Best Health Insurance Plans

Health Insurance Plans	Entry Age (Min-Max)	Sum Insured (Min-Max)	Network Hospitals	Covid-19 Treatment	–
Aditya Birla Active Assure Diamond Plan	5 years & above	Rs. 2 Lakh – Rs. 2 Crore	7100+	Covered	VIEW PLAN
Bajaj Allianz Health Guard	18-65 years	Rs. 1.5 Lakh – Rs. 50 Lakh	6500+	Covered	VIEW PLAN
Bharti AXA Smart Super Health Plan	91 days -65 years	Rs. 5 Lakh – Rs. 1 Crore	4500+	Covered	VIEW PLAN
Care Health Care Plan (Formerly Religare Care Health Insurance Plan)	91 days & above	Rs. 4 Lakh – Rs. 6 Crore	7800+	Covered	VIEW PLAN
Cholamandalam Chola Healthline Plan	18-65 years	Rs. 2 Lakh – Rs. 25 Lakh	7250+	Covered	VIEW PLAN
Digit Health Plan	N/A	Rs. 2 Lakh – Rs. 25 Lakh	5900+	Covered	VIEW PLAN
Zuno (Formerly Edelweiss) Health Plan	90 days – 65 years	Rs. 1 Lakh – Rs. 1 Crore	2578+	Covered	VIEW PLAN
Future Generali CritiCare Plan	18-65 years	Rs. 1 Lakh – Rs. 50 Lakh	5100+	Covered	VIEW PLAN
IFFCO Tokio Health Protector Plus	18-65 years	Rs. 2 Lakh – Rs. 25 Lakh	5000+	Covered	VIEW PLAN
Kotak Mahindra Health Premier	18-65 years	—	4800+	Covered	VIEW PLAN
Liberty Health Connect Supra Top-up	18-65 years	Rs. 3 Lakh – Rs. 1 Crore	3600+	Covered	VIEW PLAN
ManipalCigna ProHealth Insurance	18 years & above	Rs. 2.5 Lakh – Rs. 1 Crore	6500+	Covered	VIEW PLAN
Niva Bupa (Formerly known as Max Bupa) Health Companion Individual Plan	91 days & above	Rs. 3 Lakh – Rs. 1 Crore	4500+	Covered	VIEW PLAN
National Parivar Mediclaim Plus	18-65 years	Rs. 6 Lakh – Rs. 50 Lakh	6000+	Covered	VIEW PLAN
New India Assurance Senior Citizen Mediclaim Policy	60-80 years	Rs. 1 Lakh – Rs. 1.5 Lakh	3000+	Covered	VIEW PLAN
Oriental Individual Mediclaim Policy	18-65 years	Rs. 1 Lakh – Rs. 10 Lakh	4300+	Covered	VIEW PLAN
Raheja QBE Comprehensive Plan	90days-65 years	Rs. 1 Lakh – Rs. 50 Lakh	5000+	Covered	VIEW PLAN
Reliance Critical illness Insurance	18-55, 60, & 65 years (as per the SI)	Rs. 5 Lakh – Rs. 10 Lakh	7300+	Covered	VIEW PLAN
Royal Sundaram Lifeline Supreme Health Plan	18 years & above	Rs. 5 Lakh – Rs. 50 Lakh	5000+	Covered	VIEW PLAN
SBI Arogya Premier Policy	3 months – 65 years	Rs. 10 Lakh – Rs. 30 Lakh	6000+	Covered	VIEW PLAN
Star Family Health Optima Plan	18-65 years	Rs. 1 Lakh – Rs. 25 Lakh	9900+	Covered	VIEW PLAN
Tata AIG MediCare Plan	–	Rs. 3 Lakh – Rs. 20 Lakh	4000+	Covered	VIEW PLAN
United India UNI CritiCare Health Care Plan	18-65 years	Rs. 1 Lakh – Rs. 10 Lakh	7000+	Covered	VIEW PLAN
Universal Sompo Complete Healthcare Plan	18 years & above	Rs. 1 Lakh – Rs. 10 Lakh	5000+	Covered

Selecting the most suitable health insurance policy requires careful consideration, as there is no one-size-fits-all solution. Numerous health insurance policies are available, each offering unique coverage benefits. It is essential to understand the included benefits, exclusions, and coverage before choosing the best health insurance policy. Online research or consultation with our customer care team can assist in making an informed decision based on individual requirements.

Consider the following tips while selecting the best health insurance plan:

1. Opt for an Adequate Sum Insured Amount:

Choose a plan that offers maximum health coverage and a sufficient coverage amount to address potential medical emergencies. Given the rise in medical inflation, having an ample amount is crucial to manage healthcare expenses effectively.

2. Select the Right Coverage Type:

Individual health plans cater to individual needs, but for families, a family floater plan is recommended. This plan covers the entire family, eliminating the need for separate policies for each member, and often comes with a lower premium and higher sum assured.

3. Check for Flexibility to Increase the Insured Amount:

Look for policies that allow an increase in the sum insured over time. Timely renewal and the presence of a No-Claim-Bonus benefit may result in an increase in the total sum insured, adapting to the changing cost of living and medical expenses.

4. Examine the Pre-existing Disease Waiting Period:

Understand the terms and conditions related to pre-existing diseases, including the waiting period before claims related to pre-existing conditions are accepted. Opt for a policy with a shorter waiting period when purchasing health insurance.

5. Check the Maximum Renewal Age:

Consider the renewal age limit of the policy, as some health insurance plans offer lifelong renewal, providing extended coverage beyond the age of 65. Choose a policy based on family health history and individual health parameters.

6. Consider Insurers with High Claim-settlement Ratio:

Choose a health plan from an insurer with a high claim settlement ratio, indicating a higher likelihood of successful claims. Ensure that all necessary documents and proofs are provided when filing a claim to avoid rejection.

7. Evaluate the Claim Settlement Process:

Understand both cashless and reimbursement claim settlement processes before purchasing a health insurance policy. While the claim settlement process is generally standardized, minor variations may exist, and awareness of the insurer’s procedures is advisable.

8. Consider Cashless Hospitalization:

Opt for plans that provide cashless hospitalization, allowing treatment at network hospitals associated with the insurer. This simplifies the claim settlement process and is applicable within the network hospitals.

9. Compare Premiums:

Compare plans and premiums using online aggregators to make an informed decision. Avoid selecting a plan without weighing all available options in the market to ensure optimal benefits at a competitive premium rate.

10. Read Reviews:

Review customer feedback for different health insurance companies to gather insights into their strengths and weaknesses. A balanced understanding of customer opinions aids in making an informed decision.

11. Read the Exclusions:

Carefully review the exclusions mentioned in the health insurance policy to avoid unexpected surprises. Choose a plan with fewer exclusions to ensure comprehensive coverage.

12. Consider Add-on Riders:

Explore add-on riders such as critical illness riders or accidental riders for additional coverage against unforeseen medical expenses. Critical illness cover, for instance, protects against life-threatening diseases with an extra premium.

Benefits of the Best Health Insurance Plan in India:

A comprehensive health insurance plan in India offers various benefits beyond hospitalization coverage:

1. Cashless Treatment:

Access cashless treatment at network hospitals associated with the insurer, eliminating the need for upfront payments.

2. Daily Allowance:

Some plans offer a daily allowance for each day of hospitalization, providing additional financial support for miscellaneous expenses.

3. Tax Benefits:

Claim tax deductions under Section 80D of the Income Tax Act on health insurance premiums paid, providing financial relief.

4. Coverage for Life-Threatening Illnesses:

Health plans with critical illness cover offer a lump sum amount for medical expenses related to diagnosed critical illnesses.

5. Avail Allied Benefits:

Some insurers provide preventive check-ups, enhanced diagnostics, free medical check-ups, health consultations, and offers on healthcare services.

Selecting the best health insurance policy involves a thorough understanding of individual needs, careful comparison of available options, and consideration of additional benefits beyond basic coverage.