Rs.30 Lakh Health Insurance

The best health insurance plans with a sum assured of Rs.30 lakh are listed below.

1. SBI Arogya Premier Health Insurance

SBI Arogya Premier Policy is designed to meet your and your family's various medical demands, and it comes with unique coverage features at a reasonable price. Any individual, including his or her spouse, dependent children, parents, and in-laws, can buy this coverage for himself or for his or her family.

Features and Benefits

• This covers all hospitalisation expenditures, including room rent, doctor fees, operating theatre fees, intensive care unit (ICU) fees, nursing charges, and medicines used during the hospital stay.
• Pre-hospital expenses can be incurred up to 60 days before the date of admission to the hospital.
• Post-hospital expenses are incurred for up to 90 days from the day of discharge from the hospital.
• All medical costs involved by an organ donor in relation with the harvesting of the given organ are covered.
• Treatments that need fewer than 24 hours of hospitalisation are covered for 141 different categories.

2. Bajaj Allianz Health Guard

Bajaj Allianz's Health Guard is a comprehensive health insurance plan that pays for medical expenses incurred while in hospital due to a major disease or accident. The policy provides comprehensive coverage at a cheap cost and meets all of your needs. It helps in your financial readiness in the event of a medical emergency.

Features and Benefits

• The coverage covers in-patient hospitalisation expenditures if you are admitted to the hospital on the advice of a doctor, as specified in the policy. Illness or an accidental bodily damage sustained or contracted within the coverage period requires hospitalisation.
• For 60 days prior to hospitalisation, the insurance coverage covers medical expenses incurred as a result of an illness or injury.
• You can obtain a daily cash benefit of Rs. 500 as accommodation charges for up to 10 days each policy year. For
• in-patient hospitalisation, coverage is available. It is applicable to policies that are older than a year.
  The policy includes a free health checkup after three years of coverage.

3. Niva Health Companion

The Niva Bupa Health Companion policy (formerly known as Max Bupa) is a comprehensive health insurance plan that covers pre- and post-hospitalization expenses up to Rs 1 crore. This insurance is provided by Niva Bupa (Formerly known as Max Bupa) Health Insurance Company Limited to help the insured in managing hospital bills and other medical expenses at a reasonable cost.

Features and Benefits

• It comes in a range of insurance sums ranging from Rs 3 lakh to Rs 1 crore.
• The three variants offered are Variant 1, Variant 2, and Variant 3.
• All hospitalisation expenses, including pre- and post-hospitalization expenses, are covered.
• There is no limit on room rent for values insured of Rs 5 lakh and above.
• Patients are treated with AYUSH (Ayurveda, Unani, Siddha, and Homeopathy).
• Over 7400 of the insurance company's network hospitals provide cashless hospitalisation services.
• The premium paid is tax deductible under Section 80D of the Income Tax Act.

4. Raheja QBE Health QuBe

The Raheja QBE Health QuBe Policy can provide you financial protection. Basic, Comprehensive, Super Saver, and Ala Carte are the several variants of the policy, with sum insured options ranging from Rs. 3 lakh to Rs. 50 lakh.

Features and Benefits

• Raheja QBE offers a wide range of insurance products to prospective policyholders. Corporations and individuals can both purchase plans that are customised and can be purchased for the perfect sum covered.
• If the individual is over a specific age or has pre-existing medical ailments/conditions, a pre-policy medical testing is needed. If the screening is passed and the insurance is purchased, the insurer will pay the costs of the medical test in part or in full for some policies.
• Section 80D of the Income Tax Act of 1961 allows you to claim a tax return on the amount you paid when you bought your health insurance policy.

5. Reliance Health Infinity

Individuals and families can benefit from the Health Infinity Policy, which is a dependable indemnity-based medical insurance policy that provides a wide range of coverage benefits for medical expenses. The policy offers a variety of sum insured options ranging from Rs.3 lakh to Rs.1 crore, which policyholders can select based on their needs and budget. If you are already covered by your employer's health insurance plan, you can opt for a lower sum insured amount, such as Rs. 3 lakh or Rs. 5 lakh.

Features and Benefits

• The plan pays for all medical expenses incurred during a stay of more than 24 hours in a hospital due to an accident or illness, including mental diseases. Room rent, ICU fees, prescription costs, diagnostic test costs, and so on are all included in the medical expenses.
• It covers day-care procedures and medical procedures that do not require a hospital stay of more than 24 hours.
• The plan pays for medical expenses incurred during a home treatment that lasts more than three days and is approved by a doctor.
• If the insured needs an organ transplant, all expenses spent by the organ donor for harvesting the organ are covered.

Why Purchase Rs.30 Lakh Health Insurance?

Medical care is costly, particularly in the private sector, therefore obtaining a health insurance policy for yourself and your family is a must. Hospitalization has the power to deplete your financial account and throw your finances into disarray. It will be even more difficult if the individual who brings in the money is now in a hospital bed. All of this can be prevented by paying a small annual premium that will take care of your worries in the case of a medical emergency.