Health is important and health insurance is more important but now the question arises that do you know the best health insurance companies in India? You just can’t invest your money in any company, can you? Apart from this do you even know how health insurance works? What the whole procedure is?
These are really common but important questions, it is important for you to know all the answers, So, I welcome you to this post where we will be sharing the best health insurance companies in India and everything you know before choosing the best health insurance company for you. Without any further delay, let’s get started.
Best Health Insurance Companies in India
Let’s dig deep and know more about the top 10 health insurance companies in India.
1. IFFCO Tokio General Insurance
If you want a low premium health insurance company in India, then IFFCO Tokio General Insurance is the best product for you. IFFCO Tokio General Insurance offers a low premium health insurance policy to its customers. The benefits of this health policy are free hospitalization, 60% reimbursement of the medical expenses, and 18 days of holiday.
It is a general insurance company that apart from health insurance plans, sells car insurance plans, bike insurance plans, travel insurance plans, home insurance plans, and corporate policies like property insurance and liability insurance. You can have a variety of health insurance plans for your different kinds of purposes.
2. ManipalCigna Health Insurance
Manipal Cigna Health Insurance is a health insurance company in India with hospitals and clinics across all parts of the country. It offers a variety of health insurance plans for different purposes such as individual insurance and family coverage., and senior citizen health insurance plans. The insurer has over 5000 group hospitals that include Max Hospital, New Manipal Hospitals, Physician-Hospital, etc. The insurer has over 5000 group clinics that include Medanta Medicity, Suvarna Hospital, Paras Hospitals, etc.
The company offers a wide range of insurance solutions like personal accident plans, top-up health insurance plans., individual health insurance plans, daily cash plans, etc, and yes for most of all this company is very trusted so you don’t have to be a worry at all. This could be the best choice for you.
3. Care Health Insurance
Care health insurance used to known as Religare Health Insurance is a joint venture of Reliance Enterprises Limited, Union Bank of India, and Corporation Bank. The insurance company offers a broad range of health plans that cater to various individual needs. In addition to this, the insurance company also offers a family health cover plan, hospitalization cover plan, and health care for senior citizens plans.
Some of the plans that the insurance company offers include Care Freedom, Care, and Care Senior Policy. These plans come with different features and coverage benefits that suit different requirements of individuals at affordable premiums. You should definitely give them a chance who knows you will love them.
4. HDFC Ergo General Insurance
HDFC Ergo General Insurance is a joint venture between HDFC Limited and ERGO International AG. The company is an Indian multinational general insurance company. The company has operations in South Asia, the Middle East, Africa, and Germany. HDFC Ergo General Insurance offers a wide range of health insurance plans for individuals seeking affordable health policies.
This company is definitely trustworthy, the wide-ranging insurance company that offers health insurance plans. These include individual health insurance plans, family floater health insurance plans, senior citizen health insurance plans, maternity insurance plans, health insurance for children, etc.
5. Magma HDI Insurance
It is a very popular health insurance company and I am sure you must have heard of it, so how can we leave this amazing health insurance company from our list. The company offers a wide range of health care products and services to its customers. Some of the plans offered by the insurance company include family floater health, maternity, child, senior citizen, critical illness, personal accident plans., etc. These plans are affordable and cater to various individual needs of customers.
I have personally used their service and I would say this health insurance company provides you great service and yes this is really a trustworthy health insurance company, so I would highly recommend you to go for this insurance company.
6. Navi Health Insurance
Navi Health Insurance is a joint venture between The Navi Mumbai Municipal Corporation and HDFC. The company offers a wide range of health plans that cater to various individual and family needs and requirements. If you want affordable plans then this health insurance company is just for you.
This health insurance company helps Indians by making health insurance simple and affordable and accessible, which is really appreciable. The best thing about this health insurance company is it just not offers general health insurance but also offers car insurance plans, bike insurance plans, property insurance plans, gadget insurance plans, and commercial insurance plans.
7. The Oriental Insurance Company
The Oriental Insurance Company is a leading insurance company that offers its customers various health insurance plans. These include personal accident insurance, family floater health insurance plans, dental, vision, hospitalization which are all under the one umbrella called The Oriental Health Plan. The company is a social enterprise that aims to make health care more affordable and accessible to people in need.
The Oriental Insurance Company is a social enterprise that focuses on the provision of affordable healthcare for its customers. The company aims to make health care more accessible and affordable for people with the help of its health insurance plans. The Citizen Community Health Plan provides comprehensive coverage to policyholders at low premiums.
8. Max Bupa Health Insurance
Max Bupa Health Insurance is a joint venture between Max Bupa Health and AIA (American International Assurance Companies). The insurance company offers a wide range of health insurance plans that cater to the requirements of individuals and families in India. It offers a broad range of health plans such as family floater, critical illness, hospitalization, maternity, personal accident, and income protection. These plans cater to various individual and family needs in India.
This company offers a different kind of plans that comes with different features and coverage benefits that you can choose as per your budget and other needs. Some popular health insurance plans offered by the insurer are Health Premia, Health Companion, ReAssure, and MoneySaver Policy. These come with different sum insured options, that you can choose as per your requirement.
9. Bajaj Allianz General Insurance
Bajaj Allianz General Insurance is a joint venture between Bajaj Auto and Allianz company. The insurance company offers a wide range of health care products and services to its customers. The plans offered by the insurer are Hospitalization plan, Life Assurance plan, Personal Accident plan, Hospitalization Plus Pension, Income Protection Plans- Health Income Protection Plans, Pet Health Insurance.
This company is one of the largest private insurers in the industry, Bajaj Allianz has its offices in more than 11 cities and towns so you should not worry about their service at all, and apart from being famous this health insurance company is totally trustworthy so yes you can go for this health insurance company.
10. New India General Insurance
This is our last health insurance company on our list but it is as good as the first one we mentioned in our list. New India General Insurance is a joint venture between New India Assurance Company and Standard Life of the UK. The insurance company has more than 250 products including different types of health insurance plans for different sections of society.
The company offers a wide range of health insurance plans that cater to individual and family health care requirements. It offers a comprehensive range of products and services such as critical illness, hospitalization, maternity, personal accident plans, dental, vision, etc. These plans come with various features and coverage benefits that suit the needs of individual customers at affordable prices.
How to choose the best health insurance company
If you are looking for affordable health insurance plans in India, then there are various ways in which you can choose the best insurance company based on your requirements. Some of the most popular options in this regard are discussed below.
1. Health Assessment before purchasing a health insurance plan
Before opting for any health insurance plan, it is important that you take a health assessment to check whether or not you meet the criteria for such a policy. This is because the health insurance policies are available only to those who meet the criteria. For example, if you have a disability or chronic disease, then it is important that you take a health assessment before purchasing any health plan.
2. Health Assessment by a professional agency
In case you do not have time to do a full assessment on your own, then it is suitable that you engage a professional agency to conduct a series of assessments on your behalf. These professionals are known to be the most qualified health assessors in India. The assessment will address various aspects of your health, such as your medical history and lifestyle in order to find out whether or not you meet the criteria. Once these assessments reveal that you do not meet the criteria for a health insurance plan, then you can consider other choices available for you.
3. Purchasing a health insurance plan online
In case you do not have time to go through the process of purchasing health insurance plans from the market, then you can purchase them from the internet. There are various portals available that offer a large number of insurance products and services for individual and family requirements at affordable prices. Some of the top portals available in this regard include Policybazaar, direct insurance online, The advantage of these portals is that you can compare various options available for you before making a decision.
4. Carrying out comprehensive health assessments for you and your family
You can also make use of online portals that offer comprehensive health assessments for you and your family. These multi-city portals are very popular among people because they provide affordable solutions to various medical problems in one place. Some of the popular portals available for this purpose are DoctorConnect, MedPlus, and Healthkart. It is important that you choose a portal that offers a wide range of health care options along with easy accessibility for customers.
5. Buying a health insurance plan from a broker
In case you do not have time to go through the whole process of buying a health insurance plan from the market, then you can purchase it from a broker. The most popular company in this regard is MediaMath. It produces a wide range of health insurance plans that cater to individual and family needs in India at very affordable prices.
Frequently Asked Questions (faqs)
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Which health insurance company is best among all?
Not all the companies that see are trustable and best, but these companies that we mentioned in our post are all best from each other, no matter which one you pick, you will get an amazing response, and if you ask my personal opinion then I like HDFC Ergo General Insurance.
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Is it even worth having health insurance?
We can get sick anytime, who knows if we get any serious problem or not, and if you have health insurance in that case then you can save your a lot of money so yes I would say it is totally worth it, who knows how come we need health insurance anytime.
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Can I port my health insurance policy to another company?
Yes, you can easily port your health insurance policy to another company. As per IRDA, it is totally in your rights.
Wrapping up!
Health is the factor that you cannot avoid, if something goes up and down it can be really serious, so health insurance is really important nowadays, but the question arises which health insurance company. We are asked by many people that what are the best health insurance companies in India from that they could buy a health insurance plan.
We decided to write a post about the best health insurance companies in India so that all the people who are struggling to choose their best company for a health insurance plan can get help from this. No matter which health insurance company you chose, it will be the best for you, we personally reviewed each company and all the companies are the best and it is totally worth buying their health insurance plans.
We hope that you liked our article and found something useful, If you like this article then please share this with your family and friends and especially those who are confused between companies, they will get help from this post. Do not forget to tell us which health insurance company you chose and which health insurance company you liked the most in the comment section, we will get to you ASAP!. Till then STAY HEALTHY.