Health Insurance


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Health Insurance Plans

Health insurance, also called medical insurance, helps you pay for planned and emergency medical expenses. It covers hospital bills, day-care treatments, surgeries, modern treatments, and costs before and after hospitalisation. This way, you can take care of your health without worrying too much about big medical bills.

 

  

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Get the Right Health Insurance with Expert Help

Our expert will guide you in choosing the best plan that suits your needs and budget.

  

Aditya Birla Health Insurance

✅ Backed by Aditya Birla Group with fast digital claim process

💪 Covers chronic illnesses from day 1 + modern treatments
🎁 Earn HealthReturns™ for staying fit
🏥 10,000+ cashless hospitals across India
📊 94%–96% claim settlement ratio
💰 Coverage up to ₹2 Cr, premiums from ₹5,200/year

ICICI Health Insurance

✅ Backed by ICICI Bank with wide digital claim support.
💰 Premiums are affordable with flexible coverage.
🏥 Covers OPD, global care, maternity, and more.
📊 Claim settlement ratio is approx. 99.7% (FY24).
🎁 Offers wellness tools, loyalty perks, and riders.
⚠️ Few delays reported in reimbursement cases.

Care Health Insurance

✅ Standalone insurer (ex-Religare) with 22,900+ cashless hospitals.
💰 Affordable premiums with wide plan options.
🏥 Covers maternity, critical illness, AYUSH & top-ups.
📊 90–100% claim settlement, 59% incurred ratio (FY24).
🎁 Includes recharge, bonus, check-ups & e-consults.
⏱️ Cashless approval in ~1 hour; 48+ lakh claims settled.

Magma HDI Health Insurance

✅ Joint venture of Magma Fincorp and HDI Germany.
💰 Premiums start low with wide sum insured options.
🏥 Covers AYUSH, organ donor, OPD, and day-care.
📊 Claim settlement ratio is around 95% (latest).
🎁 Offers no-claim bonus, restore, and fitness perks.
⚠️ 2–4 year wait for pre-existing conditions.

HDFC ERGO Health Insurance

✅ Backed by HDFC Group with fast digital claim approval.
💰 Premiums start around ₹9,500/year (~₹26/day).
🏥 Covers day-care, mental health, and home care.
📊 Claim settlement ratio is approx. 99% (FY24).
🎁 Includes restore, wellness tools, and boosters.
⚠️ 2–4 year wait on pre-existing conditions.

Star Health Insurance

✅ Leading standalone insurer with 14,000+ cashless hospitals.
💰 Premiums start from approx. ₹1,500/year.
🏥 Covers maternity, AYUSH, and cardiac care.
📊 Claim settlement ratio is around 82–86%.
🎁 Offers no-claim bonus and wellness tools.
⚠️ Some delays and high rejection complaints.


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