शनिवार, 30 जनवरी 2016

Best Health Insurance Companies / Plans in India 2016 ( Reviews & Comparison)

If you buy insurance for tax saving then heath insurances plans in India are best choice for you.Today we compare top 11 Indian health insurance companies plans. I give seniority wise ranking of these 2016 best health insurance plans on basis of network hospitals and reviews of So here are the best 11 health insurance plans of 2016:-
1. Star Health and Allied Insurance:-
Star Health and Allied Insurance company top health insurance plan cover Up to 4 family members (2 adults and 2 children). 
Star Health and Allied Insurance health insurance plan cover 30 days pre and 60 days post hospitalization expanses. 
Co-pay in Star Health and Allied Insurance is 20% for those 61 - 65 years old. (Co-pay is a fixed percentage of the hospital bill which you will wish to pay when you make a claim, while the balance amount will be paid by the insurance company. For e.g. If your policy has a 10% Co-Pay clause, it means for a Rs 100 claim, you have to pay Rs 10 while the insurer will pay Rs 90.).
The duration of coverage is Lifetime under this plan. 
Pre-existing disease cover is available After 4 years. Star Health and Allied Insurance has 6,000+ network hospitals so on basis of these network hospitals I rank this plan #1.
Star Health and Allied Insurance incurred claim ratio is 95.76% (Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website & public domain.) 
for more details and 2016 details you may visit company website here:-http://www.starhealth.in/ 
2. Bharti Axa General Insurance:-
Bharti Axa General Insurance company top health insurance plan cover Up to 4 family members (2 adult and 2 children). 
Bharti Axa General Insurance health insurance plan cover 30 days pre and 60 days post hospitalization expanses. 
Co-pay in Bharti Axa General Insurance is Nil. (That,s Great).
The duration of coverage is Lifetime. under this plan. Pre-existing disease cover is available After 4 years. 
Bharti Axa General Insurance has 5,000+ network hospitals so on basis of these network hospitals I rank this plan #2.
Bharti Axa General Insurance incurred claim ratio is 80.44% (Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website public domain.) for more details and 2016 details you may visit company website here:-https://www.bharti-axalife.com/ 
3. Universal Sompo General Insurance:-
Universal Sompo General Insurance company top health insurance plan cover Up to 4 family members (2 adults and 2 children). 
Universal Sompo General Insurance health insurance plan cover 60 days pre and 90 days post hospitalization. expanses. 
Co-pay in Universal Sompo General Insurance is 20% if insured person is over 55 years old.
The duration of coverage is Renewable up to 70 years of age. under this plan. Pre-existing disease cover is available After 3 years. 
Universal Sompo General Insurance has 5,000+ network hospitals so on basis of these network hospitals I rank this plan #3.
Universal Sompo General Insurance incurred claim ratio is 102.59% 
(Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website public domain.) for more details and 2016 details you may visit company website here:-http://www.universalsompo.com/ 
4. HDFC ERGO General Insurance:-
HDFC ERGO General Insurance company top health insurance plan cover Up to 4 family members (2 adult and 2 children). 
HDFC ERGO General Insurance health insurance plan cover 60 days pre and 90 days post hospitalization. expanses. 
Co-pay in HDFC ERGO General Insurance is "No co-pay". The duration of coverage is Lifetime. under this plan. Pre-existing disease cover is available After 4 years. 
HDFC ERGO General Insurance has 4,800+ network hospitals so on basis of these network hospitals I rank this plan #4.
HDFC ERGO General Insurance incurred claim ratio is 67.53% (Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website public domain.) for more details and 2016 details you may visit company website here:-https://www.hdfcergo.com/
5. Religare Health Insurance:-
Religare Health Insurance company top health insurance plan cover Up to 6 family members (with up to 2 adults). 
Religare Health Insurance health insurance plan cover 30 days pre and 60 days post hospitalization expanses. Co-pay in Religare Health Insurance is 20% on first claim only for those above 61 years of age.
The duration of coverage is Lifetime under this plan. Pre-existing disease cover is available After 4 years. 
Religare Health Insurance has 4,500+ network hospitals so on basis of these network hospitals I rank this plan #5.
Religare Health Insurance incurred claim ratio is Data unavailable. 
for more details and 2016 claim ratio details you may visit company website here:-http://www.religarehealthinsurance.com/ 
6. Apollo Munich Health Insurance:-
Apollo Munich Health Insurance company top health insurance plan cover Up to 6 family members (with up to 2 adults). 
Apollo Munich Health Insurance health insurance plan cover 60 days pre and 180 days post hospitalization. 
expanses. 
Co-pay in Apollo Munich Health Insurance is Nil. The duration of coverage is Lifetime under this plan. Pre-existing disease cover is available After 3 years. 
Apollo Munich Health Insurance has 4,000+ network hospitals so on basis of these network hospitals I rank this plan #6.
Apollo Munich Health Insurance incurred claim ratio is 58.20% 
(Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website.) for more details and 2016 details you may visit company website here:-http://www.apollomunichinsurance.com/ 
7. Bajaj Allianz General Insurance:-
Bajaj Allianz General Insurance company top health insurance plan cover Up to 6 family members (2 adults and 4 children). 
Bajaj Allianz General Insurance health insurance plan cover 60 days pre and 90 days post hospitalization expanses. 
Co-pay in Bajaj Allianz General Insurance is 10% in non-network hospitals. Waived off if 10% loading is paid on premium.
The duration of coverage is Lifetime. under this plan. Pre-existing disease cover is available After 4 years. Bajaj Allianz General Insurance has 3,700+ network hospitals so on basis of these network hospitals I rank this plan #7.
Bajaj Allianz General Insurance incurred claim ratio is 66.52% (Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website public domain.) for more details and 2016 details you may visit company website here:-https://www.bajajallianz.com/Corp/health-insurance/health-insurance.jsp 
8. Max Bupa Health Insurance:-
Max Bupa Health Insurance company top health insurance plan cover Up to 4 family members (2 adult and 2 children). Max Bupa Health Insurance health insurance plan cover 30 days pre and 60 days post hospitalization expanses. 
Co-pay in Max Bupa Health Insurance is 20% if insured is above 65 years of age. 
The duration of coverage is Lifetime under this plan. Pre-existing disease cover is available After 2 years. Max Bupa Health Insurance has 3,500+ network hospitals so on basis of these network hospitals I rank this plan #8.
Max Bupa Health Insurance incurred claim ratio is 56.15% (Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website public domain.) for more details and 2016 details you may visit company website here:-https://www.maxbupa.com/ 
9. IFFCO Tokio General Insurance:-
IFFCO Tokio General Insurance company top health insurance plan cover Up to 5 family members (up to 2 adults and 3 children) 
IFFCO Tokio General Insurance health insurance plan cover 60 days pre and 60 days post hospitalization. expanses. 
Co-pay in IFFCO Tokio General Insurance is No co-pay. 
The duration of coverage is Lifetime. under this plan. Pre-existing disease cover is available After 3 years. IFFCO Tokio General Insurance has 3,000+ network hospitals so on basis of these network hospitals I rank this plan #9.
IFFCO Tokio General Insurance incurred claim ratio is 85.79% (Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website public domain.) for more details and 2016 details you may visit company website here:-http://www.iffcotokio.co.in/health-insurance 
10. L&T General Insurance:-
L&T General Insurance company top health insurance plan cover Up to 4 family members (2 adult and 2 children). 
L&T General Insurance health insurance plan cover 60 days pre and 90 days post hospitalizationexpanses. 
Co-pay in L&T General Insurance is 10% if insured person is above 80 years old. 
The duration of coverage is Lifetime. under this plan. Pre-existing disease cover is available After 3 years. 
L&T General Insurance has 2,800+ network hospitals so on basis of these network hospitals I rank this plan #10.
L&T General Insurance incurred claim ratio is 183.40% (Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website  public domain.) for more details and 2016 details you may visit company website here:-http://www.ltinsurance.com/ 
11. New India Assurance:-
New India Assurance company top health insurance plan cover Up to 6 family members (2 adult and 4 children). 
New India Assurance health insurance plan cover 30 days pre and 60 days post hospitalization. expanses. Co-pay in New India Assurance is 10% on pre-existing medical conditions. 
The duration of coverage is Lifetime under this plan. Pre-existing disease cover is available After 4 years. New India Assurance has 1,200+ network hospitals so on basis of these network hospitals I rank this plan #11.
New India Assurance incurred claim ratio is 97.24% (Incurred Claim Ratio = Net Claims Incurred / Net Earned Premium. Figures above are for Financial Year 2013-14. The Information provided is available on the IRDA website public domain.) for more details and 2016 details you may visit company website here:-http://www.newindia.co.in/
Finally See this quick comparison between all of popular health insurances in India:-


Insurance providerCoveragePre and post hospitalization expenses coverCo-payRenewabilityPre-existing disease coverNetwork hospitals
Star Health and Allied InsuranceUp to 4 family members (2 adults and 2 children).30 days pre and 60 days post hospitalization20% for those 61 - 65 years old.LifetimeAfter 4 years6,000+
Bharti Axa General InsuranceUp to 4 family members (2 adult and 2 children).30 days pre and 60 days post hospitalizationNo co-pay.Lifetime.After 4 years5,000+
Universal Sompo General InsuranceUp to 4 family members (2 adults and 2 children).60 days pre and 90 days post hospitalization.20% if insured person is over 55 years old.Renewable up to 70 years of age.After 3 years5,000+
HDFC ERGO General InsuranceUp to 4 family members (2 adult and 2 children).60 days pre and 90 days post hospitalization.No co-pay.Lifetime.After 4 years4,800+
Religare Health InsuranceUp to 6 family members (with up to 2 adults).30 days pre and 60 days post hospitalization20% on first claim only for those above 61 years of age.LifetimeAfter 4 years4,500+
Apollo Munich Health InsuranceUp to 6 family members (with up to 2 adults).60 days pre and 180 days post hospitalization.No co-pay.LifetimeAfter 3 years4,000+
Bajaj Allianz General InsuranceUp to 6 family members (2 adults and 4 children).60 days pre and 90 days post hospitalization.10% in non-network hospitals. Waived off if 10% loading is paid on premium.Lifetime.After 4 years3,700+
Max Bupa Health InsuranceUp to 4 family members (2 adult and 2 children).30 days pre and 60 days post hospitalization20% if insured is above 65 years of age.LifetimeAfter 2 years3,500+
IFFCO Tokio General InsuranceUp to 5 family members (up to 2 adults and 3 children)60 days pre and 60 days post hospitalization.No co-pay.Lifetime.After 3 years3,000+
L&T General InsuranceUp to 4 family members (2 adult and 2 children).60 days pre and 90 days post hospitalization.10% if insured person is above 80 years old.Lifetime.After 3 years2,800+
New India AssuranceUp to 6 family members (2 adult and 4 children).30 days pre and 60 days post hospitalization.10% on pre-existing medical conditions.LifetimeAfter 4 years1,200+
Disclaimer:-Information given here is only for educational purpose, Author of this blog is not an insurance adviser so consult your insurance adviser before any final decision, no liability is accepted in any manner, check information data in company or IRDA website.
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