Health Insurance Companies

Every year, a list of top health insurance companies in India is declared. When buying health insurance from an insurer there are a few important features that help in evaluating their performance, including the Incurred Claim Ratio, Claim settlement ratio, network hospitals etc.

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      Which is the Best Health Insurance Company in India?

      Several health insurance companies in India offer a plethora of options when it comes to buying the best health insurance policy. They offer impressive health plans and services to cater to the needs of different people. They also offer the best deals on health insurance plans to their customers. However, it is not possible to figure out which is the best health insurance company in India as different people have different health needs and a single insurer cannot fulfil the needs of all the people.

      List of Best Health Insurance Companies in India

      With so many medical insurance companies in India, it can be confusing to compare them individually. We have listed some of the best health insurance providers in India below. You can check their incurred claim ratio and their number of network hospitals before selecting the best health insurance company. You should also compare the various health insurance companies based on coverage benefits and features before making a choice.

      Given below are some of the best health insurance providers in India and their Incurred Claim Ratio (ICR) as per the IRDAI Annual Report of 2022-2023:

       
      Health Insurance Companies Network Hospitals Incurred Claim Ratio (2022-2023)
      Aditya Birla Health Insurance 11000+ 64.68% View Plan
      Bajaj Allianz Health Insurance 18400+ 74.27% View Plan
      Care Health Insurance 22900+ 53.82% View Plan
      Cholamandalam MS Health Insurance 11000+ 67.88% View Plan
      Go Digit Health Insurance 16400+ 71.87% View Plan
      Future Generali Health Insurance 8000+ 79.18% View Plan
      HDFC ERGO Health Insurance 12000+ 79.04% View Plan
      IFFCO Tokio Health Insurance 7000+ 111.18% View Plan
      Kotak Mahindra Health Insurance 9000+ 56.01% View Plan
      Liberty Health Insurance 6000+ 74.17% View Plan
      Magma HDI Health Insurance 8400+ 72.10% View Plan
      ManipalCigna Health Insurance 8500+ 64.66% View Plan
      National Health Insurance 6000+ 102.35% View Plan
      New India Assurance Health Insurance 8000+ 103.33% View Plan
      Niva Bupa Health Insurance 10000+ 54.05% View Plan
      Oriental Health Insurance 3300+ 130.09% View Plan
      Raheja QBE Health Insurance 5000+ 138.67% View Plan
      Reliance Health Insurance 9100+ 86.31% View Plan
      Royal Sundaram Health Insurance 10000+ 83.36% View Plan
      SBI Health Insurance 16625+ 73.92% View Plan
      Star Health Insurance 14000+ 65.00% View Plan
      Tata AIG Health Insurance 10000+ 78.33% View Plan
      United India Health Insurance 14000+ 89.57% View Plan
      Universal Sompo Health Insurance 12000+ 82.84% View Plan
      Zuno (Formerly Edelweiss) Health Insurance 10000+ 89.59% View Plan
      See More Plans

      The above table was last updated on 27th February 2024
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

      ₹1000 Cr worth of claims assisted in 2022-2023
      How we helped our customers

      How to Choose the Best Health Insurance Company?

      Health insurance companies differ in their features and benefits. No insurance company can fit each person. It varies from one person to another as per their requirements and health goals. For example- 

      Mr X feels that a health insurance company should have a good network of hospitals, while Mr Y feels that the variety of health insurance plans should be given priority in selecting a health insurance company. 

      Check for the following parameters that make a health insurance company best for you:

      • Types of Health Insurance Plans: Some health insurers offer only basic health insurance plans like individual health insurance, family floater health etc. While some provide specific health plans for children, women, senior citizens, etc. Choose the insurance company that offers a policy as per your requirements.
      • Cashless Hospitals: Most insurance providers partner with a number of hospitals which it allows cashless treatment facilities. When selecting a health insurance company, it is important to know the strength of a cashless network hospital of the insurance provider. The better the network, the more comfortably you can file a cashless claim in the hospital.
      • Claim Settlement Ratio: CSR will tell you the number of health claims that an insurer settles against the total number of claims received during a fiscal year. A claim settlement ratio between 80%-90% is considered good.
      • Customer Support Service: Also check for good availability and quality of the customer support service provided by the insurer. Make sure that the health insurance company can provide round-the-clock customer support to address your concerns.
      • Claim Procedure: Your health insurance company must settle your claim smoothly. The whole process can get complicated and can be time taking especially at the time of need. Try to opt for a health insurance company that requires minimal TPA Intervention and paperwork. 
      • Insurer Reviews and Ratings: Nowadays, you can check your insurer’s reviews and ratings from the customer. You can check out reviews of different health insurance companies in India on Policybazaar.com. Look at their feedback and then make your decision. It is always better to do some research.

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      Best Health Insurance Companies in India: Key Features

      To give you a quick idea about different medical insurance companies in India, we have provided some of the highlights of the best health insurance companies including their network hospital, facilities and some key benefits offered by the insurers.

      • Aditya Birla Health Insurance

        Aditya Birla health insurance company is a subsidiary of Aditya Birla Capital Ltd. It was launched to simplify general insurance services for its customers. The company has a strong reputation with insurance providers across the globe such as in South-East Asia, the Middle East, and South Asia. 

        Listed below are the benefits and features of buying medical insurance from Aditya Birla health insurance company:

        • The insurance company offers cashless treatment in more than 8700 hospitals across 650 cities in India
        • The insurer offers access to more than 800 fitness centres, yoga, gyms, and more
        • The policyholders can also avail discounts on medicines across 2300 pharmacies in more than 250 cities
        • In-patient Ayush treatment cover is also provided as per the plan opted
        • The insurance company also provides access to fitness assessment centres, wellness centres, and diagnostic centres in addition to the hospitalization centres
      • Bajaj Allianz Health Insurance

        Bajaj Allianz General Insurance Company has some health products that are very beneficial for customers from a particular age group. It was also the first to provide captive TPA services with certain additional benefits. Below are some of the features of Bajaj Allianz Health Insurance plans:

        • One can select from 3 major health insurance products namely- Health Guard, Silver Health, and Star Package.
        • The insurer offers health coverage to individuals, families, as well as senior citizens
        • Bajaj Allianz's health insurance has designed specific health plans that cover life-threatening illnesses like strokes, tumours, cancer, etc.
        • Additionally, the insurer makes cashless claim settlement facilities available in more than 6500 hospitals
        • For international coverage, the insurer offers Global personal guard health plan
        • Moreover, the insurer is known to settle cashless claims within 60 minutes
      • Bharti AXA Health Insurance

        Commenced in August 2008, the company works in collaboration between Bharti Enterprises and AXA. Bharti AXA General Insurance owns 59 corporate offices in India. In the first year of operations, the company received ISO 9001:2008 certification, followed by an ISO 27001:2005. It is one of the most trusted and emerging insurance companies. Bharti AXA health insurance is known for its dedicated services, smooth customer relationships and hassle-free claim process. Below are some of the benefits of buying health plans from Bharti AXA Health Insurance:

        • In most of the Bharti AXA health plans, there is no requirement for co-payment
        • Certain plans provide unlimited hospital room rent
        • There is the flexibility to choose the plan and you can avail of comprehensive medical cover up to Rs. 1 Crore
        • Lifelong policy renewal facility is offered in all the Bharti AXA health insurance policies
      • Care Health Insurance 

        Care Health Insurance Limited has shown tremendous growth in a short period of time, thereby setting a benchmark in the insurance market of India. Here are some of the key features of Care Health Insurance plans:

        • There is a plan to meet everyone’s requirements namely- individual & family floater plan, health insurance plan for diabetes and hypertension, senior citizen plan, and top-up plans
        • The insurer offers cashless claim approval within 2-hours in most of the cases
        • Most of the plans offer annual-health check facility to the insured members
        • For pre-existing health ailments and annual cardiac check-ups, Care Health Care Heart plan is available
      • Cholamandalam MS Health Insurance

        Based on the T3 motto- ‘Trust, Technology and Transparency’ Cholamandalam GI Co. Ltd. was founded in the year 2001. The company has spread its business across the country and now it has 109 branches across the country. 

        In the year 2011, it was awarded the Financial Insights Innovation Award at the Asian Insurance Congress for its innovativeness. Cholamandalam health insurance offers health coverage with attractive features and benefits at an affordable cost. Cholamandalam medical insurance plans are undoubtedly a safe bet for the following reasons:

        • Cholamandalam health insurance company has more than 136 branches across India
        • Both critical illnesses as well as and the accidental cover is available (in selected health plans)
        • Most medical insurance plans cover pre-hospitalization expenses for 30 days and post-hospitalization expenses for 60 days
        • Some health plans also offer annual health check-up facilities
        • The insurer provides one of the most extensive family health plans, individual health plans, top-up plans, and critical illness insurance plans
      • Digit Health Insurance

        Go Digit General Insurance Limited is headed by Mr Kamesh Goyal, CEO. In the last year only, the insurer has issued more than 10 lakh policies. The company also has a record of settling 87% of the claims in just one day. The insurance provider has also been felicitated with Asia’s General Insurance Company of the Year Award 2019. Let’s check out what makes Digit Health Insurance a suitable choice:

        • The sum assured options range from as low as Rs. 1 lakh to Rs. 3 crores
        • The insured can avail of cashless hospitalization cover in close to 6400 hospitals PAN India
        • Digit health insurance plans are online and digital-friendly and can be purchased without much paperwork
        • Moreover, there are no sub-limits on the hospital room rents
      • Zuno (Formerly Edelweiss) Health Insurance

        Zuno (Formerly Edelweiss) General Insurance is one of the most popular insurance providers in India and is trusted by millions of customers for its legacy bestowed by the Zuno (Formerly Edelweiss) Group. The insurance provider has been recognized with numerous awards such as the SAP Process Innovation Awards. Here are some of the advantages that the policyholder can avail on the purchase of Zuno (Formerly Edelweiss) health insurance plans:

        • Zuno (Formerly Edelweiss) health insurance policies are designed to cover in-patient, pre and post-hospitalization expenses, critical illnesses, accidents, diseases, etc.
        • The insurer offers SI ranging from 1 lakh to 5 crores.
        • The insurer also facilitates with zero deposit and guaranteed bed to the policyholder
        • 14 medical procedures such as maternity, gall bladder removal, cataract, etc, have zero discharge time across most of the hospitals
      • Future Generali Health Insurance

        Future Generali India Insurance Company Limited is a joint enterprise between the Future Group of Industries and the Generali Group. Future Generali health insurance plans are tailor-made to meet the requirements of different kinds of medical insurance seekers. Below are some of the benefits of buying Future Generali health plans:

        • There are different kinds of Future Generali medical insurance policies to cater to the needs of a wide range of customers i.e. Personal Accident plans, Critical illness policies, Hospital cash, Arogya Sanjeevani policy, mosquito insurance, Mediclaim insurance, Top-up plans, Senior Citizen insurance, etc.
        • The insurer provides cashless hospitalization in more than 5100 hospitals PAN India
        • Most of the health plans come with a lifelong renewability option
        • To ensure convenience to the policyholders the insurer provides cashless hospitalization in approval in merely 90 minutes
        • Additionally, the insured members can have easy access to the policy details with the Future Generali mobile app
      • IFFCO Tokio Health Insurance

        IFFCO-Tokio General Insurance began its operations on December 4th, 2000 in collaboration among the Indian Farmers Fertilizer Co-operative (IFFCO), Nichido Fire Group and a popular Japanese insurance group - Tokio Marine.

        The company’s incurred claim settlement ratio in the fiscal year 2020-2021 was 99.49%. Incurred Claim Ratio is the ratio of the total claims settled by the insurance company to the total amount of premium collected in that particular year. Here are some of the reasons to buy IFFCO Tokio health insurance:

        • With IFFCO Tokio health insurance plans you can provide healthcare treatment to your family in case of any sudden illness, disease or injuries, which may require hospitalization, medical or surgical treatment, organ transplantation
        • IFFCO Tokio health insurance plan compensates expenses incurred on chemotherapy, pacemaker, organ transplant, radiotherapy, dialysis, surgical appliances, blood, oxygen, operation theatre, medicines, drugs etc.
        • The health insurance company caters to the rural population as well
        • This company has the technical know-how to provide its customers timely and hassle-free claim settlement experience in a quick and efficient manner
        • It also offers additional cover on critical illnesses by paying some extra premium on an existing health insurance policy
      • Kotak Mahindra Health Insurance

        Kotak Mahindra General Insurance Company was formed as a subsidiary of the Kotak Mahindra Bank to serve the general insurance sector including health insurance and other domains. The insurer operates with more than 13 branches in PAN India. Customers can pick from a range of customised medical policies offered by Kotak Mahindra Health Insurance with the following features and benefits:

        • Kotak health plans can be selected to cover basic emergency hospitalization and life-threatening illnesses like a benign tumours, end-stage liver diseases, coma, loss of speech, etc. as well
        • The plans cover heart attack, cancer, organ transplants and personal accidents
        • Kotak secure shield plan also provides loss of job benefits to the insured members along with child education benefits
        • Some special coverage benefits in the policies include- Air ambulance cover, home nursing, compassionate visit, maternity cover, and new-born baby cover, among other benefits

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

      • Liberty Health Insurance

        Liberty General Insurance Limited started its operations in the year 2013. It is a collaboration among Liberty Mutual Insurance Group, DP Jindal Group, Liberty City state holdings PTE Ltd. and Enam Securities. The insurer is present in more than 23 states PAN India with over 5000 network hospitals. Some of the benefits of buying Liberty health insurance plans are given below:

        • The insurer offers Unique Loyalty Perk Benefits and the sum assured increases by 10% to 100% for every claim-free year
        • The policyholder also gets a free-look period of 15 days to cancel the policy post-purchase
        • The health plans are designed to offer wider health protection coverage, and higher sum assured options
        • One of the unique features include preventive care facilities such as first medical opinion, Live health talk, etc.
      • Niva Bupa Health Insurance 

        With an ICR of 56.09% for the fiscal year 2020-2021, Niva Bupa Health Insurance Company Limited is a standalone health insurance company in India. This company offers its health insurance policies to individuals from all age groups. Below are some of the benefits offered by Niva Bupa Health Insurance:

        • Niva Bupa health plans offer cashless hospitalisation pan India across +7600 network hospitals
        • The insurer also provides cashless claim authorization within 30-minutes
        • There is a provision to cover life-threatening illnesses under the Niva Bupa Criticare health insurance plan
      • ManipalCigna Health Insurance

        Manipal Cigna Health Insurance Company is comparatively a new player in the Indian insurance market, as it was launched in 2014. Its Incurred Claim Ratio for the fiscal year 2020-2021 is 61.13%. Below are some of the features of Manipal Cigna health insurance plans:

        • One can select from a few health plans including top-up health plans, critical illness plans, accidental care, lifestyle plan, etc.
        • Sum insured for various plans ranges from Rs. 0.25 lakh - up to 10 crores.
        • Most of health plans are customizable to meet customer’s needs and preferences
        • The insurer also offers one of the most comprehensive critical illness plans covering nearly 30 major illnesses
        • In almost every medical plan the insurer provides 100% sum restoration of the sum insured
        • The insured can easily track health insurance claims online
      • National Health Insurance

        National Insurance Company Ltd. is a full government entity, which has been serving its customers for more than a century and provides health insurance coverage. Below are some of the benefits of buying National Health Insurance plans:

        • National Insurance Company has more than 6000 hospitals offering cashless treatment
        • Most health plans cover the cost of treatment for 30 days before hospitalization and 60 days after hospitalization respectively
        • Some health plans also offer free health check-up benefits up to 1% of the Sum Insured on completion of 4 claim-free years
        • The company offers one of the most extensive family health plans i.e. Parivar Mediclaim policy that offers coverage for up to 6 family members under a single plan

        National General Insurance Company offers Varishtha Mediclaim which covers senior citizens.

      • New India Assurance Health Insurance

        New India Assurance is a fully government-owned entity of India, which has been in operation since 1919. This company is well-known for its Mediclaim policy. The feature offered under this health insurance policy is that it provides different ratings for major metros. Below are some of the features of New India Assurance health insurance:

        • New India Assurance offers a comprehensive health insurance plan for families offering protection to themselves, spouse and two dependent children
        • The insurer offers one cancer coverage plan i.e. New India Cancer Guard Policy
        • The company also offers New India Pravasi Bhartiya Beema Yojana for emigrants with ECR or ECNR
      • Oriental Health Insurance

        Oriental general insurance is also a government-owned general insurance company that offers a wide range of health insurance products in India. The impressive part of Oriental health insurance is that it doesn’t require a pre-policy medical test up to the age of 55 years. Below are some of the benefits of buying Oriental health plans:

        • The insurer’s Incurred Claim Ratio stood at 92.97% for the fiscal year 2020-21.
        • Oriental Health Insurance company offers both family floater and individual health insurance plans
        • Most health insurance policies can be customized as per the customer’s needs.
        • Moreover, the insurer has tie-ups with more than 4300 network hospitals where the insured members can avail of cashless treatment
      • Reliance Health Insurance

        Reliance General Insurance Co. Ltd. is one of the most renowned insurers in India. The insurer has 139 offices across India offering seamless services to its customers. They are also present abroad. The provider has a huge customer base including individuals, corporates and SMEs. With online purchase and renewal services, they are Reliance health insurance plans are very accessible.

        • The insurer offers the flexibility to pay the premium online through your debit card, credit card, net banking, etc. at your convenience
        • Reliance health insurance offers restoration upon exhaustion of the base sum Insured
        • Also, pre-existing diseases are covered after a waiting period of 4 years
        • Health check-up expenses are reimbursed on completion of 4 claim-free years in most of the Reliance health insurance plans
      • Raheja QBE Health Insurance

        Provided by Raheja QBE General Insurance Company Limited, this general insurance company was established to provide insurance services to its partners and consumers in the most seamless manner. Some of the features and benefits of Raheja QBE health insurance are given below:

        • The insurance company offers a wide range of health policies such as basic health plan, comprehensive health insurance plan, A-La-Carte plan to include add-ons, super saver medical plans, etc.
        • One of the unique features of Rajeha QBE health insurance plans is you get a 10% sum insured increase if you avail of cashless treatment in a network hospital
        • Raheja QBE health insurance plans also offer no-claim bonus benefits and domiciliary hospitalization cover
        • The sum insured limit in all the health insurance plans ranges from Rs. 1,00,000 to Rs. 50,00,000
      • Royal Sundaram Health Insurance

        Royal Sundaram General Insurance Co. Ltd. company has been felicitated with many awards for its efficient claim management services. It offers comprehensive insurance plans with innovative features and solutions. Take a look at some key features of Royal Sundaram health insurance plans:

        • Royal Sundaram Lifeline Elite also offers worldwide emergency hospitalization expenses 
        • Royal Sundaram lifeline supreme plan also offers a second opinion for 11 major critical illnesses
        • The policyholder can avail of no-claim bonus (NCB) benefits between 10-50% of the sum assured. It is not reduced if a claim is filed in a particular year
        • 100% restoration of the sum insured and No-claim discount if the coverage amount is exhausted during the treatment of different diseases 
        • Domiciliary hospitalization and maternity coverage, are also provided in most of the plans
      • Star Health Insurance

        Star Health & Allied Insurance Company offers some of the most comprehensive medical plans for you and your family. The coverage can be as high as 2 crores. Below are some of the coverage benefits offered by Star Health insurance plans:

        • The company has an in-house claim settlement procedure to deal with cashless hospitalization facilities.
        • Star health insurance also offers a range of products covering Diabetes and HIV+ patients.
        • Star health insurance has more than 13,000 hospitals where the insured can avail of cashless medical treatment
        • The best part is that most of the Star health plans come with a lifetime renewability option
        • The insurer also provides top-up health insurance plan that can be customized as per the insured’s needs
      • SBI Health Insurance

        SBI Health Insurance Co. Ltd is a joint venture between the State Bank of India (SBI) and Insurance Australia Group. SBI holds a 74% stake while a 26% stake is held by Insurance Australia Group. SBI General Insurance has 139 branches across India. The company also reported a 50% increase in health insurance GWP in the fiscal year 2021-2022.

        Here are some of the key features of SBI Health Insurance Plans:

        • One can choose the amount of sum assured between Rs. 50,000 and Rs. 1 crore
        • Applicants with a clean medical record do not require medical screening up to the age of 45 years
        • Most health insurance plans cover pre and post-hospitalization expenses including nursing expenses
        • Moreover, one can easily renew SBI health insurance plans online
      • Tata AIG Health Insurance

        Tata AIG General Insurance Company Ltd. works in collaboration between the American International Group and the TATA Group. The insurer commenced its operation in the year 2001. Since then it has earned a popular name in the Indian insurance industry. Tata AIG has tie-ups with over 7200 hospitals for cashless treatment across India. Tata AIG health insurance plans come with the following range of benefits-

        • The insurer offers customized health plans for individuals, families, senior citizens, critical illnesses, and medical emergencies
        • The insurer offers lifelong renewability and the new premium will be decided based on the revised age without any loading if no claim has been filed
        • Tata AIG medical policies also recompense medical treatment taken at home if required as part of the treatment
        • The plans are also designed to compensate for the cost of Homeopathy, Siddha, Unani, and Ayurveda treatment
      • United India Health Insurance

        United India Insurance Co. Ltd. is a merger of several Indian insurance companies and is one of the oldest general insurance companies in India. Dating back to 1938, it is headquartered in Chennai. The insurer offers affordable and personalized health plans to its customers. Furthermore, United India Insurance Company Ltd. has got ICRA accreditation for high solvency margin ratio and claim paying ability. Check out the benefits offered by United India health insurance policies:

        • United India offers Health Insurance offers cashless medical treatment in more than 7000 hospitals across India
        • The policyholders can avail of free medical check-ups after completion of 3-consecutive claim-free years
        • The insurer offers a 5% of family discount on the premium paid for self, spouse and dependent children under one plan
        • 15 days of free look period is provided from the date of policy inception to analyse the policy benefits and to decide whether to continue it or not
        • Also, the premium paid can be availed for tax exemption benefits by the policyholder for both the individual and family plan
      • Universal Sompo Health Insurance

        Universal Sompo General Insurance Company was established in 2007 as a public-private undertaking. It is a collaboration among Dabur Investment Corporation, Sompo Japan, and Karnataka Bank, Allahabad. Some of the salient features of Universal Sompo health insurance are listed below-

        • The Insurer offers diversified plans available for families, individuals, groups, students, SMEs, NGOs, and the likewise
        • The company also offers cashless hospitalization in more than 5000 hospitals across India
        • Almost all medical insurance plans offer lifetime renewability to the insured members
        • Moreover, Universal Sompo health insurance also offers special Mediclaim plans for people working abroad/rural people/groups

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

      Hope this article has shared with you useful information regarding the health insurance companies in India. You can select a health plan from a wide range of products offered by these Indian general insurance companies. These insurance companies are well known for their individual, family floater and specific plans. Don’t forget to compare different insurance plans online to find the best insurance policy.

      Health Insurance Companies in India: FAQs

      • Q1. Does any health insurance company cover insulin expenses in India?

        Ans: Some of health insurance companies provide diabetes health plans. Star Health diabetes safe insurance plan, National Varishtha Mediclaim plan, etc. are some of the insurers that can cover insulin expenses. You can check others well.
      • Q2. Can I port my health insurance policy to another company?

        Ans: You can change your health insurance policy from one insurer to another insurer of your preference without losing the benefits accumulated. As per IRDA, you have the right to port your health insurance policy to another health insurance company.
      • Q3. Does any health insurance company offer dental cover?

        Ans: Some health insurance companies provide dental treatment coverage. Bajaj Health Guard insurance plan, Cholamandalam Healthline insurance plan, Star comprehensive health insurance, etc. are some of the insurers that can cover dental expenses. You can check others well.
      • Q4. Does any health insurance company cover cancer treatment expenses?

        Ans: A lot of health insurance companies provide cancer treatment coverage. Future Generali Cancer Protect Plan, Bajaj Allianz Critical Illness Insurance, Aditya Birla Activ Secure- Cancer Secure, Digit Cancer Health Insurance, Chola MS Critical Healthline Plan, Zuno (Formerly Edelweiss) Platinum plan, Raheja Cancer Insurance, Care Health Cancer Insurance Policy, Star Cancer Care Gold Insurance Plan, etc. Are some of the insurers that offer cancer insurance in India. There are many others that you can check and compare on Policybazaar.com before purchasing.
      • Q5. Is there any health insurance company that covers kidney transplantation or kidney failure treatment cost?

        Ans: Kidney transplantation or failure is a critical illness and therefore it is covered under a critical illness health insurance policy. Bajaj Allianz health insurance covers kidney filature costs in Bajaj Allianz Critical Illness Insurance policy, also covers it. Also, the national critical illness medical insurance plan, SBI critical illness plan, Tata AIG Health Insurance, and Universal Sompo critical illness policy cover it.
      • Q6. Are OPD expenses covered by medical insurance companies in India?

        Ans: Yes, many health insurance companies in India cover OPD expenses. Generally, only hospitalisation or IPD expenses are covered by most health insurance providers but other benefits are also provided depending on the policy purchased. You can find plans covering daycare procedures, ambulance charges, domiciliary treatment and many more.
      • Q7. How can I be assured about a health insurance company's reputation?

        Ans: As of now, there are 30 general insurance companies (non-life) in India providing health insurance plans according to the official IRDAI website.
      • Q8. How can I be assured about a health insurance company's reputation?

        Ans: Firstly, make sure the health insurance company you have selected is approved by the IRDAI. You can also find necessary details like the ICR, claim settlement ratio etc., on the official website or go through the annual reports.
      • Q9. Is cashless hospitalisation provided by all health insurance companies in India?

        Ans: Most medical insurance companies in India offer the facility of cashless hospitalisation at their network hospitals. However, it is best to confirm this before buying any specific plan.
      • Q10. How do I choose the best Health Insurance Company?

        Ans: To pick the best health insurance company for your health plan, it's important to find a plan with good coverage under your budget. You should also check about the company's reputation, the number of network hospitals, and the range of options it offers. You must confirm that the company has a high CSR (Claim settlement ratio) and doesn't take a lot of time in settling claims. You should also read the fine print and company policies so that you're aware of the benefits offered.
      • Q11. Are there any public insurance companies in India offering health insurance?

        Ans: Yes. There are 4 public health insurance companies in India offering different kinds of health plans. These are: The New India Assurance Co. Ltd., Oriental Insurance Co. Ltd., National Insurance Co. Ltd., and United India Insurance Co. Ltd.
      • Q12. Is CSR a good way to select the best health insurance company for your health plan?

        Ans: Yes, CSR is an important way to know about the reputation of a health insurance company in India. However, CSR shouldn't alone be the deciding factor. Other important factors like the number of network hospitals, cashless hospitalisation, ICR, time taken to settle claims, etc. should also be considered. If you have any confusion regarding policy comparison, don’t forget to check health plans on Policybazaar.com before deciding.
      • Q13. In case of an emergency, how can I contact my health insurance company?

        Ans: Your purchased health insurance plan will have several ways of contacting the health insurance company you have purchased from. You can save the customer service number, their email ID or a designated mobile app if available. You can also visit an offline centre closest to you.
      • Q14. Are there any standalone health insurance companies in India?

        Ans: Yes, as of now there are 5 standalone health insurance companies in India offering a variety of plans. These are Niva Bupa Health Insurance Co. Ltd., Care Health Insurance Limited, Star Health and Allied Insurance Co. Ltd., Manipal Cigna Health Insurance Co. Ltd., and Aditya Birla Health Insurance Co. Ltd.
      • Q15. Will the health insurance company provide cashless settlement if I go to a non-network hospital?

        Ans: No. Cashless hospitalisation or settlement is only offered at network hospitals. You will be however compensated for the incurred expenses as per your policy terms later.
      Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.

      ##On ground claim assistance is available in 114 cities

      ~No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

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