Home / Health / Critical Illness Health Insurance

Critical Illness Health Insurance

Compare India Health insurance quotes

Plan Type
Coverage type
Coverage State
Coverage City
Coverage amount
Date of birth
  OR age    years
Policy duration
Start date
End date
* Get insurance updates
Critical illness insurance, otherwise known as critical illness cover or a dread disease policy, is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy. A critical illness insurance policy covers the insured against life-threatening critical illnesses such as cancer, heart attack, renal failure etc. This insurance policy provides coverage in the form of a lump sum at the time of diagnosis of a covered illness, subject to crossing the survival period. The lump sum is the sum insured can be used for the treatment expenses and is not related to the actual expenses incurred for treatment.

critical illness insurance
If you are already covered under a comprehensive health insurance plan which can be a group cover from your employer and need extra insurance for life threatening situation then choose critical illness plan. Do not second guess as why buy another insurance and clutter coverage? In case if you are diagnosed with a critical ailment which may require specialized treatment and your basic health plan would consider that as a limit on doctor's fee and wont cover for full medical costs. In such cases you may avoid paying from your pocket if you have already purchased a Critical Illness Policy. These plans can cover for cap on specific expenses such as medicines, intensive care unit or prosthetic. Diseases like Cancer, Multiple Sclerosis, Paralysis, Coronary Artery Bypass Surgery, Major Organ Transplant, Primary Pulmonary Arterial, Hypertension, First Heart Attack, Stroke, Kidney Failure, Arota Graft Surgery, etc can be covered by insurers under these plans.

Key Features under Critical Illness Plans

  • Pays for the expensive treatments and much cheaper than an indemnity plan.
  • These plans offer fixed benefit coverage and insured will get full sum insured irrespective of whether hospitalized or not.
  • Most plans may have survival clause and the insured must survive for at least 30 days after diagnosed with critical illness to file claim.
  • The details of coverage and number of critical illnesses covered can vary from insurer to insurer.
  • Balancing between comprehensive health insurance policy and critical illness plan can give a good coverage.
Critical illness insurance was originally sold with the intention of providing financial protection to individuals following the diagnosis or treatment of an illness deemed critical. Critical illness should ideally be purchased by individuals along with a life insurance or term assurance policy or even with a standard health insurance cover. The claims received could be used to:
  • pay for the costs of the care and treatment;
  • pay for recuperation aids;
  • replace any lost income due to a decreasing ability to earn; or even
  • fund for a change in lifestyle
This insurance can provide financial protection to the policyholder or their dependents on the repayment of a home loan due to the policyholder contracting a critical illness condition or on the death of the policyholder. In this type of product design, some insurers may choose to structure the product to repay a portion of the outstanding home loan (Credit Shield) debt on the contracting of a critical illness, whilst the full outstanding mortgage debt would be repaid on the death of the policyholder. Alternatively, the full sum assured may be paid on diagnosis of the critical illness, but then no further payment is made on death, effectively making the critical illness payment an 'accelerated death payment'. Some employers may also take out critical illness insurance for their employees. This contract would be in the form of a group contract and has become an essential strategy used by employers around the world to both protect their employees financially as well as attract more employees to consider working for the company.
The table below will shed some light on the need for every individual to have a Critical Illness plan, especially given the prevalence of such a lifestyle for the average Indian:
Critical Illness Data Points (India) Some of the Causes
Heart Disease
  • Around 200 deaths/lac of population
  • Estimated that by 2030, 1 out of every 3 patients will be from India
  • Estimated to add around 1.6 million patients every year
  • In India 4 persons in the age group of 30-60 succumb every minute
  • Sedentary Lifestyle
  • Smoking / Excessive Alcohol
  • Cholesterol / Hypertension / Diabetes
  • Obesity
  • Genetics / Family History
  • Stress
  • Death from some type of cancer every 3 minutes
  • Almost 70% of cancer patients in India between 30-70 years
  • New Cases account of around 1.2 million every year
  • Expensive, uncontrollable treatment expenses
  • Tobacco
  • Excessive Alcohol
  • Pollution Exposure
  • Ultra Violet (UV) Ray exposure consistently
  • Sedentary Lifestyle
  • Genetics / Family History
Alzheimer’s Disease
  • Atleast 5% of the population suffer some form of this disease upto 65% of age
  • Early detection age has come down to 45-50 years from above 60 a couple of decades ago
  • India will be home to around 14.3 million patients in the next 25-30 years
  • Expensive treatment which is ongoing
  • Age
  • Family History
  • Head Injuries
  • Cardiovascular Problems
Kidney Ailments (Chronic Kidney Disease – CKD)
  • 150-230 persons per million suffering from End Stage Kidney Disease (ESKD)
  • Health Ministry estimates atleast 800 persons/million have some health issues related to the Kidney
  • Upto 275,000 persons require Renal Replacement Therapy (RRT) every year
  • Dialysis Expenses range between ₹20,000 – 30,000 per month
  • Diabetes
  • Lifestyle diseases
  • Smoking
  • Lack of fluid intake
  • Too much consumption of salt leading to Hypertension
  • Prevalence of Strokes in India range between 119-145 per lac of population
  • Prevalence higher in Rural areas than Urban areas
  • 1.8 million (18 lacs) people suffer a stroke in India every year
  • Leading cause of Disability apart from being one of the highest causes of death
  • Salt Intake/Hypertension / Blood Pressure
  • Sedentary Lifestyle
  • Stress

So what are some of the Features of Critical Illness Insurance Plans?

There are quite a few important features of Critical Illness insurance plans that one must note: Critical Illnesses (CI) Defined – The most important feature is that under the CI Plan Coverage, there are defined number of illnesses only covered. All insurance companies provide a list of the illnesses/ailments that are covered so that the applicant will be aware of what’s covered. Kindly note that any ailment/illness other than those named/listed by the insurance company will not be covered. Some important ones that all insurance companies cover include First Heart attack, Cancer, Kidney Failure, Stroke etc.

Survival Period – Every CI policy comes with a survival period benefit, this means that post detection of the critical illness, the insured will need to survive this period in order to ensure the claim becomes payable. This is normally 30 days. Hence for example, if one has suffered a Stroke, he/she will need to survive 30 days and then the claim is payable. This is important to note, so incase the insured unfortunately passes away during the survival period, then there is no claim paid by the insurer.

Single Lump-sum Payment - The insurer pays the sum insured as a single lump sum payment for the treatment of covered illnesses, subject to crossing the survival period. What is important is that since this is a fixed benefit plan, the sum insured is p aid in full, irrespective of the expense incurred. For example, if the Sum Insured of the policy is ₹5 lacs and the treatment expenses are only ₹3 lacs, the entire SI of ₹5 lacs will be paid to the insured.

Simple Claim Processing - The documentation at the time of a claim under the plan is very minimal given that the policy covers defined illnesses/conditions for which supporting documentation needs to be provided for the claim to be settled The claim can be easily settled based on the diagnosis report(s) submitted by the insured.

Income Tax Benefits under a CI Insurance Policy - The policyholder can avail tax deductions under the Income Tax Act, 1961. Tax exemption can be claimed upto ₹15,000 under Section 80D of the Income Tax Act, 1961. Senior citizens can avail tax benefit up to ₹20,000 under the same section.

Loss of Job / Income - Following a critical illness, it is most likely that the insured may need to stay away from work for a period of time or may even have to give up his/her job based on their health condition. Hence the claim is used as an income replacement for the insured.

Policy Termination on Claim Payment – Unlike a regular Indemnity based health insurance plan, in a CI policy, once the claim is settled on detection of a covered critical illness and crossing the survival period, the CI policy will automatically cease to be in force.

Compare Indian health insurance policies

Compare mediclaim insurance and buy the best medical insurance in India
Compare health insurance
Find the best Health insurance

What are the factors to keep in mind while buying a Critical Illness Plan?

There are quite a few factors to keep in mind while investing in a Critical Illness Plan:
Factor to be kept in mind Remarks
Should you buy a Standalone Critical Illness Insurance Policy or Critical Illness Insurance Rider? A standalone CI has a higher premium when compared to a rider, since it offers more comprehensive coverage when compared with the latter.
Number of Critical Illnesses Covered (Range from 6 – 40) The insurance company lists the exact illnesses covered under their plan. Important to note that no other illnesses/ailments will be covered
Sum Insured There are CI plans which offer coverage for even upto ₹100 lacs, one must opt for an optimum sum insured depending on their age, family history, pre existing medical conditions etc
Age of Insured This is an important factor which determines the coverage / premium for the CI plan.
Survival Period / Waiting Period All CI plans come with a survival period, normally 30 days, post which claims are settled. There is also a mandatory waiting period of 30 days from the start of the policy during which no claims are payable at all.
Maximum Entry Age Each plan has a maximum entry age after which the applicant will not be able to apply for a CI policy, this is normally 60-65 years.

What are some of the key Critical Illnesses Covered?

Some of the most covered Critical Illnesses across the insurance companies in India include:
  • Cancer
  • First Heart Attack
  • Open Heart Coronary Artery Bypass Grafting (CABG)
  • Open Heart Replacement Or Repair Of Heart Valves
  • Coma
  • Kidney Failure
  • Stroke
  • Major Organ Transplant
  • Bone Marrow Transplant
  • Permanent Paralysis Of Limbs
  • Motor Neuron Disease
  • Multiple Sclerosis
  • Aplastic Anaemia
  • Bacterial Meningitis
  • Loss Of Speech
  • End-Stage Liver Disease
  • End-Stage Lung Disease
  • Fulminant Viral Hepatitis
  • Major Burns
  • Muscular Dystrophy
  • Alzheimer’s disease
  • Aortic surgery
  • Aplastic anaemia
  • Benign Brain tumour
  • Blindness
  • Deafness
  • Paralysis
  • Parkinson’s disease
  • Severe burns
This list is not an exhaustive list of all covered Critical Illnesses by all insurers. Insurance companies cover different critical illnesses under different plans within their product offerings. Different insurance companies also have a different set of Critical Illnesses they cover…please go through their covered illnesses before deciding on the optimum plan for your requirement.

Health Insurance Plans vs Critical Illness Plans

These type of plans are also known as Fixed Benefit plans (Critical Illness) and Indemnity Based plans (Health Insurance) and the table below highlights the important differences between the two plan from an individual’s perspective. It is recommended that since both these plans are complimentary to each other, every individual should ideally have both plans for their protection.
Critical Illness Plans Health Insurance Plans
Pays a lumpsum upto Sum Insured on the occurrence of the covered event. Even if the actual expenses are less than the Sum Insured, the amount is settled in full. Reimbursement/cashless settlement only upto the actual expenses incurred irrespective of the Sum Insured
These plans cover only a limited / fixed set of benefits which are defined in the plan Most indemnity based health insurance plans offer wide ranging coverage for sickness to the insured
Policy / Plan expires in the event of a claim and the Sum Insured being settled to the insured Policy continues even after a claim is paid, coverage will remain upto the balance remaining Sum Insured (or back to 100% SI with Restore Benefit plans)
Fixed Benefit plans normally do not have a co-pay or deductible. Full Sum Insured settled to the insured Indemnity plans have a co-pay / deductible based on the plan chosen by the insured
Some Fixed Benefit Plan like Critical Illness have Survival periods (normally 30 days) after which expenses / SI becomes payable No Survival Period. Expenses from Day 1 of hospitalisation are payable under this plan.
Premium for these plans are relatively higher Premiums based on coverage/SI chosen, but cheaper when compared to Fixed Benefit plans
Normally chosen for covering Critical or Life Threatening ailments Purchased to cover more routine medical expenses following a sickness/accident

The WWWWWH of Critical Illness Cover?

Who Should buy CI? Ideally everyone needs this policy but let’s look at a few customer profiles:
  • Customer between ages of 35-65 irrespective of family medical history
  • Family patriarchs who are normally the income earners for the family. But ideally all income earners should have this plan
  • Persons with Pre-existing medical conditions like diabetes, hyper tension etc and family history relating to the same
  • Persons working in high pressure business environments which induce stress
  • Women – specifically those who believe they carry a risk of breast cancer
Why Should you buy CI? Given today’s lifestyle led by most Indians and given that we are unfortunately leaders in the world in terms of diabetes, cardiac issues, hypertension, increasing stress levels, pollution, having a CI policy to protect individuals financially is important
When Should you buy CI? At the earliest given opportunity, but most definitely if one is in the age group of 35-65 years.
What CI policy Should you buy? Do a market survey of the products and opt for a plan with the following:
  • Highest number of critical illnesses covered
  • Minimum survival period
  • Optimum Sum Insured supported with competitive premium
  • Financial strength of the insurance company and it’s capability to settle claims promptly
  • Minimum exclusions under the policy
Where should I buy CI from? If one would like to review and compare all the available CI plans in the market, visit a comparison website like https://www.eindiainsurance.com/ that provides information specific to Critical Illness plans.
How should I buy CI? Visit the website eindiainsurance and post deciding on the most suitable plan, one can purchase the same online following a simple three step process:
  • Enter your personal details and seek a quote for the required coverage
  • Compare the choose the ideal plan for your requirement
  • Fill in the online application form providing all the necessary details accurately
  • Make a payment through the payment gateway available online – post which the policy will be issued by the insurer

What are the documents that are required to be submitted for a Critical Illness claim?

The Insured will need to submit the below mentioned documents for the processing of Critical Illness Claim:
  • Identity proof of the claimant
  • Dully filled Claim form
  • Copy of Hospital summary/Discharge card/treatment advise / medical reference
  • Copy of Medical reports/records
  • Copy of Investigation reports
  • Doctor’s certificate
  • Any other relevant document as requested by the Insurer.
On receipt of claim documents from Insured, Insurer shall evaluate the admissibility of claim as per Policy terms and conditions. Upon satisfactory completion of assessment of the claim, the Insurer will make the payment of benefit as per the contract. In case if the claim is repudiated Insurer will inform the Insured about the same in writing with reason for repudiation. Lack of documents or medical certificates confirming the diagnosis of illness or undergoing of medical/surgical procedure will result in forfeiture of the claim.

In the event of any doubt regarding the appropriateness or correctness of the diagnosis, the Insurer shall have the right to call for an examination of the Insured in concurrence with Insured or his legal representative on the evidence used in arriving at such diagnosis, by a Medical Specialist appointed by the Insurer and the opinion of such Specialist as to such diagnosis shall be considered binding on both the Insured and the Insurer.

In the event of death of the Insured post the survival period, the immediate family member/relative of the Insured and claiming on Insured’s behalf must inform Insurer in writing immediately and send Insurer a copy of all the required documents to prove the cause of death within 14 days. Insurer upon acceptance of the admission of claim under the Policy shall make payment to the Insured or Nominee/legal heirs of the Insured, in case of the death of the Insured post the survival period.

Exclusions under the Critical Illness Policy

Some of the major exclusions under the CI policy are as follows. However go through the entire set of exclusions as available in the policy wordings received from the insurance company along with the policy kit.
  • Benefits will not be available for any Pre- Existing conditions or related condition(s) or any complications arising thereof for which Insured has been diagnosed, received medical treatment, had signs and / or symptoms, prior to inception of Insured’s first Policy, unless such a condition is stated in the Proposal form and specifically accepted by the Insurer and endorsed thereon
  • Insurer shall not be liable to make any payment under this Policy in connection with or in respect of any Insured Event during the Waiting Period as defined under the Policy
  • Any diseases causing the death of the Insured within the stipulated Survival Period, measured from the date of incidence of the illness
  • Any medical procedure or treatment, which is not medically necessary or not performed by a Medical Practitioner
  • Any congenital Illness/Conditions
  • Any Covered Critical Illness arising from Birth control procedures and/or hormone replacement therapy and any complications arising thereof from
  • Any treatment/surgery for change of sex or any cosmetic surgery or treatment/surgery /complications/illness arising as a consequence thereof
  • Any Covered Critical Illness arising from Treatment by a family member and self medication or any treatment that is NOT scientifically recognized and any complications arising thereof / there from
  • Attempted suicide (whether sane or insane) or intentionally self inflicted Injury or Illness
  • Sexually transmitted conditions, mental or nervous disorder, , Acquired Immune Deficiency Syndrome (AIDS), Human Immune deficiency Virus (HIV) infection
  • Use/Abuse of drugs, alcohol, or other intoxicants or hallucinogens unless properly prescribed by a Medical Practitioner and taken as prescribed
  • War, invasion, act of foreign enemy, hostilities (whether war be declared or not), armed or unarmed truce, civil war, mutiny, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, strikes
  • Participation in winter sports, skydiving/parachuting, hang gliding, bungee jumping, scuba diving, mountain climbing (where ropes or guides are customarily used), riding or driving in races or rallies using a motorized vehicle or bicycle, caving or pot-holing, hunting or equestrian activities, skin diving or other underwater activity, rafting or canoeing involving white water rapids, yachting or boating outside coastal waters (2 miles), participation in any Professional Sports, any bodily contact sport or any other hazardous or potentially dangerous sport for which Insured is untrained
  • Failure to seek or follow medical advice following the diagnosis of any illness/disease/injury
  • Serving in any branch of the Military or Armed Forces of any country, whether in peace or War
  • Participation in a criminal or unlawful act with a criminal intent.
  • Nuclear contamination, the radioactive, explosive or hazardous nature of nuclear fuel materials or property contaminated by nuclear fuel materials or accident arising from such nature
  • Genetic disorders and stem cell implantation / surgery/storage

Critical Illness Mediclaim

  • Star Criticare Plus insurance cover for 9 specified critical illness.
  • Criticare may be availed by an Individual or a Family (of 2 adults) on a Floater Basis.
  • CCare(formerly Religare) health insurance has designed - a comprehensive cover for as many as 20 Critical Illnesses along with Personal Accident cover.
  • Reliance Critical Illness policy will offer you the health coverage for 10 critical illness.
  • A critical illness plan means you can insure yourself against the risk of serious illness in much the same way as you insure your vehicles.
  • CritiCare is a Critical Illness insurance policy, which provides coverage for a set of 11 Critical Illnesses & Surgeries
  • Future Criticare offers a Monetary Lumpsum Cash benefit if the insured is detected with a Critical Illness and this plan covers 12 Critical Illnesses.
  • Most illnesses arrive unannounced and on today’s day and age, critical illnesses seem to be more prevalent than ever.
  • HDFC ERGO offers Lump Sum Benefit on first diagnosis any of 8 critical Illnesses
  • Chola Critical Healthline Insurance is a fixed benefits plan offering coverage for a specific list of critical illness.
  • The Critical Illness Insurance Policy of SBI General covers you against thirteen major critical diseases.
  • ManipalCigna Lifestyle Protection-Critical Care offers you payment of the entire Sum Insured on first diagnosis of 15 or 30 major illnesses and procedures.
  • Universal Sompo can help in reducing financial burden and concentrate on getting better treatment on diagnosis with Critical Illness.
tata-aig bajaj-allianz max-bupa religare reliance chola sbi-general univesral hdfc-ergo iffco Star health Future Generali ManipalCigna
TATA AIG Bajaj Allianz Max Bupa Care(formerly Religare) Reliance Cholamandalam SBI General Universal Sompo HDFC ERGO IFFCO Tokio Star Future Generali ManipalCigna
Brochure Brochure Brochure Brochure Brochure Brochure Brochure Brochure Brochure Brochure Brochure Brochure Brochure
Sum Insured (SI)
  • Minimum SI - 2.5lakhs
  • Maximum SI - 15 lakhs
SI available from 1,00,000 to Rs. 50,00,000 3 to 300 Lacs 10 Lacs | 25 Lacs | 50 Lacs | 1 Crore | 2 Crore SI to choose between Rs. 5 Lacs, 7 Lacs and 10 Lacs. Flexible SI (3 / 5 / 10)Lacs SI available up to Rs. 50 lacs Rs. 250000,Rs. 500000, Rs. 750000, Rs. 1000000, Rs. 1250000, Rs. 1500000, Rs. 1750000, Rs. 2000000 SI available from ₹100,000 to ₹50,00,000 - 2 to 10 Lacs 1 to 20 Lacs Up to Rs. 3 Crores
Coverage Type
Individual - Individual
Family floater option
Individual : Maximum up to 6 Persons - Individual,
spouse and dependent children
- Individual - Individual Individual Individual,
spouse and dependent children
Individual & Family Basis
Policy Term
1 year 1 year 1 year, 2 years or 3 years 1 year / 2 years / 3years 1 year and 3 years. - 2 plan options - 1 year and 3 years 1 year 1 and 2 years - 1 year - 1 Year, 2 Years and 3 Years
Eligibility Criteria
Age 18 - 65 years.
  • Proposer:
    18-65 years
  • Children:
    6-21 years
18 to 65 years (Maximum 2 children covered) 5 years to 50 Years on Individual Basis 18 yrs and above.​ Self / Spouse: 18-65 Years
Upto 3 Children: 05-65 Years
18 - 65 years Age: 18-65 years
Children: 5 – 25 years
Age 5 - 65 years Adults : 18 – 65 years, Children : 6 years to 25 years Age 18 - 65 years    
Renewal Period
Lifelong renewal Lifelong renewal Lifelong renewal Lifelong renewal - Lifelong renewal Lifelong renewal Lifelong renewal Lifetime renewal - Lifetime renewal Lifelong renewal Lifelong renewal
Critical Illness Covered
11 critical illness are covered 10 critical illness are covered 20 critical illness are covered 32 critical illness are covered 10 critical illness are covered Standard Plan: Covers 10 listed critical illnesses
Advanced Plan: Covers 12 listed critical illnesses plus ambulance charges of up to ₹1000.
13 critical illness are covered Cancer of specified severity Multiple sclerosis with persisting symptoms First heart attack of specified severity Open chest coronary artery bypass grafting Motor neuron disease with permanent symptoms Coma of specified severity Major organ/bone marrow transplant Kidney failure requiring dialysis Stroke resulting in permanent symptoms 15 critical illness are covered - - 12 critical illness are covered 30 critical illness are covered
Pre-existing Waiting Period
48 months - 48 months 4 years - 4 years - 4 years - - 48 months - -
General Waiting Period
90 Days from the inception of the policy
30 days or more, from the date of diagnosis
90 Days 90 Days 90 Days 90 Days 90 Days 90 Days 90 Days - 90 Days 90 Days 90 Days -
Income Tax Benefit
Section 80 D of the Income Tax. Section 80 D of the Income Tax. Section 80 D of the Income Tax. Section 80 D of the Income Tax. Section 80 D of the Income Tax. Section 80 D of the Income Tax. Section 80 D of the Income Tax. Section 80 D of the Income Tax. Section 80 D of the Income Tax. Section 80 D of the Income Tax. Section 80 D of the Income Tax. Section 80 D of the Income Tax. Section 80 D of the Income Tax.
Free Look Period
15 Days 15 Days 15 days to review the policy/30 days in case of 3-year policy - - 15 Days 15 Days 15 Days 15 Days 15 Days 15 Days -
Grace Period (from the date of expiry to renew the policy)
30 Days 30 Days - - - 30 Days - 30 Days - 30 Days 30 Days 30 Days -

FAQ’s regarding the Critical Illness Policy

Critical Illness is a stand-alone or rider plan, which covers a defined list of critical illness, which on detection will pay the sum insured/policy benefit as a one time lumpsum to the insured, subject to the crossing the defined survival period. It normally covers illnesses like first heart attack, cancer, multiple sclerosis, stroke, paralysis, kidney failure, Alzheimer’s etc.

This is the minimum defined period that the insured will need to survive after being detected with a covered critical illness. The insured is eligible for the policy benefit only on surviving this period. It is normally 30 days.

Given today’s lifestyle led by most Indians and given that we are unfortunately leaders in the world in terms of diabetes, cardiac issues, hypertension, increasing stress levels, pollution, having a CI policy to protect individuals financially is important. It is also important to note that the cost of treatment of such an illness is very high and could financially put an individual/family at financial risk to treat such an illness, this is where such a policy comes in handy.

One will need to submit age proof, address proof, income and identity proof while applying for this plan. Basis this application and the coverage opted for, the insurer may require a pre policy medical check up (PPC). The insurer may call for additional documents on a case to case basis.

Ideally review the following 1) Highest number of critical illnesses covered, 2) Minimum survival period, 3) Optimum Sum Insured supported with competitive premium, 4) Financial strength of the insurance company and it’s capability to settle claims promptly and 5) Minimum exclusions under the policy while choosing an appropriate plan.

This depends entire on Your age, number of dependents in the family, lifestyle pattern, city of residence, annual income and stability of job/income are important aspects to consider when determining the appropriate coverage required.

img Compare and Buy Mediclaim Insurance India
Insurance buyers can review and compare the benefits provided by different Indian mediclaim insurance products.
img Compare Critical Illness Plans
Buyers can review and compare the critical illness benefits provided by different Indian insurance products.

Get quotes for India health insurance!

Review and compare the best mediclaim insurance.
Compare health insurance quotes
Find the best Indian health insurance

India health insurance blogs and articles

health insurance India
Tips for buying best mediclaim insurance

India health insurance tips and tricks to choose the best medical insurance in India Click here to read more

Top reasons for health insurance claims rejection

Find out the different reasons why a medical insurance claim is rejected, Cashless hospitalization, Reimbursement. Click here to read more

India health insurance coverage, factors and premium calculator

Factors for medical insurance in India, How much is the premium and the coverage offered by India health insurance plans..Click here to read more

India health insurance useful links

How to buy online?

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque

Know more »

Health insurance benefits

Insurance customers can quickly compare the details of benefits offered under Indian mediclaim insurance policies.

Know more »

Compare health plans

Compare Indian health insurance policies, Health insurance India comparison

Know more »


Portability Information for Mediclaim Insurance in India

Know more »

India health insurance Blogs

Health Insurance Blogs - Information on health or medical insurance coverage in India.

Know more »

Health insurance FAQ

FAQ related to Indian health insurance. Get answers for any health insurance questions

Know more »

EIndia General Insurance Partners

  • Tata Aig
  • bajaj-allianz
  • reliance
  • cholamandalam
  • religare health Insurance
  • hdfc ergo health
  • Star Health
  • niva bupa
  • future generali
  • go digit
  • hdfc ergo
  • cigna ttk
  • universal sompo
  • SBI
  • iffco tokio
  • Cigna TTK
  • Aditya Birla
  • Raheja QBE
  • New India Logo
  • Oriental Logo
  • bharti axa health Insurance Plans
  • kotak

Indian Health Insurance Resources

CIN: U66000KA2018PTC117713 | IRDAI Web aggregator License Code Number: IRDAI / INT / WBA /53/ 2018, Valid till 07/08/2025