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Best Health Insurance Plans

Health insurance is a type of insurance that pays for medical costs incurred as a result of an illness. These charges could include hospitalization bills, pharmaceutical bills, or medical consultation fees. 

Nobody expects to get sick or harmed. However, serious illness can strike at any time. As medical costs are skyrocketing day by day, the cost of treating the illness might put a significant strain on any funds that you’ve built up over time. This means you may have to choose between providing your child with the best education possible and defaulting on your mortgage payments.

Purchasing the right health insurance plan is one of the wisest financial decisions that you can make in your life. However, there are a multitude of plans available in the market. So, which one to choose?

To make it easier, here’s a list of some of the best health insurance plans that you can consider buying!

Best Health Insurance Plans in India 2021

The below-mentioned plans are chosen based on the best sum insured options available in the market.

Name Of the PlanSum InsuredEntry AgeNetwork HospitalsClaim Settlement Ratio
Bajaj Allianz Health GuardRs. 1.5 Lakhs to Rs. 50 Lakhs18 to 65 Years6500+93.68%
Tata AIG MedicareRs. 3 Lakhs to Rs. 20 Lakhs91 Days to 65 Years4000+96.43%
Aditya Birla Active Assure Diamond PlanRs. 2 Lakhs to Rs. 2 Crores5 Years & Above7100+70.81%
Care Health PlanRs. 4 Lakhs to Rs. 6 Crores91 Days & Above7800+92.23%
Future Generali CritiCare PlanRs. 1 Lakh to Rs. 50 Lakhs18 to 65 Years4800+92%
HDFC Ergo: My Suraksha – Silver Smart PlanRs. 3 Lakhs to Rs. 5 Lakhs91 Days to Lifetime Entry10000+86.52%
Max Bupa Health CompanionRs. 3 Lakhs to Rs. 1 Crore91 Days7000+96%
IIFCO Tokio Health Protector PlusRs. 2 Lakhs to Rs. 25 Lakhs18 to 65 Years5000+102%
Star Health Comprehensive PlanRs. 5 Lakhs to Rs. 1 Crore3 Months to 65 Years9,900+63%
ICICI Lombard Complete Health Insurance PlanRs. 5 Lakhs +91 Days to No Age Limit6500+78.32%

Disclaimer: The values are taken from the respective plan brochures and are subject to change.

Brief-Description of The Above-Mentioned Health Insurance Plans

Now that you are cognizant of some of the best health insurance plans, let’s have a look at their features one by one.

1. Bajaj Allianz Health Guard

Bajaj Allianz Health Guard covers the costs of medical treatment if you are hospitalized as a consequence of a major illness or accident. The plan comes in three types: silver, gold, and platinum.

Key Features

  • Quick Claim: Quick claim payout up to INR 20,000 will be provided via Health CDC.
  • 6500+ Network Hospitals: An extensive network of 6500+ Network Hospitals across the country is available. 
  • 60-Minutes Cashless Claim Settlement: The claim of the insured person is settled within 60 minutes.

2. Tata AIG Medicare

This cost-effective plan provides you with all of the benefits you’ll need to deal with any medical emergency that may arise. You can choose your sum insured based on your demands.

Key Features

  • Increase In Cumulative Bonus: Get a 50% increase in the cumulative bonus for every claim-free year. 
  • Global Coverage: The plan provides coverage regardless of the country or region of the insured person. 
  • Restoration Benefit: You can restore your sum insured to 100%.

3. Aditya Birla Active Assure Diamond Plan

This plan was created by Aditya Birla to protect your family in the event of a medical emergency as well as ensure that you live a healthy lifestyle in the future.

The company provides comprehensive coverage to policyholders under this policy, ranging from regular medical checkups to hospitalization care. Moreover, various incentives are also provided in the form of cashback, which is credited to the policyholder’s health account, and with which policyholders can earn up to 30% of the premium amount.

Key Features

  • Daily Cash Benefit: The insured receives a set amount for daily expenses incurred within 24 hours of being admitted to the hospital.
  • Medical Check-Up Program: Every covered person is entitled to a free routine health checkup once each policy year under this plan. It is tailored to the insured’s age and the sum insured chosen.
  • Pre-Hospitalization & Post-Hospitalization Coverage: Pre-hospitalization charges are covered for 30 days, while post-hospitalization expenses are covered for 60 days.

4. Care Health Plan

Care health insurance is a comprehensive plan that provides a wide range of coverage and benefits, ensuring that you are well equipped to deal with any medical emergency.

Key Features

  • Daily Hospital Allowance: This plan provides a daily allowance to cover day-to-day hospital expenses.
  • Organ Donor Coverage: The plan will reimburse the organ donor for any medical expenditures incurred during the organ transplant surgery.
  • Pre-Hospitalization & Post-Hospitalization Coverage: This plan covers all pre-hospitalization and post-hospitalization charges for up to 30 days and 60 days respectively.

5. Future Generali CritiCare Plan

The Criticare Insurance plan from Future Generali offers a wide range of benefits to help policyholders cover a variety of expenses incurred during difficult times. It is a critical illness plan that protects a person from financial hardship and ensures that they are completely prepared for treatment.

Key Features

  • Cashless Treatment: The policyholders can leverage cashless treatments in the network hospitals.
  • 12 Critical Illness with Tax Benefits: Tax advantages are available for 12 serious illnesses, such as cancer and kidney disease.

6. HDFC Ergo: My Suraksha

HDFC Ergo: My Suraksha seeks to provide you with all-around protection against rising medical costs. The plan is a delight for individuals, families, and elderly citizens looking for the correct health cover ranging from 3 lacs to 5 lacs. It is designed with a solid idea and strong base coverage.

Key Features

  • Additional Sum Insured: Even if your present sum insured is exhausted, you will receive an additional sum insured up to the base sum insured.
  • Free Health Check-Up: Under the plan, the insured person can enjoy the benefits of free health check-ups every year.
  • Cashless Claim: Cashless claim service is available at 10,000+ network hospitals.

7. Max Bupa Health Companion

Max Bupa Health Companion is a cost-effective health insurance plan that covers your entire family’s medical expenses. The plan comes in three types, each with its own set of advantages. They are: ‘Individual’, ‘Family’, and ‘Husband & Wife’. 

Key Features

  • Alternative Treatment Coverage: Covers alternative treatments, such as Ayurvedic, Unani, Siddha, and Homeopathic treatments.
  • Refill Benefits: The plan provides an amount equal to the base sum insured as an additional amount for a subsequent claim against any unrelated disease under this benefit.
  • No Claim Bonus: For each claim-free year, the base sum insured is increased by 20% up to 100% of the base amount covered.

8. IIFCO Tokio Health Protector Plus

IFFCO Tokio Health Protector Plus coverage covers the costs of hospitalization for you and your family members as a result of an injury or physical illness. You can set a mandatory deductible amount with this health insurance policy, which you must pay either via your existing health coverage or from other sources.

Key Features

  • Transferable Policy: You can change your insurance policy from another company to IFFCO Tokio.
  • Optimal Coverage: The plan provides optional coverage in the event of job loss or change.
  • No Need for Other Basic Health Insurance: The coverage can be purchased without the purchase of any other basic health insurance policy.

9. Star Health Comprehensive Plan

It’s a full-featured family health insurance plan with no sub-limits or caps. The policy covers all members of the family for a single sum insured. The plan includes a wide range of advantages that help to alleviate healthcare concerns.

Key Features

  • Free Health Check-Up: The plan offers free health check-ups for every claim-free year. 
  • Total Disability & Accidental Death Coverage: It also covers the permanent total disability and accidental death of the insured person. 
  • Star Wellness Programs: Through different wellness activities, this program aims to promote, incentivize, and reward Insured Persons’ healthy lifestyles.

10. ICICI Lombard Complete Health Insurance Plan

The Complete Health Insurance policy from ICICI Lombard provides comprehensive coverage in the event of a medical emergency. The medical plan allows you access to a large number of cashless hospitals across the country.

Key Features

  • Pre-Existing Illness Cover: Any pre-existing disease is covered under the plan.
  • Reset Benefits: You can leverage unlimited reset benefits.
  • No Cap on Room Rent: The plan covers hospital stay expenses without a cap on room rent.

Each of the policies listed above has its own set of perks. You must first determine the benefits and understand what is covered and what is not, before choosing the finest health insurance policy. You can do some internet research or speak with any of the insurance company’s customer service representatives to choose the one that best meets your needs.

Factors To Consider While Buying a Health Insurance Plan

Health insurance is a preventative measure taken to protect your cash in the event of a medical emergency. Read on to learn 8 things to consider before purchasing a health insurance policy.

  • Premium, Coverage, & Sum Insured

To acquire a health insurance plan with specific coverage, you must pay a premium. When it comes to the sum insured, which is the maximum amount your insurer would pay out in the event of hospitalization, the amount of premium you pay is also important. As a result, premiums, coverage, and the amount covered are all linked. When evaluating health insurance packages, pay close attention to the details around these three points.

  • Cashless Network Hospitals

Always check with the insurance company about the cashless network of hospitals. The hospitals in the network offer a cashless alternative in the event of a medical emergency or hospitalization. The insurer settles the medical bills directly with the insured. Therefore, choose insurers with a large network of hospitals. 

  • Age

When it comes to health insurance, age is one of the most important criteria to consider. Keep in consideration the age of the family members who need to be covered when acquiring a medical policy. The premium cost would be determined by the age of the eldest family member, just as it would be in a family floater insurance.

When purchasing health insurance, you should also consider the age restriction criterion. For example, some health plans have a minimum age requirement of 91 days and a maximum age requirement of up to 60 years.

  • Lifetime Renewability

Look for health insurance that can be renewed for a lifetime. When you’re older, you’re more likely to contract diseases and illnesses than when you’re younger, so you should invest in a health plan that can be renewed for the rest of your life.

  • Pre/Post Hospitalization

You go to the doctor, get medicines, and have tests done before being admitted to the hospital. After you’ve been admitted to the hospital, you’ll have to pay for follow-up visits with the doctor, medications, and other costs. Choose an insurance plan that includes these features as well.

  • Maternity benefits

Pregnancy costs have increased in tandem with rising medical costs. Women must have a health insurance plan that includes maternity coverage. When it comes to maternity benefits, it’s important to check the waiting time for claiming maternity expenditures as well as the sub-limit. 

  • No Claim Bonus

What happens if you get health insurance but don’t get sick, don’t go to the hospital, and don’t file a claim? To avoid your money going to waste, choose a health insurance plan that offers no claim bonus. Every year that you go without filing a claim, your health insurance carrier will give you the no claim bonus. 

  • Claim Process

Examine the policy’s terms and conditions, as well as the insurance company’s claim procedure. When it comes to paying health claims, a smooth claim procedure is a godsend. You can conduct some research, check online customer reviews, and choose a health insurance carrier with a reputation for quick claim settlement.

Frequently Asked Questions

Most frequent questions and answers about best health insurance plans in India.

ge is a crucial element in determining premiums; the older you get, the higher your premium will be because you are more susceptible to illnesses. Another important factor that influences the premium is previous medical history. If there is no prior medical history, the premium will be immediately reduced. Claim-free years can also have a role in deciding the cost of a premium because you may be eligible for a reduction. This will instantly help you save money on your insurance.

If you pay the premium within 30 days of the policy’s expiration date, the policy will be renewed. However, coverage would be unavailable during the time when the insurance company did not receive any premiums. If the premium is not paid within the grace period, the insurance will lapse.

We should all purchase health insurance for ourselves and our families, based on our individual needs. Purchasing health insurance protects us from the unexpected costs of hospitalization (or other covered health occurrences such as critical illnesses), which would otherwise deplete household finances or potentially lead to debt.

As part of their network, insurance firms have agreements with a number of hospitals across the country. A policyholder with a cashless health insurance policy can receive treatment at any of the network hospitals without having to pay the hospital bills because the Third-Party Administrator pays the hospital directly on behalf of the insurance company.

Those in excess of the insurance policy’s limits or sub-limits, as well as expenses not covered by the policy, must be paid directly to the hospital. If you receive treatment at a hospital that is not in the network, however, you will not be able to use the cashless facility.

Yes. When you receive a new policy, there will usually be a 30-day waiting period starting from the policy’s commencement date, during which time the insurance providers will not be responsible for any hospitalization costs. This does not apply to any emergency hospitalization resulting from an accident.