Health Insurance

Health insurance is a crucial aspect of financial planning, providing individuals and families with the necessary coverage for medical expenses. With the growing importance of healthcare, it becomes essential to choose the right health insurance plan that suits one’s needs and offers comprehensive coverage. Here we will explore the top health insurance plans available in India. These plans have been carefully selected based on factors such as coverage, benefits, network hospitals, claim settlement ratio, and customer reviews. Whether you are seeking individual coverage or looking to protect your entire family, this will guide you through the best health insurance options in India, ensuring you make an informed decision to safeguard your health and financial well-being.

Best Health Insurance Plans in India

Aditya Birla Activ Health + Multiply Fit Combo

Aditya Birla Activ Health + Multiply Fit Combo is a unique health insurance plan that combines comprehensive coverage with wellness benefits. This plan offers a holistic approach to health by providing coverage for hospitalization expenses, pre and post-hospitalization costs, daycare procedures, and ambulance charges. In addition to the coverage, the Multiply Fit feature encourages policyholders to lead a healthy lifestyle by rewarding them with wellness benefits.

Entry Age:
The minimum entry age is 5 years, with no maximum entry age limit.

Sum Insured Range:
Starting from Rs. 2 lakhs and going up to Rs. 2 crore.

Network Hospitals:
10,000+

Benefits:

• Lifelong renewability ensures continuous coverage.
• Cashless claim settlement for hassle-free medical treatment.
• Wellness benefits promote and incentivize a healthy lifestyle.
• Tax benefits under prevailing tax laws.
• Access to additional services like second medical opinion and health check-ups.

Star Health Senior Citizens Red Carpet

STAR Health’s Senior Citizens Red Carpet Health Policy is a specialized health insurance plan designed exclusively for senior citizens. It offers comprehensive coverage and benefits tailored to meet the unique healthcare needs of elderly individuals.

Entry Age:
The minimum entry age is 60 years, with no maximum entry age limit.

Sum Insured Range:
Starting from Rs. 1 lakh and going up to Rs. 25 lakhs.

Network Hospitals:
12,000+

Benefits:

• Offers comprehensive coverage.
• Covers specific age-related ailments.
• Offers no-claim bonus.
• Offers lifetime Renewability.

HDFC ERGO My: Health Women Suraksha

HDFC ERGO My Health Women Suraksha is a comprehensive health insurance plan specifically designed to cater to the healthcare needs of women. This plan offers a wide range of benefits and coverage options to address various health concerns unique to women. It provides coverage for maternity expenses, including pre and post-natal care, delivery expenses, and newborn baby coverage. The plan also includes coverage for specific women-related critical illnesses such as breast cancer and cervical cancer.

Entry Age:
The minimum entry age is 18 years, while the maximum entry age is 65 years.

Sum Insured Range:
Starting from Rs. 3 lakh and going up to Rs. 24 lakhs.

Network Hospitals:
13,000+

Benefits:

• Wellness benefits, including coverage for health check-ups to monitor health and detect issues early.
• Coverage for other medical expenses like hospitalization, surgeries, consultations, and medication.
• Hassle-free claim settlement with a high claim settlement ratio for efficient and smooth processing.

Care Youth Health Insurance Plan

The Care Youth Health Insurance Plan is a specialized health insurance policy designed specifically for the healthcare needs of young individuals. It offers comprehensive coverage and a range of benefits tailored to meet the unique requirements of the youth. The plan provides coverage for hospitalization expenses, pre and post-hospitalization costs, day-care procedures, and ambulance charges.

Entry Age:
The minimum entry age is 18 years, while the maximum entry age is 35 years.
91 days old child in family floater plan.

Sum Insured Range:
Starting from Rs. 3 lakh and going up to Rs. 25 lakhs.

Network Hospitals:
19,000+

Benefits:

• Maternity benefits for prenatal and postnatal care, delivery charges, and newborn baby coverage.
• Wellness benefits like coverage for preventive check-ups, gym memberships, nutrition consultations, and fitness activities.
• Cashless hospitalization at a wide network of hospitals.
• Tax benefits under Section 80D of the Income Tax Act.

Reliance Health Gain Policy

Reliance Health Gain Policy is a comprehensive health insurance plan offered by Reliance General Insurance. It provides extensive coverage for various medical expenses, ensuring financial protection for individuals and families. The policy aims to provide individuals with peace of mind and financial security during healthcare emergencies, making it a reliable choice for health insurance coverage.

Entry Age:
The minimum entry age is 18 years, while the maximum entry age is 65 years.

Sum Insured Range:
Up to Rs. 3 Crores.

Network Hospitals:
9100+

Benefits:

• Lifelong renewability, providing long-term protection against medical expenses without age restrictions.
• Cashless treatment at a wide network of hospitals.
• Tax benefits under Section 80D of the Income Tax Act, reducing the overall tax liability for the policyholder.
• Affordable premiums based on coverage and sum assured, ensuring comprehensive health insurance coverage at reasonable costs.
• Quick and efficient claim settlement process.

ICICI Lombard- Complete Health Insurance Policy

ICICI Lombard’s Complete Health Insurance Policy is a comprehensive health insurance plan designed to provide individuals and families with extensive coverage and benefits. With lifelong renewability, the policy offers continuous coverage and peace of mind. ICICI Lombard’s Complete Health Insurance Policy is designed to safeguard the well-being of individuals and their families, providing comprehensive coverage and essential benefits for a secure and worry-free future.

Entry Age:
The minimum entry age is 91 days for children and 18 years for adults.

Sum Insured Range:
Up to Rs. 50 Lakhs.

Network Hospitals:
6700+

Benefits:

• Comprehensive coverage for hospitalization, pre and post-hospitalization, daycare procedures, ambulance charges, and organ donor expenses.
• Lifelong renewability without age-related restrictions.
• Cashless hospitalization at a wide network of hospitals.
• Coverage for specific illnesses and critical illnesses.
• Optional add-on covers for maternity expenses, personal accident cover, and alternative treatments.
• Health check-up benefits for preventive care and early detection.
• Hassle-free claim settlement process for prompt financial assistance during emergencies.

Tata AIG Super Top Up Policy

Tata AIG Super Top Up Policy is a health insurance plan offered by Tata AIG General Insurance Company. It is designed to provide additional coverage on top of an existing health insurance policy. This policy acts as a financial buffer by offering coverage for medical expenses beyond the threshold limit of the primary health insurance plan. With its cost-effective nature and comprehensive coverage, the Tata AIG Super Top Up Policy is a valuable addition for individuals seeking enhanced protection against rising healthcare expenses.

Entry Age:
The minimum entry age is 19 days, while the maximum entry age is 65 years.

Sum Insured Range:
Starting from Rs. 3 lakh and going up to Rs. 1 crore.

Network Hospitals:
7200+

Benefits:

• Extra coverage beyond your existing health insurance plan.
• Affordable way to increase health insurance protection.
• Convenient access to cashless hospitalization at a wide network of hospitals.
• Covers hospitalization, pre/post-hospitalization, daycare procedures, and ambulance charges.
• Additional coverage for critical illnesses, maternity expenses, and optional riders.
• Extra financial protection for unexpected medical expenses, ensuring peace of mind.

Royal Sundaram Family Plus Policy

The Royal Sundaram Family Plus Policy is a comprehensive health insurance plan offered by Royal Sundaram General Insurance. It is specifically designed to cover the medical expenses of the entire family. This policy aims to provide financial security and peace of mind to families, protecting them from the financial burden of medical emergencies.

Entry Age:
The minimum entry age is 18 years (adult) and 91 days (dependent child), with no maximum entry age limit.

Sum Insured Range:
Starting from Rs. 3 lakh and going up to Rs. 50 lakhs.

Network Hospitals:
11800+

Benefits:

• Cashless hospitalization at network facilities, saving out-of-pocket expenses.
• No-claim bonus rewards healthy habits with increased sum assured for every claim-free year.
• Coverage for pre-existing diseases after a waiting period.
• Optional covers for maternity, critical illness, and personal accidents for enhanced protection.
• Tax benefits on premium payments under Section 80D of the Income Tax Act.
• Lifelong renewability for continuous coverage.
• Responsive customer support for smooth claims processing and addressing queries.

Bajaj Allianz Criti Care Policy

Bajaj Allianz Criti Care Policy is a specialized health insurance plan that provides comprehensive coverage for critical illnesses. It is designed to offer financial protection in the event of the diagnosis of critical ailments like cancer, heart diseases, organ transplant, stroke, and more. The policy offers a lump sum payout upon the diagnosis of a covered critical illness, which can be used to cover medical expenses, treatment costs, and other financial obligations.

Entry Age:
The minimum entry age is 18 years (adult) and 91 days (child), while the maximum entry age is 65 years (adult) and 30 Years (Child).

Sum Insured Range:
Starting from Rs. 1 lakh and going up to Rs. 50 lakhs.

Network Hospitals:
7600+

Benefits:

• Financial protection against the high costs associated with critical illnesses.
• Flexibility in choosing the sum assured that suits individual needs.
• Grace period for premium payment, ensuring coverage even if payment is missed.
• Tax benefits on premiums paid, reducing tax liability.
• Peace of mind, knowing that policyholders and their families are financially protected during health challenges.

Remember, investing in a good health insurance plan not only provides financial security but also ensures peace of mind, knowing that you have a safety net to rely on during uncertain times. So, take the time to evaluate your options, compare policies, and make a wise choice to safeguard your health and future.