With the combined effects of inflation, rising healthcare costs, and increasing number of illnesses and diseases, having a health insurance policy is the only way to save one’s hard-earned money in the event of a medical emergency or unplanned hospitalisation. Health insurance plans offer policyholders a comprehensive cover against the expenses that one might have to incur when seeking treatment at a hospital. Thus, it is recommended that you purchase a health insurance policy at the earliest to avoid having to shell out precious money in the event of an unfortunate eventuality. And in order to help you find the perfect health insurance policy that exactly matches your needs, we have compiled a list of top 10 health insurance plans that are available in the country.
|Insurer||Plan Name||Entry Age||Maximum Sum Insured||Policy Tenure|
|Apollo Munich Health Insurance||Easy Health Plan||5 years – 65 years||
||1 or 2 years|
|ICICI Lombard||ICICI Lombard Complete Health Insurance Plan||
||Varies based on the plan variant Up to a maximum of Rs.50 lakh||1 or 2 years|
|Care Health Insurance||Care Health Care Plan||91 days||Up to Rs.6 crore||1, 2, or 3 years|
|Bajaj Allianz||Bajaj Allianz Health Guard||
||Up to a maximum of Rs.50 lakh||1, 2, or 3 years|
|Star Health||Senior Citizen Red Carpet Health Insurance Policy||60 – 75 years||Up to Rs.10 lakh||1 year|
|Max Bupa Health Insurance||Heartbeat Family First Health Insurance Plan||As per policy brochure||
||1 or 2 years|
|Bharti AXA General Insurance||Smart Health Insurance Policy||Up to 65 years||Up to Rs.5 lakh||As per policy brochure|
|Apollo Munich Health Insurance||Optima Restore Individual Plan||5 years – 65 years||Up to Rs.50 lakh||1 or 2 years|
|Oriental Insurance||Happy Family Floater Policy||Up to 65 years||Up to Rs.20 lakh||1 year|
|New India Assurance||Janata Mediclaim Policy||
||Up to Rs.75,000||As per policy brochure|
The Easy Health Plan from Apollo Munich comes in 3 variants – Standard, Exclusive, and Premium. This plan offers you a comprehensive cover against unplanned medical expenses. The insurer offers this plan on an individual sum insured basis.
The Complete Health Insurance Plan from ICICI Lombard comes in 5 variants – Health Protect, Health Protect Plus, Health Smart, Health Smart Plus, and I Health. Each plan variant offers different features and benefits, thus enabling the policy buyer to opt for a plan that matches his/her exact needs.
The Health Care Plan from Care Health Insurance provides the policyholder and his/her family a comprehensive risk cover against financial troubles that may arise due to a medical emergency. The insurer offers 5 plan variants of the Care Health Care Plan.
The Bajaj Allianz Health Guard Plan offers policyholders coverage against hospitalisation expenses, ambulance charges, treatment charges, consultations, and pre- and post-hospitalisation expenses.
The Senior Citizen Red Carpet Health Insurance Policy offered by Star Health is a policy that is exclusively catered to senior citizens, between the ages of 60 and 75 years. This plan is offered on an individual sum insured basis and offers a cover against hospitalisation expenses, which includes room rent charges, cost of medicines, specialist fees, etc.
The Heartbeat Family First Health Insurance Plan offers a comprehensive health cover for up to a total of 19 family members. The policy is offered on an individual sum insured basis for every enrolled member and also on a floater basis, which will be accessible by every member. The policy comes in three variants – Silver, Gold, and Platinum.
The Smart Health Insurance Policy from Bharti AXA offers policyholders a cover against hospitalisation expenses, day-care treatments, AYUSH treatments, pre- and post-hospitalisation expenses, domiciliary expenses, etc., up to the limits specified in the policy.
The Optima Restore Individual Plan from Apollo Munich is a health insurance policy that in addition to providing a comprehensive health cover also provides a ‘Restore benefit’, by which the policyholder’s sum insured amount will be automatically restored if it is exhausted within a given policy year. This policy can be taken on an individual sum insured basis, but the coverage can be extended to one’s family members.
The Happy Family Floater Policy from Oriental Insurance can be purchased to provide a health insurance cover on a single sum insured basis to one’s family, including one’s spouse, dependent children, parents, and parents-in-law. The plan comes in 3 variants – Silver, Gold, and Diamond.
The Janata Mediclaim Policy from New India Assurance is a health insurance cover that provides protection at an affordable rate. The policy covers hospitalisation expenses, pre- and post-hospitalisation expenses, day-care treatments, ambulance charges, and Ayurvedic/Homeopathic/Unani treatments.
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