Some years ago, Indians regarded health insurance as luxury, but now it is becoming a need for the Indians. Even though with the increasing disposable incomes, people find it difficult to afford for the hospital expenses for their loved ones and for themselves because of the increasing medical cost. When we have health insurance, we need not have to depend on our savings or for the generosity of our relatives and friends to meet our medical expenses. However, most of us has realized the importance of health insurance, some of us are confused about finding the right insurance policy and the insurance company.

If you are looking for the top health insurance companies in India, here are the details regarding the top health insurance companies and their policies in India:

Top six health insurance companies:

• Star health & allied insurance Company Limited

• Max Bupa Health Insurance

• Apollo Munich

• Reliance Health Insurance

• ICICI Lombard

• Bajaj Alliance General Insurance

Star health & allied insurance Company Limited:

Star health & allied insurance Company Limited is the first insurance company dedicated for health insurance in India. This company is known for its unique products like Ster Netplus, Diabetes Safe, which are designed for HIV and diabetic patients respectively. To deal with cashless cases, the company has in-house TPA and they have a unique feature, wherein customers can call their toll free number to get medical guidance from general physician.

Max Bupa Health Insurance:

Max Bupa Health Insurance is a joint venture between Bupa Group and Max India Limited and this company offers health care insurance to their customers all over the world. This company was established in the year 2010 and they have brought about changes in the health insurance sector through their innovative and customer-friendly products within a short period of their introduction. Their best product called as ‘Heartbeat’ is meant for meeting maternity cost of their women customers.

Apollo Munich:

Apollo Munich Health Insurance Company Limited was previously called as Apollo DKV Insurance Company Limited. They offer coverage for maternity after a waiting period and they bring changes in terms of customer-friendly features like portability and lifetime renewal benefits for existing policies, which indicated that you can take up a new policy from them and can get the continuation benefits for your existing policy with them.

Reliance Health Insurance:

Reliance is actually a general insurance company and they offer a number of good health insurance products as well. They cover critical illnesses under the health insurance policy offered by them. Normally the waiting period for health insurance sector for pre-existing illness is four years, but Reliance Health Insurance offer a reduced waiting period of two years and they offer wide range of health insurance policies for any person between the age group of 5 and 75 years.

ICICI Lombard:

ICICI Lombard is also a general insurance company offering different types of health insurance policies. Their best health insurance policy called as health advantage covers not only the expenses of hospitalization, but also the outpatient expenses like dental physician visits, up to a certain limit. Under this product they offer maternity coverage as well. They offer an interactive tool for their customers, which enable the customers to select a plan that will suit their requirements.

Bajaj Alliance General Insurance:

Bajaj Alliance General Insurance Company is a joint venture between the Alliance SE and the Bajaj Finserv Limited and some of their best products are star package, silver health for senior citizen, health guard, hospital cash. Their hospital cash policy offers a certain amount every day of the hospitalization of the policy holders.

Thus, these companies offer the best service of meeting the medical expenses of insurers, which are normally unprecedented and unpredictable.