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Top Health Insurance Plans With Ambulance Cover

Published On Apr 12, 2019 5:30 AM By Sakshi Aggarwal

Health emergencies can be traumatic. But the affected person shouldn’t have to worry about the medical expenses incurred during the emergency treatment. Also, considering the fact that today, emergency call-out fee costs way too much, it becomes prohibitively necessary to opt for health insurance policies with road or air ambulance for emergency evacuation. 

Ambulance cover can be an emergency cover or a comprehensive cover. In case of life-threatening illness or injury, it covers ambulance services and transport, whereas, in the latter, financial protection is provided against the expenses related to ambulance services either in the emergency or non-emergency situations. 

A majority of people in India are unclear about the fact that health insurance policies cover ambulance cost or not, and if they do, then which are the best one to opt for. Some health insurance policies do cover it, while others don’t. Also, there is a limit and certain terms and conditions applied when it comes to ambulance charges.

Let us know about the best health insurance plans in India that offer good coverage on expenses related to the ambulance.

1.ManipalCigna ProHealth plan 

ManipalCigna's ProHealth plan provides its policyholders with comprehensive coverage of medical expenses for in-patient hospitalisation. This includes daycare, room rent, pre and post hospitalisation, doctor expenses, medical bills, etc. The premium for the plan is dependent on lifestyle, age, the sum insured, gender, geographical location, and medical condition. 

The plan has several variants, viz, ProHealth Protect, ProHealth Plus/Preferred/Premier, ProHealth Accumulate Large Cover. The coverage will be up to the limits specified under the plan opted by the insured. For instance, ProHealth Protect plan covers ambulance charges for up to Rs. 2,000 per hospitalisation. Whereas, ProHealth Plus covers ambulance expenses for up to Rs. 3,000 per hospitalisation In Preferred/Premier variant, actual expenses for an ambulance are covered. The plan also provides an add-on for critical illness. 

Key features of ManipalCigna ProHealth plan: 

  • Sum insured-2.5 Lakh-1 Crore. 
  • Entry age-Different for different variants.
  • Exit age limit-There is no maximum age limit.

Take a glance at the major benefits that the plan provides:

  • Worldwide emergency cover-up to SI (once in a policy year)
  • Restoration of Sum Insured
  • AYUSH Cover
  • Maternity expenses
  • Newborn baby expenses
  • First-year vaccinations
  • Daycare treatment
  • In-patient hospitalisation cover

2. Royal Sundaram Lifeline Plan

Lifeline plan is available as an individual plan as well as a family floater plan including yourself, your spouse and your children between 91 days and 25 years of age. The plan has three variants, viz, Classic, Supreme and Elite. The Elite variant offers the highest coverage for ambulance charges up to Rs. 10,000. Whereas, Classic and Supreme plans offer it for up to Rs. 3,000 and Rs. 5,000 respectively. 

Key features of the plan: 

Sum Insured: Rs. 2 Lakh-Rs. 1.5 Crore 

Minimum entry age: 18 years  

Maximum age limit: No restriction  

Let us have a look at the major benefits of this plan-

  • 100% reload of the sum insured without charging anything extra.
  • No room rent capping and no disease-specific limits.
  • The double sum assured in 5 claim-free years with NCB.
  • Covers AYUSH treatment. 
  • Vaccination at the time of the animal bite.

3. Religare Care 

Religare Care is a comprehensive health insurance plan that pays for medical expenses arising due to any injury, accident or illness of the policyholder. The plan has several variants, with the Sum Insured of up to Rs. 6 Crore. And the ambulance charges are covered for up to Rs. 3,000 per hospitalisation depending upon the variant opted for.  

Key Features of the Religare Care plan:

  • Sum Insured-3 Lakh-6 Crore
  • Minimum entry age-91 days
  • Maximum age-No bar

Major benefits of the Care plan:

  • No Claim Bonus of up to 150% with NCB Super
  • Benefit of unlimited automatic recharge
  • Global coverage for 12 critical illnesses
  • Available with various riders 

4. Apollo Munich Optima Restore Plan

Optima Restore Plan from Apollo Munich is a plan that caters to the needs of an individual as well as of a family. The family plan caters to the medical needs of your family covering your spouse, dependent children, parents, and parents-in-law. It is the next best plan that offers ambulance coverage of up to Rs. 2,000 per hospitalisation in both the plans at affordable premiums. 

Key Features of the plan:

Eligibility-5-65 years

Policy term-1 or 2 years

Sum insured-3-50 Lakh

Major benefits of Optima Restore Plan-

  • Multiplier benefit.
  • Emergency air ambulance cover. 
  • Customer-friendly portability policy.
  • Stay active benefit.
  • Restore benefit.
  • Daily cash for choosing shared accommodation. 

5. Star Family Health Optima Plan

Star Family Health Optima Plan is a single policy with wider coverage for the entire family. It provides cover for private ambulance service for up to Rs. 750 of sum per hospitalisation and an overall limit of Rs. 1,500 in each policy period. It is provided for transportation of the insured person for medical emergencies.

The plan also covers air ambulance charges of up to 10% of the basic sum assured during the entire policy period. The facility can be availed provided, certain conditions mentioned in the brochure available on the company’s official website are fulfilled.    

Key Features

Eligibility: 16 days old (for children), and 18 years for adults. The maximum age limit is 65 years.
Policy term: Annual. 
Sum insured: 1, 2, 3, 4, 5, 10, 15, 20, 25 Lakh. (SI options of Rs. 1 Lakh and Rs. 2 Lakh are available only for renewals) 
Members covered: Maximum 5 members are covered (Maximum adults-2, Maximum children-3)  

Some major benefits of the plan are: 

  • Options for portability 
  • Tax benefits
  • health check-up benefit  
  • Expenses towards more than 400 daycare procedures. 
  • Restoration benefit

It is clear that ambulance cover is both necessary and essential feature of a health insurance plan, which one should consider before buying one. While deciding on one policy, you need to decide on the limit, if the plan has any. While some may provide only call-out benefits, others may even restrict the number of claims made on a clear basis. 

Other benefits that one should consider before buying a health insurance are-cashless treatment, cover for pre and post hospitalization, expenses of routine medical check-ups, in-patient hospital expenses, no claim bonus, daily allowance, recharge of sum assured, room rent, etc. 

To decide on which policy to buy, you may also visit the official website of the insurer or contact health insurance broker like 

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