Health Insurance In Bangalore

Top Plans in Bangalore
Benefits of Health Insurance
Tips to Buy the Best One

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Bangalore: From Pioneering Tech to Your Health's Future

Bangalore is a city that thrives on innovation. From powering the tech scene of the nation to electrifying its streets with a first-of-its-kind lighting system. But have ever thought about safeguarding your well-being in Bangalore? Health insurance is the best way to protect you from unexpected health problems.

Health insurance in Bangalore can be beneficial as it gives overall protection in case there is an emergency with you or your family.

Check out the health insurance plans in Bangalore.

Top Health Insurance Plans in Bangalore

Niva Bupa Aspire Plan

This plan is designed for youngsters and allows the policyholder to go overseas for treatments.

Unique Features

Exclusive maternity benefits
Adoption is included
Borderless facilities

Niva Bupa Aspire Plan (Pros)

Overseas treatment coverage
Booster benefit
Covers organ donor transplant
Second medical opinion
Teleconsultation

Niva Bupa Aspire Plan (Cons)

No suicide cover
No war injury cover
Baby food & utility charges excluded
Laundry charges excluded
No certificate charges

Niva Bupa Aspire Plan (Other Benefits)

4 unique variants of the plan
Cash-bag benefit
WellConsult OPD Wallet
Cashless claim settlement
AYUSH Treatment

Niva Bupa Aspire Plan (Eligibility Criteria)

Entry age - 18 years
Max entry age - No AgeLimit
SI - INR 3L to 1 Cr
Waiting Period - 30 days

Star Health Assure Insurance Policy

A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.

Unique Features

Premium Payment Flexibility
Wellness Program
Short Waiting Period

Assure Insurance Policy (Pros)

Second Medical Opinion
Health Check-up Covered
100% Cumulative Bonus
Compassionate Travel
AYUSH Treatment

Assure Insurance Policy (Cons)

10% Co-pay applicable
Deductibles
HIV/AIDS not covered
Cosmetic Surgery unavailable
Injuries due to breach of law

Assure Insurance Policy (Other Benefits)

In Utero Fetal Surgery
Pain Management
Rehabilitation Cover
Organ Donor Cover
Modern Treatment Cover

Assure Insurance Policy (Eligibility Criteria)

Entry Age - 18 Years
Max Entry Age - 75 Years
SI - 5 L - 2 Cr
Waiting Period - 30 Days

NivaBupa Senior First

A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.

Unique Features

Coverage for modern treatments
Multiple co-payment options
Unlimited SI restoration

NivaBupa Senior First (Pros)

3 Variant Available
No pre-issuance medical tests
Day 1 Health Check-up
Safeguard (Add-on)
Day Care Treatment

NivaBupa Senior First (Cons)

No Critical Illness Cover
50% Co-payment
No Specific Diseases Covered
No Pre-existing Disease Cover
Self Inflicted Injuriesnot covered

NivaBupa Senior First (Other Benefits)

ReAssure Benefit
Domiciliary Hospitalization
Organ Donor Benefit
Ayush Benefit
Annual Aggregate Deductible

NivaBupa Senior First (Eligibility Criteria)

Entry Age - 61 Years
Max Entry Age - 75 Years
SI - 5 L to 25 L
Waiting Period - 30 Days

Star Critical Illness Multipay Policy

The plan covers over 37 critical illnesses such as cancer, cardiac illnesses and more along with wellness benefits.

Unique Features

Wellness Benefits
Avail Cancer Care
No pre-policy screening

Care Supreme Plan

A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.

Unique Features

Unlimited E-consultations
Unlimited Automatic Restoration
Avail Up to 30% Discounts

Care Supreme Plan (Pros)

Day Care Treatments
No Sub-Limits
Emergency Ambulance
No-Claim Bonus
Organ Donor Cover

Care Supreme Plan (Cons)

Change of Gender Treatments
Obesity Treatment Unavailable
Hazardous Activity Not Covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Care Supreme Plan (Other Benefits)

Unlimited Recharge
30% Renewal Discount
Unlimited E - Consultation
Wellness Benefits
Nutrition and Fitness Coaching

Care Supreme Plan (Eligibility Criteria)

Entry Age - 90 Days
Max Entry Age - No age limit
SI - 5 L to 15 L
Waiting Period - 30 Days

Star Women Care Plan

A special plan designed for women, wherein women can avail multifold benefits along with the coverage to the whole family.

Unique Features

Coverage for Modern Treatments
Coverage during Pregnancy
Preventive Health Check Up

Star Women Care Plan(Pros)

Designed for Women's Care
Cancer cover optional
Bariatric Surgery Cover
Mid-term inclusions
High SI

Star Women Care Plan (Cons)

Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Congenital Disease Cover

Star Women Care Plan (Other Benefits)

10% long-term discount
10% Air Ambulance Cover
Pain Management Cover
Assisted Reproduction
Automatic Restoration

Star Women Care Plan (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - 75 Years
SI - 5 L to 1 Cr
Waiting Period - 30 Days

Care Freedom

Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.

Unique Benefits

No pre-policy checkup needed
Dialysis cover available
Annual Health Checkup

Care Freedom (Pros)

Cashless Healthcare
No pre-policy check-ups
SI Recharge
Lifelong Renewability
15-day free-look period

Care Freedom (Cons)

Change of Gender Treatments
Obesity Treatment Unavailable
Hazardous Activity Not Covered
HIV/AIDS not covered
Cosmetic Surgery unavailable

Care Freedom (Other Benefits)

2 Plan variants
Consumable Allowance
Annual Health Check-up
Long Term Discounts
Dialysis Cover

Care Freedom (Eligibility Criteria)

Entry Age - 91 Days
Max Entry Age - Lifelong
SI - 3 to 10 L
Waiting Period - 30 Days

What are the Benefits of Buying a Health Insurance in Bangalore?

If you are living in Bangalore, it becomes very important for you to buy health insurance. Here are the reasons why-

Many health plans in Bangalore offer comprehensive plans that provide coverage for domiciliary hospitalisation, AYUSH coverage, and pre and post-hospitalisation.
Critical illness can come with a heavy financial burden. So, you need to invest in health insurance with critical coverage.
You should get accidental coverage if you are living in Bangalore. Unfortunately, you cannot trust the traffic scenes there.
Health plans include features like e-consultation and unlimited teleconsultation. This will allow you to consult the doctor remotely.

Things to Consider While Buying a Health Insurance Policy in Bangalore

When buying health insurance in Bangalore, you need to check a few points:

Sum insured
Network hospital
Premiums paid
Illness covered
Benefits available

Bottom Line

Bangalore, the city of firsts, is constantly innovating. You need to take one step ahead for your health if you are living in Bangalore. Whether you are a tech wiz or a weekend explorer, let us ensure your health is covered for the vibrant adventures this city has to offer. Check out PolicyX for more health plans in Bangalore.

Health Insurance in Bangalore: FAQs

1. Why is health insurance important in Bangalore?

Bangalore's fast-paced lifestyle and rising medical costs make health insurance important. It will protect you financially from unexpected medical emergencies.

2. What are some common exclusions of health insurance plans offered in Bangalore?

Many plans in Bangalore exclude pre-existing conditions for a certain waiting period, dental and cosmetic procedures, self-inflicted injuries, and alternative treatment.

3. Can I buy health insurance online in Bangalore?

Yes, you can buy health insurance online at PolicyX.com.

4. What to do if my health insurance claim gets rejected in Bangalore?

If your claim gets rejected, you can appeal the decision. Review the reason and collect all the supporting documents. You can approach IRDAI if you are unhappy with the decision.