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All about: Health insurance in India

There are a number of companies offering health insurance in India, including ICICI Lombard, Star Health, Royal Sundaram, and Max Bupa. It is presently estimated that the health insurance sector will grow exponentially from the current Rs. 8100 crores to about Rs. 30000 crores in five years.

Health insurance schemes in India

Types of health insurance A health insurance policy in India includes payment of monthly premiums which are based on your health, age, and the sum insured. This medical insurance policy covers the costs of hospitalisation which may be caused due to diseases or accidents. Some of the types of health insurance schemes which are available in India include the individual, family, group insurance, and senior citizens health insurance.
Tax benefits of health insurance
Health insurance policies in India also have the advantage of providing tax benefits. You can claim redemption from taxes when you pay premium of such health insurance schemes. Having a medical insurance scheme has become mandatory given the rising costs of hospitalisation and medicines.

Private health insurance companies in India

There are public and private insurance companies providing health insurance in India. Among the private companies, Royal Sundaram, Star health, and ICICI Lombard are quite popular. Royal Sundaram Health Insurance: The facts When you buy a Royal Sundaram Health Insurance policy, it covers all the costs of hospitalisation, including the expenses associated with 30 days of pre-hospitalisation and 60 days of
post-hospitalisation. The pre-exisiting diseases are covered from the sixth year of insurance subject to the condition that the insurer renews the policy for five years. Star Health insurance: The facts Another leading private health insurance company is the star health insurance. It is India’s exclusive health insurance company. The star health insurance schemes have several appealing features including a cashless hospitalisation facility, faster settlement of health insurance claims with no involvement of third party transfer. It also provides an absolutely free consultation with expert doctors at any time of the day. This health insurance company has tie-ups with as many as 4600 prominent hospitals throughout India.

ICICI Lombard: The facts

ICICI Lombard is a leading private medical insurance company in India. It offers some of the best medical insurance schemes to secure the cost of treatment and hospitalisation incurred to an individual or its family members. There are quite a few medical insurance schemes provided by ICICI Lombard. These include the family floater health insurance policy, Health Advantage Plus Insurance Policy, Individual Personal Accident Insurance Policy, and Critical Care - Health Insurance Policy.

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