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Top Five Health Insurance Companies in India

By  ,  Onlymyhealth editorial team
Jun 28, 2011
4.8 / 5(4 Ratings)

If you do not have a health insurance, let us tell you why it is important to get one.


Importance of a Health Insurance

•    It offers protection during unexpected medical emergencies.
•    It comes to rescue someone in case of sudden accident and illness.
•    It takes care of patient’s hospitalization and subsequent medical and other costs incurred during or post hospitalization.

Each health insurance company has its own health insurance plans.Take a look at the top five health insurance companies in India.


Top Five health insurance companies

 

1.    Max Bupa: 

 

Max Bupa is a joint venture between Max India Limited and the UK based healthcare services expert, Bupa. They offer following Health Insurance Policies:

•    Heartbeat Gold health plan
•    Heartbeat Platinum health plan
•    Heartbeat Silver health plan

All the above plans cover you against unforeseen medical expenses along with a range of services to help you take care of your health like 24/7 health advice, maternity benefits, cashless facility across network hospitals, health check-ups and tax benefits among many others.

 

2.    ICICI Lombard Health Insurance offers following mediclaim policies:


•    Health Advantage Plus Policy: This covers basic hospitalization cover and OPD expenses. It also takes care of emergencies due to terrorist activities.
•    Family Floater Insurance: Enrolment age for the senior most member of the family for this policy is between 19 years to 60 years. The youngest health insured child must be 91 days old and accompanied by one adult member of the family. 
•    Personal Accident Insurance: It not only covers a patient for Permanent Total Disablement (PTD) and Accidental Death but also against terrorism.

 

3.    Max New York Life Health Insurance offers health policies such as:


•    LifeLine MediCashTMPlus: It which covers hospital cash benefit and both pre and post hospitalization benefits.
•    LifeLine WellnessTMPlus: It covers nearly 38 critical illnesses and offers tax benefits.
•    LifeLine Safety NetTMPlus: Under one plan it covers death, disease, accident and disability.
•    Max New York LifeLine Healthy FamilyTMPlus: It is one of the most comprehensive health insurance plan and takes care of both you and your family. It offers guaranteed renewability till the age of 75.

 

4.    Bajaj Allianz Health Insurance:

 

Bajaj Allianz Health Insurance company offers following policies:


•    Family Floater Health Guard: Eligibility to avail for Family Floater policy is that you must be between 18 yrs - 65 yrs. It can be renewed upto 80 years. Coverage for any pre-existing disease you have to be a policy holder for 4 years.
•    Star Package: Its benefits are in-house claim administration, covers everything from health to home. Income tax benefit on the premium paid as per section 80-D of Income Tax Act as per existing IT law.
•    Health Care: This policy offers life cover, surgical benefits, cashless hospitalization benefits, critical illness cover, post hospitalization benefit and Partial Disability and Accidental Permanent Total.
•    Others are Individual Health Guard, Extra Care, Health Ensure, Silver Health and Tax Gain.

 

5.    Oriental Health Insurance


You can choose from a range of health policies such as:

•    Swasthya Bima Policy
•    Health Insurance Scheme
•    Individual Mediclaim Policy
•    Group Mediclaim Policy
•    Comprehensive Health Insurance Scheme
•    Universal Health Insurance Scheme
•    Overseas Mediclaim
•    Daily Hospital Cash Allowance
•    Personal Accident and Life Hardship Survival


These plans cover both pre and post hospitalization expenses. This Insurance plana are also available on cashless hospitalisation basis. In this a patient can avail treatment in any of the network hospitals by showing their identification card.

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Comments
  • SUDHNSHU SHARAN SRIVASTAVA22 Mar 2013
    kindly contact to me any company to health insurance
  • Name16 Mar 2013
    Advice best option for family.
  • HARISH SHARMA08 Mar 2013
    i want a family health insurance policy of at least 2 Lacs.I am having corporate health insurance from employer.My family details are- 1)Harish Sharma-38 2)Reenu Sharma-30 3)Rudraksh-6 4)Madhup-3 pls Advice best plan in terms of cost, coverage,services as well as easyness of claims settlement. Pls mail me.
  • Dr R M VASAN03 Feb 2013
    I am a Pension holder having the age of 72,My Pension amount is 37000/- p.m.Is it possible to get a health insurance policy for me and my wife(63 yrs.)Pl. intimate.I shall be grateful to receive the information please.
  • pankaj05 Dec 2012
    for health insurance, undoubtedly i will sugest APOLLO MUNICH HEALTH INSURANCE, Because they are expertise in health insurance and THE BEST in CLAIM SETTLEMENT. products are awesome for eg optima restore- 50% bonus for claim free year. for more information contact 022- 24170240
  • SUNIL.N.MAGAJIKONDI22 Nov 2012
    DEAR SIR, I AM INTRESTED IN HEALTH CARE INSURENCE.CAN GUIDE ME BECAUSE I WANTTAKE LICENCE TO START MY BUSINESS
  • Atul21 Nov 2012
    i think Apollo Munich co. is the best company to go for.
  • Manish Kumar30 Oct 2012
    i want to a health insurance.
  • Manish Kumar30 Oct 2012
    I want to health insurance plan .can you suugeste me better plan for me?
  • Rishi Kulshrestha10 Oct 2012
    I want Health Insurance so plz. details are blow.
  • Rudra20 Sep 2012
    Can you please give updates on the new health policies of Max Bupa and ICICI Lombard? Will wait for your response. Thanks
  • Ranjeet Srivastava08 Sep 2012
    I think APOLLO Munich is also in this list
  • Prasanth11 Aug 2012
    but all these companies have bad reviews on mouthshut.com.. What is correct now ??
  • RAMANA REDDY21 Jun 2012
    WHAT ABOUT TTK
  • pankaj verma05 May 2012
    wat abt appollo munich health ins
  • Rahul 28 Apr 2012
    I think Star Health Insurance should be add this list bcoz star health deal only in health insurance..
  • ravindra shendge 23 Apr 2012
    what is the requirement to form a firm which deals with investigation & moderation of a file placed in insurance company. I stay in mumbai having knowledge regarding mediclaim was working with hospital in insurance department.
  • dhiraj06 Feb 2012
    HDFC ERGO also to be included in this list...Surprised why it is not considered...
  • nawal kishore09 Sep 2011
    i want health + wealth insurance plan in india first life.can you suugeste me better plan for me?