Health insurance is soaring and health insurance is now essential for all individuals and families to cover emergency health care costs. Health insurance protects you from excessive medical, hospitalization, pre- and post-medical costs.
When choosing a health insurance plan, you need to understand what is included, restrictions, conditions, benefits, and more. To help you, here are some of the best health insurance policies in India in 2022.
Best health insurance plan in India
Activ Health Platinum Plan by Aditya Birla
This insurance plan covers medical expenses from 2 rupees to 2 rupees. The Aditya Birla Activ Health Platinum Plan is a great alternative for those looking for a comprehensive plan for themselves, as it offers some of the ideal benefits for them.
The main aspects of the policy are:
It covers the cost for 60 days before admission and 180 days after admission, and covers chronic diseases such as diabetes, asthma and hypertension from the first day of coverage.
It pays for tests, medical examinations, and medicines. In addition, illness, obesity treatment and home care are covered up to the insurance amount. This policy covers 1,000 rupees for outpatient department (OPD) visits (available for insurance amounts of over 150,000 rupees).
Star Health Elderly Red Carpet Health Policy
This policy provides coverage ranging from 1 to 25 rupees for network hospitals over 12,000 rupees.
This insurance is specially designed for seniors over the age of 60. Other health insurance policies often include an age limit of 65 years. Insurance is available on an individual and family basis and includes one-year, two-year, and three-year holding options.
The main features of the plan are:
There is no need for a pre-insurance medical examination and the insurance amount is up to 25 rupees.
It covers day care procedures such as deep brain stimulation, robot surgery, intravitreal injection, bronchial thermoplasty, surgery, and state-of-the-art treatments. From the second year onwards, we are targeting existing illnesses.
ICICI Lombard’s complete health insurance policy
The policy provides range coverage from Rs. 10,000 rupees 500,000 rupees with a network of over 6,500 hospitals. The ICICI Lombard Complete Health Insurance Plan is a complete health insurance policy for individuals and families.
The main features are as follows.
We will cover the existing conditions for 2 years after the coverage starts (available for plans with insurance amount of 30,000 rupees or more)
Policyholders under the age of 45 do not need to pay or have a medical examination. Each year, the Family Floater Plan offers two complementary health check vouchers.
Star Family Health Optima
This policy provides coverage ranging from 1 to 25 rupees for network hospitals over 12,000 rupees. This policy protects the entire family on a family floater basis with low premiums.
Main features of the plan
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If the policyholder is involved in an accident, the insured’s money will be immediately increased by 25% (up to Rs 50,000) (subject to add-ons).
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If the policyholder fails to renew the coverage, there is a 120-day grace period.
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Covers hospital charges such as room charges, medicines, and medicines. In addition, 10% of the cost of ambulances and ambulances is secured.
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Covers 60 days pre-hospital and 90 days post-hospital costs. The cost of organ transplantation is up to 10,000 rupees.
First Edition Issued: July 9, 2022, 05:04 IST
