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Top 5 Affordable Health Insurance Policies You Can Buy Online in India

Published On Nov 29, 2019 5:30 AM By Prashant Srivastava

Whether or not you have been provided with health coverage from your employer, having a personal health cover is necessary. Unlike decades ago, you can now buy a health insurance plan of your choice at your convenience. Thanks to the influx of online technology that has made this possible.

Just visit a portal like InsuranceDekho, compare a number of health policies and choose a plan that is suitable for you. Or you can talk to experts who can help you find out the most suitable plans. Professionals at InsuranceDekho suggest plans as per your needs and requirements.

Buying online clears all your doubts about what you might be missing out on other policies that are comparatively more affordable and beneficial. InsuranceDekho streamlines the entire process of purchasing health care plans. With it, finding affordable health care insurance is quite easy and hassle-free.

Find below some of the affordable health care plans in India.

Health Insurance Company Health Insurance Policy
Star Health Insurance Health Gain
Bajaj Allianz Health Guard
Care Health Insurance Care Policy
New Indian Assurance Mediclaim Policy
Oriental Insurance Individual Mediclaim Policy

 Star Health Gain

Star Health Gain by Star Health Insurance constantly ranks alongside the bestselling health insurance policies in India. A complete cover for medical expenses incurred by the policyholders due to any illness or injury, the policy makes sure the best possible medical treatment is provided to individuals as well as families in case of an unseen medical situation. The family members include self, spouse and dependent children of up to 25 years. The age eligibility criteria for adults to buy this policy is between 18 years to 65 years.

Key benefits of the plan:

  • Treatment of cataract is covered up to a limit
  • Cover for expenses 30 days before the date of admission and 60 days after discharge from the hospital
  • Cover for doctor’s fee, medical practitioner fee, surgeon’s fee, and so on
  • All the daycare procedures are included
  • Cover for outpatient expenses up to a certain limit
  • Ambulance service charges (Maximum Rs. 750 per hospitalization and Rs. 1,500 per policy period)
  • Tax benefits under Section 80D of the Income Tax Act

Bajaj Allianz Health Guard

As a leading brand, Bajaj Allianz has always ranked high in the consumer's mind. Its Health Guard Family Floater policy is comprehensive in nature. Considering features and benefits, the policy is a one-stop solution to care for your entire family members. It secures you and your family against unexpected medical emergencies. Available in two variants (Health Guard Silver and Health Guard Gold), the policy covers self, spouse and up to 4 dependent children.

Key benefits under the policy include:

  • A separate policy can be purchased for parents/in-laws
  • 60 days pre and 90 days post hospitalisation expenses cover
  • Charges for ambulance service subject to a limit of Rs. 20,000 in a policy year
  • Expenses incurred on all daycare treatment
  • Sum insured ranges from Rs. 1.5 Lakh up to Rs. 50 Lakh
  • Expenses related to Bariatric Surgery are covered
  • AYUSH treatment expenses (minimum of 24 hours of hospitalisation required)
  • Maternity and newborn baby cover (maximum of 2 deliveries)

Religare Care Policy

Are you searching for an affordable health care insurance plan? Don’t want to compromise with the coverage? If so, then Care health insurance plan by Religare Health Insurance is the name to be. A comprehensive health plan, it pays for medical expenses incurred due to any injury, illness or accident. The Care Plan has 5 different variants Care 3 (Super Saver), Care 4 (Elite), Care 5 (Elite Plus), Care 6 (Global), and Care 7 (Global Plus).

Key benefits of the plan:

  • Annual health check-ups for all members
  • Up to 150% No Claim Bonus with NCB Super
  • Cover for all daycare treatment expenses
  • Global coverage on cashless basis across listed network hospitals
  • Cover for an inpatient hospitalisation, prior and post hospitalisation (30 and 60 days)
  • Tax benefits under section 80D of the Income Tax Act
  • Sum insured from Rs. 4 Lakh to Rs. 6 Crore.

New India Assurance Mediclaim Policy

New India Mediclaim Policy offered by New India Assurance is a comprehensive health insurance policy. Providing coverage for you and your family against unseen medical expenses, the policy is available at a wide range of sum insured options. It is a good policy for you, your spouse, parents and children. The age limit to get covered under the plan is from 18 years to 65 years.

Key benefits under the policy include:

  • Cover for in-patient hospitalisation
  • Pre and post-hospitalisation (30 and 60 days)
  • ICU/ICCU expenses up to the specified limit
  • Room rent, boarding, and nursing charges, etc.
  • Expenses incurred towards ambulance services
  • Add-on benefits on paying extra premiums, such as Maternity cover, Revision in Limit of Cataract, Voluntary Co-pay discounts
  • Sum Insured options are from Rs. 1 Lakh to Rs. 15 Lakh.
  • Tax saving benefits under section 80D of the Income Tax Act.

Besides, you can include children aged between 18 years to 25 years in the plan coverage if they are financially dependent on you.

Oriental Insurance Individual Mediclaim Policy

Every plan of Oriental Insurance is popular among customers.  But one that is classic apart is Individual Mediclaim Policy.  One of the lowest-priced and most affordable health care plans in India, the policy makes sure no lack of funds during a medical emergency.  The policy covers individuals aged between 18-70 years, which include self, spouse, parents, parents-in-law, and unmarried siblings if they are financially dependent. Cover for dependent children between 3 months to 18 years is also available.

Key benefits of the policy

  • Coverage for complete inpatient expenses
  • 30 days pre & 60 days post hospitalisation expenses
  • No medical test for persons up to the age of 55 years
  • Cover for an emergency ambulance, organ donor & dental treatment arising out of accidents
  • Add-on of Voluntary Co-payment & Personal Accident Cover
  • Ayurvedic, Unani and Homeopathic treatment in government hospitals/colleges
  • Daily hospital cash benefits if hospitalisation exceeds 2 days
  • Sum insured from Rs. 1 Lakh to Rs. 10 Lakh
  • Tax benefits under Section 80D of the Income Tax Act

Prime Benefits of Buying Health Insurance Online 

A health insurance policy buyer can choose any policy purchase mode as they like. Both online and offline health insurance policy purchases are successful. However, when it comes to a better option, online purchase is highly recommended. As far as the reasons are concerned, know that there are many benefits available for online purchasing. The key ones include:

  • Online purchase of a health insurance policy is an easy, quick and convenient process. It prevents one from physically visiting the insurance office and waiting in long queues for their number to arrive. What’s best is that it makes the overall process of finding the best health insurance options comparing them to come to a final choice. As far as making a payment is concerned, all it takes is a few minutes to make payment for a policy purchase. Needless to say, the process is secure as well. 
  • Buying health insurance online is making an informed choice. When a policy buyer purchases the plan online they get to uncover detailed information about the policy as well as the health insurance company. Be it plan’s prime features, inclusions, exclusions or any other aspect, everything comes across as clear in the mind of the policy buyer. Online purchase ensures transparency and accuracy of the purchase being made, thereby fulfilling the utmost requirement of the policy buyer. 
  • Online purchase of health insurance is an affordable process. How? It is because when you buy a policy online, you eliminate the need for paying commission to the distributors as well as paying other add-on costs. 
  • One of the best advantages of online purchase of health insurance is that it is a paperless process, right from the start until the very end. There’s no need for the printed policy documents to arrive or carrying the physical documents along. Whether it is filing an application or making a claim, everything is digital and thus, free from paperwork.

Things to Consider Before Buying Health Insurance Online

Now that you are aware of the benefits of buying health insurance online, make sure you also pay emphasis to key elements that you should consider while making a purchase. The list includes:

  • Claim settlement ratio of the health insurance company
  • List of network hospitals of the health insurance company
  • Claim settlement process
  • Type of policy you want to purchase
  • Sum insured amount you want to get insured for
  • Availability of lifelong renewability feature
  • Coverage benefits under the policy
  • Exclusions under the policy
  • Free health check-up benefit
  • Waiting period (initial, pre-existing, specified diseases and others)
  • Policy premium to be paid

Key takeaways

Though there is no fixed age to buy health insurance, it is advisable to choose a plan when you turn 20 years old. No matter whether you are unemployed, self-employed, work part-time, or have just started a business, or recently got retired, a good cover is always important in your life. If you buy a policy at a young age, you happen to reduce the premiums of the policy. To buy any of the policies mentioned above, give a call to InsuranceDekho at 1800-120-5698. 

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