Top 10 Health Insurance Policies in India to Consider

Needless to say, changes in people’s habits and lifestyles have made us prone to fatigue and illnesses. Even, accidents and natural calamities have added to illnesses nowadays. Medical insurance acts as a savior from skyrocketing medical costs. In the last few years, health insurance has changed a lot and offers varied features in the form of riders, benefits, and variants.

With the availability of so many health insurance products, it gets extremely difficult to choose a health insurance plan for yourself. However, to put a halt to your confusion and to simplify this task, InsuranceDekho has come up with the top 10 health insurance plans based on certain parameters, such as eligibility, affordability, features and benefits, coverage, limits, and exclusions.

Top 10 Health Insurance Plans

Here are the Top-Notch Health Insurance Policies:

Know About Best Health Insurance Policies In Detail

1. Niva Bupa Health Companion Plan

Niva Bupa Health companion policy is a cost-effective and comprehensive/customized plan for individuals as well as nuclear families (policyholder, spouse, and up to 4 children). The plan offers multiple benefits such as direct claim settlement, hospitalization expenses, and coverage up to INR 1 Crore. The plan has been explained in detail below:

Features and Benefits of Niva Bupa Health Companion Policy

Mentioned below are the features and benefits of Niva Bupa Health Companion Benefit:

• Hospitalization Expenditures: The plan covers the medical expenses in case the policyholder is hospitalized for any covered treatment/illnesses.
• No Cap (sub-limit) on Room Rent: The plan covers hospital accommodation costs without any cap on room rent, where suite and above-room categories are exempted.
• Pre and Post-Hospitalisation Charges: For a covered plan, the policy reimburses pre-hospitalization charges up to 30 days and post-hospitalization charges for 60 days.
• Coverage for AYUSH Treatments: The plan offers in-patient coverage for alternative AYUSH treatments like Ayurveda, Unani, Siddha, and Homeopathy, as per the insured base amount.
• Long-Term Policy Benefits: A discount of 12.5 percent is offered on the premium when a policy is purchased for 2 years.

2. Royal Sundaram Lifeline Supreme

The Royal Sundaram Health Insurance plan offers comprehensive health insurance coverage which can be bought for an individual and as a family floater plan as well including self, spouse, and dependent children. It is the most suitable plan providing multiple benefits for an individual and family such as Health & Wellness benefits, Annual Health Check-ups, Second Opinions for Critical Illness, and many more benefits. Let’s get a detailed picture of this plan:

Features and Benefits of Royal Sundaram Lifeline Supreme Plan

Mentioned below are the features and benefits of the Royal Sundaram Lifeline Supreme plan:

• In-patient Hospitalization Charges: The plan covers in-patient (person staying in the hospital during treatment) hospitalization charges up to the amount insured.
• Pre and Post Hospitalization Charges: Provides reimbursement of pre-hospitalisation charges for 60 days and post-hospitalization charges for 90 days.
• Day-Care Procedures: Covers all the day-care procedures considering the insured amount.
• Ambulance Expenditure: Includes ambulance expenses to the nearest hospital up to INR 5,000.
• Organ Transplant Cover: The plan covers the organ transplant up to the sum insured.

3. Aditya Birla Active Assure Diamond

Aditya Birla Active Assure Diamond is among the best health insurance plans in India. It offers comprehensive health insurance coverage known as Active Assure Diamond. It offers various benefits and wide insurance coverage at affordable and smart prices.

Features and Benefits of Active Assure Diamond Plan by Aditya Birla

• Sum Insured Restoration: The Plan offers restoration of the sum insured in case the sum insured is exhausted/ insufficient due to earlier filed claims. In this cover, an insured gets up to 150 percent additional sum insured (maximum of 50 Lacs) for hospitalization.
• Domiciliary Hospitalization: The plan covers the charges for domiciliary (at home) hospitalization amounting to 10% of the sum insured which can be due to the health condition or due to unavailability of the bed in the hospital for treatment.
• Day Care Process: It covers 586 day-care procedures (for hospitalization less than 24 hours). For example, dialysis.
• Hospitalization Charges: Room rent, boarding expenditures, consultants’ fees, specialist’s fees, oxygen charges, nursing expenses, surgeon’s fees, anesthetist fees, operation theatre expenses, diagnostics fees, medicines & drugs fees, and blood charges, are all covered by the plan.
• Ambulance Expenses: The plan covers emergency ambulance transportation expenses to the nearest hospital ranging from INR 1,500 to INR 5,000.
• Pre and Post Hospitalization Coverage: Offers pre-hospitalization cover for 30 days and post-hospitalization expenses (which is extended to domiciliary hospitalization/ In-patient hospitalization/ daycare treatment) up to 60 days which comprises the doctor’s fee, medicines, diagnostic tests, physiotherapy, drugs & other consumables.

4. Care NCB Super Premium

NCB Super Premium by Care Health Insurance is a unique insurance plan that offers an enhanced sum insured loaded with NCB benefits. Here are the details of this plan.

Sum Insured Options- Super saver (Care 3), Elite (Care 4), Elite Plus (Care 5), Global (Care 6), Global Plus (Care 7). The premium and sum insured increase with every step.
Super saver- INR 4 Lacs
Elite- INR 5 lacs, INR 7 Lacs, INR 10 Lacs
Elite Plus- INR 15 Lacs, INR 20 Lacs, INR 25 Lacs, INR 30 lacs, INR 40 Lacs
Global- INR 50 Lacs, INR 60 Lacs, INR 75 Lacs
Global Plus- INR 1 Crore, INR 2 Crores, INR 3 Crores, INR 6 Crores

Features and Benefits of Religare NCB Super Premium

• Pre and Post Hospitalization Coverage: Covers pre-hospitalization charges for diagnostic tests, routine medication, doctor consultations fees, and investigative tests up to 30 days and post-hospitalization charges up to 60 days.
• Ambulance Expenditure: Covers reimbursement for the ambulance expenses for transportation to the nearest hospital. When needed, this plan can be expanded to domestic air ambulances as well.
• In-Patient Hospitalization charges: Plan covers room rent, nursing expenses, doctor's fee, surgeon's fee, anesthesia charges, blood charges, oxygen charges, operation theatre expenses, etc. in case of in-patient hospitalization (the minimum period of 24 hours).
• Day-care Treatment: The plan includes medical expenses for more than 540 covered day-care procedures (less than 24 hours of hospitalization).
• Room Rent: The plan offers reimbursement for staying in a single/private room as per the sum assured.

5. HDFC ERGO Optima Restore

HDFC ERGO Optima Restore is an affordable yet comprehensible health plan available for individuals as well as families that comes with a restore benefit that automatically restores the basic sum insured if you consume the sum insured during the policy year. It also provides you with a multiplier benefit which means doubling your basic sum insured in 2 claim-free years.

Features and Benefits of Apollo Munich Optima Restore

• In-Patient Hospitalization: The Plan includes in-patient medical expenses (more than 24 hours stay). Also, this cover comes with no room rent limits.
• Day-Care Procedures: The plan covers medical expenses of all the day-care procedures, that is, less than 24 hours in hospital.
• Pre and Post Hospitalization Coverage: The plan offers pre-hospitalization cover and post hospitalization cover for up to 60 and 180 days respectively which includes expenses for diagnostic tests, routine medication, doctor consultations fees, and investigative tests.
• Domiciliary Treatment: The plan covers medical expenses of home treatment which cannot be undergone at home by the insured.
• Organ Donor Expenses for Transplant: Covers expenses incurred on harvesting organs for organ transplant of the insured.

6. Universal Sompo Privilege Plan

Universal Sompo Privilege plan offers individual and family floater insurance and offers a range of sum-insured options. For individual and family floater health plans, it offers a sum assured ranging from INR 1 Lacs to 10 Lacs.

Features and Benefits of Universal Sompo Privilege Plan

• Entry Age: The plan offers insurance coverage for a 3-month-old baby to a 55-year-old adult.
• Day-care Procedures Benefit: The plan includes medical costs for 141 day-care procedures.
• Pre and Post-Hospitalization Expenses: Covers expenses up to 60 days in case of pre hospitalization and expenses up to 90 days post hospitalization.
• Domiciliary Treatment: Covers medical expenses for covered domiciliary treatment undergone at home.
• Cover Ambulance Expenses: Covers medical expenses for the ambulance transportation used for transferring the insured to the nearest hospital.

7. Star Health Optima Plan

Star Health Optima Plan offers health coverage for the whole family including their spouse and dependent children at a very affordable price. Under this health insurance plan, for every claim-free year, a free health check-up is rewarded. Other than this, it offers a wide range of features and benefits including pre hospitalisation expenses, post hospitalisation expenses, donor expenses for organ transplantation, etc.

Features and Benefits of Star Health Optima Plan

• Entry Age: This plan offers insurance coverage for an individual between the ages of 16 days to 65 years.
• Pre and Post Hospitalisation Expenses: Under this plan, pre hospitalisation expenses for up to 60 days and post hopsitalisation expenses for up to 90 days are offered.
• Domiciliary Hospitalisation: It offers treatment expenses for domiciliary hospitalisation i.e. treatment at home, for a duration exceeding 3 days.
• Air Ambulance Expenses: Expenses incurred due to air ambulances are offered by the company for up to 10% of the basic sum insured during the insurance plan duration.
• DayCare Procedures: Expenses incurred for all sorts of daycare procedures are covered that require less than 24 hours for treatment.

8. HDFC ERGO my: health Suraksha Plan

HDFC ERGO my: health Suraksha Plan provides various sum insured options ranging between Rs 3 Lakh to Rs 75 lakh and the plan can be availed by the policy proposer under three variants namely, Silver Smart, Gold Smart and Platinum Smart Plan. This plan comes with a lifelong renewability option.

Features and Benefits of my: health Suraksha Plan

• Entry Age: People of any age can get insured under this plan. Moreover, it comes with a lifetime renewability option.
• Wellness Features: The policy offers the policyholders a benefit to avail of various wellness features such as health incentives for their health maintenance, and fitness discounts at the time of renewal.
• Exclusive Covers: Benefits for various exclusive covers can be availed by the policyholder such as recovery benefits, air ambulance, infertility benefits, etc.
• Pre and Post Hospitalisation Expenses: Under this plan, pre hospitalisation expenses for up to 60 days and post hopsitalisation expenses for up to 180 days are offered.

9. ManipalCigna ProHealth Plan

ManipalCigna ProHealth Plan offers health insurance coverage to the individual and their family members during the time of any medical emergency. This insurance plan offers comprehensive cover ranging from Rs 2.5 Lakh to Rs 1 Crore, wherein the individuals are given the option to select the sum insured as per their age, income, and number of family members involved.

Features and Benefits of ProHealth Plan

• Entry Age: Any individual who is aged more than 91 days can easily get insured under the plan. However, children who are between the age of 91 days to 18 years will be offered cover only if 1 of their parents are insured under the same plan.
• Pre and Post Hospitalisation Expenses: Under this plan, pre hospitalisation expenses for up to 60 days and post hopsitalisation expenses for up to 90 days are offered.
• Free Look Period: A policyholder will get a 15-day free look period to ensure that they are satisfied with the terms and conditions mentioned in the policy.
• Organ Donor Expenses: The policyholder will get coverage for in-patient hospitalisation costs incurred due to organ transplantation.
• DayCare Procedures: The expenses for 171 listed daycare procedures are covered by the insurance company.

10. Star Senior Citizen Red Carpet Plan

This insurance plan by Star Health Insurance is specifically designed to offer medical coverage to senior citizens. Individuals who are aged between 60 years and 75 years can get covered under the insurance plan. The plan can be purchased on both individual and family floater basis.

Features and Benefits of Senior Citizen Red Carpet Plan

• Entry Age: Any individual who is aged between 60 years to 75 years can get themselves insured under this insurance plan.
• Sum Insured: The policyholder gets to choose between various sum insured options i.e. 10 lakh/ 15 Lakh / 20 Lakh / 25 Lakh.
• Free Look Period: A policyholder will get a 15-day free look period from the date of issuance of the policy to ensure that they are satisfied with the terms and conditions mentioned in the policy.
• Tax Benefits: An individual can avail of tax benefits under section 80D of the Income Tax Act.
• Day Care Procedures: The policyholder can avail coverage for all day care procedures that require less than 24 hours.

Disclaimer: This article is issued in the general public interest and is meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive and should research further or consult an expert in this regard.