Top 12 Health Insurance Apps in India: Protect Your Health

Are you tired of sifting through piles of paperwork to manage your health insurance policy?

Well, you’re in luck!

The world of health insurance has gone digital, with a plethora of apps that simplify policy management and claim processing. In India, health insurance apps have become increasingly popular in recent years, especially during the COVID-19 pandemic, as more and more people seek remote access to healthcare services.

But with so many options out there, how do you know which app is right for you?

Don’t worry, we’ve got you covered. In this article, we’ve rounded up the top 12 health insurance apps in India (not ranked) that offer a range of services, from policy purchase to claim settlement.

Whether you’re a tech-savvy millennial or a senior citizen, these apps are designed to make your life easier, with user-friendly interfaces and reliable security. So, buckle up, and let’s explore the world of health insurance apps in India!

1. Turtlemint

Turtlemint is an Indian tech-driven insurance platform that offers a wide range of insurance products and services to customers. The name represents the company’s commitment to providing security and wealth.

Founded in 2015, Turtlemint has headquarters in Thane, Maharashtra, and access to over 45+ insurer companies online, serving millions of people through its massive network of over 2.7 lakh advisors.

Turtlemint offers bike, car, life, and health insurance and provides customized recommendation tools and financial product courses. The platform’s customer-centric approach and innovative services are transforming the insurance industry in India by making it easier for people to protect themselves and their families against financial uncertainties.

Features

• With Turtlemint, customers can receive various quotations and advisory services according to their insurance needs.
• Users can add all their policies, including those purchased previously, and track them under one app.
• Turtlemint boasts a network of over 2.7 lakh advisors who provide guidance and support when needed.
• Renewing policies on Turtlemint’s platform is quick and straightforward, saving customers time and effort.
• Turtlemint provides active claim support, ensuring a smooth and hassle-free claim process.
• Turtlemint has a dedicated blog section that educates users about basic and advanced insurance concepts, including tax benefits.
• Users can compare different health insurance policies side by side on the Turtlemint platform.

2. PayBima

With over 17 years of experience in the insurance market, Mahindra Insurance Brokers Ltd.’s PayBima is an online gateway. Having a network of 400 offices, it has resolved more than 50,000 claims.

Piyush Jain established the business on January 1st, 2004, and Mumbai is home to its principal office. PayBima gives you a selection of alternatives to pick from whether you need health insurance, auto insurance, or any other type of insurance service.

For those looking to get insurance, the app’s straightforward and user-friendly UI makes it a popular option.

Features

• Offers health insurance coverage options ranging from Rs. 1 lac to 1 Crore
• Allows users to compare 20+ insurance and 100+ best health insurance plans
• Provides coverage for Coronavirus (Covid-19)
• Offers options for coverage of pre-existing diseases for 1-4 year/s
• Provides options for patients to have no room rent cappings and a single private room
• Users can compare all plans on one screen and choose the most appropriate one

3. Navi

Founded in 2018 by Ankit Agarwal and Sachin Bansal, Navi is a digital lending platform. The organization, which is based in Bengaluru, Karnataka, India, seeks to increase the availability and affordability of financial services for its clients. In order to provide a variety of financial services in the banking, insurance, and financial sectors, Navi’s platform is built with the needs of its customers in mind and is innovation-focused.

Navi is swiftly establishing itself as a dominant force in the digital lending market thanks to its emphasis on technology and innovation. People’s access to and management of their funds is changing because of the company’s innovative approach to financial services. These services are easier to use and more affordable than before.

Features

• 100% paperless signup process with no lengthy paperwork
• Coverage of entire hospitalization bills and related medical expenses from 90 days before to 180 days after hospitalization
• Coverage for pre and post-hospitalization expenses
• Medical treatment at home for 3 or more days due to the patient’s adverse health condition or unavailability of hospital bed
• Unlimited online doctor consultations with the top doctors of the country at no additional cost
• Up to ₹5 Lakh for emergency transfer via air ambulance
• Complimentary health checkup once in every policy year for members older than 17 years
• Network of 10,000+ hospitals
• Affordable premiums starting as low as ₹235 per month.

4. Ditto

Ditto Insurance is an online insurance advisor that was founded in February 2021 and is headquartered in Bengaluru. The company was founded by a team of experts, including Pawan Kumar Rai, Shrehith Karkera, Bhanu Harish Gurram, and Lokesh Gurram, who were previously involved in the successful Inshots platform.

With 45 insurance experts available online to answer any questions before taking insurance, Ditto Insurance offers a unique advisory model that stands out from other insurance advisors available.

Moreover, by sharing your medical history with them, Ditto Insurance provides a tailor-made checklist to help you sift through the best plans. The company has earned a lot of limelight due to its no-spam advisory model, making it a reliable and trustworthy insurance advisor for all your needs.

Features

• Ditto Insurance provides a comprehensive guide to help you learn about health insurance and how to choose the right policy.
•  The app offers tools that allow you to understand your policy better and compare it with other policies available in the market.
•  With Ditto Insurance, you get the best advice on insurance. The app has a team of 45 insurance experts available online to answer your questions before taking insurance.
•  The company offers a free consultation call, during which you will have their undivided attention for at least 30 minutes.
•  If you have any additional queries, Ditto Insurance offers chat support to help you resolve them quickly and easily.
•  With Ditto Insurance, you can understand your policy, get answers to your burning questions, and buy insurance, all in one place.

5. Policybazaar

Policybazaar is India’s largest insurance aggregator, allowing consumers to compare insurance products and other financial services from leading insurers. Yasheesh Dahiya, Alok Bansal, and Avaneesh Nirjar co-founded the firm in June 2008. It is a worldwide financial technology firm with headquarters in Gurgaon that has gained the confidence of over 9 million consumers.

Policybazaar’s platform includes over 250 insurance plans and over 50 insurance companies, providing a diverse variety of alternatives for life insurance, health insurance, vehicle insurance, travel insurance, group insurance, and more. In 2015, the firm released its mobile app, making it simple and quick for consumers to access their services while on the go.

Features

• Support built-in with every policy for help when you need it the most, which helps in easy claim settlement.
• 100% reliable as it is regulated by IRDAI.
• Unbiased advice from experts, keeping customers first.
• Compare different insurance policies to find the one that fits your needs best.
• Buy, store, and share all your policies online, making it easy to access them whenever you need to.
• Track your policy status on the go, so you always know where you stand.
• Corporate health insurance as well as health-related government policies like Arogya Sanjeevani Policy are available on the platform.
• Use the health insurance calculator to get an estimate of your monthly insurance premium, making it easy to budget for your insurance needs.

6. CoverFox

Coverfox is an innovative insurance technology company headquartered in Mumbai, Maharashtra, India. The company was founded in 2013 by Devendra Rane and Varun Dua and offers an online platform for managing insurance policies. Coverfox offers a wide range of insurance policies including health, automotive, life, bike, travel, investment, and home insurance. They have tie-ups with over 40 insurance companies, which allows users to choose from top insurance brands in India.

Coverfox uses artificial intelligence models to create its insurance platform, which includes an algorithm-based policy discovery feature that allows users to compare and choose from a range of plans to suit their budgets and needs. With Coverfox, managing your insurance policies has never been easier or more convenient.

Features

• Simple insurance plans explained in plain English, so no research is required.
• The entire process is online, from browsing to buying a policy.
• Unbiased advice provided to help customers make informed decisions.
• Quotes from top insurers are available instantly for easy comparison.
• Savings on insurance premiums by selecting the best plan.
• Instant policy issuance with any online payment method.
• Expert claims support team that will fight for customers with partner insurers until the rightful judgment is passed.
• Data is stored in secure and compliant ISO-certified data centers.
• CoverFox Blog provides the ultimate reader’s choice for everything related to insurance.

7. PhonePe

PhonePe is a market leader in the digital payments space in India and is currently one of the most preferred payment apps. However, the company has now entered the insurance world as well.

Founded in December 2015, PhonePe was acquired by Flipkart and its parent company Walmart a year later. The headquarters of PhonePe is located in Bengaluru, and it was founded by Sameer Nigam, Burzin Engineer, and Rahul Chari.

PhonePe offers a variety of insurance plans including Life, Health, Travel, and Vehicle Insurance. Currently, the app only offers Arogya Sanjeevani Insurance, which is a health insurance plan designed by the Insurance Regulatory & Development Authority of India (IRDAI) that covers COVID-19.

As PhonePe continues to expand its offerings, it will be interesting to see what other insurance products the company adds to its platform.

Features

• The plan can be enrolled via PhonePe through instant, paperless means.
• Pre-hospitalization expenses incurred up to 30 days prior to hospitalization and post-hospitalization expenses incurred up to 60 days post-hospitalization are covered.
• Costs associated with doctor visits and medical reports are covered under this benefit.
• The covered expenses include room rent, doctor’s fees, nurse’s fees, surgeon’s fees, diagnostic tests, and pharmacy expenses.
• Cashless treatment option is available, and a No Claim Bonus (NCB) is provided for not filing a claim during a cover year.
• The minimum age to insure a member is 3 months while the maximum age is 65 years for Arogya Sanjeevani coverage on PhonePe.
• High hospitalization coverage up to Rs. 20,00,000 is provided, and premiums are as low as Rs. 241/month.

8. Acko

Acko is a Mumbai-based private general insurance company that offers its customers premium insurance facilities and bite-sized insurance products with zero commissions. Founded in November 2016 by Varun Dua and Ruchi Deepak, the company operates entirely through its digital platform, making it entirely paperless.

Acko is an IRDAI licensed (IRDAI Registration No: 157) General Insurance company, and its product offerings include Car and taxi, Bike, and Health insurance. With a clan of more than 400, Acko boasts of serving around 50 million unique customers. In 2019, Acko was ranked as the 8th best InsurTech company by FinTech Global.

Features

• Acko boasts a claim settlement ratio of 95% for FY 19-20, making it a reliable option for insurance seekers.
•  Acko’s online platform allows for quick and hassle-free claim settlements, making the process stress-free for customers.
•   Its digital platform means all services can be accessed with just a few clicks, eliminating the need for paperwork.
•   Acko offers cashless claim settlements for health insurance at their PAN India-wide network of partner hospitals.
•  It provides resources, guides, and articles for new insurance buyers, making it a great option for beginners.
•   It offers three types of health insurance – general health insurance, Aarogya Sanjeevini, and group medical cover.
•  With over 4.5 crore users, it has become a popular choice for those seeking insurance.
•   Acko offers insurance at incredibly low premiums, making it an affordable option for many.

9. OneAssure

OneAssure is an innovative platform that streamlines the process of purchasing health insurance. It links customers with health insurance professionals who analyze their requirements and provide suitable plans from a variety of manufacturers. Consumers may effortlessly finish the transaction after receiving the payment link on their phones. Ruchir Kanakia and Shreyans Maini created the firm in 2019 and it is based in Bangalore, Karnataka.

With over ten partner companies and 150+ trained partners, OneAssure offers consumers a diverse selection of possibilities. Its user-friendly design and simplified process make it a popular alternative for individuals searching for hassle-free insurance purchases.

Features

• OneAssure offers two types of health insurance plans: fixed benefit and indemnity benefit, which include critical illness coverage.
• The company’s personalized curated plans are a standout feature, with minimal and appropriate communication made only at the user’s chosen time.
• OneAssure’s partners are trained to meet IRDAI POSP License norms, ensuring quality assistance for customers.
• The company prioritizes a seamless process with no communication or process gaps, saving customers time and money.
• Lifetime assistance and hassle-free claim settlement are also guaranteed by OneAssure.
• OneAssure has a transparent payout policy to foster trust in its partner community.
• The upcoming new age insurance app has already garnered over 2000 happy customers.

10. InsuranceDekho

InsuranceDekho, founded in 2016 by Ankit Agrawal and Ish Babbar, is a unique online platform situated in Gurugram, Haryana, that allows customers to compare insurance quotations from India’s top-rated insurance firms. The platform provides a variety of insurance solutions, such as auto insurance, bike insurance, health insurance, and life insurance. One of InsuranceDekho’s primary benefits is its user-friendly design and quick insurance issue process, which takes only five minutes. According to Google reviews, InsuranceDekho has a 4.4 rating and has handled over 20,000 claims. Furthermore, consumers may pay their insurance premiums using a variety of payment methods such as credit cards, debit cards, or net banking.

Features

• InsuranceDekho offers a wide array of plans from 30+ partner insurance companies.
• Customers get a single point of contact for all claim support needs.
• The company’s certified experts provide personalized advice for customers’ best interests.
• A dedicated support team is available 7 days a week to help with any confusion.
• Customers can access popular policies like Pradhan Mantri Suraksha Bima Yojana and Rashtriya Swasth Bima Yojana.
• The platform offers a health insurance premium calculator for easy policy comparison.
• Customers can renew and track policies seamlessly.
• The app also provides access to investment and insurance-related news for users’ convenience.

11. INDMoney

INDMoney is a super finance app that has rapidly gained popularity since its launch in 2017, with over 5 million users. It offers a comprehensive platform for saving, planning, and investing across all family members. The app provides a host of features, including investing in US Stocks and Financial Life tracking and management.

INDMoney has recently entered the insurance advisory sector, with five major sub-categories, including Health Insurance, Fire Insurance, Travel Insurance, Motor Insurance, and Home Insurance. With its diverse range of services and user-friendly interface, INDMoney is a one-stop shop for all your financial needs.

Features

• Over 10,000 cashless hospital tie-ups for hassle-free medical treatment.
• Short waiting period of 2 years for pre-existing disease coverage.
• Personalized product recommendations based on needs and goals analysis.
• Zero spam calls and SMS to avoid unnecessary promotions.
• Transparent pricing model with no hidden charges or fees.
• Claims support to guide users through the claims process.
• 100% unbiased platform for impartial advice and recommendations.
• All insurance plans are available online for easy access and purchase.
• 95.2% claim settlement for reliable coverage.

12. Digit Insurance

Based in Bengaluru, Karnataka, India, Digit Insurance is a well-known insurer. It was created in 2017 by Kamesh Goyal and is trusted by more than 3 crore consumers.

The business provides hassle-free access to a variety of insurance plans, including bike insurance, commercial vehicle insurance, auto insurance, health insurance, and travel insurance. Customers can benefit from cashless treatment options thanks to its network of more than 10,500  hospitals.

Moreover, Digit Insurance provides wellness benefits accessible through more than 10 wellness partners. The organization offers comprehensive health insurance plans that are suitable for all demographics, including young individuals, families, seniors, workers, fitness fanatics, and those on a tight budget.

Features

• Uncomplicated, paperless approach for purchasing and utilizing health insurance coverage.
• No age or zone-based co-payment costs, no limits on room rent, and no requirement for paper copies for claims.
• Full coverage with limitless claims and support for the insured amount.
• In conjunction with reputable health and wellness partners, the Digit app provides special wellness advantages.
• Includes COVID-19 and covers all hospitalization costs for COVID-19, diseases, accidents, and catastrophic illnesses.
• Three-year pre-existing disease waiting time, exclusion of prenatal and postpartum costs, and a prohibition on hospitalization without a doctor’s prescription.
• Gives customers access to other insurance, including Aarogya Saneevini and Business Health Insurance.

Conclusion

Finally, these top 12 health insurance applications in India provide a simple, user-friendly solution to safeguard your health and finances. These applications have you covered whether you want full coverage or particular perks suited to your requirements.

With simple interfaces, 24/7 customer assistance, and speedy claims processing, you may have peace of mind knowing you’re covered in the event of a medical emergency.

With features like cashless hospitalization, wellness perks, and unbiased product recommendations, you can take charge of your health and make educated decisions about your insurance coverage.

So why wait?

Download one of these applications immediately and start safeguarding yourself and your loved ones!