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Deutsche Bank Health Insurance
Deutsche Bank health insurance refers to the mediclaim policy available for purchase to Deutsche Bank account holders. These plans are offered through partnerships with various insurance companies and provide financial protection for a wide range of medical needs, including hospitalisation expenses, OPD expenses, maternity expenses, etc. However, the scheme remains active until the bank has a tie-up with the insurer and the customer continues to have an active Deutsche Bank account.
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Deutsche Bank Health Insurance: Key Highlights
| Categories | Specifications |
| Pre-existing Diseases (PED) | Covered from the first day of the policy |
| Validity of Deutsche Bank Health Insurance Plans | 1. Until the bank has a tie-up with the insurer 2. Until the customer holds an operational Deutsche Bank account |
| Riders | Not usually offered |
| Premium Payment | Debited automatically from the customer's Deutsche Bank account |
| Tax Benefits | Available u/s 80D of the Income Tax Act, 1961. |
Disclaimer: The PED waiting period may differ as per the terms and conditions of the Deutsche Bank health insurance policy.
Benefits of Deutsche Bank Health Insurance
Check out some of the key benefits of purchasing Deutsche Bank health insurance for account holders:
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Affordable Premiums
Health insurance plans offered through Deutsche Bank generally come at lower premiums compared to standard medical policies. This is possible due to the bank's tie-up with insurance companies, allowing them to offer plans at special discounts. Besides, the banks may offer exclusive promotional offers to their customers, making these plans more cost-effective.
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Coverage for Pre-existing Health Conditions
Unlike most regular mediclaim policies, the Deutsche Bank health insurance scheme may offer coverage for pre-existing health conditions, such as thyroid, asthma, hypertension, etc., from the first day of the policy.
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Direct Purchase Without Insurance Agents
Deutsche Bank account holders do not need to go through insurance agents to buy a medical policy. Instead, they can purchase the plan directly from their trusted bank, ensuring a smooth and hassle-free policy-buying process. This allows customers to buy a plan of their choice without any external influence.
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Easy Premium Payments
Deutsche Bank health insurance renewal premiums are automatically debited from the customer's Deutsche Bank account. This ensures timely payments, helps avoid policy lapses, and even eliminates the need for customers to remember the payment date every year.
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Increased Convenience
Since both banking and insurance services are available under Deutsche Bank, account holders can manage their finances and healthcare coverage in one place. This integrated service offers enhanced convenience to customers.
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Wide Range of Plan Options
Deutsche Bank offers multiple medical insurance plans to cater to the varied health needs of different customers, including health insurance for senior citizens, family health plans, critical illness insurance and super top-up plans. With such a wide portfolio, the bank aims to offer comprehensive coverage to all its customers.
List of Plans Offered by Deutsche Bank Health Insurance
Take a look at medical insurance plans offered by Deutsche Bank:
| Deutsche Bank Health Insurance Plans | Sum Insured | Ideal For |
| Aditya Birla Active One Plan | ₹2 lakh to ₹6 crore | Individuals and Families |
| Aditya Birla Activ Health Platinum Enhanced Plan | ₹2 lakh to ₹2 crore | Individuals and Families |
| Aditya Birla Activ Assure Diamond Plan | ₹2 lakh to ₹2 crore | Individuals and Families |
| Aditya Birla Activ Care Plan | ₹3 lakh to ₹25 lakh | Parents |
| Aditya Birla Global Health Secure Plan | ₹3 crore and ₹6 crore | Overseas Coverage |
| Aditya Birla Corona Kavach Plan | ₹50,000 to ₹5 lakh | COVID-19 |
| HDFC ERGO Health Suraksha Top-up Plan | ₹2 lakh to ₹10 lakh | Top-up, Super top-up |
| HDFC ERGO Critical Illness Plan | ₹1 lakh to ₹50 lakh | Critical Illnesses |
| HDFC ERGO my:health Medisure Super Top-up Insurance Plan | ₹3 lakh to ₹20 lakh | Super Top-up |
| HDFC ERGO Personal Accident Insurance Plan | ₹5 lakh to ₹15 lakh | Accidents |
| Niva Bupa Health Premia Plan | ₹5 lakh to ₹3 crore | Individuals and Families |
| Niva Bupa ReAssure 2.0 Plan | ₹5 lakh to ₹1 crore | Individuals and Families |
| Niva Bupa Senior First Plan | ₹5 lakh to ₹25 lakh | Senior Citizens |
| Niva Bupa Health Companion Plan | ₹3 lakh to ₹1 crore | Individuals and Families |
| Niva Bupa Health Assurance Plan | ₹3 lakh to ₹5 crore | Critical Illnesses and Accidents |
| Niva Bupa Heartbeat Insurance Plan | ₹5 lakh to ₹1 crore | Individuals and Families |
| Tata AIG Medicare Plus Plan | ₹3 lakh to ₹1 crore | Top-up |
| Tata AIG Medicare Premier Plan | ₹5 lakh to ₹3 crore | Individuals and Families |
| Tata AIG Accident Shield Plan | - | Accidents |
| Tata AIG Secured Future Insurance Plan | Monthly payout ranging from ₹10,000 to ₹35,000 | Monthly Income Benefit |
See more plans
Note: The above Deutsche Bank health insurance plans are as of June 2, 2025.
What is Covered by Deutsche Bank Health Insurance?
The Deutsche Bank health insurance policy provides coverage for the following:
- In-patient treatment
- Pre-hospitalisation expenses
- Day care procedures
- Post-hospitalisation expenses
- OPD cover
- Ambulance cover
- Maternity cover
- Domiciliary treatments
- Critical illnesses cover
- Dental treatment
- Daily hospital cash
- Hearing aids
- Bariatric surgery
- Vaccination cover
- Accidental death
- Permanent total and partial disability
- AYUSH treatment
- Second opinion
- Preventive health check-ups
Note: The exact coverage may differ from one Deutsche Bank insurance plan to another.
What is Not Covered by Deutsche Bank Health Insurance?
The Deutsche Bank health insurance scheme does not cover the following:
- Intentional self-harm
- Treatment for addiction to drugs or alcohol
- Dietary supplements and substances
- Cosmetic surgery
- Treatment for injuries sustained while participating in adventure or dangerous sports
- Treatment for injuries due to involvement in unlawful or illegal activities
- Treatment for injuries due to war or nuclear weapons
- Change of gender treatments
- Unproven treatments
Things to Keep in Mind While Buying a Deutsche Bank Health Insurance Plan
When buying a health plan offered by Deutsche Bank, it is important for customers to keep the following things in mind:
- Policy Validity - The Deutsche Bank mediclaim policy remains valid as long as the bank continues its partnership with the insurance company and the account holder maintains an active bank account.
- Limited Coverage - Compared to regular medical plans, coverage offered under the Deutsche Bank health insurance scheme may be limited. This is often due to the lower premiums charged by the bank.
- Riders - Most retail medical insurance plans allow customers to enhance their coverage with riders, which may not be available under Deutsche Bank health insurance policies.
- Insurer Options - Unlike a standard medical policy, Deutsche Bank health insurance plans are restricted to the insurance companies partnered with the bank. This may limit the number of insurer options available to customers.
Deutsche Bank Health Insurance: FAQs
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Q1. Does Deutsche Bank offer health insurance?
Ans: Yes. Deutsche Bank offers health insurance to its account holders. However, the policy will remain valid until you have an active account with the bank and the bank is associated with the insurance provider. -
Q2. Is it safe to buy health insurance from Deutsche Bank?
Ans: Yes, it is completely safe and secure to buy a health plan from Deutsche Bank. -
Q3. Which insurance company has a tie-up with Deutsche Bank?
Ans: The Aditya Birla Health Insurance Company, HDFC ERGO General Insurance Company, Niva Bupa Health Insurance Company, and Tata AIG General Insurance Company have a tie-up with Deutsche Bank. -
Q4. What is the Deutsche Bank health insurance cost?
Ans: The Deutsche Bank health insurance cost may vary from person to person, depending on various factors, such as age, location, health status, etc. However, you can know the approximate price of your preferred plan by either going through the Deutsche Bank health insurance premium chart or speaking to the customer care team. You can also use the health insurance premium calculator available on Policybazaar.com to estimate the premium of your desired policy.
Health insurance companies
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. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
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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.
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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.
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