Health Insurance Companies

Health insurance companies offer a wide range of medical insurance plans to individuals, families, senior citizens, women and parents. With 25+ health insurance providers in India, you have the flexibility to choose an insurer with the best coverage and benefits. However, you can select the best health insurance company by evaluating their performance based on their Incurred Claim Ratio (ICR), Claim Settlement Ratio (CSR), premiums, etc.

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      Why Should You Compare Health Insurance Companies in India?

      Comparing different health insurance companies can help you find the best insurer for you. This is because not all health insurers in India are the same and do not offer the same level of coverage, services, and benefits at the same premium. By comparing various insurance companies, you can evaluate their coverage, services and premiums and find the insurer that adequately fulfils your health needs at the most affordable premium.

      Which is the Best Health Insurance Company in India?

      The best health insurance company in India offers impressive health plans and services at competitive prices. It provides a variety of medical coverage to cater to the health needs of different people, including families, senior citizens, women, and parents. It also offers the best deals on health insurance plans along with attractive benefits, such as unlimited restoration of the sum insured, annual health check-ups, consumables cover, etc.

      However, the best health insurance company for one person may not be the best for another person in India. This is because different people have different health needs, and a single insurer cannot fulfil the needs of all the people. Hence, you should compare various health insurance companies based on their coverage benefits, premiums and features before making a choice.

      Best Health Insurance Companies in India

      Take a look at the best health insurance companies in India along with their Incurred Claim Ratio (ICR) as per the Insurance Regulatory & Development Authority of India (IRDAI) Annual Report of 2022-2023:

      Health Insurance Companies Incurred Claim Ratio
      (2022-2023)
      Aditya Birla Health Insurance Company Limited 64.68% View Plan
      Bajaj Allianz General Insurance Company Limited 74.27% View Plan
      Care Health Insurance Limited 53.82% View Plan
      Cholamandalam MS General Insurance Company Limited 67.88% View Plan
      Future Generali India Insurance Company Limited 79.18% View Plan
      Go Digit General Insurance Limited 71.87% View Plan
      HDFC ERGO General Insurance Company Limited 79.04% View Plan
      ICICI Lombard General Insurance Company Limited 77.33% View Plan
      IFFCO Tokio General Insurance Company Limited 111.18% View Plan
      Liberty General Insurance Limited 74.17% View Plan
      Magma HDI General Insurance Company Limited 72.10% View Plan
      ManipalCigna Health Insurance Company Limited 64.66% View Plan
      National Insurance Company Limited 102.35% View Plan
      New India Assurance Company Limited 103.33% View Plan
      Niva Bupa Health Insurance Company Limited 54.05% View Plan
      Raheja QBE General Insurance Company Limited 138.67% View Plan
      Reliance General Insurance Company Limited 86.31% View Plan
      Royal Sundaram General Insurance Company Limited 83.36% View Plan
      SBI General Insurance Company Limited 73.92% View Plan
      Star Health & Allied Insurance Company Limited 65.00% View Plan
      Tata AIG General Insurance Company Limited 78.33% View Plan
      The Oriental Insurance Company Limited 130.09% View Plan
      United India Insurance Company Limited 89.57% View Plan
      Universal Sompo General Insurance Company Limited 82.84% View Plan
      Zuno (Formerly Edelweiss) General Insurance Company Limited 89.59% View Plan
      Zurich Kotak General Insurance Company (India) Limited 56.01% View Plan
      View More Plans

      *The above table was last updated on 11th October 2024

      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

      Factors to Consider Before Choosing a Health Insurance Company

      Take a look at the factors that you must consider before choosing a health insurance company in India:

      1. Claim Settlement Ratio

        You must check the Claim Settlement Ratio (CSR) of a medical insurance company before choosing an insurer. CSR refers to the percentage of claims paid by a health insurance company compared to the total number of claims received in a financial year. The CSR can help you determine how reliable a health insurer is and how likely it is to settle your claims in future. A health insurer with a high CSR of 80% or above is considered reliable.

      2. Variety of Health Insurance Plans

        The variety of mediclaim policies offered by an insurer should be considered while selecting a health insurance company. Several health insurers today offer customized plans for different people, including senior citizen health insurance and parents health insurance. Moreover, some insurers also offer disease-specific plans, such as health insurance for diabetes, dengue health insurance, etc. Checking the plans' portfolio beforehand enables you to select a plan best fulfils your health needs.

      3. Customer Reviews

        Customer reviews are another important factor that you must check before finalizing a health insurer. This is because they can provide valuable insights about the services offered by the insurance company. You can find out about the actual reputation of the company and the problems other customers face during claims.

      4. Solvency Ratio

        The solvency ratio of a health insurance company should also be checked before choosing an insurer. The solvency ratio can help you analyse the financial health of the insurer and determine if it can fulfil its financial liabilities in the future. As per IRDAI, the best health insurance companies should have a solvency ratio of at least 1.5.

      5. Claim Process

        You must also check the claim process of a health insurer before selecting an insurance company. It is always better to opt for an insurer with an easy claim process and settles your claim quickly. Several insurers today approve cashless claims in a couple of hours. The simpler is the claim process, the easier it will be for you to raise a claim successfully.

      ₹1000 Cr worth of claims assisted in 2022-2023
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      Benefits of Choosing the Best Health Insurance Company

      Here are the key benefits of buying a mediclaim policy from the best health insurance company in India:

      • Variety of Health Plans - It offers a variety of medical insurance plans for you to choose from, including customized plans for senior citizens and women.
      • Wide Range of Sum Insured - It provides a wide range of sum insured, allowing you to select a coverage amount that fits your health needs and budget.
      • Comprehensive Coverage - It offers comprehensive medical coverage for hospitalization and OPD expenses along with attractive benefits, such as consumables cover, unlimited restoration of the sum insured, etc.
      • Disease-specific Plans - It allows you to buy plans specific to a disease, like critical illness insurance, health insurance for high blood pressure, etc.
      • Renewal Benefits - It offers various renewal benefits, including cumulative bonus, preventive health check-up benefits, etc.
      • Round-the-Clock Assistance - It comes with a 24x7 customer support team, which is available for assistance anytime, anywhere.
      • Easy & Quick Claim Process - It comes with an easy claim process and ensures a faster settlement of claims.
      • Effective Grievance Redressal System - It has a well-established grievance redressal system that handles all your complaints.

      How to Choose the Best Health Insurance Company?

      Health insurance companies differ in their features and benefits. Besides, no single insurance company is the best for everyone as the health requirements of one person may vary from another. However, you can choose the best health insurance company for yourself by following the steps given below:

      1. Right Type of Health Insurance Plan

        Some health insurers offer plans with only basic coverage, like individual health insurance, family floater health insurance, etc. Others provide specific health plans for women, senior citizens, critical illness, diabetes, COVID-19, etc. However, you must choose the insurance company that offers a policy that fits your health requirements like a glove.

      2. Higher Claim Settlement Ratio

        CSR or Claim Settlement Ratio tells you the number of health claims an insurer settles against the total number of claims received during a fiscal year. To pick the best health insurance company, opt for an insurer with a claim settlement ratio of 80% or above.

      3. Comprehensive Coverage at Affordable Premiums

        The premium charged by an insurer to provide your desired medical coverage is also essential while choosing the best insurance company. Always go for an insurer that offers comprehensive coverage at an affordable premium.

      4. 24x7 Customer Support Service

        The availability and quality of customer support service also matter while selecting the best health insurer. Make sure to choose an insurance company that provides round-the-clock customer support to address your concerns.

      5. Easy Claim Procedure

        A health insurance company with an easy claim process should be preferred. This is because an insurer with a complicated claim process can take time to settle your claims, especially at the time of need. Therefore, try to opt for an insurance company that requires minimal TPA Intervention and paperwork.

      6. Positive Insurer Reviews and Ratings

        Always choose a health insure with positive reviews and ratings from its existing customers. You can check out reviews of different health insurance companies in India on Policybazaar.com.

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      How to Identify the Top 10 Health Insurance Companies in India?

      Here are some of the ways to identify the top 10 health insurance companies in India:

      1. Claim Settlement Ratio - Look for insurers that have consistently managed a high CSR of at least 90% over the last few years.
      2. Product Portfolio - Go for insurance companies with a varied product portfolio catering to the health needs of different people, including families, senior citizens, senior citizens, etc.
      3. Product Pricing - Check out the product pricing of various insurers to find those that offer health insurance policies at pocket-friendly prices.
      4. Co-payments & Sub-limits - Opt for insurers that mainly do not impose co-payments and sub-limits.
      5. Customer Services - Look for medical insurance companies that offer round-the-clock customer and claim assistance.
      6. Customer Reviews & Ratings - Go through the customer reviews and ratings of different insurers to identify which ones have higher customer satisfaction.
      7. Claim Settlement Process - Opt for health insurers with an easy and efficient claim settlement process that settles their customer's claims quickly.
      8. Rewards and Recognitions - Check out the rewards and recognitions awarded to insurance companies to find the ones that provide top-notch service quality and maintain industry standards.
      9. Online Comparison - Compare various health insurance companies online on Policybazaar.com to identify the top-rated ones.
      10. Expert Opinions - Get in touch with insurance experts on Policybazaar.com to find the top health insurers in India.

      How to Compare Health Insurance Companies in India?

      You can compare various health insurance companies in India by:

      • Checking the list of plans offered by the insurers
      • Evaluating the coverage offered by various plans, OPD cover, home treatment, etc.
      • Going through the policy benefits, such as wellness benefits, annual health check-ups, etc.
      • Evaluating the premiums charged by the insurers
      • Finding the CSR of the insurers
      • Checking mandatory co-payments and sub-limits imposed by the insurers
      • Going through the claim settlement process of the insurers
      • Reading customer reviews on various insurers

      List of Health Insurance Companies in India

      Check out the list of all IRDAI-approved health insurance companies in India:

      • Aditya Birla Health Insurance Company Limited

        Aditya Birla Health Insurance Company Limited is a collaboration between Aditya Birla Group and MMI Holdings of South Africa. Listed below are the features and benefits of buying medical insurance from Aditya Birla Health Insurance Company Limited:

        • It offers customized medical health insurance plans for critical illnesses, cancer, etc.
        • In-patient treatment, OPD treatment, AYUSH treatment and home treatments are covered.
        • Annual health check-ups and recovery benefits are available.
        • Pre-existing diabetes, high cholesterol, high blood pressure and asthma are covered from day 1.
        • It provides Health Returns discounts of up to 100% under its plans.
        • It has a dedicated team of Care Managers that assist policyholders during claims.
      • Bajaj Allianz General Insurance Company Limited

        Bajaj Allianz General Insurance Company Limited offers a variety of health insurance products, including plans catering to the needs of customers from a particular age group, such as senior citizens, women, etc. 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:

        • The insurer offers health coverage to individuals, families, as well as senior citizens.
        • Hospitalization expenses, maternity expenses, OPD expenses and consumables expenses are covered.
        • Preventive health check-ups and cumulative bonus are also available.
        • It offers specific health plans that cover life-threatening illnesses, like strokes, tumours, cancer, etc.
        • For international coverage, the insurer offers the Global Health Care plan.
        • Most plans do not require pre-policy medical check-ups for up to 45 years.
        • The insurer's in-house Health Administration Team (HAT) is known to settle cashless claims within 60 minutes.
      • Care Health Insurance Limited

        Care Health Insurance Limited provides plans to meet everyone's health requirements, including individual& family floater plans, health insurance plans for diabetes and hypertension, senior citizen plans, and top-up plans. Here are some of the key features of Care Health Insurance plans:

        • In-patient hospitalization, unlimited e-consultations and domiciliary hospitalization are covered.
        • Instant cover under Care Supreme will cover pre-existing asthma, diabetes, hyperlipidemia and hypertension from day 1.
        • Most of the plans offer preventive health check facilities to the insured.
        • Unlimited restoration of the sum insured and no claim bonus are available.
        • For pre-existing health ailments and annual cardiac check-ups, the Care Heart plan is available.
        • Wellness discounts of up to 30% are available.
        • The insurer ensures cashless claim approval within 2 hours.
      • Cholamandalam MS General Insurance Company Limited

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

        • The insurer provides a diverse range of products, including individual health plans, top-up plans, and critical illness insurance plans.
        • Hospitalization expenses, home treatment, AYUSH treatment and maternity expenses are covered.
        • Global hospitalization, bariatric surgery and consumables cover are available.
        • Most plans cover pre-hospitalization expenses for up to 30 days and post-hospitalization expenses for up to 60 days.
        • Some health plans also offer annual health check-up facilities.
        • Both critical illnesses as well as and accidental cover are available (in selected health plans)
        • A health week discount of up to 10% are available.
      • Future Generali India Insurance Company Limited

        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 these health plans:

        • The insurer offers different kinds of medical insurance policies to cater to the needs of a wide range of customers, including personal accident, critical illness insurance, hospital cash insurance, top-up insurance, and senior citizen insurance plans.
        • Day care treatments, hospitalization expenses and modern treatments are covered
        • Cumulative bonus and preventive health check-ups are available
        • It offers a family floater discount of up to 60%.
        • The insurer provides cashless hospitalization approval in merely 90 minutes.
        • The policyholder can easily access their policy details with the Future Generali mobile app.
      • Go Digit General Insurance Limited

        Go Digit General Insurance Limited offers a diversified range of medical insurance plans for individuals and families in India. The company has a record of settling 87% of the claims in just one day. It has also been felicitated with Asia's General Insurance Company of the Year award in 2019. Check out what makes Digit Health Insurance plans a suitable choice:

        • Coverage for domiciliary treatment, in-patient care and OPD expenses are available.
        • Maternity benefit, worldwide cover and health check-up benefit are also available.
        • Digit health insurance plans are available online and can be purchased without much paperwork.
        • 10% city discount and 5% loyalty discount are available.
      • HDFC ERGO General Insurance Company Limited

        HDFC ERGO General Insurance Company Limited provides a variety of medical insurance plans for individuals, senior citizens, families and women. Take a look at the key benefits of buying HDFC ERGO health insurance plans:

        • Customized plans for critical illnesses, diabetes, cancer, hypertension, dengue, etc. are available.
        • Hospitalization expenses, home healthcare, alternative treatments and OPD treatments are covered.
        • Consumables cover, preventive health check-ups and recovery benefit are available.
        • Up to 50% family discount is available.
        • The company settles all cashless claims within 2 hours.
      • ICICI Lombard General Insurance Company Limited

        ICICI Lombard General Insurance Company Limited has a wide range of health insurance plans in its product portfolio. Check out some of the reasons why buying ICICI Lombard health insurance plans is a great idea:

        • The insurer provides specific health plans for senior citizens, families, critical illnesses, etc.
        • In-patient treatment, home care treatments, maternity expenses and OPD treatments are covered.
        • Preventive health check-ups, convalescence benefit and reset benefit are available.
        • Up to 30% wellness discount is available.
        • The customer support team is available 24x7 for assistance.
      • IFFCO Tokio General Insurance Company Limited

        IFFCO-Tokio General Insurance Company Limited began its operations on December 4, 2000 in collaboration among the Indian Farmers Fertilizer Co-operative (IFFCO) and a popular Japanese insurance group - Tokio Marine. Here are some of the reasons to buy IFFCO Tokio health insurance plans:

        • It provides coverage for any sudden illness, disease or injuries, which may require hospitalization, medical or surgical treatment, organ transplantation, etc.
        • It compensates expenses incurred on chemotherapy, pacemaker, radiotherapy, dialysis, surgical appliances, blood, oxygen, operation theatre, medicines, etc.
        • Up to 12.5% wellness discount is available.
        • The company has the technical know-how to provide its customers timely and hassle-free claim settlement experience in a quick and efficient manner.
        • It settles all cashless claims within 24 hours.
        • It also offers critical illness add-on cover on payment of some extra premium.
      • Liberty General Insurance Limited

        Liberty General Insurance Limited started its operations in 2013. It is a collaboration between DP Jindal Group, Liberty City State Holdings PTE Ltd. and Enam Securities. Some of the benefits of buying Liberty health insurance plans are given below:

        • The health plans are designed to offer wider health protection coverage with high sum insured options.
        • Hospitalization expenses, worldwide cover, AYUSH treatment and ambulance charges are covered
        • Some unique benefits include preventive care facilities, daily cash allowance, second medical opinion, etc.
        • A wellness discount of 10% is available.
        • The policyholder also gets a free-look period of 15 days to cancel the policy post-purchase
      • ManipalCigna Health Insurance Company Limited

        ManipalCigna Health Insurance Company Limited was launched in 2014 as a collaboration between India's Manipal Group and USA's Cigna Corporation. Below are some of the features of ManipalCigna health insurance plans:

        • It offers a wide range of health plans, including a top-up health plan, critical illness plan, accidental care plan, lifestyle protection plan, etc.
        • Most health plans are customizable to meet customer's needs and preferences.
        • The insurer also offers a critical illness plan covering nearly 30 major illnesses.
        • In-patient treatment, maternity expenses, OPD expenses and day care procedures are covered.
        • Switch off benefit, premium waiver benefit, annual health check-ups, and unlimited teleconsultations are available.
        • The insurer provides 100% restoration of the sum insured in most plans.
        • A fitness discount of up to 20% is available.
        • The company settles 96% of cashless claims within 2 hours.
        • The insured can easily track health insurance claims online.
      • National Insurance Company Limited

        National Insurance Company Ltd. has been serving its customers for more than a century with comprehensive health insurance coverage. Below are some of the benefits of buying National Health Insurance plans:

        • Coverage for in-patient care, mental illness, maternity expenses are available
        • Most health plans cover medical expenses incurred for up to 30 days before hospitalization and 60 days after hospitalization.
        • Adventure sports injuries, genetic disorders, obesity treatment and refractive error corrections are covered
        • National Insurance Company Limited offers the Varishtha Mediclaim policy for senior citizens.
        • A co-payment discount of up to 20% is available.
        • Some health plans also offer free health check-up benefits.
      • New India Assurance Company Limited

        New India Assurance Company Limited has been in operation since 1919. Below are some of the features of New India Assurance health insurance plans:

        • It offers a comprehensive health insurance plan for families, protecting self, spouse and two dependent children.
        • Hospitalization costs, ambulance charges, AYUSH treatments and cataract surgery are covered.
        • The insurer offers cancer coverage under the New India Cancer Guard policy.
        • The company also offers New India Pravasi Bhartiya Bima Yojana for emigrants with ECR or ECNR status.
        • Health check-up benefit are also available under some plans.
        • Up to 15% voluntary co-pay discount is available.
      • Niva Bupa Health Insurance Company Limited

        Niva Bupa Health Insurance Company Limited is a standalone health insurance company in India that offers health insurance policies to individuals and families from all age groups. Below are some of the benefits offered by Niva Bupa Health Insurance plans:

        • Home care treatments, modern treatments and hospitalization expenses are covered.
        • Lock the clock benefit, booster+ benefit and annual health check-ups are available.
        • Pre-existing hypertension and diabetes are covered from day 1 with the Smart Health+ rider.
        • Up to 30% live healthy discount is available.
        • The insurer also provides cashless claim authorization within 30 minutes.
      • Raheja QBE General Insurance Company Limited

        Raheja QBE General Insurance Company Limited was established to provide insurance services to its consumers in the most seamless manner. Some of the features and benefits of Raheja QBE health insurance plans are given below:

        • In-patient hospitalization expenses, ambulance charges and non-medical expenses are covered.
        • Medical check-ups, daily allowance and recharge benefit are available.
        • Raheja QBE health insurance plans also offer no claim bonus and domiciliary hospitalization cover.
        • A co-payment discount of 20% is available.
      • Royal Sundaram General Insurance Company Limited

        Royal Sundaram General Insurance Co. Ltd. offers comprehensive insurance plans with innovative features and solutions. Take a look at some key features of Royal Sundaram health insurance plans:

        • OPD treatments, in-patient treatment, modern treatments and ambulance charges are covered
        • Domiciliary hospitalization, health check-up facilities and maternity coverage are also available.
        • It offers worldwide emergency hospitalization expenses along with a second opinion for 11 major critical illnesses.
        • 100% restoration of the sum insured and no claim bonus are available
        • A health & wellness discount is also available.
      • SBI General Insurance Company Limited

        SBI General Insurance Co. Ltd is a joint venture between the State Bank of India (SBI) and four other investors. Here are some of the key features of SBI Health Insurance plans:

        • Advanced procedures, in-patient treatment, OPD treatments and home healthcare are covered.
        • Domestic emergency assistance services, bariatric surgery and annual health check-ups are available.
        • Applicants do not need to undergo a pre-medical screening for up to the age of 45 years.
        • Most health insurance plans cover pre and post-hospitalization expenses.
        • Up to 30% walk healthy discount is available.
      • Star Health & Allied Insurance Company Limited

        Star Health & Allied Insurance Company offers some of the most comprehensive medical plans for individuals and families. Below are some of the coverage benefits offered by Star Health insurance plans:

        • Hospitalization costs, AYUSH treatments, second medical opinion and OPD expenses are covered.
        • Star health insurance offers customized products covering diabetes and HIV positive patients.
        • The insurer also provides a top-up health insurance plan that can be customized as per the insured's needs.
        • Star Diabetes Safe plan covers pre-existing diabetes from day 1 under Plan A.
        • Unlimited restoration of the sum insured, freeze the age and consumables cover are available.
        • A wellness discount of up to 20% is available.
        • The company has an in-house claim settlement procedure for cashless hospitalization facilities.
      • Tata AIG General Insurance Company Limited

        Tata AIG General Insurance Company Ltd. was started in collaboration between the American International Group and the TATA Group. The insurer commenced its operation in the year 2001. 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.
        • Coverage for hospitalization expenses, OPD treatments and maternity expenses are available.
        • Tata AIG medical policies also recompense medical treatments 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.
        • Up to 100 critical illnesses are covered under the Criti Medicare plan.
        • Consumables benefit, restore benefit and preventive health check-ups are available.
        • No pre-policy medical check-up is required for up to 45 years.
        • A family floater discount of up to 32% is available.
      • The Oriental Insurance Company Limited

        The Oriental Insurance Company Limited is also a government-owned general insurance company that offers a wide range of health insurance products in India. Below are some of the benefits of buying Oriental health plans:

        • Oriental Insurance Company Limited offers both family floater and individual health insurance plans.
        • Hospitalization expenses, mental illness treatment and OPD treatments are covered.
        • Health check-ups, teleconsultations and second medical opinions are available.
        • Most health insurance policies can be customized as per the customer's needs.
        • It does not require a pre-policy medical test for up to the age of 55 years.
        • A voluntary co-payment of up to 20% is available.
      • United India Insurance Company Limited

        United India Insurance Co. Ltd. is one of the oldest general insurance companies in India. The insurer offers affordable and personalized health plans to its customers. Furthermore, United India Insurance Company Ltd. received ICRA accreditation for high solvency margin ratio and claim paying ability. Check out the benefits offered by United India health insurance policies:

        • In-patient hospitalization, modern treatments and day care treatments are covered.
        • Free medical check-ups and cumulative bonus are available.
        • A no claim discount of up to 15% and a 5% of family discount is available.
        • A 30-day free look period is provided from the date of policy inception.
      • Zuno (Formerly Edelweiss) General Insurance Company Limited

        Zuno (Formerly Edelweiss) General Insurance Company Limited is trusted by millions of customers for its wide range of insurance products. Here are some of the advantages of purchasing Zuno (Formerly Edelweiss) health insurance plans:

        • The policies are designed to cover in-patient, pre and post-hospitalization expenses, critical illnesses, accidents, diseases, etc.
        • AYUSH treatments, modern treatments and day care treatments are covered.
        • Recovery benefit, shared accommodation benefit and health check-up benefit are available.
        • A single premium discount of up to 10% is available.
      • Zurich Kotak General Insurance Company (India) Limited

        Zurich Kotak General Insurance Company (India) Limited allows customers to pick from a range of customised medical policies. Zurich Kotak (formerly known as Kotak) health insurance plans come with the following features and benefits:

        • Zurich 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.
        • The plans cover critical illnesses like heart attack, cancer, organ transplants, etc. and accidental injuries.
        • Zurich Kotak Secure Shield plan also provides loss of job benefits to the insured along with child education benefit.
        • It also offers coverage for air ambulance services, home nursing, maternity expenses, and newborn baby expenses.
        • Compassionate visit, annual health check-ups and convalescence benefit are also available.

      Disclaimer: The list mentioned is according to the alphabetical order of the insurance companies. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in.

      Health Insurance Companies in India: FAQs

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      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. Policybazaar does not provide any medical or surgical advice or diagnosis and is not responsible for your interactions / treatment by a medical practitioner/hospital. Please consult a registered medical practitioner for any medical or surgical advice. The Information that you obtain or receive from Policybazaar, and its employees, or otherwise on the Website is for informational purposes only. As per the Insurance guidelines, you are allowed to cancel the policy with-in 30 days from the date of Issuance of policy.This option is available incase of policies with a term of one year or more.

      *All the health insurance plans cover hospitalization expenses including COVID-19 treatment cover up to the specified limits. You can also buy specific COVID-19 health insurance policies such as Corona Kavach Policy and Corona Rakshak policy.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws. GST Exemptions depend on fulfilment of qualification criteria and submission of relevant documents.

      *₹1748/month is the starting price for a 1 crore health insurance for an 18-year-old male, with no pre-existing diseases. Discount on renewal premium is subject to the number of wellness points earned in the health insurance policy. For more details about the plans, please read the sale brochure carefully to get upto 100% discount on renewal premium.

      *₹400/month is the starting price for ₹ 5 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹541/month is the starting price for ₹ 10 lakh Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹762/month is the starting price for ₹ 1 Crore Health insurance for a 30 year old male & 29 years old female, living in Delhi with no pre-existing diseases

      *₹243/month(₹ 8/day) is the starting price for a 5 lakh health insurance for a 20-year-old male, non-smoker, living in Bengaluru with no pre-existing diseases

      *₹2020/month is the starting price for ₹ 1 Cr Health insurance for a 50 year old male & 50 years old female, living in Bangalore with no pre-existing diseases rounded off to nearest 10.

      *₹390/month (₹13 per day) is starting price for 1 cr. Health insurance for 25 years old male, with pre-existing diseases, residing from tier 1 city rounded off to the nearest 10.

      *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.

      *The values taken for effective cost calculation are indicative values and may change as per the selected plan.

      *Coverage upto double the amount of Sum Insured is available on certain covers for a minimum plan of Rs. 5 Lakh on the first claim only to an individual of upto 45 years of age with no pre-existing diseases. The benefit is available with or without extra cost depending on the plan chosen.

      *Coverage of pre-existing diseases is provided by insurer as per their underwriting policy.

      *The scope of coverage may vary from plan to plan.

      ~Source: Google Review Rating available on:- http://bit.ly/3J20bXZ

      ##On ground claim assistance is available in 114 cities

      Tax Benefits are subject to changes in tax laws. GST Exemption depends on fulfilment of qualification criteria and submission of relevant documents as required by the insurers. For more details on risk factors, terms and conditions, please read the sales brochure and applicable rules and regulation carefully before concluding a sale.

      STANDARD TERMS AND CONDITIONS APPLY. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale.

      Policybazaar is a registered Composite Broker |Registration No. 742, Valid till 09/06/2024, License category- Composite Broker| Visitors are hereby informed that their information submitted on the website may be shared with insurers.

      Policybazaar Insurance Brokers Private Limited | CIN: U74999HR2014PTC053454 | Registered Office - Plot No.119, Sector - 44, Gurgaon, Haryana - 122001 Contact Us | Legal and Admin Policies

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