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Top 5 Affordable Plans To Buy In 2021

Updated On Sep 20, 2021

Health insurance plans play a major role in all our lives as it provides monetary support and ensures quality treatment at the time of hospitalization due to a medical emergency. During the spread of the coronavirus pandemic, a lot of people lost their loved ones due to the lack of proper treatment and enough financial aid. Health insurance providers have rolled out various types of health insurance plans to support people from all groups within the society. There are certain factors like your age, medical history, financial budget, pre-existing diseases, etc. which must be considered while buying a health insurance policy, to make sure that it meets your requirements. A health insurance plan comes with basic benefits like a tax deduction, room rents, ambulance charges, no claim bonus, rewards, discounts, hospitalization costs, and much more. 

Choosing an appropriate health insurance plan for yourself and your loved ones can be tedious sometimes. The most important step to consider before investing in a health insurance plan is to analyze your requirements and demands, based on which you can research suitable plans and compare their features and benefits. Then, at last, a plan that is both extensive and cost-effective must be bought for yourself and your loved ones. There are various options that are available in the market, when buying an insurance plan. You can consider additional plans, top-up plans, super top-up plans, etc. for yourself based on your financial budget. 

Top 5 Affordable Health Insurance Plans To Buy In 2021 

Following are some of the prominently bought health insurance plans that are bought by the customers in the insurance market: 

  • Star Health Family Optima Plan 

This health insurance policy by Star health insurance firm is a family floater plan that can cover your entire family under a single plan. You can cover yourself along with your spouse, children, and dependent parents. For every claim-free year, the insurer provides a complementary healthcare checkup to the policyholder. This is one of the low-cost health insurance plans that can be bought for a wide and whole comprehensive coverage. 

  • ICICI Lombard Complete Health Insurance Policy 

This health insurance policy by ICICI health insurance company does not require any pre-medical health checkup for people up to the age of 45 years. It can cover all your medical needs and dues, and it also provides various benefits like hospitalization expenses, no claim bonus, cashless claims, tax deduction, and a lot more to the policyholders. Bonus like an additional amount insured is offered to the customers under which 10% of the sum assured is added to the cover for the customers for every claim-free year. 

  • Care Health Insurance Plan

This health insurance plan is extensive in coverage and provides a claim amount of up to Rs. 6 Crores. It not only looks after the cases of medical emergencies but also offers perks like automatic recharge of the sum assured on exhaustion. The second opinion in case of a critical illness of the policyholder is also made available for the ease of the customers. The company has a wide network of linked hospitals which makes it easy for the customers to receive cashless claim benefits at the time of an emergency. 

  • Aditya Birla Activ Health Premium Enhanced Plan

This plan intends to compensate for the medical expenses of the individuals along with their families. In cases of chronic disorders, the plan provides a one-day coverage for medication and diagnosis. It also ensures quality treatment to the customers and offers them a comfortable room during hospitalization without worrying about the money. 

  • Reliance Infinity Health Insurance Cover

This health insurance plan is a flexible and comprehensive plan that can cover up to 8 members of a family. The added insurance coverage can increase the sum assured under this plan for the policyholders to around Rs. 30 Lakhs. 


You must carefully read the fine print of your policy-related documents to understand the inclusions and exclusions in your purchased policy. It helps in avoiding inconveniences at the time of the claim settlement process.

Must Read: Why to Buy a Senior Citizen Health Insurance Policy?

Also Read: Common Myths About Family Health Insurance Plans

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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