Health Insurance Companies

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In India there are plenty of privately owned health insurance companies that have taken up a significant share in the market. However, there are a couple of publicly owned service providers in this domain as well.

Apollo Munich Health Insurance
Apollo Munich is among the leading providers of health insurance policies in India. Its claims settlement procedure is simple and quick - the organization normally pay for all the diseases and ailments that the policies cover and it also has the requisite expertise in the healthcare and health insurance. It also offers 100 percent lifetime renewal benefits.

Its health insurance plans for the individuals may be mentioned as below:
  • Easy Health Standard
  • Personal Accident Plan
  • Easy Health Exclusive
  • Optima Cash
  • Easy Health Premium
  • Optima Plus
  • Insure Health
  • Optima Restore Individual
  • Maxima Health
Apollo Munich also offers several health insurance plans for families:
  • Easy Health Standard
  • Maxima
  • Easy Health Exclusive
  • Optima Restore Family
  • Easy Health Premium
Bajaj Allianz
Bajaj Allianz provides a wide range of health insurance plans for its customers. They may be mentioned as below:
  • Family Floater Health Guard - insurance policy for family members
  • Women Specific Critical Illness Insurance - coverage against critical diseases like vaginal and breast cancer
  • Extra Care - additional health insurance plan for cover extension
  • Individual health plans
  • Silver Health Plan - for senior citizens
ICICI Lombard
ICICI Lombard provides a wide range of health insurance plans that cater to the different needs of its consumers:
  • Family Protect Premier - protection for family members against financial emergencies that result from surprise ailments
  • Personal Protect - global coverage against permanent total disablement and accidental death
  • Health Advantage Plus - extra coverage against Outpatient Department costs
  • Health Care Plus - sum insured protection and complimentary to present health insurance plans held by the policyholder
  • Critical Care - a lump sum coverage against critical ailments
Max Life Insurance
People willing to avail the health plans of Max Life Insurance can choose from any of the following options:
  • Max Life LifeLine MediCash Plus Plan - financial assistance in case of health related problems
  • Max Life LifeLine Safety Net - total protection in case of death, disability, disease, and accidents
  • Max Life LifeLine Wellness Plus Plan - coverage of 38 critical physical ailments and has a longer term of coverage. Also provides tax benefits
  • Max Life LifeLine Healthy Family Plan - total coverage for spouse, children, and parents in addition to the policyholder
MetLife
MetLife offers a couple of individual health plans - Met Health Care and Met Health Cash. Some features of Met Health Care may be enumerated as below:
  • Daily cash benefits selected by the policyholders to cover hospitalization costs
  • Lump sum amount in case of permanent and total disability owing to accidents
  • Lump sum amount for covering against 10 most critical ailments
Some features of the Met Health Cash plan could be mentioned as below:
  • Fixed daily hospitalization cash benefits (Fixed DHCB) opted by the policyholders to cover hospitalization costs
  • Coverage of family
  • Choices of Fixed DHCB for 10, 20, or 15 days a year
  • 10 percent discount on premium of each extra member
  • Choices of any Fixed DHCB amount within INR 1000 and INR 6000
  • No medical examinations
  • Coverage till 75 years
National Insurance Company
The National Insurance Company provides a wide range of health insurance solutions for its customers:

  • Critical Illness Policy - covers people in the age group of 20 to 65 years who have been diagnosed with coronary artery surgery, major organ transplant, cancer, stroke, renal failure, or multiple sclerosis
  • VARISTHA Mediclaim for Senior Citizens
  • Star National Swasthya Bima Policy - covers Bank of India account holders
  • BOI National Swasthya Bima - covers Bank of India account holders
  • VIDYARTHI Mediclaim for Students
  • Overseas Mediclaim - provides medical costs while traveling outside India
  • UCO Medi + Care Bima Policy - covers account holders of UCO Bank
  • Baroda Health Policy - covers account holders of Bank of Baroda
Reliance General Insurance
Reliance General Insurance offers 3 major health insurance plans:
Health Insurance
  • Zero restrictions on ICU expenses or room costs
  • Zero co-payment
  • No medical tests till 45 years
Personal Accident

  • Coverage against disablement or death
  • Convenient and simple claims procedures
  • Minimum documentation and maximum coverage
Critical Illness Insurance

  • Coverage against 10 important surgeries or illnesses
  • Sum insured range of INR 5 to INR 20 lakhs
  • No medical tests till 45 years
Royal Sundaram General Insurance
Consumers willing to avail health insurance products from Royal Sundaram General Insurance can avail any of the following:
  • Total HealthPlus - comes with accidental hospitalization and indexation benefits
  • Hospital Cash Insurance - cash benefit plan that works on a daily basis
  • Family Good Health
Star Health Insurance
Star Health Insurance offers a diverse range of health insurance products:
  • Family Health Optima
  • Senior Citizen Red Carpet
  • Medi Classic - covers healthcare treatments
  • Super Surplus - provides bigger coverage than basic plans
  • Star Health Gain - provides tax benefits
  • Star Unique Health - covers future and existing diseases and ailments
  • Star Wedding Gift
  • Star Criticare Plus - repays hospital expenditure due to illness or accidents
  • Diabetes Safe - covers patients suffering from Diabetes Mellitus Type II
  • Star Netplus - covers HIV positive patients
Tata AIA Life
Tata AIA Life is presently offering the following health insurance plans:
  • Tata AIA Life Health First - provides thorough cover for hospitalization, critical illness, and surgical expenses and complete settlement of amount irrespective of expenses
  • Tata AIA Life Health Investor - provides high coverage against 12 major ailments
  • Tata AIA Life Health Protector - choice between critical illness or cancer care benefit, term life benefit, accidental death benefit, and permanent and total disability as per individual requirements
  • Tata AIA Life Hospi CashBack - reimburses care, ambulance, and other expenses in addition to hospital costs
United India Insurance
The United India Insurance Company Limited offers six different health policies:

  • Family Medicare
  • Senior Citizen
  • Gold
  • Super Topup
  • Platinum
  • Topup
IFFCO TOKIO General Insurance
The consumers of IFFCO-TOKIO GENERAL INSURANCE can opt from the following health insurance plans:
  • Individual Medishield
  • Group Personal Accident
  • Swasthya Kavach (Family Health) Policy
  • Critical Illness Policy
New India Assurance
New India Assurance offers a wide range of health insurance solutions in its Personal Insurance segment:
  • Mediclaim 2007 Policy
  • Janata Mediclaim Policy
  • Family Floater Mediclaim Policy
  • Overseas Mediclaim Policy
  • Senior Citizen Mediclaim Policy
  • Group Mediclaim Policy
In the Social Insurance segment the following health insurance plans are available:
  • Universal Health Insurance Scheme for APL Families
  • Universal Health Insurance Scheme for BPL Families
Oriental Insurance
The health insurance plans of Oriental Insurance may be enumerated as below:
  • Bhavishya Arogya
  • Oriental Bank Mediclaim Policy
  • Flight Coupon
  • Overseas Mediclaim Business and Holiday
  • Gramin Accident Insurance
  • Overseas Mediclaim Employment and Study
  • Group Mediclaim Policy
  • Personal Accident - Group
  • Individual Mediclaim Policy
  • Personal Accident - Individual
  • Jan Arogya Bima
  • Personal Accident - School Children
  • Janata Personal Accident Policy
  • PNB - Oriental Royal Mediclaim Policy
  • Nagrik Suraksha Policy
  • Universal Health Insurance Scheme
Cholamandalam MS General Insurance
Cholamandalam MS General Insurance offers a diverse group of health insurance solutions:
  • Top up Healthline
  • Individual Healthline
  • Hospital Cash
  • Individual Health
  • Family Healthline
  • Family Health
  • Critical Healthline
HDFC Ergo
HDFC Ergo provides two major health insurance plans - Health Suraksha and Critical Illness. With Health Suraksha the following areas are covered:
  • Pre hospitalization expenses
  • Cumulative bonus
  • Post hospitalization expenses
  • Minimum expenses
  • Medical check ups
The Critical Illness program assists the policyholders when they are suffering from a major ailment with a substantial amount to cover their various expenses.

FUTURE GENERALI

The Future Health Suraksha Family program of FUTURE GENERALI offers the following facilities:
  • Family floater
  • Fast claims settlement
  • Cashless settlement
  • Renewal discount
  • Groundbreaking covers
  • Cumulative bonus
Universal Sompo General Insurance
The Individual Health Insurance Policy of Universal Sompo General Insurance provides the hospitalization expenses and associated costs incurred during the policy tenure.

The Group Health Insurance Policy is primarily meant for employees in manufacturing or trading sectors. It is also open to members of the following entities:

  • Institutions
  • Associations
  • Societies
  • Club
Bharti AXA General Insurance
Bharti AXA General Insurance offers several rewarding health insurance plans:
  • Smart Health Insurance
  • Smart Health Essential Insurance
  • Smart Health Critical Illness Insurance
  • Smart Health High Deductible Insurance
L&T Insurance
The my:health Medisure Prime Insurance health plan of L&T Insurance has been created keeping in mind the different requirements of various members in a family.

The my:health Personal Accident Insurance plan is designed with respect to the lifestyle of the policyholders and aims to provide them an adequate financial cover.

With the my:jeevika Personal Accident Micro Insurance there is comprehensive and economically viable coverage provided for the policyholders and their families in case of accidents.

The my:jeevika [email protected] Micro Insurance deals with hospitalization expenses and provides daily cash allowance whose amount varies in accordance to the plan the policyholder has opted for.

RELIGARE Health Insurance
The health insurance plans of RELIGARE, referred to as Care, offer the following benefits for the policyholders:
  • Yearly health check up for insured members
  • Daily allowance for incidental costs
  • Automatic recharge policy in case coverage is lesser than claim
  • Zero addition to premiums for claims
  • Zero upper limits
  • Cashless treatment
  • Global treatment facilities
  • Claims settlement by company itself


Tata AIG Insurance
The health and accident insurance policies of Tata AIG Insurance may be mentioned as below:
  • MediPrime
  • Secured Future Plan
  • Wellsurance Executive
  • Secured Income Plan
  • Wellsurance Family
  • Maharaksha
  • Wellsurance Woman
  • Individual Accident & Sickness Hospital Cash
  • Accident Guard
  • Criticare
  • Income Guard
  • Group Accident and Sickness Hospital Cash


Last Updated on 08/08/2012



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