Top Comprehensive Health Insurance Plans In The Market
Published On Aug 30, 2021 11:00 AM By InsuranceDekho
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The growing significance of health insurance policies have made the health insurance providers to roll out various different types of plans to meet the needs of different groups of the society. Various types of plans like individual, family floater, maternity, critical illness, etc. are available in the insurance market for the customers to choose from. However, before choosing a suitable plan you should always analyze your requirements and then accordingly look for the features in a policy at an affordable price.
The health insurance policy you buy should be comprehensive or in other words, it should have a wide coverage at an affordable price. It should include all your needs and basic features like medical expenses for pre and post hospitalization, room rents, ambulance charges, healthcare checkups, consultation charges, etc. You must consider factors like your age, medical history, financial budget, pre-existing diseases, number of members to be insured, etc. before investing in a health insurance plan. To make sure that your needs have been included in the policy purchased you must read the policy terms carefully.
Also read - Individual vs Family Health Insurance Plans
Top Comprehensive Health Insurance Plans
Following are some of the top and commonly bought comprehensive health insurance plans in the insurance market:
1. Religare Care Health Insurance Plan
This is a comprehensive health insurance plan by Care health insurance company. It can be bought on an individual or family floater basis and there is no maximum age limit for buying this policy cover. Individuals above 18 years of age are offered free healthcare checkups by the insurer. No claim bonus is provided to the policyholders on their sum assured for every claim free year. It covers expenses like ICU charges, ambulance charges, room rents, day care procedures, medical checkups, etc. along with the basic medical expenses incurred during hospitalization.
2. Aditya Birla Activ Assure Diamond Policy
This health insurance plan comes with extensive coverage and affordable premium range. Along with the no claim bonus for every claim free year to the customers, this plan also provides auto refill for the sum assured under the policy in case it gets exhausted. AYUSH treatments, pre and post hospitalization expenses, room rents, etc. are covered under the policy. It also provides a second opinion to the customers in case of critical illnesses like cancer, diabetes, hypertension, etc.
3. Cigna TTK ProHealth Plus Health Insurance Policy
With an affordable premium and exclusive coverage, this health insurance plan provides benefits like discounts, rewards, wellness packages, etc. It provides flexibility in the options of sum assured available under this plan and also offers abroad coverage by offering reimbursement claims. Repayment for doctors consultation fees, medication charges, etc. is also provided to the customers under this plan.
4. Star Family Health Optima Plan
Under this comprehensive health insurance policy, you can insure your entire family under a single premium amount, as it gets distributed among the members included under the plan. Healthcare checkups, automatic restoration of sum assured, daycare procedures, maternity benefits, domiciliary expenses, in-house treatments, ambulance charges, etc. are some of its inclusions for the policyholders. In a single policy period, the insurer allows 3 auto restoration of the sum assured under this plan. Cashless claim benefits are provided at the network hospital of the Star Health Insurance company.
5. Max Bupa Health Companion Policy
This is a reliable and affordable health insurance policy to save you from draining your financial savings on high costs of medical treatments. It is available in three different variants and offers coverage of around Rs. 1 Crore to the customers. Smart top up plans, cashless treatments, domiciliary expenses, organ transplant expenses, etc. are also offered to the customers. Discounts, rewards, and hospital cash benefits are also a part of this policy cover for the policyholders.
There are several health insurance providers in the insurance market which provide comprehensive and affordable health insurance policies to the customers. You must carefully go through the fine print of your policy to make sure that your requirements have been included in the policy.
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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.