Top 10 Health Insurance Companies In India 2017 Best Health Insurance Policy

Top 10 Health Insurance Companies In India

Top 10 Health Insurance Companies In IndiaIn our busy life, we often forget to secure money for health issues. It’s a careless behavior that can cost you in future. For this concern, check Top 10 Health Insurance Companies in India 2017 that are securing not only money but lives of lakh of people. Standardized hospitals, holds best technologies, research centre and highly qualified personals. But as you know treatment in these hospitals is an expensive affair so we are here with affordable health insurance companies in India. These Best Health Insurance Companies will lead your way towards best in class hospitals at the time of any mishaps with health. These companies are renowned in the whole country as it offers Best Health Insurance Policy. So take a look at the compiled list of Top Health Insurance Companies in India.

Top 10 Health Insurance Companies In India

  1. Apollo Munich Health Insurance
  2. Max Bupa Health Insurance
  3. Star Health & Allied Insurance
  4. Bajaj Allianz General Insurance
  5. HDFC ERGO General Insurance
  6. Religare Health Insurance
  7. National Insurance Company
  8. New India Assurance Company Ltd
  9. Reliance General Insurance
  10. Bharti Axa General Insurance

Best Health Insurance Policy

  1. Apollo Munich Health Insurance

Apollo Munich Health Insurance Company Ltd is basically a joint venture between two best healthcare providers; Apollo Hospitals & Munich Health. It has links with approx 4100 hospitals for cashless treatments. Apollo Munich is serving the Indian people since 2007 to provide standardized health care services at less cost or zero cost.

Some of the health Insurance Policies of Apollo Munich

  • Optima Health Restore
  • Easy Health Exclusive
  • Optima Super
  • Dengue Care Plan
  • Optima Vital
  • Optima Senior
  • Easy Health Premium Plan
  • Optima Plus
  • Optima Cash

Health Insurance Features

  • Maximum of 6 persons can acquire coverage, 2 adults and 4 children
  • Medical expenses will be covered for 60 days before hospitalization and 90 days after hospitalization for allied medical expenses.
  • It also offer health check up claim; for an individual plan, up to 1% per person and for family plan, up to 1% of total of sum assured.
  • Coverage is provided for 3 years in case of Pre-existing disease.
  • Incurred claim ratio is 63.03%

Website- www.apollomunichinsurance.com

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  1. Max Bupa Health Insurance

Max Bupa health insurance is a famous assurance firm of India and a joint venture between Max India Ltd and Bupa Finance plc UK. It has links with approx 3500 hospitals to provide health insurance facilities to the common men of India. Max Bupa believes in building a long term relationship with its customers and offers them the best service at a low cost.

Some of the health Insurance Policies of Max Bupa Health Insurance

  • Health Companion Individual
  • Heartbeat – Family Floater Insurance Policy
  • Heartbeat Insurance Policy for Individual
  • Health Companion Family First
  • Health Companion Family Floater Policy
  • Hospital Cash
  • Critical Illness
  • Personal Accident

Health Insurance Features 

  • Max Bupa provides coverage for 4 people; 2 adults & 2 children.
  • Provides free health check up for every second year.
  • Coverage is provided for 2 years in case of Pre-existing disease.
  • Medical expenses will be covered for 30 days before hospitalization and 60 days after hospitalization for allied medical expenses.
  • Incurred claim ratio is 55.16%.

Website – www.maxbupa.com

  1. Star Health & Allied Insurance

Star Health & Allied Insurance Ltd is a joint venture between M/s. Sequoia Capital, M/s. ICICI Ventures Funds Management, M/s. Tata Capital Growth Fund, M/s. Oman Insurance Company, UAE and M/s. Alpha TC Holdings Private Ltd, Singapore. It has a connection with more than 7000 hospitals for cashless treatment.

Some of the health Insurance Policies of Star Health & Allied Insurance

  • Family Health optima
  • Star Diabetes Safe
  • Cardiac Care
  • Star Wedding Gift insurance
  • Rural
  • Star Net Plus
  • Star Student Care
  • Star Care Insurance
  • Criticare Plus Insurance
  • Star Senior Citizens Red Carpet insurance
  • Star Comprehensive Insurance
  • Star MediClassic Insurance
  • Health Gain Insurance
  • Star Super Surplus
  • Star Unique Health Insurance
  • Family Delite Insurance

Health Insurance Features

  • Star Health & Allied Insurance offers coverage to 4 persons, 2 adults and 2 children.
  • Prior to hospitalization, medical expenses covered for 30 days and post hospitalization period for allied medical expenses is covered for 60 days.
  • It offers check up cost after the completion of claim period of 4 years.
  • Provide coverage for pre-existing disease after the completion of 4 years
  • Incurred claim ratio is 63.96%

Website – www.starhealth.in

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  1. Bajaj Allianz General Insurance

Bajaj Allianz is a private insurance company formed after the tie-up between Bajaj Finserv Ltd and Allianz SE. Bajaj Allianz has a connection with around 3700 hospitals. The company has gained the forth position amongst the Health Insurance Companies in India. Bajaj Allianz is the achiever of several precious awards like Claims Award Asia, Insurer Claims Team of the Year Award, The Silicon Valley Business Award and many more.

Some of the health Insurance Policies of Bajaj Allianz General Insurance

  • Online Health Insurance Plans
  • Health Guard Family Floater Option
  • Extra Care Health Plan
  • Premium Personal Guard Policy
  • Health Guard Individual Policy
  • Critical Illness Health Insurance Plan
  • Silver Health Insurance Plan

Health Insurance Features

  • Provides coverage for 6 people; 2 adults & 4 children.
  • Medical expenses will be covered for 60 days before hospitalization and 90 days after hospitalization for allied medical expenses.
  • Coverage is provided for 4 years in case of Pre-existing disease
  • It also offers health check up at insurer’s empanelled diagnosis centre after the end of claim period of 4 years
  • Incurred claim ratio is 73.59%

Website – www.bajajallianz.com

  1. HDFC ERGO General Insurance

HDFC ERGO General Insurance Company Ltd. is a joint venture between HDFC Ltd and ERGO International AG. This insurance company is connected with approx 4800 hospitals. It is the Best Health Insurance Policy in India. This company is the best Insurance service provider & has seen growth in such a short span.

Some of the health Insurance Policies of HDFC ERGO General Insurance

  • Health Suraksha Gold
  • Critical Illness Insurance
  • My: health Medisure Super-Top-up
  • Health Suraksha

Health Insurance Features 

  • It offers coverage for 4 person, 2 adults and 2 children
  • Prior to hospitalization, medical expenses covered for 60 days and post hospitalization period for allied medical expenses is covered for 90 days
  • It offers check up cost after the completion of claim period of 4 years.
  • Provide coverage for pre-existing disease after the completion of 4 years.
  • Incurred claim ratio is 56.48%

Website- www.hdfcergo.com

  1. Religare Health Insurance

Religare health insurance is joint venture between Religare enterprise Ltd, Corporation Bank and the union bank of India. It is one of the best Health Insurance Companies in India. Religare is connected with approx 4500 hospitals for cashless treatment. It the fastest growing insurance company in India.

Some of the health Insurance Policies of Religare Health Insurance

  • Care – Health Insurance Plan
  • Joy – Maternity Focus Health Insurance Plan
  • Enhance – Top-up Insurance For Already Insured
  • Assure – Critical Illness Benefit Plan
  • Secure – Personal accident Insurance

Health Insurance Features

  • It offers coverage to not more than 6 persons, 2 adults and 4 children.
  • Medical expenses will be covered for 30 days prior to hospitalization and for post hospitalization, 60 days for allied medical expenses.
  • 4 years coverage is provided for pre-existing disease.
  • It also facilitates annual health check up for its insured members.
  • Incurred claim ratio is 61.3%

Website – www.religarehealthinsurance.com

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  1. National Insurance Company

National insurance company is the oldest general insurance company which have networks with approx 6000 hospitals in India to facilitate the needy people. It’s headquarter is located in Kolkata and carries 1000 offices in India.

Some of the health Insurance Policies of National Insurance Company

  • Parivaar Medicalaim Plus Plan
  • Mediclaim Employment and Studies Plan
  • Mediclaim Plus Plan
  • Overseas Mediclaim Business and Holiday Plan
  • Parivaar Medicalaim Plan
  • Mediclaim Plan

Health Insurance Features

  • It offers coverage of 6 persons, 2 adults and 4 children.
  • Prior to hospitalization, medical expenses covered for 30 days and post hospitalization period for allied medical expenses is covered for 60 days.
  • It offers check up cost after the completion of claim period of 4 years.
  • Provide coverage for pre-existing disease after the completion of 4 years.
  • Incurred claim ratio is  110.20%

Website – www.newindia.co.in

  1. New India Assurance Company Ltd

New India Assurance is fully owned by Indian government. At present, it operates in 28 countries. New India assurance has a network of more than 2000 hospitals.

Some of the health Insurance Policies of New India Assurance

  • Top Up Mediclaim Policy
  • Floater Mediclaim Policy
  • Asha Kiran Policy
  • Pravasi Bharatiya Bima Yajona Policy
  • Janata Mediclaim policy
  • Persaonal Accident Policy

Health Insurance Features

  • It offers coverage to not more than 6 persons, 2 adults and 4 children.
  • Medical expenses will be covered for 30 days prior to hospitalization and for post hospitalization, 60 days for allied medical expenses.
  • 4 years coverage is provided for pre-existing disease.
  • It also offers refund of medical check after completing a claimless period of 3 years.
  • Incurred claim ratio is 98.78%

Website – www.newindia.co.in

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  1. Reliance General Insurance

Reliance general insurance company is one of the leading general insurance companies of India. Reliance general insurance has a connection with more than 4000 hospitals for cashless treatments. If you are looking for a Health Insurance Company that offers best plans, Reliance General Insurance is made for you.

Some of the health Insurance Plans of Reliance General Insurance

  • Health Insurance
  • Personal Accident
  • Critical Illness
  • Health Insurance on EMI

Health Insurance Features

  • Reliance General Insurance provides coverage for 4 people; 2 adults & 2 children.
  • Coverage is provided for 3 years in case of Pre-existing disease.
  • Medical expenses will be covered for 30 days before hospitalization and 60 days after hospitalization for allied medical expenses.
  • It offers free health check up after completing claimless period of 4 years.
  • Incurred claim ratio is 107.49

Website – www.reliancegeneral.co.in

  1. Bharti Axa General Insurance

 Bharti Axa General Insurance is a joint venture between Axa Group and Bharti Enterprises. It has connection with nearly 5000 hospitals. It is providing Health Insurance plans since 2008. It is the achiever of several precious awards like Excellence Award by the Institute of Economic Studies (March 2014), Outstanding Performance in Insurance Category Award (in 2013), Award for consistent performance and growth and many other.

Some of the health Insurance Policies of Bharti Axa General Insurance

  • Smart Health Essential Insurance
  • Smart Individual Personal Accident Insurance Plan
  • Smart Health Critical Illness
  • Smart Health Insurance

Health Insurance Features

  • Bharti Axa General Insurance provides coverage for 4 people; 2 adults & 2 children.
  • Medical expenses will be covered for 30 days before hospitalization and 60 days after hospitalization for allied medical expenses.
  • It offers 1% of assured amount towards the cost of health check after completing claimless period of 4 years.
  • Coverage is provided for 4 years in case of Pre-existing disease.
  • Incurred claim ratio is 97.48%

Website – www.bharti-axalife.com

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