Top 10 Insurance Policies for health

Top 10 Insurance Policies for health

August 23, 2019 7:32 am,

Top 10 Insurance Policies for health are listed in this article. Each policy is explained briefly. We all aware that Medical emergencies come as a surprise. We try very hard to maintain good health, but We know very little when it comes to health policies. Not any more!. This article let you know the complete details of health policies in a simple way. 

Usually, a health insurance company plays an important role when it comes to buying a health insurance plan. All of us wants to buy the best policy which offers huge benefits and also risk coverage. Following are the 10 best health insurance policies in India that you can consider for yourself or for the protection of your family.

Refer to the below article which lists top 10 Health Insurance policies and choose the one that best suits you.

TOP 10 Insurance Policies for health:

1.HDFC Easy Health Plan: Critical Illness health plan for family

 Due to lifestyle changes, health issues have become more nowadays. So, we need to take extra care of our health as health comes first. When it comes to health policies, HDFCLife offers a wide range of policies to go for. One such policy is listed here.

Critical illness insurance provides a lump-sum payment in case the policyholder is diagnosed with a health-related condition of a serious nature like Heart Attack, Cancer, Paralysis, Organ transplant etc

HDFC Life Easy Health is a health insurance product that provides coverage against,

  • Hospitalization
  • Surgical procedures
  • Critical illness

2. HDFCLife Click to protect Health:

It is a health insurance plan that gives your family all-round protection. HDFC Life and Apollo Munich Health Insurance have joined hands to bring out the best health insurance.

Let us some of the features of this health Insurance

  • This policy provides both life and health Insurance
  • Provides financial protection to you and your family at an affordable cost.
  • Protects you for whole life with life long protection options
  • Flexibility to choose your policy and premium paying term
  • Special premiums for females
  • Tax benefits under section 80C and  10(10D)
  • Low premiums

3. ICICI Lombard Complete Health Insurance- iHealth

ICICI Lombard Complete Health Plan is referred to be the best plans among other health insurance plans which are offered by this insurance company.

This plan comes out with several beneficial features

  • Cashless hospitalization
  • free health check-up
  • tax benefit
  • free look period of 15 days
  • emergency ambulance cover and much more.

It offers a lifelong renewability option. So, in addition to treatment expenses and hospitalization expenses, this policy also covers expenses incurred due to daycare procedures.

One can enjoy a cashless facility at all cashless network hospitals under this plan.

4. LIC’s Jeevan Arogya

LIC’s Jeevan Arogya is a unique non-participating non-linked plan which provides health insurance cover against certain specified health risks and provides you with timely support in case of medical emergencies and helps you and your family remain financially independent in difficult times.

Some of the Jeevan Arogya Features are:

  • Valuable protection in case of hospitalization, Surgery Etc.
  • Increase in health cover every year
  • Lump-sum benefit irrespective of actual medical cost
  • No claim benefit
  • Flexible benefit limit to choose from
  • Flexible premium payment options.

5. Religare Health Insurance- Care

Religare care is a comprehensive health insurance plan that safeguards you & your family against financial risks arising out of a medical emergency. Religare care provides multiple numbers of benefits for the customers.

• It provides coverage for expenses related to room rent, daycare procedures, ICU charges, domiciliary expenses, ambulance charges, pre or post-hospitalization expenses and medical check-ups.
• Domiciliary Hospitalization- This plan provides coverage against medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days. So nothing should delay the treatment you deserve.

• All plans by Religare including ‘care’, come out with no upper age limit of enrollment i.e. even if a person is 100 years old, can apply for coverage.

6. Family Health Optima from Star health

Star Health & Allied health insurance provider is the first in the list of standalone health insurance companies in India. Hence, star Health Insurance online plans safeguard one financially in a time of medical emergency. Some of the features of  Family Health Optima from Start healthcare as follows.

This is a family floater plan from Star Health and it comes with extensive coverage options at an affordable premium.

  • Any person aged between 18 and 65 years can buy this Star Health Insurance policy online.
  • The policy comes with lifelong renewal option and free check-up benefit against every claim-free year.
  • A newborn baby can be covered under the policy from the 16th day.
  • The policy offers coverage for all daycare procedures and it has auto recharge facility with no extra cost.

7. Max Bupa Health Health Companion Insurance policy

This plan provides the most basic coverage when compared to all other policies. So, this health insurance scheme also offers coverage for the individual as well as for family floater. Coverages are

  • This Max Bupa Health Companion Silver insurance policy offers basic coverage in the range of Rs.2 lakh and Rs.4 lakh for individuals and for the entire family.
  • Pre and post hospitalization expenses, daycare procedures, etc are included in this plan
  • Max Bupa Health Companion Gold policy offers basic coverage of Rs.5 lakh.
  • Pre and post hospitalization expenses, daycare procedures are covered in this plan.
  • So, this Gold policy offers higher expense cover than the Silver Plan.

8. New India Global Mediclaim Policy:

New India Assurance Company Limited, previously a subsidiary of the General Insurance Corporation of India (GIC), is a general insurance company based in Mumbai, Maharashtra.

This New India Health Insurance policy can be availed by anyone who is already having a Health Insurance Policy with the Sum Insured of Rs. 8 Lakhs and above.

  • The entry age for the policy is 18 years to and maximum age is 65 years.
  • This New India Health Insurance plan covers some specified treatments such as Neurosurgery, Cancer Surgery etc. This also covers Heart Valve Surgery, Bone Marrow Transplant, Living Organ Donor Transplant and Coronary Artery Bypass Graft (CABG) Surgery.

9. National Parivar Mediclaim policy from National Insurance company:

National Insurance Company Limited (NICL) is the oldest non-life general insurance company of India.

Features And Benefits Of National Parivar Mediclaim Policy

  • This National Insurance Policy has a life-long renewal facility.
  • Pays up to 10% of the Sum Insured for the operation theatre charges.
  • In the case of diabetes and hypertension, 10% to 25% co-payment is applicable.
  • Insured persons can avail cashless benefits under the network hospitals of National Insurance Company.
  • Expenses covered for Pre & Post hospitalization up to policy limits.
  • Options to buy or renew this National Insurance policy online.

10. Health-Guard Individual Policy from Bajaj Allianz General

Health insurance policies of Bajaj Allianz General Insurance offer the best medical care and treatments. So, the company offers more than 5500+ authorized network hospitals. Pre and post hospitalization costs are also covered under this plan. Bajaj Allianz General Insurance Company Limited offers a wide array of health insurance products. However, you should choose the best one as per your requirements.

  • Individuals between the age group of 18-65 years can eligible for this plan and children aged between 3 months to 25 years can be covered under this Bajaj Allianz General Insurance plan for health.
  • This policy offers Sum Insured options ranging from Rs. 1.5 lacs up to a maximum of Rs. 50 lacs.

So, when you plan to purchase any Health Insurance policy, you can compare online health insurance. Choose any of the best medical policy. This article lists the top 10 insurance policies for health and helps you with choosing the best.

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