Top 10 Health Insurances in India (in 2019)

In this article, we have discussed the Top 10 Heath Insurances in India. We have also discussed the various features and characteristics of these Health Insurances, which made them the Top 10 Health Insurances in India.

Article Index:

1. Star Health Insurance

2. Religare Health Insurance

3. Apollo Munich Health Insurance

4. ICICI Lombard Health Insurance

5. SBI Health Insurance

6. Aditya Birla Health Insurance

7. Policy Bazaar Health Insurance

8. HDFC Ergo Health Insurance

9. Royal Sundaram Health Insurance

10. Bajaj Allianz Health Insurance

 

Health Insurance is a type of medical insurance policy where an individual can ensure his or her family’s health by paying a certain amount every most or year. The same health insurance will later help as financial security when he or his family gets hospitalized. A health insurance plan can provide you a cashless hospitalization facility, or it can also reimburse the amount you paid for hospital expenses. 

Many eminent health insurance plans work around an extensive network of hospitals for providing you a smoother and easier transaction flow. All these health insurance plans treat you in an effective and friendly manner whenever any emergency incident befalls upon you or you meet with an accident or any other injuries. 

 

1. Star Health Insurance

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Started in the year 2006, Star Health Insurance is one of the most prominent health insurance running in our country. It’s business interest in health insurance also deals with crucial details such as overseas mediclaim policy and personal accidents. Star Health Insurance policy comprises of a wide range of features in their exquisite plans which satisfy the needs of customers. 

Star Health Insurance policies also come with user-friendly rates as every customer can purchase and enjoy the benefits provided by it. Over the years, Star Health Insurance has earned the love of millions of customers and has continued to do so. This renowned Health Insurance comes in different plans and categories such as family, individual, children, senior citizens, and college-goers.

Star Health Insurance was also the first standalone Insurance from in our country and has been a recipient of many awards, the prominent one being the Health Insurance Company of the Year at Indian Insurance Awards in 2015.

 

2. Religare Health Insurance

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The health insurance which gets marketed by the leading hospital chain of our country Fortis HospitalsReligare Health Insurance, is one of the leading health insurance providers in India. Along with its services of providing attractive insurance policies to its customers, the Religare Health Insurance firm also specializes in the distribution of various products to its customers. 

Religare Health Insurance firm gets run by three stakeholders, namely Union Bank of India, Corporation Bank, and Religare Enterprises Ltd. This ergonomic Health Insurance firm is present at almost 1700 locations in our country. Religare Health Insurance not only provides claims on personal accidents or any other mishaps but provides a means of utilization through which anyone can lesser their hospitalization costs and increase their healthcare.

The vast range of services of Religare Health Insurance include personal healthcare, preventive health solutions, as well as healthcare delivery. It comprises of many categories for individuals such as Family Floater, senior citizen plans, and many more. All policies of Religare Health Insurance come with the Lifelong Renewability feature, which means they can get renewed any time during its tenure. 

 

3. Apollo Munich Health Insurance

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Apollo Munich Health Insurance, the Insurance firm which gets operated through an integrated network of healthcare providers across Apollo HospitalsGermany-based Munich Health, and other hospitals in Asia, started in 2007. The prime reason behind the starting of this highly efficient health insurance was only to provide high-class health services to all the citizens of this country. 

The Insurance firm comprises a broader range of insurance and healthcare products that have explicitly got drawn to meet the requirements of every individual in India. This integrated Health Insurance has also got rewarded with many awards, which include the eminent Best Health Insurance Award from Outlook Money in 2013, Health Insurance Company of the Year in 2014, and the exquisite Innovation of the Year Award from the Asia Insurance Awards in the same year.

Apollo Munich Health Insurance provides numerous benefits to all its consumers through different categories or plans of insurance products right form the children to senior citizens. A more comfortable settlement of claims and constant consumer interaction is the prime motto of this Insurance Policy.

 

4. ICICI Lombard Health Insurance

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The Health Insurance plan started by the top banking sector of our country ICICI Bank Ltd, the ICICI Lombard Health Insurance gets marketed as the most efficient health insurance policy in the private areas of the country. It comprises numerous plans for every individual, such as Personal Protect Policy, Complete Health Insurance, and Health Booster.

This lucrative insurance policy provides cashless support at every emergency and provides constant consumer interaction during such cases. It also offers a lesser amount of waiting period to its customers so that you don’t have to wait for a prolonged amount of time to claim your money. 

Even the ICICI Lombard Health Insurance comprises of the Lifelong Renewability feature through which you renew it at any time during its term. The long list of the network where this policy gets spreads about amasses to around 5025 hospitals, and the cashless support can get approved within 4 hours of your claim. Other than saving on your tax money, this health insurance policy also provides fast and untimely support to all its customers.

 

5. SBI Health Insurance

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SBI Health Insurance is another segment of insurance policies that are run by its parent company SBI General Insurance Company Ltd, affiliated to the State Bank of India. This eminent insurance policy has also got collaborated with Australia based Insurance Company, Australia Group, for providing all sorts of benefits to the citizens of our country.

It is the leading health insurance company that provides minimum support to all its customers during a medical emergency. SBI Health Insurance offers a broader range of services regarding healthcare, which any individual can choose from and ensure his family’s health. As claimed by the Insurance Firm, it helps all its customers during any time of unannounced medical emergencies. 

Unlike other insurance policies, SBI Health Insurance covers both pre and post hospitalization expenses and critical care expenses such as daycare expenses, maternity expenses, organ donor expenses, and OPD expenses. It also offers numerous tax benefits to its customers and provides the options of alternative treatment. 

 

6. Aditya Birla Health Insurance

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The prime reason behind the starting of this Health Insurance firm was to provide every medical need possible to all people of this country. This lucrative Health Insurance got designed after ascertaining the diverse medical needs available in our country for the people. Therefore, Aditya Birla Health Insurance provides a long list of benefits to protect your health as well as the health of your family.

The Health Insurance policy comprises of a long list of free plans such as Active Health Essential PlanActive Health Plan, and Active Health Enhanced Plan for all its customers. All the above-said ideas come with attractive and eminent benefits to all consumers. 

The Health Insurance also provides another plan named Activ Assure- Diamond Plan, which has additional benefits of up to 150% restoration of the insured sum and even 586-day care procedures to all customers. All the insurances come at an affordable price and can get accessed easily through their online website. 

 

7. Policy Bazaar Health Insurance

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One of the most lucrative Health Insurance providers in our country, Policy Bazaar, has made eminent waves in this sector due to its aggressive marketing campaigns. Like all other insurance policies, Policy Bazaar Health Insurance also provides lots of benefits to all its customers in the country. 

But Unlike other Insurance Firms, Policy Bazaar helps you in finding the right insurance plan for you through its Health Insurance calculator. Here you have to fill crucial details such as your income, your proposal of Insurance, whether it is individual, children or family, and others. 

Once you fill in such details, Policy Bazaar itself finds the best plan for you, and you can choose the plan without opening your eyes.

Such is the level of trust customers have bestowed on Policy Bazaar Health Insurance. Policy Bazaar Health Insurance provides instant support, quick purchase, and immediate receipts for all sorts of functionalities and provides 24*7 support through its toll-free number for all its customers. Till now, Policy Bazaar has had an excellent 100% claim assistance record with all its customers.

 

8. HDFC Ergo Health Insurance

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Launched by the HDFC Ergo General Insurance Company Ltd, the HDFC Ergo Health Insurance is the 4th most significant Insurance firm in our country. It got started in the year 2002, and as of today, has its operation around 89 cities through 109 branches across India. 

It has its headquarters at Mumbai and comprises of a vast network of more than 5000 hospitals in India. All the health policies under this Insurance come at affordable premium prices, which satisfies the needs of all citizens of our country. 

Like other insurance providers, even the HDFC Ergo Health Insurance also provides essential features such as cashless optimization, flexible payment loans, and smoother transaction of your claims. The HDFC Ergo Health Insurance also offers numerous plans from individuals to senior citizens.

 

9. Royal Sundaram Health Insurance

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A leading player in the Insurance Industry, Royal Sundaram Health Insurance, is the oldest player among other insurance firms in our country. It comprises of an extensive network of around 3000 hospitals and also offers a lifelong renewability feature.

A critical point to mention here is that Royal Sundaram Health Insurance firm was the first firm to launch the cashless optimization scheme, which got followed by other insurance firms as well. It houses a wide range of insurance plans right from individuals to senior citizens and also comes at affordable rates. 

 

10. Bajaj Allianz Health Insurance

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The most financially secure Insurance of the country, the Bajaj Allianz Health Insurance, provides all its customers the best treatment and health services present in the country. It assures and strives hard that all its customers and their family members get the best service wherever they get admitted to the country. It provides instant support during emergency services and makes you sure you do not get panicked during any situation. 

It gets spread around an extensive network of 5000 hospitals and provides numerous ergonomic plans right from the individual to senior citizens. It is also one of the prime insurance companies in our country, which has a high settlement ratio feature. 

All these plans comprise of affordable rates depending on the income of every individual. It protects you from the high costs of the hospital bills and provides tax emption for senior citizens under section 80D.

 

In our article, we have listed the Top 10 Heath Insurances in India. We have also discussed the various features and characteristics of these Health Insurances, which made them the Top 10 Health Insurances in India. 

Shreyas Aravind
Shreyas Aravind
Hey, this is Shreyas A. He is an engineer by profession and an orator by passion. He loves to write on different set of topics right from technology, travel, general knowledge, science and politics. He also loves writing reviews on different product categories. He loves content writing as he belives it will help in bringing the creative person out of him 🙂

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