Top 5 Health Insurance Plans To Buy In 2021
Updated On Jul 30, 2021
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Choosing a suitable health insurance policy for yourself and your family can get really confusing sometimes. There are a plethora of options to choose from and all the policies have some of the other unique benefits that attract the customers. Therefore, when you are buying a health insurance cover you must compare a lot of policies to get the one which meets your demands at an effective cost. There are several factors that must influence your choice of a health insurance cover. You must take these factors like your age, medical history, sum assured, coverage, etc. while choosing a plan.
Most of the health insurance plans have standard features in a similar price range but some companies offer extra benefits and exclusive features on their covers to deliver quality services. You can look for such offers and make your choice, as there can be discounts on family floater or critical illness insurance policies. The choice of insurance company can be made on the basis of the companies' claim settlement ratio, as it will specify the quality of claim processing services of the firm.
Top 5 Health Insurance Plans In 2021
Out of the various health insurance plans that are available in the market these days, some plans are widely bought and trusted by the policyholders. Let us look at some of these famous and prominent health insurance plans along with their specifications:
1. HDFC Ergo My : Health Suraksha Cover
This comprehensive health insurance policy by the renowned HDFC Ergo health insurance can be bought for individuals, families, or senior citizens. This plan aims to provide complete protections against all the possible medical expenses that can incur at the time of an emergency. HDFC Ergo health insurance provides a sum assured of Rs. 3 Lakh to Rs. 75 Lakh under this policy and offers three different variants for the customers to choose from. This policy has no minimum age limit and has the facility of lifetime renewability for its customers. It can be bought as a long term plan for a policy tenure of 3 years, and the premium amount can be paid in different installments. It covers some special benefits like ambulance charges, infertility cover, wellness features, pre and post hospitalization, room rent capping, and a lot more.
2. Max Bupa Heartbeat Health Insurance
This health insurance plan can cover individuals and the extended family with the benefit of covering around 19 relations under their plan. This exclusive plan covers all the family members insured within a policy with its wide coverage. This policy has three plans and each plan comes with 2 to 3 different variants to give the customers more options to choose from. It can offer maternity benefits for up to 2 deliveries to its female policyholders, and includes the medical costs of AYUSH treatments. Other benefits like no claim bonus, refill benefit, domiciliary hospitalization, and a lot more are also a part of this plan.
3. Care Advantage 1 Crore Health Insurance Plan
This is considered to be one of the best health insurance plans for individuals and families. It provides a cover with a sum assured of up to Rs. 1 Crore. Under its family floater cover, you can cover around 2 adults and 4 children with a wide range of facilities for all the members covered within the policy. It does not impose any sub-limits on the room rents or ICU charges. This plan by Care Health Insurance covers the COVID-19 treatment for its policyholders.
4. Bajaj Allianz Health Guard Family Floater Plan
Bajaj Allianz Health insurance is widely known for its quick and smooth claim settlement services. This plan by Bajaj Allianz Health insurance is a family floater plan that provides enough coverage for all the members of the family covered under the plan. The policy is offered in different variants which provides the customers with options to choose from based on their financial budget. Complimentary health checkups, reinstatement benefit, daycare procedures, etc are some of the benefits that can be availed by the customers unde this health insurance plan.
5. Aditya Birla Activ Assure Diamond Plan
This health insurance policy is a wise choice for the customers looking for a pocket-friendly cover with a wide coverage. It comes with a higher amount of sum assured options which ensures the protection of your family. This plan can also be bought by individuals under the specified age limits. The assured sum of this plan ranges from Rs. 2 Lakh to Rs. 2 Crore. Some of the other benefits under this cover include room upgrade, health coach, super no claim bonus, free health checkups, AYUSH treatments, organ donor expenses, and a lot more.
Above-mentioned health insurance policies are some of the prominently bought health insurance covers in India. You can compare these policies and get their detailed specifications from the official website of the insurance company of the respective cover.
Must Read: Best Health Insurance Plans In India
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.