Top Health Insurance for Self-employed Individuals in India
Updated On Oct 15, 2020
An individual is considered self-employed when he/she has a business that takes income but does not have any employees. As a self-employed individual, you may have to stretch hours at work which may have an adverse impact on your health. This makes it imperative to get adequate health insurance cover that keeps you protected in case of health emergencies. If you are self-employed, you can opt for an individual health insurance policy. You can also go for a family floater health insurance policy if you have a family and wish to cover them too.
Here is a list of top 5 health insurance plans for self-employed in India that you can buy at affordable premiums:
|
Name of the Insurance Company |
Plan Name |
Minimum And Maximum Entry Age |
Sum Insured (in Rs.) |
Coverage Benefits |
|
HDFC Ergo Health |
Optima Restore |
91 days - 65 years |
3 lakh - 50 lakh |
Domiciliary expenses, air ambulance or road ambulance expenses, daycare expenses, in-patient hospitalisation expenses, pre-hospitalisation expenses, free health check-up, etc |
|
Aditya Birla Health Insurance |
Activ Assure Diamond Policy |
5 years - no limit |
2 lakh - 2 crore |
AYUSH treatment, domiciliary hospitalisation expenses, organ donor expenses, free health check-up, cover for 586 daycare procedures, second opinion in case of critical illnesses, etc. |
|
Bajaj Allianz General Insurance Company Limited |
Silver Health Plan |
46 years - 70 years |
50,000 - 5 lakh |
Daycare expenses, in-patient hospitalisation expenses, free health check up in every four years, pre-hospitalisation and post-hospitalisation expenses, ambulance expenses, etc. |
|
Max Bupa Health Insurance |
Health Premia |
3 months - 65 years |
10 lakh - 3 crore |
In-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, maternity and newborn baby cover, cover for diagnostic services and OPD, etc. |
|
Care Health Insurance |
Care |
91 days - no limit |
4 lakh - 6 crore |
In-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, domiciliary hospitalisation expenses, etc |
1. HDFC Ergo Health Optima Restore Plan: Optima Restore plan is truly a unique plan offered by HDFC Ergo Health Insurance (formerly known as Apollo Munich Health Insurance) that offers extensive coverage to the policyholders. The policy covers people aged between 91 days and 65 years for sum insured options ranging between Rs. 50 lakh depending on the variant chosen. The policy covers you against several healthcare expenses such as domiciliary expenses, air ambulance or road ambulance expenses, daycare expenses, in-patient hospitalisation expenses, pre-hospitalisation expenses, free health check-up, etc. Also, the policy comes with an optional critical advantage rider that covers 8 specific illnesses.
2. Aditya Birla Activ Assure Diamond Policy: Aditya Birla Activ Assure Diamond Policy is another reliable policy that offers cover on an individual as well as floater basis. It covers people aged at least 5 years, and there is no restriction on maximum entry age.The policy covers up to 6 members including dependent children. It comes with sum insured options ranging between Rs. 2 lakh and Rs. 2 crore. You can avail several benefits under the policy such as cover for AYUSH treatment, domiciliary hospitalisation expenses, organ donor expenses, free health check-up, cover for 586 daycare procedures, second opinion in case of critical illnesses, etc. The policy offers reload of sum insured in case the sum insured exhausts.
3. Bajaj Allianz Silver Health Policy: Silver Health policy offered by Bajaj Allianz offers the individuals a sense of financial security. The policy covers parents and senior citizens aged between 46 years and 70 years and can be purchased by self-employed people lying in the same age group. The policy offers cover for sum insured options ranging between Rs. 50,000 and Rs. 5 lakh. It protects you from several healthcare expenses such as daycare expenses, in-patient hospitalisation expenses, free health check up in every four years, pre-hospitalisation and post-hospitalisation expenses, ambulance expenses, pre-existing diseases after a waiting period of 2 years, etc. The policy also offers portability benefits.
4. Max Bupa Health Premia: Max Bupa Health Premia is a popular health insurance plan that offers you broad coverage and brilliant features. People aged between 3 months and 65 years can be covered under this policy for several benefits such as cover for in-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, maternity and newborn baby cover, cover for diagnostic services and OPD, etc. You can choose sum insured options between Rs. 10 lakh and Rs. 3 crore. It comes with several add-on benefits that you can opt for as per your requirements. These include critical illness cover, personal accident cover, enhanced loyalty, hospital cash, international coverage extension, and health coach.
5. Care Plan Offered by Care Health Insurance: Last but not the least is Care plan. Minimum entry age for this policy is 91 days and there is no restriction on the maximum entry age. Available for sum insured options ranging between Rs. 4 lakh and Rs. 6 crore, the policy helps self-employed people against several healthcare expenses. These include daycare expenses, in-patient hospitalisation expenses, pre-hospitalisation expenses, post-hospitalisation expenses, domiciliary hospitalisation expenses, etc. You can also for add-on cover(s) under it such as No Claim Bonus Super, everyday care, personal accident cover, unlimited automatic recharge, etc
Being self-employed comes with an uncertainty of income in the coming months. And in such cases, nobody would be ready or would want to spend a hefty amount on hospital bills in case a medical emergency arises. So, opt for any of the above mentioned health insurance plans for self-employed and look forward to a stress-free life.
You May Also Like To Read:
Top Women Health Insurance Plans in India
Top Senior Citizen Health Insurance Plans in India
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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.
