How To Select Health Insurance Policy India (2023)

Table Of Content [ Close ]

  • 1. How To Select Health Insurance Policy India
    • 1.1 International Health Insurance
  • 2. The New India Assurance (india’s Premier Multinational General Insurance Company)
    • 2.1 Health Insurance For Senior Citizens: How To Pick The Best Insurance Policy
  • 3. Health Expenditure As A Percentage Of Gdp By Country 2021
  • 4. Health Insurance Plans For Family
    • 4.1 Insurance Sign Templates

How To Select Health Insurance Policy India – A floating health insurance of Rs 5 lakh is sufficient in most parts of the country, but may not be suitable if you live in a metro.

A good percentage of millennials are aware of the benefits of good health and adequate medical coverage, but a large percentage still view health insurance as a tax-saving tool. In a recent ICICI Lombard survey of 1,400 25-35 year olds, 75% of respondents said they had health insurance.

How To Select Health Insurance Policy India

But 46% of shoppers said the tax credit on health insurance premiums made them buy health insurance. The search for tax benefits was more pronounced among female respondents, 64% of whom indicated this as the reason for purchasing the cover. The survey results show that most people buy insurance only for the tax savings and not for the benefits it offers.

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However, they are still better off than those who do not buy insurance at all. Many people are unaware of the risks they are exposed to if they do not have adequate health insurance. While demand for health insurance products is growing, India still has the highest under-penetration rate in the world, with only 0.16% of the total population covered by health insurance, according to Irda. Then don’t be surprised that 70% of medical expenses are taken out of pocket.

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Take the case of Noida-based Mohit Kumar. He was advised to buy a family swimming package worth Rs 10 lakh, which will cost him Rs 15,000 annually. However, his busy schedule prevented him from purchasing the bond. Kumar should know that he can buy health policy online. It only takes 30-40 minutes and some effort to enter the data.

Recommended cover: Rs 5 lakh floater plan for both husband and wife. Separate individual cover for mother for Rs 5 lakh.

The good news is that awareness of the need for health insurance is increasing. A majority of respondents to the ICICI Lombard survey said they were aware of the need for health insurance. But insurers say some myths need to be dispelled first.

International Health Insurance

For example, half of respondents to another Max Bupa survey thought health insurance was for the elderly, and 48% thought they didn’t need it because they were healthy. Many were also anxious about whether they would be able to pay medical bills after retirement, believing they had enough savings to pay them off.

Many people are still unsure about the benefits of health insurance. As a result, only 50% of Max Bupa survey respondents claimed to have renewed their policy. Many still consider it a waste of money because it offers no return.

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Chennai-based Veerendra Kumar is in the process of quoting a family swimming plan worth Rs 10 lakh. “After being advised to buy supplementary health insurance, I looked into a few policies online and offline. I called up a few quotes. I may finalize a policy soon,” he says.

In most parts of the country, a floating health insurance of Rs 5 lakh is enough. However, it may not be enough if you live in a metropolitan area where the cost of medical treatment is significantly higher. A 2-3-day hospitalization for common ailments can result in a bill of Rs 60,000-70,000 in private hospitals in metro cities. The bill for serious illnesses can run into crores of rupees.

The New India Assurance (india’s Premier Multinational General Insurance Company)

But a regular Rs 3-5 lakh indemnity policy will not be of much use if the insured is diagnosed with a serious illness. In such cases, a critical illness plan is useful. However, critical illness policies come with higher costs and cover only certain illnesses. Still, they are better than some disease-specific covers.

Recommended cover: Rs 5 lakh floating plan for own family. Separate individual plans for parents at Rs 3 lakh each.

Don’t rely too heavily on your employer’s group coverage. Group policies have many exclusions and may not cover all costs incurred during hospitalization. There are sub-limits for room rent and other fees, as well as co-payment clauses, where the policyholder must pay a certain percentage of the bill.

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Take at least Rs 7-10 lakh cover if you want to be on the safe side. Fortunately, the premium does not increase at the same rate as the coverage. If the cover for a Rs 5 lakh float is Rs 12,000 a year, the Rs 10 lakh cover will not cost Rs 24,000. It will be around Rs 18,000 per year.

International Health Insurance Plans

The type of policy to be purchased should be determined based on the needs of your family. The number of family members and their ages are key to determining the policy. For example, a young family can go for a basic cover of Rs 5 lakh, while a family with an elderly member should opt for a larger floating cover. The family swimming fee is linked to the age of the oldest member. If the parents are above 50, it would be wise to get a separate cover for them and not include them in the fleet plan.

One way to upgrade your health insurance at low cost is through a top-up policy. These plans can also be used to supplement group health coverage offered by your employer. “Companies allow employees to buy top-up insurance between Rs 2 lakh and Rs 5 lakh. The annual premium for employer-sponsored covers is around Rs 1,000/Rs 1,000,” says Arvind Laddha of Vantage Insurance Brokers. If your employer does not allow you to purchase top-up coverage, you can always purchase a top-up plan regardless of the basic plan.

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Top-ups are cheaper than family floats. According to MyInsuranceClub. com, a Rs 5 lakh family float covering himself, wife and one child costs between Rs 10,000 and Rs 17,000 annually. A Rs 5 lakh individual health plan will cost a 35-year-old Rs 4,000-7,000 per year.

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Health Insurance For Senior Citizens: How To Pick The Best Insurance Policy

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To read the full story, subscribe to ET PrimeSign and read the full article. You received this Prime Story as a free gift Travel insurance is a unique product that protects you when you travel. Also known as travel health insurance, it can be purchased for both foreign and domestic travel. Basic travel insurance plans cover financial losses due to medical emergencies that arise while traveling, however, comprehensive travel insurance policies offer better coverage for flight delays, lost passports, trip cancellations, personal liability, etc.

* The price shown is for a 15-day trip to the UK with $1 million cover for an adult aged 25+.

If the traveler has a known illness, injury or medical condition such as heart disease, diabetes, cancer, etc.

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Health Expenditure As A Percentage Of Gdp By Country 2021

A travel insurance policy is a versatile plan that offers financial compensation for various emergencies that the insured may encounter during a trip. This is a very effective way to insure any trip as you compare travel insurance plans before buying the best one for your upcoming trip.

Generally, people only become aware of travel insurance when they have to travel to a country where they need to buy international travel insurance online. Compared to the times before the epidemic, however, more travelers are now insuring their trips.

Buying travel insurance online is very convenient and the coverage can be customized for different types of trips. There are different covers, supplements and insurance periods depending on whether it is a business trip, a family trip or an educational trip. Benefits include passport theft, medical examination, checked baggage delays, missed connections, etc.

Due to the pandemic, COVID-19 travel insurance (also known as COVID travel insurance) has become very popular as it provides COVID-19 coverage and other travel insurance benefits. You can purchase travel insurance with COVID-19 coverage, which requires minimal paperwork.

Health Insurance Plans For Family

From your flight to your entire stay abroad and back, you can ensure a safe and hassle-free journey by buying the best international travel insurance before you go.

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Buying travel insurance online has many benefits in this digital age. Check out some reasons why you should buy travel insurance online:

If you have travel insurance for your trip, admission to a network hospital can help you access cashless healthcare services around the world.

Many countries around the world have made it mandatory to have a valid travel insurance for the visa application of that country. So if you want to visit such a country, you can quickly search for plans online and get a visa after purchasing one of the best travel insurance plans available in India.

Insurance Sign Templates

When you buy travel insurance online, you can easily compare travel insurance

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How To Select Health Insurance Policy India? ›

First, your health cover should be at least 50% of your annual income. And second, the insurance cover should at least cover the cost of a coronary artery bypass graft in a hospital of your choice. Most personal finance experts recommend a minimum health cover of Rs 5 lakh.

Which insurance is best for health insurance in India? ›

Best Health Insurance Companies in India
RankHealth Insurance CompanyHealth Claim Settlement Ratio FY22
1HDFC Ergo Health Insurance100%
2Niva Bupa Health Insurance91.20%
3Care Health Insurance95.22%
4Aditya Birla Health Insurance94%
18 more rows

How to choose health insurance plan for family in India? ›

7 Tips to Choose a Health Insurance Plan in India
  1. Look for the right coverage. ...
  2. Keep it affordable. ...
  3. Prefer family over individual health plans. ...
  4. Choose a plan with lifetime renewability. ...
  5. Compare quotes online. ...
  6. Network hospital coverage. ...
  7. High claim settlement ratio. ...
  8. Choose the kind of plan & enter your details:

How much health insurance should you have in India? ›

First, your health cover should be at least 50% of your annual income. And second, the insurance cover should at least cover the cost of a coronary artery bypass graft in a hospital of your choice. Most personal finance experts recommend a minimum health cover of Rs 5 lakh.

How to choose the best life insurance policy in India? ›

How can you choose the best life insurance plan?
  1. Assess your life insurance goals. ...
  2. Calculate the optimal insurance cover that you need. ...
  3. Determine the amount you have to pay as the premium and find the policy offering the best deal. ...
  4. Select the correct policy term. ...
  5. Opt for a reputable life insurance provider.

Is health insurance worth it in India? ›

It is worth the money you spend because at least, you will ensure that your life savings are not wiped all of a sudden and that you don't have to borrow from others. If you pay health insurance for your family and your age is less than 60, you are eligible to receive a tax deduction of Rs 25,000.

Which is No 1 private insurance company India? ›

Best Life Insurance Companies in India
Life Insurance CompanyClaim Settlement Ratio 2020-21
HDFC Life Insurance98.01%View Plans
Aviva India Life Insurance98.01%View Plans
ICICI Prudential Life Insurance97.90%View Plans
Aditya Birla Sun Life Insurance98.04%View Plans
20 more rows

What is the best age to start health insurance in India? ›

If you can afford it, you should buy health insurance as soon as you turn 18 years old. Take a look at some of the reasons why buying health insurance at a younger age is a great idea: 1.

Which month is best for health insurance in India? ›

Get lump sum payout for

Health problems peak around the summer months and follow through the monsoons. Prominent water shortage and most likely contaminated water supply are the primary causes. So getting a health insurance plan as early as April is highly recommended.

Can I switch from one health insurance to another India? ›

Policyholders must file a portability request with the new insurance company at least 45 days before their existing policy renewal date. Also, notify the current insurance company in writing about the portability request by mentioning the new insurer.

How much does an average Indian spend on insurance? ›

Average Insurance Cost in India: 500-800 INR /month but it depends on the “type” of health insurance plan that you take. This is only for an estimate and can vary based on your coverage, sum insured, type, add-ons, benefits, etc.

Why health insurance is so expensive in India? ›

Lack of adequate healthcare infrastructure

India's healthcare infrastructure is still evolving. It lacks adequate facilities and resources to provide quality healthcare services. As a result, patients often have to opt for expensive private healthcare services, which further increases health insurance costs.

Which health insurance has best claim rate in India? ›

Insurance CompanyNetwork HospitalsClaim Settlement Ratio for FY 2021-22
Star Health and Allied Claim Settlement Ratio (CSR)Over 9,90078.62%
Kotak Mahindra Claim Settlement Ratio (CSR)Over 4,00096.38%
HDFC ERGO Claim Settlement Ratio (CSR)Over 10,00086.52%
IFFCO Tokio Claim Settlement Ratio (CSR)Over 5,00096.33%
6 more rows
Apr 25, 2023

Which is the most expensive life insurance in India? ›

India's most expensive policy: Closer to home, a policy4 was purchased with a premium of Rs 50 crore in Mumbai during the demonetisation wave. The record premium was paid by an individual for a pension plan.

What are the 3 main types of life insurance? ›

There are three main types of life insurance underwriting:
  • Fully underwritten life insurance.
  • Simplified issue life insurance.
  • Guaranteed issue life insurance.
Mar 28, 2023

Is term life insurance worth it in India? ›

A term insurance plan will help the family to meet their day to day expenses and accomplish the long-term financial goals too. Yes, it is worth buying a term insurance policy no matter what year it is. When compared to other types of life insurance products, a term insurance policy is much beneficial.

Is healthcare better in India or USA? ›

The US health infrastructure is ahead of India's on some of the basic metrics, though India is catching up. Today, the US is ahead of India in terms of infrastructure available per 1000 people. The number of doctors per 1000 in the US is 2.6, compared to 0.8 in India.

What does health insurance not cover in India? ›

  • Cosmetic Surgeries. ...
  • Pre-existing Illnesses. ...
  • Infertility/Pregnancy related complications. ...
  • Health Supplements. ...
  • Diseases related to Overconsumption of Alcohol. ...
  • Expenses incurred on Alternative Therapies. ...
  • Diagnostics Charges.

Is India healthcare expensive? ›

As is infamously quoted, India's Out-Of-Pocket-Expenditure (OOPE) for health is one of the highest in the world at 63 percent in 2018. Indians pay more money out of their pockets than some of the poorest countries in the world for availing healthcare.

Which insurance company has most complaints in India? ›

Among the private insurers HDFC Life topped the list with 52,402 complaints and was closely followed by Bajaj Allianz with 52,314 complaints. Birla Sun Life and Reliance life were in neck-to-neck race with 30,825 and 30,659 complaints. ICICI Pru Life and Max Life were close with 19,697 and 19,389 complaints.

Which is India 3rd strongest insurance brand globally? ›

The state-owned insurance behemoth 'Life Insurance Corporation (LIC)' has emerged as the third strongest and the tenth most valuable insurance brand globally, in Brand Finance Insurance 100 report for 2021.

Which is most popular health insurance company in India? ›

List of Best Health Insurance Companies in India
Health Insurance CompaniesNetwork HospitalsICR (2020-2021)
Reliance Health Insurance7300+93.96%
Star Health Insurance11000+94.44%
SBI Health Insurance6000+60.72%
Tata AIG Health Insurance7200+67.27%
20 more rows

How much does health insurance cost per month for one person in India? ›

According to data from MyInsuranceClub. com, a Rs 5 lakh family floater covering self, spouse and one child will cost anywhere between Rs 10,000 and Rs 17,000 annually. A Rs 5 lakh individual health plan will cost a 35-year-old Rs 4,000-7,000 a year.

Does health insurance premium increase every year in India? ›

Your Claim History

Some insurers increase the health insurance premium based on the amount or number of claim you raise in a year. However, not all insurers do this so you need to read the fine print before going for that health plan.

Does health insurance premium increase with age in India? ›

The health insurance premium is increased every year due to the various factors including inflation, age, claim history, and others.

Do most people in India have health insurance? ›

Around 75% of Indians pay for medical services from their pocket. They are not covered by any government or private health insurance scheme.

What are the major types of health insurance available in India? ›

7 Types of Health Insurance Policies in India
  • Individual Health Insurance. ...
  • Family Floater Health Insurance. ...
  • Group Health Insurance. ...
  • Senior Citizens Health Insurance. ...
  • Maternity Health Insurance. ...
  • Critical Illness Insurance. ...
  • Top-Up Health Insurance.

Which mediclaim is best for family? ›

Best Family Floater Health Insurance Policies In January 2023
  • Best Insurance Policies for Families.
  • HDFC Optima Restore- Family Plan.
  • Care Family Health Insurance:
  • Royal Sundaram Family Plus Health Insurance Plan.
  • Niva Bupa Health Companion Policy.
  • ICICI Lombard Complete Health Shield plan.
  • Tata AIG Medicare Premiere.

Can I use my US insurance in India? ›

Medical Coverage When Visiting India

Most U.S. health insurance plans do not cover overseas medical expenses, or have only limited coverage. Medicare does not cover health care outside the U.S. Travel medical insurance plans can help you in India if you become sick or injured.

Can I use US health insurance in India? ›

Yes. An NRI can buy a health insurance policy in India even if they already have medical insurance from a foreign insurer in their country of residence. Whether they are covered under the health policy offered by their employer or have purchased it on their own, they can buy the best medical insurance in India for NRI.

Can we use Indian health insurance in USA? ›

On the contrary, your standard health insurance from India may not cover you in the US. Even if it covers, the plans may not be recognized by the hospitals. You may have to pay the bills from your pocket and claim for reimbursement after you return to India.

How much does healthcare cost in India per person? ›

India healthcare spending for 2018 was $60, a 4.71% increase from 2017. India healthcare spending for 2017 was $58, a 5.03% decline from 2016.
India Healthcare Spending 2000-2023.
India Healthcare Spending - Historical Data
YearPer Capita (US $)% of GDP
17 more rows

What percent of people in India have health insurance? ›

To cope up with the rising healthcare costs, health insurance is a good option. Only 10% Indians have some form of health insurance, mostly inadequate. [2] This low proportion might be due to the lack of awareness about health insurance.

Who is paying for India's healthcare? ›

India has a multi-payer universal health care model that is paid for by a combination of public and private health insurance funds along with the element of almost entirely tax-funded public hospitals.

Why is it hard to get healthcare in India? ›

Lack of infrastructure

The government's spending on healthcare, the gap in demand and supply, and chronic shortages are some of the concerns that need urgent attention. Data suggests that India has 1.4 beds per 1,000 people, 1 doctor per 1,445 people, and 1.7 nurses per 1,000 people.

How much are medical bills in India? ›

What Is the Cost of Healthcare in India? According to NCBI, the estimated annual cost of universal healthcare is going to be ₹1,713 per person. This cost can increase by 24% for using branded medical supplies and drugs.

How much does healthcare cost India vs US? ›

India spends about $40 per person annually on health care; the United States spends $8,500. The entire GDP of India is $1.6 trillion; U.S. health care spending alone is $2.6 trillion.

Which is the cheapest mediclaim policy in India? ›

10 Cheapest Health Insurance Plans in India 2023
S NoInsurance CompaniesHealth Plans
1Care Health InsuranceCare Health Insurance Plan
2Go Digit Health InsuranceDigit Health Care Plus OPD Insurance Plan
3SBI General Health InsuranceSBI Aarogya Plus Plan
4ICICI Lombard Health InsuranceICICI Lombard Complete Health Insurance
6 more rows
Apr 25, 2023

Which health insurance has highest market share in India? ›

Which segment accounted for the largest India health insurance market share? b. Maharashtra dominated the India health insurance market with a share of 29.00% in 2022. In India, Maharashtra accounts for the largest percentage of insurance premiums.

Which is better HDFC Ergo or Max Bupa? ›

And they also boast a claim settlement ratio of 90.74%, with a network of more than 9,100+ hospitals.
Compare InsurancesHDFC Ergo Optima RestoreNiva Bupa (Max Bupa) ReAssure
Claim settlement ratio (avg. of last 3 years)97.55%90.74%
Room rentAny RoomAny Room
Disease sub-limitNoNo
11 more rows

What is premium for 50 lakh term insurance? ›

For CIDR (SA: Rs 5 lakhs, Gold variant with Term upto base plan )
AgePremium for 50 lakhs Term Insurance Plan (Monthly)Premium for 50 lakhs Term Insurance +Waiver of Premium Plus Rider# (Monthly)
20Rs. 372Rs. 384
30Rs. 505Rs 525
40Rs. 830Rs 890
50Rs. 1,551Rs 1,746
1 more row

How many Indians have life insurance in India? ›

Life insurance penetration in India was 3.2 per cent in 2021, almost twice more than the emerging markets and slightly above the global average.

Which is better HDFC life or SBI life? ›

The difference between SBI life and HDFC life is that they are two financial institutions in India.
Comparison of SBI Life vs HDFC Life.
ParameterSBI LifeHDFC Life
Claim Settlement Ratio94.52%99.07%.
Solvency Ratio2.151.91
Online AvailabilityYesYes
Life CoverUp to 99 yearsUp to 99 years
3 more rows

Which is better whole life or term life insurance? ›

Is whole life better than term life insurance? Whole life provides many benefits compared to a term life policy: it is permanent, it has a cash value investment component, and it provides more ways to protect your family's finances over the long term.

What are 3 things you need to consider when buying life insurance? ›

You'll want to consider several factors when calculating how much life insurance you need. These include your age, overall health, life expectancy, your income, your debts and your assets. If you've already built a sizable nest egg and you don't have much debt, you may not need as much coverage.

What life insurance policy never expires? ›

Permanent life insurance provides lifelong coverage as long as you pay your premiums. No matter when you die, your beneficiary will receive the death benefit payout. The primary kinds of permanent life insurance are: Whole life insurance: This type of policy lasts for the lifetime of the insured party.

Can foreigners buy term insurance in India? ›

You must provide a copy of your passport along with documents that provide details about your age and income. While purchasing term insurance plans, NRIs also have to provide documents relevant to their past medical history. The insurance provider will use these details to decide the premium amount they can offer.

What is the average life insurance premium in India? ›

The life insurance premium calculator India increases the premium if the sum assured is increased and decreases the premium when the sum assured is decreased.
Factors Affecting Life Insurance Price in India.
AgeAverage Price
For 20 Years Old660/-
For 30 Years Old890/-
For 40 Years Old1520/-
For 50 Years Old6000/-
1 more row

Which is good life insurance in India? ›

Life Insurance Corporation of India (LIC) is the most comprehensive government life insurance and Investment Corporation for insurance coverage needs. It is often considered one of the best insurance company in India.

What are three different types of health insurance available in India? ›

  • Medical Insurance. Mediclaim insurance compensates you for the hospitalisation expenses incurred due to illness or accidental stay. ...
  • Individual Insurance. Individual insurance policy is meant for an individual only. ...
  • Family Floater Plan. ...
  • Unit Linked Health Plans. ...
  • Group Mediclaim.

What are the top five health insurance plans? ›

The five largest health insurance companies by membership are UnitedHealth Group, Anthem, Aetna, Cigna and Humana. Currently insured? The top health insurers by market share are UnitedHealth Group, Anthem, Centene, Humana and Health Care Service Corp. (HCSC).

What is tier 1 and tier 2 in hdfc ergo? ›

There are 3 tiers: Tier 1A comprising of Delhi & NCR Tier 1B comprising of Mumbai including (Navi Mumbai, Thane and Kalyan), Pune, Ahmedabad, Vadodara and Surat Tier 2 comprising of Rest of India excluding those in 1A & 1B.

Which is best Icici Lombard or HDFC Ergo? ›

They are one of the leading insurance companies with over 270 branches spread across India.
Compare InsurancesHDFC Ergo Optima RestoreICICI Lombard iHealth Plus
Network hospitals12,000+6,700+
Claim settlement ratio (avg. of last 3 years)97.55%86.67%
Room rentAny RoomAny Room
11 more rows

Which state is number 1 in healthcare in India? ›

Kerala has again emerged as the top-ranking state in terms of overall health performance among larger states, while Uttar Pradesh is the worst, according to the fourth Health Index launched by Niti Aayog. The fourth round of the Health Index took into account the period 2019-20 (reference year).

Who is largest health insurer in India? ›

Which are the top health insurance policies in India?
  • Aditya Birla Activ Health + Multiply Fit Combo.
  • ICICI Lombard- Complete Health Insurance Policy.
  • STAR Health's Senior Citizens Red Carpet Health Policy.
  • HDFC ERGO My: Health Women Suraksha.
  • Care Youth Health Insurance plan.
  • Niva Bupa Health Pulse Policy.
Mar 20, 2023

What are the 2 most common health insurance plans? ›

Preferred provider organization (PPO) plan. Health maintenance organization (HMO) plan.

What is Indian health insurance called? ›

The Indian Health Service (IHS) is a part of the federal government that delivers health care to American Indians and Alaska Natives (AI/ANs) and provides funds for tribal and urban Indian health programs. Health insurance, on the other hand, pays for health care covered by your plan.


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