Policybazaar is one of India’s largest online insurance aggregators, offering various types of insurance, including hospital insurance (health insurance). They partner with multiple insurance companies to provide a wide range of policies. List of Health Insurance Companies Available on Policybazaar (India)
Here are some of the major health insurance providers available on Policybazaar:
Public Sector (Government) Health Insurance Companies:
- National Insurance Company
- Oriental Insurance Company
- New India Assurance Company
- United India Insurance Company
Private Sector Health Insurance Companies:
- HDFC ERGO Health Insurance (formerly Apollo Munich)
- ICICI Lombard Health Insurance
- Star Health & Allied Insurance
- Aditya Birla Health Insurance
- Bajaj Allianz Health Insurance
- Reliance General Health Insurance
- Care Health Insurance (formerly Religare)
- ManipalCigna Health Insurance
- Niva Bupa Health Insurance (formerly Max Bupa)
- Royal Sundaram Health Insurance
- SBI General Health Insurance
- Cholamandalam MS Health Insurance
- Future Generali Health Insurance
- Liberty General Health Insurance
- Raheja QBE Health Insurance
- Kotak Mahindra Health Insurance
Types of Hospital/Health Insurance Plans on Policybazaar
Individual Health Insurance
Family Floater Health Insurance
Senior Citizen Health Insurance
Critical Illness Insurance
Top-up & Super Top-up Plans
Group Health Insurance
Arogya Sanjeevani Policy (IRDAI-standardized plan)
How to Compare & Buy?
✔ Coverage amount
✔ Premium cost
✔ Network hospitals (cashless claims)
✔ Claim settlement ratio
✔ Add-ons like OPD, maternity, etc.
Would you like recommendations based on specific needs (e.g., low premium, high coverage, etc.)? Let me know!
Hospital insurance Policybazaar in India company review
Policybazaar is one of India’s leading online insurance aggregators, offering a wide range of insurance products, including health insurance, life insurance, motor insurance, and travel insurance. When it comes to hospital insurance (health insurance), Policybazaar acts as a marketplace where customers can compare policies from different insurers, check features, premiums, and buy the most suitable plan.
Policybazaar Hospital Insurance (Health Insurance) Review Here’s an overview of Policybazaar’s health insurance services based on customer feedback, pros, and cons: Pros
1. Wide Range of Options – Policybazaar partners with multiple insurers (e.g., HDFC Ergo, ICICI Lombard, Star Health, Max Bupa, etc.), allowing customers to compare policies easily.
2. Price Comparison – Users can check premiums, coverage, and benefits side by side.
3. Instant Policy Issuance – Many policies can be purchased instantly online.
4. Cashless Hospitalization – Policybazaar helps customers locate network hospitals for cashless treatment.
5. Customer Support – They provide assistance for claims, renewals, and policy-related queries.
6. Discounts & Offers – Frequent discounts on premiums and no-claim bonuses.
7. Transparency – Detailed policy wordings, inclusions, and exclusions are displayed.
Cons: Mis-selling Concerns – Some customers report agents pushing certain policies for higher commissions. Claim Settlement Not Guaranteed – Since Policybazaar is an aggregator, claim approval depends on the insurer Post-Sale Service Issues – A few users complain about delays in customer support after purchasing a policy. Hidden Terms – Some exclusions may not be clearly communicated at the time of purchase. Renewal Hassles – A few customers faced issues with automatic renewals or premium hikes.
Customer Feedback Summary (Based on Reviews) Positive Reviews highlight ease of comparison, quick policy issuance, and helpful customer care. Negative Reviews often mention claim rejection issues (due to insurer policies) and occasional mis-selling.
Best Health Insurance Policies on Policybazaar (Popular Choices)
1. HDFC Ergo Optima Secure – Good for comprehensive coverage.
2. ICICI Lombard Complete Health Insurance – Wide network hospitals.
3. Star Health Comprehensive Policy – Good for pre-existing conditions.
4. Niva Bupa (formerly Max Bupa) Health Companion – No claim bonus benefits.
5. Aditya Birla Activ Health – Wellness benefits included.
Should You Buy Hospital Insurance from Policybazaar?
Yes, if you want to compare multiple policies quickly and get the best deal. No, if you prefer dealing directly with insurers for claims (Policybazaar is just a mediator). Tips for Buying Health Insurance on Policybazaar Check Insurer’s Claim Settlement Ratio (CSR) before buying. Read policy documents carefully (exclusions, waiting periods). Verify network hospitals for cashless treatment. Use customer support for doubts before purchasing.
Final Verdict: 4/5 Policybazaar is a convenient platform for comparing and buying health insurance, but the actual claim experience depends on the insurer. Do thorough research before finalizing a policy. Would you like recommendations based on specific needs (e.g., family cover, senior citizens, critical illness)? Let me know!
Hospital insurance Policybazaar in India company price
The cost of hospital insurance (health insurance) from Policybazaar in India varies based on several factors, including: Key Factors Affecting Health Insurance Premiums
1. Age – Older individuals pay higher premiums.
2. Sum Insured – Higher coverage (e.g., ₹5L vs. ₹10L) increases the price.
3. Policy Type – Individual, family floater, or senior citizen plans have different costs.
4. Medical History – Pre-existing conditions may raise premiums.
5. Add-ons – Riders like critical illness or OPD coverage increase costs.
6. City/Tier – Metro cities (Tier 1) have higher premiums than smaller towns.
Approximate Premium Range (2024)
| Plan Type | Sum Insured | Age 30 (Annual Premium) | Age 50 (Annual Premium) |
| Individual | ₹5L | ₹6,000 – ₹10,000 | ₹15,000 – ₹25,000 |
| Family Floater (2 Adults + 2 Kids) | ₹10L | ₹12,000 – ₹20,000 | ₹25,000 – ₹40,000 |
| Senior Citizen | ₹5L | ₹20,000 – ₹35,000 | |
| Critical Illness (Add-on) | ₹5L-₹10L | +₹2,000 – ₹5,000 | +₹5,000 – ₹10,000 | |
Popular Policies on Policybazaar HDFC Ergo Optima Secure ICICI Lombard Complete Health Insurance Star Health Comprehensive Policy Max Bupa Health Companion Care Health Insurance (Formerly Religare)
How to Check Exact Premium? Visit [Policybazaar’s Health Insurance Page. Enter age, city, and required coverage. Compare real-time quotes from top insurers. Would you like a comparison for a specific age group or coverage? Let me know!
Best hospital insurance Policybazaar in India company
When it comes to choosing the best health insurance policy in India through Policybazaar, the ideal plan depends on factors like coverage, sum insured, network hospitals, claim settlement ratio, and premium affordability. Policybazaar is an online insurance aggregator that compares policies from top insurers, helping you pick the right one.
Top Health Insurance Plans Available on Policybazaar (2024) 1. Best for Comprehensive Coverage – HDFC ERGO Optima Secure Key Features: Covers pre & post-hospitalization No claim bonus up to 100% Lifetime renewability Cashless treatment in 12,000+ hospitals Best For: Individuals & families looking for extensive coverage.
2. Best for High Sum Insured – Niva Bupa ReAssure 2.0 Key Features: Sum insured up to ₹1 Crore No room rent capping Automatic recharge of sum insured Covers Ayush treatments Best For: Those seeking high coverage with premium flexibility.
3. Best for Senior Citizens – Star Health Senior Citizen Red Carpet Key Features: Coverage up to ₹25 Lakh Pre-existing diseases covered after 12 months Free health check-ups No pre-policy medical tests up to a certain age Best For: Elderly individuals (60+ years).
4. Best for Affordable Premiums – Care Health Insurance Care Policy Key Features: Low-cost premiums Restoration benefit once a year Covers daycare treatments Best For: Budget-conscious buyers.
5. Best for Maternity & Newborn Cover – Aditya Birla Activ Health Platinum Key Features: Maternity cover (after 2 years) Newborn baby cover from Day 1 Global coverage option Best For: Young couples planning a family.
How to Choose the Best Policy on Policybazaar?
✔ Compare premiums & benefits
✔ Check claim settlement ratio (CSR) of insurer (e.g., ICICI Lombard, HDFC ERGO have high CSR)
✔ Look for cashless hospital network
✔ Evaluate add-ons like critical illness, OPD, etc.
Final Verdict Best Overall: HDFC ERGO Optima Secure (Balanced coverage & benefits) Best for High Coverage: Niva Bupa ReAssure 2.0 Best for Seniors Star Health Senior Citizen Red Carpet
Would you like recommendations based on your age, city, or medical history? Let me know so I can suggest a more tailored plan!
Best OPD health insurance in India
When choosing the best OPD (Outpatient Department) health insurance in India, consider factors like coverage limits, network hospitals, claim process, and additional benefits. Here are some of the top OPD health insurance plans in India:
1. HDFC Ergo Health Optima Restore (with OPD Cover) Coverage: Covers doctor consultations, diagnostic tests, pharmacy bills, and dental treatments. Network: Wide network of hospitals and clinics. Claim Process: Cashless and reimbursement options. Additional Benefits: Restoration of sum insured, no-claim bonus.
2. Niva Bupa (Max Bupa) ReAssure 2.0 (with OPD Rider) Coverage: OPD expenses up to a specified limit (varies by plan). Network: Large network of partner clinics. Claim Process: Easy reimbursement via app.
Additional Benefits: Lifetime renewability, no room rent capping.
3. ICICI Lombard Health AdvantEdge (with OPD Add-on) Coverage: Doctor consultations, diagnostic tests, and pharmacy bills. Network: Extensive network of hospitals. Claim Process: Cashless and reimbursement options. Additional Benefits: Automatic recharge of sum insured, wellness benefits.
4. Star Health’s Senior Citizens Red Carpet (with OPD) Coverage: Best for senior citizens, covers OPD, diagnostics, and medicines. Network: Wide network of hospitals. Claim Process: Simple reimbursement process. Additional Benefits: Pre-existing disease coverage after waiting period.
5. Manipal Cigna ProHealth Plus (with OPD Cover Coverage: OPD, dental, and vision care. Network: Good network of clinics. Claim Process Hassle-free reimbursement. Additional Benefits: Global coverage, wellness rewards.
6. Aditya Birla Activ Health Platinum (with OPD Rider) Coverage: Doctor consultations, diagnostic tests, and pharmacy expenses. Network: Large network of hospitals. Claim Process: Cashless and reimbursement. Additional Benefits: No-claim bonus, gym membership discounts.
Key Factors to Consider When Choosing OPD Health Insurance: Coverage Limit: Check the annual OPD limit (e.g., ₹5,000–₹25,000) Network Hospitals/Clinics: Ensure your preferred doctors are covered Claim Process: Prefer cashless over reimbursement if possible. Waiting Period: Some plans have waiting periods for OPD claims. Premium Cost: Compare premiums vs. benefits.
Best for Whom? Best Overall: HDFC Ergo Health Optima Restore (good coverage + restoration benefit). Best for Seniors: Star Health Red Carpet (senior-friendly). Best for High OPD Cover: Niva Bupa ReAssure 2.0 (flexible riders). Would you like help comparing specific plans based on your needs? 😊
Policybazaar Health Insurance
Policybazaar Health Insurance is a popular online platform in India that allows users to compare and buy health insurance policies from various insurers. It provides a convenient way to evaluate different plans based on coverage, premiums, features, and customer reviews.
Key Features of Policybazaar Health Insurance:
1. Wide Range of Plans – Policies from top insurers like ICICI Lombard, HDFC Ergo, Star Health, Max Bupa, and more.
2. Comparison Tool – Easily compare premiums, coverage, inclusions, exclusions, and benefits.
3. Cashless Hospitalization– Access to a large network of hospitals for cashless treatment.
4. Pre & Post-Hospitalization Cover – Covers expenses before and after hospitalization.
5. No Claim Bonus (NCB) – Reward for not making claims (increased sum insured or discount).
6. Daycare Procedures – Coverage for treatments that don’t require 24-hour hospitalization.
7. Free Medical Check-ups – Some policies offer free health check-ups after a claim-free year.
8. Tax Benefits – Premiums paid are eligible for tax deductions under Section 80D.
9. Quick Claim Support – Assistance with claim settlement and documentation.
Popular Health Insurance Plans on Policybazaar: Aditya Birla Activ Health Platinum HDFC Ergo Optima Restore ICICI Lombard Complete Health Insurance Star Health Comprehensive Plan Max Bupa Health Companion
How to Buy Health Insurance on Policybazaar? Enter Details (Age, City, Family Members, Medical History)
Compare Plans (Premium, Coverage, Network Hospitals) Customize & Buy (Choose add-ons like critical illness, OPD cover) Instant Policy Issuance (Digital policy document via email)
Pros of Buying Through Policybazaar: Transparent Comparison Best Price Guarantee (No extra charges) Expert Advice (Free consultation) Instant Renewal & Portability Options
Cons: Online Process Only (No offline assistance) Too Many Options (Can be overwhelming for new buyers)
Who Should Buy? Individuals & Families looking for affordable coverage. Senior Citizens (specialized plans available). People with pre-existing conditions (after waiting period).
Final Verdict: Policybazaar simplifies health insurance purchase by offering multiple options in one place. However, always read policy terms, check network hospitals, and compare before buying. Would you like help choosing the best plan based on your needs?