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Various health insurance companies who provide insurance in India. Get free health insurance quote today from best health insurance companies in India for your entire family insurance plans Get Cashless medical insurance hospitalizaton form most of insurance companies plan Free medical treatment during hospitalization Peace of mind with health insurance policy
For Comparative Insurance Quote: Om Plaza, 430/7, 1st Floor, Sant Nagar, East of Kailash, New Delhi-65
Phone: 011-41324957, 41623784, Mob:+91-8447757651 & 53 Email: ria1@surekhae.com
Introduction to Health Insurance in India
 
(1) Introduction of Health Insurance Policies   (2) Need of Health Insurance
(3) Companies offering Health Insurance/ Mediclaim   (4) Salient Points of Various Products of Insurance Companies
(5) What Health Insurance Policy Covers in India   (6) What Health Insurance Policy does not Cover in India
(7) Selection of Health Insurance Product/ Company   (8) Health Insurance through Life Insurance Companies
(9) Concept of :
 
a- Concept of Day Care Surgeries Treatments Covered b- Cooling Off Period (30 days Waiting Period)
c- Co-Pay Concept in Health Insurance Policy d- Health Insurance through Credit Card
e- Concept of Cumulative Bonus in Health Insurance Policy f- Health Insurance Cumulative Bonus Comparision
(10) Specimen:
 
a- Proposal Forms of Insurance Companies   b- Non Receipt of Policy Letter to Send to Insurance Companies
9(f)- Health Insurance Cumulative Bonus Comparision
Rewards given on renewal to health insurance customers who did not lodge any claim during the year
Health Insurance Cumulative Bonus Comparision
Insurance Company's Name Cumulative Bonus Cumulative Bonus Discount on Premium Discount on Premium Vouchers
Individual Mediclaim Family Floater Individual Mediclaim Family Floater  
Per Year % Max Limit % Per Year % Max Limit % Per Year % Max Limit % Per Year % Max Limit % -
Apollo Munich 10% 50% 10% 50% - - - - -
Bajaj Allianz Nil Nil Nil Nil - - - - -
Bharti Axa - - - - 5% 25% 5% 25% -
Cholamandalam 5% 50% 5% 50% - - - - -
HDFC Ergo 5% 50% 5% 50% - - - - -
ICICI Lombard 5% 50% 5% 50% - - - - -
IFFCO Tokio 5% 50% 5% 50% - - - - -
Max Bupa - - - - - - - - 10% of renewal premium amount**
National Ins. Co. 5% 50% - - - - - - -
New India Ins. Co. 5% 30% Nil Nil - - - - -
Oriental Insurance Nil Nil - - - - 5% 20% -
Reliance General 5% 50% - - 5% on Healthwise 20% on Healthwise 5% on Healthwise 20% on Healthwise -
Royal Sundaram 5% 50% 5% 50% - - - - -
Star Health - - - - 5% 25% 10% 10% -
United India Ins. Co. - - - - 5% 25% 3% after three claim free years. Starts from 4th year 15% -
Universal Sampo 5% 30% - - - - - - -
Source: www.healthinsuranceindia.org
Note :
* Also covers families where each individual has sum assured mentioned against each family member.
** Vouchers can be used for OPD/ Consultation/ Medicines/ diagonistic tests/ Wellness Programme (Gym/shoes etc.)
1. Star Health discount (maximum) on family floater is limited to 10% only, not cumulative.
 
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