing insurance details and payment completion.
  • Lifetime Renewability - The policyholders can get themselves insured under Care Health Insurance for lifelong with this lifetime renewability feature. To avail this offering, you just have to renew your health insurance plan at the end of its policy term, which may vary as per your selection.

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Star Health Insurance


  Highlights : 

 Claim Settlement Ratio - 78.62%     COVID-19 Cover – Yes  

 In-House Claim Settlement - Available
 Network Hospitals - 9,900+               Policies Sold – 37,34,365
 Renewability -  Lifelong  

Benefits of Star Health Insurance

Buying health insurance plans offered by Star Health and Allied Insurance Company has its own benefits. The insurer has more than 300 branches in India, an excellent Claim Settlement Ratio as well as satisfactory Incurred Claim Ratio. Coming to health insurance plans, the insurer has a variety of them to offer that fulfil varied requirements of different sections of the society. These include individual health insurance plans, family floater health insurance plans, senior citizen health insurance plans, critical illness health insurance plans, disease-specific health insurance plans, personal accident plans, etc. The insurer offers a smooth claim settlement process which makes it easy for the insured to avail of services under the policy. Ever since its inception, the company has made its presence felt and has emerged as a reputed name in the general insurance segment.

Star Health and Allied Insurance Company has won a variety of awards proving it to be one of India’s premier health insurance companies. In 2017, it won the WHO Award of Excellence. And in the year 2018-19, it won the Best Insurance Provider of the Year at the Money Today Financial Awards 2018-19. The company’s branches are spread across the country at more than 450 locations, enabling individuals to access it easily.

In terms of health insurance products, Star Health offers a range of health insurance plans which are both innovative and unique in their benefit structure. While the coverage under the plans is comprehensive, premiums are affordable to suit every individual’s pockets.


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ManipalCigna Health Insurance


Highlights : 

 Claim Settlement Ratio - 85.72%      COVID-19 Cover – Yes  

 In-House Claim Settlement - Available

Incurred Claim Ratio - 54%                Network Hospitals - 6,500

    Policies Sold – 2,29,817                Renewability -  Lifelong   

Benefits of ManipalCigna Health Insurance

Present in India across 15 leading cities, ManipalCigna Health Insurance Company Limited has been recognised widely for the products and services that it offers. When it comes to health insurance, the insurer offers comprehensive coverage through a variety of innovative products. These include individual health insurance plans, family floater health insurance plans, senior citizens health insurance plans, critical illness health insurance plans, etc. These plans offer the policyholders unparalleled coverage benefits. The insurer also has a good Claim Settlement Ratio (CSR) which indicates that it can handle the claims well.


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Digit Health Insurance


Highlights : 

 Claim Settlement - Dedicated Team   COVID-19 Cover – Yes  

 Claim Settlement Ratio - 63.56%            Network Hospitals - 5,900+

 Free Health Checkup - Available

 Policies Sold – 865                             Renewability -  Lifelong   

Benefits of Digit Health Insurance

Go Digit General Insurance Company provides a wide range of insurance products online, health insurance being one of its most trusted products. A good news is that all insurance policies are available online at reasonable rates without agent commissions. Currently, the insurer has 1,500 strategic partners, including agents, dealers, brokers that are spread across 70 cities and towns. This insurance company is also investing in a technology-driven platform like Artificial Intelligence (AI) to offer customised insurance products to customers at affordable prices. 


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Max Bupa Health Insurance


Highlights : 

 Claim Settlement Ratio - 89.46%      COVID-19 Cover – Yes  

 In-House Claim Settlement - Available

Incurred Claim Ratio - 54%                Network Hospitals - 4,500+

Policies Sold – 6,96,107                     Renewability -  Lifelong   

Benefits of Max Bupa Health Insurance

Max Bupa Health Insurance (now Niva Bupa Health Insurance) is a standalone health insurance provider in India which offers insurance plans covering health-related contingencies. The company is a joint venture between Max India Limited and Bupa, which is a UK-based expert in providing healthcare services. Both these entities provide strong backing to the company making it one of the leading health insurance providers in India.

The company has various achievements to its name giving it an edge over other general insurance companies. Max Bupa is the only health insurance company, which has been labeled a Superbrand for two consecutive years. Moreover, the company is highly trusted having a customer base of about 2.9 million satisfied individuals.

Max Bupa offers a range of health insurance plans starting from indemnity-oriented mediclaim plans to fixed benefit critical illness plans as well as personal accident plans, so that every customer can find a health plan for his/her needs.


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       HDFC ERGO Health             Insurance

Highlights : 

 Claim Settlement Ratio - 86.52%      COVID-19 Cover – Yes  

 In-House Claim Settlement - Available

 Network Hospitals - 10,000+            Policies Sold – 10,66,395 

 Renewability -  Lifelong  

Benefits of HDFC ERGO Health Insurance

HDFC Ergo is a general insurance company that operates through more than 120 branches across more than 106 cities of India. The company has been rated ‘iAAA’ by ICRA, indicating a high claim paying capacity. Also, the company is ISO certified for its efficiency in claim settlements, policy issuance, customer service, and standardization of security measures. The insurer offers a wide range of health insurance plans that offer comprehensive coverage to the customers at an affordable premium. It has health insurance plans for all, individuals, families, senior citizens, women, kids, etc. The coverage features under these health plans vary but offer complete protection to the insured during health emergencyies. 



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Royal Sundaram Health Insurance

 Highlights : 

 Claim Settlement Ratio - 81.50%      COVID-19 Cover – Yes  

 In-House Claim Settlement - Available

 Network Hospitals - 5,000+            Policies Sold – 1,85,450 

 Renewability -  Lifelong  

Benefits of Royal Sundaram Health Insurance

Royal Sundaram has a range of general insurance products in its kitty, health insurance being one of them. It offers a range of health insurance plans that cater to different requirements of the customers. The plans are of different types and offer wide coverage at affordable premiums.​​ The company has a customer base of more than 5.2 million individuals across the country and has more than 143 branches. It boasts of being the first private insurer which tied up with banks to sell insurance. Moreover, Royal Sundaram also introduced cashless claim settlements in the health insurance sector.



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Universal Sompo Health Insurance

 Highlights : 

 Claim Settlement Ratio - 70.75%      COVID-19 Cover – Yes  

 In-House Claim Settlement - Available

 Network Hospitals - 4,000+            Policies Sold – 2,67,221 

 Renewability -  Lifelong  

Benefits of Universal Sompo Health Insurance

Universal Sompo is a leading name in the general insurance segment and the company offers a range of general insurance products to customers. The company offers innovative insurance products and has a strong online presence making it easy to buy and service insurance policy. The banking partners of Universal Sompo have more than 7,700 branches across India making the company’s network strong and far-reaching.

When it comes to health insurance, Universal Sompo offers all types of plans for suiting individual needs. There are indemnity health plans, fixed-benefit plans, family floater plans, etc. to fulfill all your coverage requirements.



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Aditya Birla Health Insurance

 Highlights : 

 Claim Settlement Ratio - 70.81%      COVID-19 Cover – Yes  

 In-House Claim Settlement - Available

 Network Hospitals - 6,000+            Policies Sold – 1,86,244 

 Renewability -  Lifelong  

 

Benefits of Aditya Birla Health Insurance

Aditya Birla Health Insurance offers a range of health insurance plans that meet varied health insurance requirements of the individuals. It offers individual health insurance plans, family health insurance plans, senior citizen health insurance plans, COVID-19 health insurance plans, etc. that provide the insured with a wide scope of coverage as well as wellness-oriented benefits that promote healthy living, all of it at affordable premiums. The insurer also offers an assessment tool, with the help of which one can find the best health insurance plans as per their requirements and budget.




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Edelweiss Health Insurance

  Highlights : 

 Claim Settlement Ratio - 85.57% COVID-19 Cover – Yes  

 In-House Claim Settlement - Available

 Network Hospitals - 2,578+         Policies Sold – 10,449 

 Renewability -  Lifelong                Free Health Checkup - Available

Benefits of Edelweiss Health Insurance

Edelweiss General Insurance Company Limited is one of the fastest growing health insurance companies in the health insurance segment in India. Like other insurers, this insurer is also witnessing increasing demand for its insurance policies due to the exponential growth of the working population.

Being a wholly-owned subsidiary of Edelweiss Financial Services Limited (a global investment and financial services company), Edelweiss General Insurance serves a large number of people by providing them with some of the best health insurance products at reasonably-priced premiums.

The health plans of Edelweiss are customized to ensure maximum protection to the insured person. The plans cover expenses incurred in pre and post hospitalisation, daycare procedures, domiciliary treatment, maternity, critical illnesses, and other medical conditions. The insurance company also allows mid-term entry of an applicant in case of marriage or childbirth.




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New India Health Insurance

 Highlights : 

 Claim Settlement - Dedicated Team   COVID-19 Cover – Yes  

 Claim Settlement Ratio - 92.68%            Network Hospitals - 1,500+

 Free Health Checkup - Available

 Policies Sold – 16,83,506                    Renewability -  Lifelong   

Benefits of New India Health Insurance

New India Assurance Co. Ltd. is the largest public sector general insurance company in the country based on the collection of gross premium. It is a Multinational General Insurance Company that operates in 28 different countries. The company caters to several sections of the society by offering them various insurance products, and health is one of them. New India Assurance has managed to build a good reputation in the health insurance industry in India by providing comprehensive health insurance plans for individuals, families, parents, senior citizens, etc. The easy buying and renewal process of the company helps the customers instantly purchase and renew the health insurance plan online within a few minutes.

The insurer offers various plans specially designed to provide extensive coverage like alternative treatments, pre-hospitalisation and post-hospitalisation cover, cover for pre-existing diseases, etc. Apart from these, the policyholders also get added advantages of cashless hospitalisation, dedicated customer support team, provision of the grace period, portability, lifelong renewability of the policies, and so on.



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Reliance Health Insurance

  Highlights : 

 Claim Settlement - Dedicated Team   COVID-19 Cover – Yes  

 Claim Settlement Ratio - 76.43%            Network Hospitals - 7,300+

 Policies Sold – 91,492                         Renewability -  Lifelong  

 

Benefits of Reliance Health Insurance

Reliance General Insurance Company is the insurance arm of the leading Indian conglomerate Reliance Group. At present, the insurer has a network of more than 7,300 where the einsured can avail cashless treatment. Also, buying insurance plans from the company is easy. The company promises to deliver the policy within 10 seconds of buying it. The company has ISO 9001:2015 certification ensuring high service and product standards. The company has developed a range of health insurance plans which have good coverage features. The premiums are low so that one can affordably insure self and family members at affordable premiums.



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Tata AIG Health Insurance

  Highlights : 

 Claim Settlement - Dedicated Team   COVID-19 Cover – Yes  

 Claim Settlement Ratio - 76.04%            Network Hospitals - 3,000+

 Policies Sold – 2,20,583                      Renewability -  Lifelong  

Benefits of Tata AIG Health Insurance

TATA AIG General Insurance Company is formed as a joint venture between one of India’s largest conglomerates TATA Group and American International Group (AIG). The company was established in the year 2001 and offers a range of general insurance products like health insurance, auto insurance, travel insurance, etc. The company’s asset base is large at more than Rs. 8,035 crores and the company is present at more than 200 locations in India. TATA AIG has more than 22,000 licensed agents and 390 licensed brokers ensuring that its insurance products reach every part of the country.

When it comes to health insurance, TATA AIG has a range of health insurance plans to its name. It offers indemnity health plans, fixed benefit plans, plans for covering the entire family or a single individual, and even group health plans.



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Bajaj Allianz Health Insurance

   Highlights : 

 Claim Settlement Ratio - 92.24% COVID-19 Cover – Yes  

 In-House Claim Settlement - Available

 Network Hospitals - 6,500+         Policies Sold – 5,31,046 

 Renewability -  Lifelong               

Benefits of Bajaj Allianz Health Insurance

Bajaj Allianz General Insurance Company is a joint venture between two companies – Bajaj Finserv Limited which is the Indian counterpart and Allianz SE which is the foreign stakeholder in the company. Bajaj Allianz General Insurance Company was formed in the year 2001 for selling general insurance products both in the retail and commercial segments.

Ever since its formation, Bajaj Allianz has grown with leaps and bounds and today is present across 800 cities and towns of India. The company has acquired iAAA rating from ICRA showing its efficiency in claim settlements and customer service and also has a range of awards under its belt.

The health insurance category of Bajaj Allianz is quite varied. The company offers every possible type of health insurance like individual plans, family floater plans, senior citizen plans, top-up plans, critical illness plans, etc.



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Liberty Health Insurance

 Highlights : 

 Claim Settlement - Dedicated Team   COVID-19 Cover – Yes  

 Claim Settlement Ratio - 81.03%            Network Hospitals - 5,000+

 Policies Sold – 50,692                         Renewability -  Lifelong  

 

Benefits of Liberty Health Insurance

Liberty General Insurance (LGI) is an award-winning general insurance company, based in Mumbai, India. Within a short span of time, Liberty General Insurance has managed to operate its operations through 60 offices in 58 cities across 23 states. Besides, it provides cashless treatment in 5,000+ network hospitals across the country and serves customers at more than 3,100 auto service centres. The health insurance plans of the company have been designed to provide policyholders with extensive coverage in terms of medical expenses, subject to the coverage specified in the policy wordings.

Some of the key health insurance benefits include a free health check-up after 2 years of continuous policy renewal, a free look period of 15 days, 10% increment in the basic sum insured for every claim-free year.



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Kotak Mahindra Health Insurance

  Highlights : 

 Claim Settlement Ratio - 75.45%   COVID-19 Cover – Yes  

 Network Hospitals - 4,000+         Free Health Checkup - Available

 Policies Sold – 3,49,931              Renewability -  Lifelong  

 In-House Claim Settlement - Available

Benefits of Kotak Mahindra Health Insurance

Incorporated in the year 2014, Kotak General Insurance is a 100% subsidiary of Kotak Mahindra Bank Ltd. One of the fastest growing general insurance companies in India, Kotak General Insurance is a part of the Kotak Mahindra Group, one of India's leading financial services conglomerates. Aimed towards offering customised products, state of the art technology, and digital infrastructure, Kotak General Insurance provides a series of health insurance solutions that cater to the needs of one and all. The company offers comprehensive health insurance plans that are dedicatedly designed to serve the diverse needs of individuals as well as families.

Health insurance plans by Kotak General Insurance are renowned for their wide coverage and numerous benefits. Providing the best possible plans, according to the varied health insurance requirements, irrespective of customer segment and geographies is the ultimate objective of the insurer.



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