Top 10 Health Insurance Plan In India | Policy | Benefits

Top 10 Health Insurance Plan in India

Top 10 Health Insurance Plan in India: A health insurance policy is a contract between the insurer and policyholder in which the insurance company provides financial coverage for medical expenses incurred. It covers expenses for regular health checkups. It also provides a lump sum amount for the treatment of critical illness.

Top 10 Health Insurance Plan In India

Gives financial help in case of accidental health or permanent total or partial disability. It gives daily cash benefits on hospitalization. In this article, we are going to discuss the best health insurance plans among all plans. Here below is the list of the top 10 health insurance plans in India.

No.1 Aditya Birla Active Assure Diamond Plan (5 years &above)

When medical costs are constantly rising, having health insurance is the key to restore your health. And if you’re someone looking for a budget-friendly yet comprehensive health insurance plan. It is an ideal option to secure your family’s health and yours without worrying about those soaring medical costs.

Key Benefits of Aditya Birla Active Assure Diamond Plan

  • Restoration of Sum Insured: Sum Insured can be reloaded up to a maximum of 50 lakh in case of an unrelated illness.
  • Day-care procedure: The policy covers 586 day-care procedures which don’t require 24 hours of hospitalization.
  • International/Domestic Assistance: You can avail of domestic and international healthcare assistance in case of an emergency, including air ambulance services.
  • Handsome Healthreturn: You are eligible to earn up to 30% of Health Returns on your annual premium as a reward for staying healthy and fit.
  • No Claim Bonus: 10% cumulative bonus to be earned for not claiming the insurance.

No.2 Bajaj Allianz Health Guard (18-65years)

Bajaj Allianz Health Guard plan is a comprehensive plan that considers medical treatment expenses arising during hospitalization resulting from serious illness or accident. It reduces your hassles as it is a single policy that covers the entire family. The plan is available in two variants, viz-Health Guard Silver Plan. Under this policy, one can cover self, spouse, and up to 4 dependent children.

Key inclusions of the Plan   

  • Ambulance charges are covered subject to a limit of Rs. 20,000 in a policy year.
  • Convalescence benefit of up to Rs. 7,500 is provided for the year.
  • Post-hospitalization expenses incurred 90 days post-hospitalization are covered.
  • Pre-hospitalization expenses incurred 60 days before hospitalization are covered.
  • All daycare treatments are covered under the Health-Guard plan.

No.3 Bharti AXA Smart Super Health Plan(91 days-65 years)

The policy provides significant coverage that is not just limited to expenses for hospitalization. It covers annual health check-ups, maternity benefits, in-patient treatment, amongst several other benefits.

Key Inclusions of the plan: Based on the selected Bharti AXA Smart Super Health Insurance Plan, the following provisions are included:

  • Yearly health check-ups
  • Restoration of the Sum Insured up to 100%
  • Surface ambulance charges for an emergency Rs3,000 per event
  • Benefit for convalescence
  • OPD emergency treatment for accidents, as well as dental emergencies
  • Inoculation for an animal bite
  • Domestic air ambulance ( only once in a policy year per life)
  • Maternity Benefit: within the 9 months waiting period and for the first two deliveries
  • Newborn babies: First 90 days
  • Lump-sum benefit for severe illness: Over and above the sum Insured.

No.4 Care Health Care Plan (Formerly Religare Care Health Insurance Plan 91days & above)

A comprehensive health insurance plan pays for medical expenses incurred by the policyholder due to any injury, illness, or accident. The plan covers expenses incurred during hospitalization, day-care treatments (that do not require hospitalization), health check-ups, and much more.

Key Features of the plan:

  • No upper limit for entry age
  • No premium increase due to any claim made
  • Get annual health check-ups for all insured members- regardless of claims history.
  • Feature to reduce PED wait period
  • Get automatic policy recharge if the claim amount exhausts your coverage, at no extra cost.
  • Avail treatment anywhere in the world
  • Daily allowance to meet incidental expenses
  • Ease of cashless treatment & settlement of claims directly by the company
  • Options of the sum insured 2-60 lacs

N0.5 Cholamandalam Chola Healthline Plan 918-65 years)

It is a comprehensive health insurance policy that provides insurance coverage for families on an individual and a Floater Sum Insured basis. You can cover yourself along with your spouse and dependent children; you can include your parents, parents-in-law, and siblings as well. It offers these 4 different plans with various sum insured options under each one of them. The policy provides coverage for 24 hours inpatient hospitalization on a cashless or reimbursement basis. And the policy gets increased by a percentage annually as per the plan.

Key benefits of the plan 

  • Child hospitalization allowance per hospitalization
  • Outpatient Dental/Specs/Contact Lens/Hearing Aids
  • Extended hospitalization allowance
  • Double sum insured for accidents and critical illness
  • Specialist opinion for critical illness

Renewal Benefits

  • Health check-up
  • Cumulative Bonus

No.6 Digital Health Plan (Top 10 Health Insurance Plan In India)

Insurance digitalization help lower and cost, Digital healthcare services help make a detailed picture of users overall health. The insures can create an approach that can be used for personalizing premiums through dynamic pricing. The broad scope of digital health includes categories such as mobile health information technology, wearable devices, telehealth and telemedicine, and personalized medicine.

Key benefits of the plan 

  • Cost advantage
  • Safety net
  • Convenience tops
  • Post-sales services
  • Faster processing

No.7 Edelweiss Health Plan (90 days -65 years)

Edelweiss Health Insurance has come up with three types of health insurance plans. Three types of health insurance policies come with the following benefits:

  • It offers coverage to applicants above the age of 3 months. Basically, you don’t need to worry about the age limit to get health insurance from Edelweiss.
  • You can buy health insurance for a maximum of 8  members, including self, spouse, 3 children, and other relatives.
  • It offers a cover of up to 2 crores.

No.8 Future Generali Criticare Plan (18-65 years)

This plan offers monetary benefits to take care of miscellaneous expenses if the insured person is ever diagnosed with a critical illness. Future critic-care is a standalone critical benefit plan that insures against twelve critical illnesses. If the insured people diagnoses with one of these, they will be provided with a fixed sum, regardless of their actual medical expenses.

Key benefits of the plan 

  • Family means and includes you, the spouse, the first two dependent children, and two dependent parents.
  • The entire sum insured amount as a lump sum is received, thus helping to plan the treatment accordingly.
  • The maximum Policy term is 1 year.

No.9 IFFCO Tokio Health Protector Plus(18-65 years)

It protects you and your family against high-cost treatments in case of injury or illness like an organ transplant, etc.

Key benefits of the plan

  • A compulsory deductible has to be chosen by the policyholder.
  • An ambulance charge of Rs 3000 is allowed per claim or actual expenses, whichever is less.
  • Room rent and nursing expenses are covered.
  • Domiciliary charges have a submit of 20% of the sum insured.

No.10 Kotak Mahindra Health Premiere (18-65 years)

It is one of the famous products amongst the customer. The insurer is a 100% subsidiary of Kotak Mahindra Bank Ltd. It provides the cashless can be availed at network hospitals throughout india.

Key benefits of the plan

  • Comprehensive coverage
  • Covers inpatient and OPD cover
  • Instant policy renewal is possible by opting for insurance
  • Fast claim registration
  • The policy can be port

FAQ~(Frequently Asked Question) Top 10 Health Insurance Plan in India

Q-How many years do you have to pay for Health Insurance?

A- Some health insurance policies pay for specified expenses towards general health check-ups once a few years. Normally this is available once in four years.

Q- Is it illegal to have 2 health insurance policies?

A- Yes, you can have 2 health insurance plans, and many people have multiple health insurance policies under certain circumstances.

 

 

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