List of Best Health Insurance Plans in India 2022

Meeting with a sales representative from a certain firm and hearing about the greatest characteristics of a particular plan was the ideal approach to obtaining a health insurance policy. The agent will often adapt their plan to fit your requirements in an effort to persuade you to purchase it.

However, when you purchase in this manner, one is left with the worry that you could be passing up on alternative health plans which are both comparably more affordable and advantageous. And the whole insurance purchasing procedure has been redesigned and simplified thanks to online insurance websites. Finding inexpensive health insurance is now incredibly quick and simple. To know more affordable health insurance plans, read on.

Why Should You Buy a Health Insurance Plan?

You are undoubtedly well aware that health insurance is not inexpensive. There are, however, a variety of options to obtain affordable health insurance. Go basic if you wish to significantly reduce your premium spending. However, it is worthwhile to include the riders in the plan if they are beneficial and cost a little additional money. An additional approach to reduce the cost of your coverage is to actively choose greater deductibles and receive premium savings.

Employer-provided health insurance is the one that is most frequently disregarded. Currently, the majority of firms provide group insurance to their employees. An individual is only protected, though, for as long as he works for that business. Therefore, it would appear that buying a personalised individual health plan is essential.

List of Best Health Insurance Plans in India 2022

Following are some of the listed health plans -

• Aditya Birla Active Assure Diamond Health Plan -

This is a comprehensive health insurance plan that provides the greatest level of financial security during medical crises. The insurer under this plan covers the costs of 586 daycare medical treatments. Second medical opinions on serious illnesses and emergency evacuation coverage for both local and foreign travel are a few of the specific features.

• Bajaj Allianz Health Guard -

This health plan is made to pay for hospital bills for both individuals and families. You may get this medical insurance coverage if you are 18 to 65 years old. Hospitalisation costs incurred by the policyholder due to illness or injury are covered by the insurer. It is intended to cover expenditures associated with childbirth, Ayurvedic and homoeopathic treatments, organ donation charges, bariatric procedures, and daycare medical procedures that don't need more than a day in the hospital.

• Bharti AXA Smart Health Assure Plan -

Ayush treatment costs, maternity costs with newborn infant coverage, ambulance costs, in-home hospitalisation costs, and organ donor costs up to the maximum amount insured. Additionally, it provides lump-sum payments for serious conditions. It guarantees full recovery of the insured amount.

• Kotak Health Premier -

A complete health insurance programme that delivers value-added advantages in addition to protection. The health insurance plan also covers OT costs, 405 daycare treatments, and ICU treatment costs in addition to hospitalisation costs. This plan also includes coverage for second e-opinions, air ambulances, organ donors, maternity, hospital daily cash, and compassionate visits.

• Oriental Individual Mediclaim Health Plan -

This is a complete health plan that is reasonably priced. Hospitalisation costs, such as surgeon fees, room and ICU fees, diagnostic tests, dialysis, chemotherapy, lab tests, etc., are all covered by the policy. The insurance company also offers a 10% family discount. Additionally, candidates under the age of 55 do not need to undergo pre-medical testing.

• Reliance Health Gain Insurance Policy -

This health plan aids individuals and families in covering the cost of hospitalisation. Benefits including pre- and post-hospitalization expenditure coverage, cashless hospitalisation, and various other add-on options are provided by this policy.

Endnotes

Remember that veterans and business professionals agree that choosing a health plan exclusively on the basis of premium is a big error. Therefore, while selecting health insurance, keep in mind to prioritise coverage and exclusions above the entire cost of the insurance plan.

Also Read: 

Learn How To Check Health Insurance Policy Status

How is Future Generali Health Insurance?