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Health Insurance


Health Insurance

What is 'Health Insurance'?


Health insurance is a type of insurance coverage that pays for medical and surgical expenses incurred by the insured. Health insurance can reimburse the insured for expenses incurred from illness or injury, or pay the care provider directly. It is often included in employer benefit packages as a means of enticing quality employees. The cost of health insurance premiums is deductible to the payer, and benefits received are tax-free.

Types of Health Insurance Policies in India

  • Individual Health Insurance Policy
  • Family Health Plan 
  • Senior Citizen Health Insurance
  • Surgery & Critical Illness Insurance Plans
  • Maternity Health Insurance
  • Personal Accident Cover
  • Pre-Existing Disease Cover
  • Preventive Healthcare
  • Unit Linked Health Plan

Best Health Insurance Policies in India By Top Health Insurance Companies

 

Insurance Company Coverage Incurred Claim Ratio Waiting Period Renewability Network Hospitals
Max Bupa Health Insurance 4 members of the family (2 adults + 2 children) 59.53% 4 years Lifelong Over 3500
HDFC ERGO Health Insurance 4 members of the family (2 adults + 2 children) 51.00% 4 years Guaranteed Lifelong Renewal Over 5000
Bharti AXA Health Insurance 4 members of the family (2 adults + 2 children) 85.42% 4 years Lifelong Over 5000
SBI Health Insurance 4 members of the family (2 adults + 2 children) 54.41% 1 to 4 years Lifelong Over 3000
L&T Health Insurance 4 members of the family (2 adults + 2 children) 46.52% 3 years Lifelong Over 2800
Bajaj Allianz Health Insurance 6 members of the family (2 adults + 4 children) 74.94% 4 years Lifelong Over 3700
Reliance Health Insurance 6 members of the family (2 adults + 4 children) 95.87% 4 years Lifelong Over 4000
National Health Insurance 6 members of the family (2 adults + 4 children) 110.40% 4 years Lifelong Over 6000