0
0 Best Health Insurance Plans In India : People and families require health insurance to cover unexpected medical bills as medical costs rise. A health insurance plan protects you from excessive medical expenses, hospital bills, and expenditures associated with medical care before and after it is rendered.
However, before you select a health insurance plan, you should understand what it covers, what it does not cover, the terms, features, and so on. Here are some of the best Healthcare Insurance in India for 2022 to get you started.
What’s health insurance?
Health insurance plans in India are basic indemnification insurance products that assist in paying medical expenditures in the event of hospitalization or serious disease.
- In India, health insurance is a contract between an insurance provider and a client that states that the insurance company would pay the policyholder’s medical expenditures if they are injured or sick and require hospitalization.
- Health insurance covers medical expenses such as hospital stays, treatments, operations, and other medical expenses.
- Most insurance firms that provide the finest health insurance plan in India are connected to a vast network of hospitals. This makes it simple for policyholders to obtain care without spending cash.
- Health insurance coverage also compensates you for lost wages from work while you are undergoing treatment, which could throw your wealth out of sync. In other words, if you have the finest health insurance in India, you can receive quality medical care without depleting your money.
Different Health Insurance Plans
The finest health insurance in India is the one that matches your financial demands. Before purchasing, you should be aware of the various types of health insurance plans accessible in India, such as:
- Cancer insurance plans
- Group Health Insurance
- Individual health insurance
- Critical Illness benefit
- Family Health Floater Plan
Aditya Birla Activ Health Platinum Plan
This coverage covers medical expenses ranging from Rs 2 lakh to Rs 2 crore, and the network includes over 10,000 Network Hospitals. The Aditya Birla Activ Health Platinum plan is an excellent alternative for folks who want a comprehensive plan for themselves because it includes many beneficial features.
Plan highlights include:
- It covers 60 days of charges before and 180 days following a hospital stay. It also covers long-term diseases such as diabetes, asthma, and hypertension from the first day of coverage.
- It covers things like tests, medical visits, and medication. In addition, illness, obesity treatment, and home care are covered to the extent of insurance.
- The policy pays Rs 1,000 for outpatient department (OPD) care.
STAR Health’s Senior Citizens Health Plan
Coverage varies from Rs 1 lakh to Rs 25 lakh, and the network includes over 12,000 facilities. This policy is designed specifically for those aged 60 and up. The majority of other types of health insurance expire at the age of 65. The policy can be purchased for one, two, or three years and can cover one person or an entire family.
Plan highlights include:
- There is no need for a medical examination before purchasing insurance, and the insurance policy can be as high as Rs 25 lakh.
- It addresses childcare procedures, surgeries, and cutting-edge therapies such as deep brain stimulation, robotic surgery, intravitreal injections, lung thermoplastic, and others.
- The coverage begins to cover illnesses in the second year.
ICICI Lombard’s Complete Health Insurance Policy
Coverage varies from Rs 1 lakh to Rs 50 lakh, and the network includes approximately 6,500 facilities. It is a comprehensive health insurance coverage for individuals and families, with many sub-plans.
Plan highlights include:
- It covers disorders that were already present two years after the policy began.
- Until 45, policyholders are not required to pay a co-pay or undergo a pre-medical exam.
- You get two coupons for free health exams each year for a family floater plan.
Star Family Health Optima
Coverage varies from Rs 1 lakh to Rs 25 lakh, and the network includes over 12,000 facilities. As a “family floater,” the policy protects the entire family for a low premium.
Plan highlights include:
- If the policyholder is involved in an accident, the insured sum is instantly increased by 25% (up to 5 lakhs) (subject to add-ons).
- If the policyholder fails to renew the plan by the deadline, they have 120 days to do so.
- It covers hospital expenses such as room and board, medication, and pharmaceuticals. In addition, 10% of the total insured amount is set aside for charges such as emergency and ambulance service fees.
- It covers fees for 60 days before and 90 days after hospitalization. It would pay up to Rs 1 lakh for kidney transplant expenses.
HDFC ERGO Health Suraksha
This policy provides coverage ranging from Rs 3 lakh to Rs 10 lakh, and the network includes over 13,000 facilities. This insurance plan provides the best coverage at an affordable price, and there are no age restrictions.
Plan highlights include:
- The insurance covers daycare costs, Ayurvedic therapy, and organ donation.
- Pregnant women, newborns, mental health treatment, and air ambulance expenditures are covered.
- Expenditures incurred before admission to the hospital are reimbursed for 60 days, while costs incurred after discharge are covered for 90 days.
Average Rating