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Mumbai, the capital of Maharashtra, is the largest city in India and is also known as the financial capital of India. Known for its vibrant life, the city is one of the world’s most populous cities housing millions of people from all walks of life.  It is also home to the popular Hindi film industry ”Bollywood”. With opportunities galore in the city spreading across wide spectra, the city has been also called the “City of Dreams”. This means that people from all parts of India and even worldwide throng to Mumbai to make it their home.

With such a huge population, the city has seen various health challenges. This has led to key health providers in India setting up base in Mumbai to provide seamless health insurance to the citizens of this magnificent city. Top insurance companies in Mumbai that offer health insurance plans include HDFC Ergo, Star Health Insurance, Care Health Insurance, and Apollo Munich to name a few significant ones.


Mumbai is the financial capital of India and is always buzzing with activity. This leads to people always being on the move to the city that never sleeps and being inflicted with a host of health-related issues. Also, being a heavily populated city, Mumbai has seen an increase in health issues like diabetes, hypertension, tuberculosis, and such related disorders. In Mumbai, death due to tuberculosis is very high. Also, being a coastal city, it witnesses heavy monsoons which give rise to umpteen number of monsoon related ailments like dengue, malaria and so on. Hence, the significance of having a proper medical plan is of paramount importance for Mumbai. The ongoing Covid-19 pandemic has also shown that one has to take care of their health and consider health insurance as a top priority.

Health insurance policies come in handy when meeting medical expenses, be it urgent or chronic. A health insurance policy would help cover hospitalization charges extending beyond  24 hours, nursing care, surgeries, consultation fees, diagnostic tests, and the like. One just needs to take out a health insurance policy in Mumbai by paying the premium as stipulated in the policy to avail of these medical benefits in Mumbai.

Additional Reading: Benefits of Health Insurance Policies

Why is health insurance considered significant in Mumbai?

With inflation being on the rise, this would only increase the living costs in Mumbai and would impact the cost of quality healthcare in the city. Mumbai is already claimed to be one the most expensive cities worldwide so one can expect healthcare costs to only rise over the years. This only makes health insurance important in Mumbai. Being a major financial hub and capital city, various insurance providers have come up with attractive health insurance plans to meet the demand of the health care needs of the citizens of Mumbai.

Additional Reading: Is it worth buying private health insurance?

Top Health Insurance Providers in Mumbai

  • Care Health Insurance:  Care has collaborated with key hospitals like Apollo Spectra Hospitals, Asian Heart Institute, Fortis Sl Raheja Hospital, and the like for undertaking medical treatment for its policyholders.
  • HDFC Ergo: A top ten health insurance provider in Mumbai, HDFC Ergo has 5 branches in the city. It has partnered with 220+ hospitals across Mumbai. Key hospitals are Hiranandani Hospital, Lilavati Hospital, Kokilaben Dhirubhai Ambani Hospital.
  • Max Bupa Health Insurance: Max has tie-ups with hospitals including  Hinduja Hospital, Hiranandani Hospital, Kokilaben Dhirubhai Ambani Hospital. With three branches in Mumbai which branch at Thane, Max aims for covering up to  600 hospitals within India.
  • ICICI Lombard General Insurance: It has collaborated with key Mumbai hospitals like Lilavati Hospital, Hiranandani Hospital, Kokilaben Dhirubhai Ambani Hospital and other prominent ones. ICICI Lombard has  8 branches in the city.
  • Star Health Insurance Company: With 16 branches spread across Mumbai, Star is a key insurance provider in the city. Major tie-ups with hospitals include Hiranandani Hospital, Kokilaben Dhirubhai Ambani Hospital.
  • Bajaj Allianz General Insurance: Bajaj Allianz has at present 11 branches in Mumbai and has partnered with key Mumbai hospitals, including, Lilavati Hospital, Kokilaben Dhirubhai Ambani Hospital, and related important hospitals.
  • Reliance General Insurance: With 11 branches in the city, Reliance General Insurance has major tie-ups with Lilavati Hospital and Kokilaben Dhirubhai Ambani Hospital.
  • Future Generali India Insurance: The company is also quite well-known in the city with 5 branches. Key hospital tie-ups include Lilavati Hospital, Hiranandani Hospital, Hinduja Hospital, and the like.
  • Apollo Munich Health Insurance: With 8 offices in the city, Apollo Munich has collaborated with major hospitals in the city, including Kokilaben Dhirubhai Ambani Hospital, Hiranandani Hospital and so on.
  • TTK Health Insurance: TTK Healthcare has one branch in Mumbai but has network hospitals like Abhishek nursing home, Aditya Jyot Eye Hospital, Agrawal Clinic Surgical & General hospital, etc. which ensures that it reaches the maximum customers in the city.

Additional Reading: Tips to Buy the Best Health Insurance Plan?


Health insurance is an important criterion for the people of Mumbai. This has led to various insurance providers opening offices in the city to provide the Mumbai people with quality health insurance plans. One should choose a health insurance plan based on their need requirements and their capability to pay the premiums on time.


1. What happens to my health insurance policy, if the main insured dies?

In the case of a family floater plan, if the main insured dies on account of any medical condition, then the insurance company will provide the hospital expenses which are claimable under the insurance policy. If the expired person was the eldest member of the family, then the premium paid after the death of the insured will be based on the age of the next senior-most family member.

2. What happens if I forget my policy details at the time of emergency hospitalization?

If at any time during an emergency hospitalization an insured forgets his policy details, then then the TPA (Third Party Administrator) assists in retreiving your policy details by going through your personal details like Name, address, date of birth, insurance provider and related particulars.

3. Can my health insurance policy be cancelled after signing it?

This is possible in case the insurance plan has the option of a free look-in period. Then the insured can cancel the health insurance policy in that free look-in period only.

4. Will renewing the policy with the same insurance provider give me better insurance terms on renewal?

That would depend on the insurance company terms and conditions. Also, your premium payment capability will be a major criterion. Then you can be eligible to discount offers on renewal insurance premiums.

5. Do all hospitals in Mumbai provide cashless facilities?

That would depend on the tie-ups hospitals have with insurance providers in Mumbai. Though most of the hospitals provide a cashless facility, still it is prudent to check the same with the insurance provider before getting hospitalized, unless in an emergency condition.

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