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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:
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
1- Introduction of Health Insurance Policies
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Family Floater (for families) health insurance and mediclaim
Health Insurance and Mediclaim for individuals
Health Insurance and Mediclaim for Senior Citizens
Overseas Travel Insurance
In mid 80’s most of the hospitals in India were government owned and treatment was free of cost. With the advent of Private Medical Care the need for Health Insurance was felt and various Insurance Companies (New India Assurance, National Insurance Company, Oriental Insurance & United Insurance Company) introduced Mediclaim Insurance as a product.
According to recent news report health insurance continues to be the fastest growing segment with annual growth rate of 20% to 23%. Health Premium has risen to Rs. 24,784.05 crores in 2015-2016. As per the recent reports from various agencies the health sector has the potential to become a Rs. 10,00,000 crore industry by 2020. Estimates of leading Chambers of Commerce as well NGO Insurance Foundation of India also confirm these estimates.
In 2001 with entry of various private Insurance companies now the customers have choice of buying this insurance from 28 Insurance companies.
The Companies, which offer Health or Mediclaim Insurance are:
  1. Aditya Birla Health Insurance Company Limited
  2. Apollo Munich Insurance Company Limited
  3. Bajaj Allianz General Insurance Company Limited
  4. Bharti AXA General Insurance Company Limited
  5. Cholamandalam MS General Insurance Company Limited
  6. Cigna TTK Health Insurance Company Limited
  7. Edelweiss General Insurance Company Limited
  8. Future Generali India Insurance Company Limited
  9. HDFC ERGO General Insurance Company Limited
  10. ICICI Lombard General Insurance Company Limited
  11. IFFCO Tokio General Insurance Company Limited
  12. Kotak General Insurance Company Limited
  13. Larson & Toubro General Insurance Company Limited
  14. Liberty Videocon General Insurance Company Limited
  15. Magma HDI General Insurance Company Limited
  16. Max Bupa Health Insurance Company Limited
  17. National Insurance Company Limited
  18. Reliance General Insurance Company Limited
  19. Religare health Insurance Company Limited
  20. Royal Sundaram General Insurance Company Limited
  21. SBI General Insurance Company Limited
  22. Shriram General Insurance Company Limited
  23. Star Health and Allied Insurance Company Limited
  24. Tata AIG General Insurance Company Limited
  25. The New India Assurance Company Limited
  26. The Oriental Insurance Company Limited
  27. United India Insurance Company Limited
  28. Universal Sompo General Insurance Company Limited
India is the only country where hospitalization insurance policy was being sold as Mediclaim Insurance Policies. The very name gives a feeling to the insured that claim has to be lodged. If motor insurance policy is not sold as motor insurance claim policy and household insurance policy is not sold as household claim policy then why this be named as Mediclaim?
Since 2002 the trend has emerged that some Insurance companies have started calling this product as Health Insurance and in 2016 we find it is the common nomenclature for this insurance.
Health Insurance and Mediclaim are two different names for the same product. The change has started coming and now we have started calling it Health Insurance. ICICI Lombard has even named it as Health Insurance Policy.
Calling is as Health Insurance is a positive way of looking at this Insurance. It also giving us a feeling that we as a society have started moving from curative medical care to preventive medical care.
According to sources in Oriental insurance it is being felt that mindset has started changing over the last couple of years “ The new middle- class of of India aspires for quality healthcare service and doesn’t mind going to expensive hospitals like Apollo or Escorts. There is no reason why healthcare insurance should not be successful with this class.
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