Best Health Insurance Plans To Buy In 2021
Updated On Sep 15, 2021
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After the spread of the global pandemic of coronavirus disease, the demand for health insurance plans has increased dramatically as people have come to realise the importance of monetary support for medical emergencies. During the global pandemic, a lot of people lost their loved ones due to lack of quality treatment or lack of financial support at the time of hospitalization. The health insurance providers have rolled out various new features and plans that can be of great use in supporting the individuals at the time of a medical emergency.
Health insurance plans come with various benefits like tax deduction benefits, room rents, ambulance charges, domiciliary expenses, pre and post hospitalization expenses, inpatient costs, complementary healthcare checkups, telecounseling, medication and pharmacy expenses, organ donor expenses, and much more. A customer can avail the benefits of their purchased health insurance cover at the time of claim settlement process, for which they must be aware of the inclusions and exclusions in their health insurance policy.
Best Health Insurance Plans To Buy In 2021
There are a plethora of plans that are available in the insurance market. But, some plans are more popular and widely bought than the others, therefore let us look at some of the best health insurance plans which can be considered for investment in the year 2021:
1. Care Health Insurance Plan
Care health insurance firm is one of the widely trusted health insurance firms in the insurance market and it offers comprehensive and affordable plans for its customers. Theregulat health insurance plan by Care Health Insurance comes with no claim bonus benefits under which rewards are offered to the customers for every claim free year. It also provides daycare treatments, inpatient care, hospitalization costs, second opinion options in case of critical diseases, ambulance charges, daily cash benefits, annual health checkups, tax deduction benefits, etc. The insurer also compensates for AYUSH treatments which includes Ayurveda, Yoga, Unani, Siddha, and Homeopathy.
2. Star Health Family Health Optima Plan
This is a comprehensive family floater health insurance plan by Star Health insurance company, and it can cover your entire family under a single health insurance plan. It provides room rent facility of up to Rs. 5,000 to its customers. This family floater plan is cost effective and comes with facilities like organ donor expenses, air ambulance cover, ambulance cost, new born baby cover, expenses of alternative treatments like AYUSH, and second opinion for critical diseases. This plan does not cover mental disorders, endocrine diseases, war injuries, STDs, self injuries, etc.
3. Max Bupa Health Companion Plan
This health insurance plan is offered by Max Bupa health insurance company and it is a health companion plan available in three different variants. It provides domiciliary hospitalization costs, pre and post hospitalization expenses, emergency ambulance costs, living organ donor expenses, inpatient care, and a lot more. It comes with a waiting period of 4 years for pre existing diseases and up to 30 days for any other specified illness. It does not include hazardous activities, cosmetic surgery, HIV/AIDS treatment, obesity treatment, etc.
4. Aditya Birla Activ Assured Diamond Plan
This health insurance plan is offered by Aditya Birla Health insurance company and it comes with a high sum assured for the customers. This comprehensive health insurance cover comes with inpatient costs, daycare procedures, domiciliary hospitalization expenses, reinstatement of sum assured, organ donor expenses, health coach services, second opinions over telephones or internet, room upgradation, tax deduction benefits, heath returns, and much more. It does not cover genetic disease treatments, self harm injuries, mental disorder treatments, etc. To get an insight of the inclusions and the exclusions, you must go through the policy related documents carefully.
Apart from the above mentioned health insurance plans there are several other plans that offer effective and affordable coverage to their customers. You must always analyze your requirements and go through the policy terms to better understand your health insurance cover.
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.