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Top 5 Health Insurance Plans available at a Low Premium

Updated On Apr 08, 2021

Health insurance premium, the most common term used in the insurance sector, is the amount paid for health insurance every month to lessen stress during medical emergencies. It is the first thing that a potential policyholder looks for before purchasing health insurance. We run after health insurance policies available at low premiums. And therefore, while shortlisting, we often tend to ignore the number of coverage features that a policy is offering. Clearly, without adequate coverage features, even a policy with a low premium is of no use.

This article brings you a list of health insurance plans that not only come at low premiums but offer comprehensive coverage features as well.

Top 5 Affordable Health Insurance Plans in 2021

Sometimes, it can be hard to find an affordable health insurance policy that offers wide coverage. But with InsuranceDekho by your side, the trouble is minimized. To make the health insurance buying process easy, here we have compiled a list of the top 5 health insurance plans that you can buy at affordable premiums in 2021. To know more, kindly refer to the table below:

Name of the Insurance Company

Name of the Insurance Policy



Edelweiss General Insurance


Rs. 5 Lakh

Rs. 387 (Rs. 4,645 annually)

Care Health Insurance


Rs. 5 Lakh

Rs. 396 (Rs. 4,748 annually)

Aditya Birla Health Insurance

Active Assure-Diamond

Rs. 5 Lakh

Rs. 433 (Rs. 5,197 annually)

Star Health And Allied Insurance

Young Health

Rs. 5 Lakh

Rs. 448 (Rs. 5,375 annually)

ManipalCigna Health Insurance

ProHealth Protect

Rs. 5.5 Lakh

Rs. 509 (Rs. 6,106 annually)

Source: (Data as of Feb 22, 2021)

1. Edelweiss Silver

Edelweiss Silver is an affordable policy, the premium for which starts at Rs. 387. The policy covers you for several healthcare expenses such as in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, domiciliary hospitalisation expenses, treatments taken under AYUSH systems of medicines, etc.

2. Care by Care Health Insurance

Care policy is a reliable policy that covers you and your family against major healthcare expenses. For instance, cover for in-patient hospitalisation expenses, ambulance expenses, treatments taken under AYUSH systems of medicines, organ donor cover, domiciliary hospitalisation expenses, etc. the policy can be purchase at affordable premium for sum insured options ranging between Rs. 3 Lakh and Rs. 75 Lakh. Available for 1 year, 2 years, and 3 years, the minimum entry age on individual basis is 5 years and on floater basis it is 91 days.

3. Aditya Birla Activ Assure Diamond

Activ Assure-Diamond is next on the list of most affordable plans in 2021. The policy offers cover to people aged at least 91 days for sum insured options starting from Rs. 2 Lakh. The coverage benefits include air ambulance expenses, HealthReturns, in-patient hospitalisation expenses, daycare expenses, health coach or wellness coach benefits, etc. Also, under the policy, you can purchase add-on benefits by paying an extra premium. These are Super No Claim Bonus (SNCB), unlimited recharge, accidental cover, etc.

4. Young Star Silver by Star Health And Allied Insurance

Another affordable health insurance policy is Young Star by Star Health And Allied Insurance. The policy offers coverage to people aged between 18 years and 40 years and dependent children aged between 91 days and 25 years. Coverage benefits offered include in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, daycare expenses, e-medical opinion, etc. Other benefits offered under the policy include cover for health check-up, automatic restoration of the sum insured, cumulative bonus, additional basic sum insured for Road Traffic Accident (RTA).

5. ManipalCigna ProHealth Protect

ProHealth policy by ManipalCigna covers people aged at least 91 days, for sum insured options ranging between Rs. 2.5 Lakh and Rs. 1 Crore. The policy covers you for organ donor expenses, in-patient hospitalisation expenses, worldwide cover, maternity expenses, pre-hospitalisation and post-hospitalisation expenses.

Kindly note that the premiums of health insurance plans listed above are applicable if a female aged 18 years, who are living in Delhi, purchases a health insurance policy for a term of 1 year. The premium may vary if the information related to the age of the member, policy term, coverage benefits, the sum insured, etc. is altered.

Things to Remember Before Buying a Health Insurance Plan

Highlighted below are some things that you should consider before purchasing any health insurance plan:

  • Choose a Right Insurance Company

When buying a health insurance plan, it is important to choose the right health insurance provider. It is because during the time of claim settlement, an insurance company with a lower claim settlement ratio can act as a problem. The track record of insurance companies in terms of financial strength and their payout ratio are crucial things to look at before signing any documents in order to avoid facing any difficulty in claiming the sum assured.

  • Waiting Period

Before initiation of the health insurance coverage, a policyholder is required to go through a specified time limit known as waiting period. The time period usually ranges between 2-5 years depending upon the specific plan chosen by the insured. Ensure that while buying a policy you select a health cover with a shorter waiting period.

  • Sub-limits of the Plan

At the time of purchasing a health plan, you must pay due attention to the sub-limits. There are various sub-limits within a plan having specific covers on room rent expenses, consultation fee of the doctor, diagnostic fee. During an emergency if you get admitted at an expensive hospital, then sub-limits can act as a problem towards your treatment. Therefore, it is suggested to buy a plan with minimum or no sub-limits.

  • Cashless Network

While purchasing a health insurance plan, you must look for insurance companies having a good list of network hospitals that provide cashless claim settlement. This is because the cashless claim settlement process is a lot quicker, requires less documentation work, and offers speedy reimbursement.


Now that you know enough about the top 5 health insurance plans on the basis of premiums, you must also know that choosing health insurance plans solely on the basis of the premium is a grave mistake that one may make. Even when choosing from the plans listed above, you should give enough importance to the coverage benefits. So, next time to plan to buy health insurance, don’t forget to check coverage benefits as well as exclusions over just the policy premium.

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

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