Health Insurance

One hospitalization. That's all it takes to destroy everything you've built. Medical bills don't care about your savings, your dreams, or your children's future. With healthcare costs jumping 14% yearly—double normal inflation—not having health insurance is gambling with your family's survival.

Starting at just Rs.10/day, protect your entire family with comprehensive coverage that includes cashless hospitalization at 4,000+ hospitals, zero waiting periods for critical illnesses, and pre-existing disease coverage that actually pays when you need it. Family floater plans, senior citizen policies, critical illness covers—compare hundreds of options to find what works for YOUR family. Layer government schemes like Ayushman Bharat for extra protection. Searching “cheapest health insurance near me” won't help if it denies your claim. Smart choices save lives AND money. Combine with life insurance for unbreakable financial security.

Understanding policy exclusions, co-payment traps (you pay 30% from pocket!), sub-limits capping treatments, and claim settlement ratios requires expert eyes. The policy that seems cheap today can bankrupt you tomorrow when the hospital demands upfront payment and your insurer finds excuses to reject.

Don't wait for a medical emergency to realize you're uninsured or underinsured. NiveshKaro connects you with certified advisors who find the best coverage, handle claim settlements, fight for your rights, and ensure your family never battles alone—at zero cost. Get protected today, before it's too late.

Health Claim Settlement Ratio FY20 - 56.25%

Cholamandalam MS Gen Ins

Health Claim Settlement Ratio FY20 - 70.81%

Aditya Birla Health Insurance

Health Claim Settlement Ratio FY20 - 75.45%

Kotak Mahindra Gen Ins

Health Claim Settlement Ratio FY20 - 95.47%

Care Health Insurance

Health Claim Settlement Ratio FY20 - 89.46%

Max Bupa Health Insurance

Health Claim Settlement Ratio FY20 - 66.08%

SBI General Insurance

Health Claim Settlement Ratio FY20 - 70.75%

Universal Sompo General

Health Claim Settlement Ratio FY20 - 78.62%

Star Health Insurance

Health Claim Settlement Ratio FY20 - 86.52%

HDFC ERGO General Insurance

Health Claim Settlement Ratio FY20 - 76.04%

Tata AIG General Insurance

Health Claim Settlement Ratio FY20 - 78.03%

United India Insurance Company

Health Claim Settlement Ratio FY20 - 76.43%

Reliance General Insurance

Health Claim Settlement Ratio FY20 - 93.96%

The Oriental Insurance

Health Claim Settlement Ratio FY20 - 96.33%

IFFCO Tokio General Insurance

Health Claim Settlement Ratio FY20 - 92.68%

New India General Insurance

Health Claim Settlement Ratio FY20 - 78.67%

ICICI Lombard General Insurance

Health Claim Settlement Ratio FY20 - 83.78%

National Insurance Company

Claim Settlement Ratio FY20 - 92.24%

Bajaj Allianz General Insurance

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