Finding the Best Health Insurance plan in India becomes confusing as there are a lot of health insurance plans from so many health insurance companies. Top health insurance plans cover all your major healthcare treatment costs. While choosing the best health insurance plan, you must look into these factors such as the sum insured option, affordability, add-on features, additional riders, claim settlement ratio of the insurer, etc.
What are Health Insurance Plans?
A health insurance plan is a contract between the customer and the health insurance company in which the insurer pays the cost of medical treatment of the insured as per the terms and conditions in the policy documents. Mostly, health insurance companies have tie-ups with hospitals (Network Hospitals) where policy holders can avail cashless treatment.
In other words, Health insurance plans either reimburse or pay a pre-determined sum insured to policyholders for medical expenses incurred due to injuries or diseases.
Best Health Insurance Plans in India 2024
There are a variety of health insurance plans in India offered by various health insurance companies, But finding the best health insurance plan is a tedious task. RenewBuy is making it easier for you as we have compiled the list of Best Health Insurance plans in India along with its key features in the table below:
Individual Health Insurance Plans
An individual health insurance plan is a health plan that provides financial protection to a single insured person against the financial burden of medical expenses and hospitalization costs. You can get an individual health insurance plan for your aged parents, spouse, children, or even yourself.
Individual Health Insurance Plans | Health Insurance Companies | Coverage Benefits | Network Hospitals |
---|---|---|---|
ManipalCigna LifeTime Health Plan | ManipalCigna Health Insurance |
|
6500+ |
HDFC Optima Restore Plan | HDFC Ergo Health Insurance |
|
13000+ |
Care Plan | Care Health Insurance |
|
16500+ |
Care Advantage | Care Health Insurance |
|
16500+ |
Niva Bupa Health Reassure | Niva Bupa Health Insurance |
|
7600+ |
*Disclaimer: RenewBuy do not endorse any specific insurance company or insurance product offered by any insurer and this list is just an illustration of the plan offered by different health insurance companies.
ManipalCigna LifeTime Health Insurance offered by ManipalCigna Health Insurance is a health plan that prioritizes your healthcare needs and looks after them. ManipalCigna Lifetime Health Plan offers various types of comprehensive benefits for domestic and international medical costs. ManipalCigna Lifetime Health plan offers high-sum insured options ranging from INR 50 Lakh to INR 3 Crore that you can choose per your requirements. ManipalCigna LIfetime Health comes in two types, i.e. individual and family floater health insurance. ManipalCigna Lifetime Health plan offers 2 variants: LifeTime Health India Plan & LifeTime Global Plan.
Specification of ManipalCigna Lifetime Health Plan
Entry Age: For Adults: max. 65 years, For Children: 91 days to 25 years
Plan Type: Individual and Family Floater
Available Sum Insured Amount: 50 L | 75 L | 1Cr | 1.5 Cr | 2 Cr | 3 Cr
Policy Term: 1, 2, 3 Years
Coverage Benefits Offered By ManipalCigna Lifetime Health Plan
Below are the coverage benefits of the ManipalCigna Lifetime Health Plan:
- Room Rent
- ICU Charges
- Pre and Post-Hospitalization
- Domiciliary Hospitalization
- Daycare Treatment
ManipalCigna Lifetime Health Insurance Plan Exclusion
Below are the common exclusion of the ManipalCigna Lifetime Health Insurance plan:
- Hospitalization due to war, riot, strike, and nuclear weapons
- Self-injury
- Miscarriage
- Abortion
- AIDS
- Congenital disease
- Infertility and in vitro fertilization
ERGO Optima Restore Plan is one of the best selling plans from HDFC ERGO Health Insurance . It has two variants, Optima Restore Individual and Optima Restore Family, which offer comprehensive health coverage for you and your family. HDFC ERGO Optima Restore Health Insurance offers two unique benefits, i.e. Restore Benefit and 2X Multiplier Benefit.
Specification of HDFC Ergo Optima Restore Health Plan
Entry Age: Min: Adult: 91 Days Child: 91 Days, Max: Adult: 65 Years Child: 5 Years
Plan Type: Individual and Family Floater
Available Sum Insured Amount: 3 | 5 | 10 | 15 | 20 | 25 | 50 Lakhs
Policy Term: 1, 2 Years
Coverage Benefits Offered By HDFC Ergo Optima Restore Health Plan
Below are the coverage benefits of the HDFC Ergo Optima Restore Health Plan:
- Covid-19 Treatment
- Hospital Daily Cash
- Pre and Post-Hospitalization
- Domiciliary Hospitalization
- All Daycare Treatment
HDFC Ergo Optima Restore Health Insurance Plan Exclusion
Below are the permanent exclusion of the HDFC Ergo Optima Restore Health Insurance:
- Cosmetic or Plastic Surgery
- Treatment of obesity
- Hospitalization due to alcohol, and drug abuse
- Injuries resulting from a suicide attempt
- Treatment of infertility, birth control, vicarious pregnancy
- Medical cost related to circumcision
- Non-allopathy treatment
- Hospitalization due to War and radiation of any kind
- Treatment-related to Venereal or sexually transmitted diseases
- External congenital diseases
Care plan from Care Health Insurance is a comprehensive health insurance plan for both individuals and families. It is the perfect health policy for people who want to protect their present and future from unexpected medical emergencies by choosing a higher sum insured amount.
Specification of Care Health Plan
Entry Age: Min: Individual: 5 Years, Floater: 91 days + 1 Adult insured, Max: No age Limit
Plan Type: Individual and Family Floater
Available Sum Insured: Care Plan: 3 Lakhs to 75 lakhs, Care Plan (Global): 1 Crore - 6 Crores
Policy Term: 1, 2, 3 Years
Coverage Benefits Offered By Care Health Plan
Below are the coverage benefits of the Care Health Plan:
- Covid-19 Treatment
- ICU Charges
- Pre and Post-Hospitalization
- Domiciliary Hospitalization
- Daycare Treatment
Care Health Insurance Plan Exclusion
Below are the permanent exclusion of the Care Health plan:
- War-related injuries
- Cosmetic Surgery
- Plastic Surgery
- Injuries resulting from adventurous sports
- Injuries resulting from a suicide attempt
- Hospitalization due to alcohol, and drug abuse
- Tests and treatments related to IVF
Care Advantage plan from Care Health Insurance is an ideal health plan for those who want a high sum insured for their family. Care Advantage health insurance offers various benefits like pre and post-hospitalization expenses, organ donation coverage, no-claim bonus, emergency ambulance coverage, 540+ day care treatment etc.
Specification of Care Advantage Health Plan
Entry Age: Min: Adult: 5 Years Child: 91 Days, Max: Adult: No limit Child: 24 Years
Plan Type: Individual and Family Floater
Available Sum Insured: 25 L | 50 L | 1 Cr
Policy Term: 1, 2, 3 Years
Initial Waiting Period: 30 Days
Coverage Benefits Offered By Care Advantage Health Plan
Below are the coverage benefits of the Care Advantage Health Plan:
- Room Rent Cover
- ICU Charges
- Pre and Post-Hospitalization
- Automatic Restoration
- Organ Donor
Care Advantage Health Insurance Plan Exclusion
Below are the permanent exclusion of the Care Advantage Health plan:
- Hospitalization out of war, riot, strike, and nuclear weapons
- AIDS
- Intentional self-injury
- Miscarriage, and abortion
- Congenital disease
- Treatment related to IVF
Niva Bupa Health Reassure plan covers up to INR 1 crore and is designed to keep you and your family safe during medical emergencies. It offers a wide range of healthcare benefits such as in-patient hospitalization, home hospitalization, etc., along with some unique features such as live healthy benefits, add-on riders, lifetime renewability booster benefits, etc.
Specification of Niva Bupa Health Reassure Plan
Entry Age: 18 Years
Plan Type: Individual and Family Floater
Available Sum Insured: 3L | 4L | 5L | 7.5L | 10L | 12.5L |15L | 20L | 25L | 50L | 75L | 1 Cr
Policy Term: 1, 2, 3 Years
Initial Waiting Period: 30 Days
Coverage Benefits Offered By Niva Bupa Health Reassure Plan
Below are the coverage benefits of theNiva Bupa Health Reassure Plan:
- Room Rent Cover
- ICU Charges
- Pre and Post-Hospitalization
- Automatic Restoration
- All Daycare Treatment
Niva Bupa Health Reassure Plan Exclusion
Below are the permanent exclusion of the Niva Bupa Health Reassure Plan:
- OPD treatments
- Sleep disorders
- Adventurous or Hazardous Sports
- Treatments related to Hormone replacement, cosmetic and plastic surgery.
- Alcohol/drug or substance abuse
- Sex change treatment
- Self-inflicted injuries or attempted suicide
- Sexually Transmitted Diseases such as HIV
- Dental/oral treatments
Family Health Insurance Plans
Family health insurance plan is a health insurance plan that provides coverage to the entire family in a single health insurance plan. A family health plan covers each family member for a single premium amount. This means that you do not need to pay a separate premium for each person, irrespective of age.
Family Floater Health Plans | Health Insurance Companies | Coverage Benefits | Network Hospitals |
---|---|---|---|
ICICI Health Shield |
ICICI Lombard Health Insurance |
|
6500+ |
HDFC Optima Secure Plan |
HDFC Ergo Health Insurance |
|
13000+ |
Care Plan |
Care Health Insurance |
|
16500+ |
Care Advantage |
Care Health Insurance |
|
16500+ |
ManipalCigna ProHealth Prime |
ManipalCigna Health Insurance |
|
6500+ |
*Disclaimer: RenewBuy do not endorse any specific insurance company or insurance product offered by any insurer and this list is just an illustration of the plan offered by different health insurance companies.
ICICI Lombard Health Shield Plan is one of the variants of ICICI Lombard Complete Health Insurance. It is a comprehensive health insurance plan designed to meet every healthcare need of an individual and their family. The health shield plan by ICICI Lombard Health Insurance meets the healthcare needs of its customers by offering free health check-up coupons.
Specification of ICICI Lombard Health Shield Plan
Entry Age: For Adults: 18 years, For Children: < 3 months in Family Floater, < 6 years in Individual plan
Plan Type: Individual and Family Floater
Available Sum Insured: 2 | 3 | 4 | 5 | 7 | 10 | 15 | 20 | 25 | 30 |50 L
Policy Term: 1, 2 Years
Initial Waiting Period: 30 Days
Coverage Benefits Offered By ICICI Lombard Health Shield Plan
Below are the coverage benefits of theICICI Lombard Health Shield Plan:
- Room Rent Cover
- Daily Hospital Cash
- Pre and Post-Hospitalization
- Cataract Treatment
- Daycare Treatment
ICICI Lombard Health Shield Plan Exclusion
Below are the permanent exclusion of the ICICI Lombard Health Shield Plan:
- Cosmetic surgery
- Suicidal death
- Any kind of loss or damage due to war or war-like situations
- Natural wear and tear of the property of the policyholder
- Any injury occurred due to alcohol abuse or substance
- Any claims occurred within the 15 days of the policy commencement
HDFC ERGO Health Insurance introduces a new health plan, namely HDFC ERGO Optima Secure Health Plan. HDFC ERGO Optima Secure Plan is available as a Family Floater Plan and Individual Plan. The basic cover chosen by you will increase by 50% after one year and be 100% after two years, irrespective of any claims made under the plan.
Specification of HDFC ERGO Optima Secure Health Plan
Entry Age: For Adults: 18 years to 65 years, For Children: 91 days to 25 years
Plan Type: Individual and Family Floater
Available Sum Insured: 5L | 10L | 15L | 20L | 25L | 50L | 1Cr | 2Cr
Policy Term: 1, 2, 3 Years
Initial Waiting Period: 30 Days
Coverage Benefits Offered By HDFC ERGO Optima Secure Health Plan
Below are the coverage benefits of theHDFC ERGO Optima Secure Health Plan:
- AYUSH Treatment
- Preventive Health Checkup
- Hospital Daily Cash
- Organ Donor
- Emergency Air Ambulance
HDFC ERGO Optima Secure Health Plan Exclusion
Below are the permanent exclusion of the HDFC ERGO Optima Secure Health Plan:
- Obesity control
- Sterility and infertility
- Alcoholism, drug or substance abuse
- Maternity
- Breach of Law
- Hazardous sports
- Cosmetic surgery
- Unproven treatments
Care plan from Care Health Insurance is a comprehensive health insurance plans for both individual and families. It is the perfect health policy for people who wants to protect their present and future from unexpected medical emergencies by choosing a higher sum insured amount.
Specification of Care Health Plan
Entry Age: Min: Individual: 5 Years, Floater: 91 days + 1 Adult insured, Max: No age Limit
Plan Type: Individual and Family Floater
Available Sum Insured: Care Plan: 3 Lakhs to 75 lakhs, Care Plan (Global): 1 Crore - 6 Crores
Policy Term: 1, 2, 3 Years
Coverage Benefits Offered By Care Health Plan
Below are the coverage benefits of theCare Health Plan:
- Covid-19 Treatment
- ICU Charges
- Pre and Post-Hospitalization
- Domiciliary Hospitalization
- Daycare Treatment
Care Health Insurance Plan Exclusion
Below are the permanent exclusion of the Care Health plan:
- War-related injuries
- Cosmetic Surgery
- Plastic Surgery
- Injuries resulting from adventurous sports
- Injuries resulting from a suicide attempt
- Hospitalization due to alcohol, and drug abuse
- Tests and treatments related to IVF
ManipalCigna ProHealth Prime is a comprehensive health plan that protects you and your family at the time of medical emergencies. The plan offers various coverage benefits, such as pre & post-hospitalization, in-patient hospitalization expenses, domiciliary treatment, daycare treatment, ambulance cover, AYUSH cover, etc.
Specification of ManipalCigna ProHealth Prime Plan
Entry Age: For Adults: 18 years to no maximum age, For Children: 91 days to 25 years
Plan Type: Individual and Family Floater
Available Sum Insured: 3 L | 4 L | 5 L | 7.5 L | 10 L | 12.5 L | 15 L | 20 L | 25 L | 30 L | 40 L | 50 L | 1 Cr
Policy Term: 1, 2, 3 Years
Initial Waiting Period: 30 Days
Coverage Benefits Offered By ManipalCigna ProHealth Prime Plan
Below are the coverage benefits of theManipalCigna ProHealth Prime Plan:
- ICU Charges
- Daycare Treatment
- Hospital Daily Cash
- Domiciliary Treatment
- Maternity Treatment
ManipalCigna ProHealth Prime Plan Exclusion
Below are the permanent exclusion of the ManipalCigna ProHealth Prime Plan:
- Hospitalization out of war, riot, strike, and nuclear weapons
- Congenital disease
- Intentional self-injury
- Miscarriage
- Abortion
Senior Citizen Health Insurance
Senior Citizen Health Insurance Plan cover medical costs for people above the age of 60 years. These health plans were explicitly designed to provide financial assistance to senior citizens in the case of medical emergencies. Most of these health insurance policies provide coverage for critical illnesses and pre-existing conditions.
Senior Citizen Health Insurance Plans | Health Insurance | Plan Coverage Benefits | Network Hospitals |
---|---|---|---|
Niva Bupa Senior First Plan |
Niva Bupa Health Insurance |
|
7600+ |
Care Health Senior Plan |
Care Health Insurance |
|
16500+ |
Aditya Birla Activ Care Plan |
Aditya Birla Health Insurance |
|
5700+ |
TATA AIG MediSenior |
TATA AIG Health Insurance |
|
7000+
|
Star Health Senior Citizen Red Carpet |
Star Health Insurance |
|
12000+
|
*Disclaimer: RenewBuy do not endorse any specific insurance company or insurance product offered by any insurer and this list is just an illustration of the plan offered by different health insurance companies.
Niva Bupa Senior First from Niva Bupa Health Insurance is a senior citizen health plan that comes with features that guarantee good health to the policyholders at all times. Niva Bupa Senior First is a cost-effective and rewarding health insurance option. It is a unique health insurance policy that offers an insured sum of up to INR 25 lakh in Gold and Platinum versions.
Specification of Niva Bupa Senior First Plan
Entry Age: 61 to 75 years
Plan Type: Senior Citizen
Available Sum Insured: 5 L | 10 L | 15 L | 20 L | 25 L
Policy Term: 1, 2, 3 Years
Initial Waiting Period: 30 Days
Coverage Benefits Offered By Niva Bupa Senior first Plan
Below are the coverage benefits of theNiva Bupa Senior first Plan:
- Room Rent
- Daycare Treatment
- Organ Donor
- Domiciliary Treatment
- AYUSH Treatment
Niva Bupa Senior first Plan Exclusion
Below are the permanent exclusion of the Niva Bupa Senior first Plan:
- Hospitalization due to war, riot, strike, and nuclear weapons
- AIDS
- Miscarriage
- Abortion
- Congenital disease
- IVF Treatment
- Intentional self-injury
The Care Senior Citizen health plan was designed to provide coverage for people over the age of 60. This gives you the freedom to choose the sum assured that best suits your healthcare needs, especially post retirement, without putting a strain on your finances. Enjoy your second innings to the fullest, knowing that your financial health concerns will be taken care of by the Care Senior Plan.
Specification of Care Senior Health Plan
Entry Age: 61 years to lifelong
Plan Type: Senior Citizen
Available Sum Insured: 3 | 5 | 7 | 10 L
Policy Term: 1, 2, 3 Years
Initial Waiting Period: 30 Days
Coverage Benefits Offered By Care Senior Health Plan
Below are the coverage benefits of theCare Senior Health Plan:
- Room Rent
- ICU Charges
- Hospital Daily Cash
- Domiciliary Treatment
- Organ Donor
Care Senior Health Plan Exclusion
Below are the permanent exclusion of the Care Senior Health Plan:
- Injuries resulting due to suicide attempt
- War-related injuries
- Hospitalization due to alcohol, and drug abuse
- Treatment arise due to pregnancy, childbirth, miscarriage, abortion
- Internal congenital diseases
- Treatments related to infertility and Vitro fertilization
Aditya Birla Activ Care health plan from Aditya Birla Health Insurance is specially designed for elderly people. It offers a wide range of coverage benefits such as in-patient, domiciliary hospitalization, day-care, and home nursing services etc. Aditya Birla Activ Care offers cashless treatment across every network hospital in India.
Specification of Aditya Birla Activ Care Plan
Entry Age: 55 to 80 years
Plan Type: Senior Citizen
Available Sum Insured: 3 | 4 | 5 | 7.5 | 10 | 25L
Policy Term: 1, 2, Years
Initial Waiting Period: 30 Days
Coverage Benefits Offered By Aditya Birla Activ Care Plan
Below are the coverage benefits of theAditya Birla Activ Care Plan:
- Room Rent
- ICU Charges
- Daycare Treatment
- Pre and Post-Hospitalization
- Road Ambulance Cover
Aditya Birla Activ Care Plan Exclusion
Below are the permanent exclusion of the Aditya Birla Activ Care Plan:
- Injuries resulting due to suicide attempt
- War-related injuries
- Hospitalization due to alcohol, and drug abuse
- Treatment arise due to pregnancy, childbirth, miscarriage, abortion
- Internal congenital diseases
- Treatments related to infertility and Vitro fertilization
- Bariatric Surgery
- Treatment taken from outside India
Senior citizens should be able to lead a happy and healthy life in their later years. Tata AIG offers MediSenior - Senior Citizen Health Insurance plan keeping in mind their need for dignity and independence. It provides medical coverage for medical care at every hospital in India. Anyone who is at least 61 years old and wants to cover both himself and his spouse can buy this health insurance plan.
Specification of TATA AIG MediSenior Plan
Entry Age: 61 to No maximum Limit
Plan Type: Senior Citizen
Available Sum Insured: 2 | 3 | 5L
Policy Term: 1, 2, 3 Years
Initial Waiting Period: 30 Days
Coverage Benefits Offered By TATA AIG MediSenior Plan
Below are the coverage benefits of theTATA AIG MediSenior Plan:
- Domiciliary Treatment
- Organ Donor
- Emergency Ambulance
- Pre and Post-Hospitalization
- Daycare Treatments
TATA AIG MediSenior Plan Exclusion
Below are the permanent exclusion of the TATA AIG MediSenior Plan:
- Injuries resulting due to suicide attempt
- War-related injuries
- Hospitalization due to alcohol, and drug abuse
- Treatment arise due to pregnancy, childbirth, miscarriage, abortion
- Internal congenital diseases
- Treatments related to infertility and Vitro fertilization
- Maternity Treatments
- Expense related to HIV
- Expense related to AIDS
The Star Senior Citizens Red Carpet Health Insurance from Star Health Insurance is made to meet the healthcare needs of those over 60. The plan offers various coverage benefits such as in-patient hospitalization, daycare treatments, etc. The Star Health Insurance for Senior Citizens comes with a lifetime renewability option to help you with medical bills for the rest of your life. It is available on an individual and family floater basis.
Specification of Star Health Senior Citizen Red Carpet Plan
Entry Age: 61 to No maximum Limit
Plan Type: Senior Citizen
Available Sum Insured: Individuals: 1 | 2 | 3 | 4 | 5 | 7.5 | 10 | 15 | 20 | 25 L, Family Floater: 10 | 15 | 20 | 25 L
Policy Term: 1, 2, 3 Years
Initial Waiting Period: 30 Days
Coverage Benefits Offered By Star Health Senior Citizen Red Carpet Plan
Below are the coverage benefits of theStar Health Senior Citizen Red Carpet Plan:
- Covid-19 Treatment
- Cataract Treatment
- ICU Charges
- Pre and Post-Hospitalization
- All Daycare Treatments
Star Health Senior Citizen Red Carpet Plan Exclusion
Below are the permanent exclusion of the Star Health Senior Citizen Red Carpet Plan:
- Hospitalization out of war, riot, strike, and nuclear weapons
- Intentional self-injury
- Treatment related to AIDS
- Cosmetic & aesthetic treatment
- Mental illness
- Congenital disease
- Dental surgery
- Unproven treatments
Critical Illness Health Insurance
Critical illness health insurance provides coverage for medical emergencies like cancer, heart attack, stroke, etc. These policies pay the lump sum cover amount to the policyholder in case the policyholder suffers from any critical illnesses.
Critical Illness Health Insurance Plans | Health Insurance Company | Plan Coverage Benefits | Eligibility Criteria |
---|---|---|---|
Niva Bupa CritiCare Plan |
Niva Bupa Health Insurance |
|
7600+ |
Care Critical Illness Plan |
Care Health Insurance |
|
16500+ |
Star Criticare Plus Plan |
Star Health Insurance |
|
12000+ |
ManipalCigna Lifestyle Protection Critical Care |
ManipalCigna Health Insurance |
|
6500+ |
HDFC Ergo Critical Illness Platinum Plan |
HDFC Ergo Health Insurance |
|
13000+
|
*Disclaimer: RenewBuy do not endorse any specific insurance company or insurance product offered by any insurer and this list is just an illustration of the plan offered by different health insurance companies.
Critical illness can compromise both the quality of life and financial stability of a family. Niva Bupa has launched a critical illness plan called Niva Bupa Criticare Plan to safeguard your finances in such situations. The Niva Bupa Criticare Policy was created exclusively for those who have been identified as having one of the 20 covered critical illnesses. It enables them to safeguard their savings from being wiped out while undergoing expensive medical procedures.
Specification of Niva Bupa CritiCare Plan
Entry Age: 18 to 65 Years
Plan Type: Critical Illness Health Plan
Available Sum Insured: 3/5/7.5/10/15/20/25/30/35/40/45/50/60/75/100/125/150/175/200/225/250/275/300 lacs
Policy Term: 1, 2, 3 Years
Coverage Benefits Offered By Niva Bupa CritiCare Plan
Below are the coverage benefits of theNiva Bupa CritiCare Plan:
- Tax Benefits
- Free-Look Period
- 20 Critical Illnesses Covered
Niva Bupa CritiCare Plan Exclusion
Below are the permanent exclusion of the Niva Bupa CritiCare Plan:
- Hospitalization out of war, riot, strike, and nuclear weapons
- Intentional self-injury
- Treatment related to AIDS
- Cosmetic & aesthetic treatment
- Mental illness
- Congenital disease
- Dental surgery
- Unproven treatments
Care Critical Mediclaim Plan from Care Health Insurance is an affordable health insurance plan primarily designed to cover critical illnesses such as heart conditions, kidney problems, cancer, major organ surgeries, stroke, paralysis, etc. This particular plan provides the much needed financial relief when diagnosed with critical 32 diseases which are classified as critical. The plan provides stability and a lifetime commitment to your health while providing an comprehensive medical solution.
Specifications of Care Critical Illness Plan
Entry Age: 5 to 50 Years
Plan Type: Critical Illness Health Plan
Available Sum Insured: 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
Policy Term: 1, 2, 3 Years
Coverage Benefits Offered By Care Critical Illness Plan
Below are the coverage benefits of theCare Critical Illness Plan:
- Dialysis Cover
- Annual Health Checkup
- Daycare Treatment
Care Critical Illness Plan Exclusion
Below are the permanent exclusion of the Care Critical Illness Plan:
- Sexually transmitted diseases
- Expenses related to dental treatment
- Expenses related to ear and eye examinations
- Treatment expenses for change of sex or gender
- Non-allopathic treatment
Star Criticare Plus plan from Star Health Insurance promises to reimburse hospitalization arising due to disease, ailment and/or unintentional injuries. Additionally, it offers a lump sum payout on diagnosing a critical illness. The Star Criticare Plus plan covers 9 critical illnesses without anywaiting period. The sum insured under this policy covers each individual member. Any person living in India who is between the ages of 18 to 65 years can buy this plan.
Specifications of Star Criticare Plus Health Plan
Entry Age: 5 to 50 Years
Plan Type: Critical Illness Health Plan
Available Sum Insured: 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
Policy Term: 1, 2, 3 Years
Coverage Benefits Offered By Star Criticare Plus Health Plan
Below are the coverage benefits of theStar Criticare Plus Health Plan:
- AYUSH Treatment
- Emergency Ambulance
- Modern Treatments
Star Criticare Plus Health Plan Exclusion
Below are the permanent exclusion of the Star Criticare Plus Health Plan:
- Sexually transmitted diseases
- Expenses related to dental treatment
- Expense related to ear and eye examinations
- Treatment expenses for change of sex or gender
- Non-allopathic treatment
HDFC ERGO Health Insurance launched Plan A plan called HDFC ERGO Critical Illness to help people fight against any critical illness. The Silver and Platinum versions of the HDFC ERGO Critical Illness Plan offer coverage for 15 critical illnesses. Critical illnesses can potentially worsen a person's financial condition, as the cost of treating these diseases is very high. HDFC ERGO Critical Illness Plan will be your best ally in difficult times due to its low premium and comprehensive coverage, which will help you in better financial planning.
Specifications of HDFC Ergo Critical Illness Plan
Entry Age: 5 Years to 65 Years
Plan Type: Critical Illness Health Plan
Available Sum Insured: 1 L | 5 L | 10 L | 15 L | 20 L | 25 L | 30 L | 35 L | 40 L | 45 L | 50 L
Policy Term: 1, 2 Years
Coverage Benefits Offered By HDFC Ergo Critical Illness Plan
Below are the coverage benefits of theHDFC Ergo Critical Illness Plan:
- Organ Donor
- Tax Benefits
- 15 Critical Illnesses Covered
HDFC Ergo Critical Illness Plan Exclusion
Below are the permanent exclusion of the HDFC Ergo Critical Illness Plan:
- Sexually transmitted diseases
- Expenses related to dental treatment
- Expense related to ear and eye examinations
- Treatment expenses for change of sex or gender
- Non-allopathic treatment
- Attempted Suicide
- Self-inflicted Injuries
- Abuse of Tobacco, intoxicants, etc.
ManipalCigna Lifestyle Protection Critical Care Plan is designed to provide coverage for critical illnesses. This critical illness plan protects you against the most unexpected of events and aims to cover all emergency expenses. It pays a lump sum amount on the diagnosis of covered critical illnesses. This plan comes in two variants, i.e., the basic plan and the enhanced plan. 15 critical illnesses are covered in the basic plan, while 30 are covered under the enhanced plan.
Specifications of ManipalCigna Lifestyle Protection Critical Care Health Plan
Entry Age: 18 Years to 65 Years
Plan Type: Critical Illness Health Plan
Available Sum Insured: 1 L to 25 Cr
Policy Term: 1, 2, 3 Years
Coverage Benefits Offered By ManipalCigna Lifestyle Protection Critical Care Health Plan
Below are the coverage benefits of theManipalCigna Lifestyle Protection Critical Care Health Plan:
- Tax Benefits
- 15 Critical Illnesses Covered in base plan
- 30 Critical Illnesses Covered in enhanced plan
ManipalCigna Lifestyle Protection Critical Care Health Plan Exclusion
Below are the permanent exclusion of the ManipalCigna Lifestyle Protection Critical Care Health Plan:
- Sexually transmitted diseases
- Mental illness
- Psychiatric
- Psychological disorders
- Treatment expenses for change of sex or gender
- Non-allopathic treatment
- Attempted Suicide
- Self-inflicted Injuries
- Abuse of Tobacco, intoxicants, etc.
Benefits of Best Health Insurance Plans
There are many benefits of having the best Health Insurance plan in India. Some of them are below:
Cashless treatment
Cashless treatment is available at the network hospitals of the insurance company. You can get immediate medical treatment without paying even a single penny.
Wide Coverage
Get coverage against medical expenses such as pre and post-hospitalization, maternity, daycare treatments, etc.
Free Medical Checkups
Get free medical checkups annually as an additional benefit to check your health conditions and it reduces the risk of falling ill.
Tax Benefits
You can save your tax under section 80D on paid policy premiums up to INR 25K. The deduction limit for senior citizens is INR 50K.
Add-on Riders
You can enhance your existing coverage with the help of these additional riders offered under your health insurance plan by paying some extra premium.
Why Buy the Best Health Insurance Plan?
Nowadays, inflation is very high and healthcare treatments are very expensive. It becomes crucial to buy the best health insurance plan to save the future of your loved ones or to reduce the burden of medical expenses in case of a medical emergency. And, when it comes to buying a health insurance plan for you and your family, you might get confused because of the many options in the market.
RenewBuy has a team of experienced insurance advisors who can help you select the best health insurance plan to meet your healthcare needs. A health insurance plan will cover your medical bills, daycare treatment, treatment costs arising from coronavirus, etc. You can also compare and buy a health insurance plan on your own by visiting the official website of RenewBuy.
* The Point of Sales Person (POSP) is appointed by D2C Insurance Broking Private Limited as per the Guidelines on Point of Sales Person issued by the IRDAI and amended from time to time.
Comparison of Top Health Insurance Companies
There are a total of 28 health insurance companies available in India. However, finding the best health insurance company can be a tedious task to do. So, we have listed the top health insurance companies in India along with their number of network hospitals and claim settlement ratio.
S.No | Health Insurance Company | Claim Settlement Ratio (2020-21) | Network Hospitals |
---|---|---|---|
1. |
97.20 |
7,000+ |
|
2. |
Aditya Birla Health Insurance Co. Ltd |
99.41 |
10,051 |
3. |
Bajaj Allianz General Insurance Co. Ltd |
96.59 |
8,000+ |
4. |
Care Health Insurance Ltd. |
100 |
19,000+ |
5. |
Cholamandalam MS General Insurance Co. Ltd. |
93.23 |
10,000 |
6. |
96.09 |
10,500+ |
|
7. |
Edelweiss General Insurance Co. Ltd. |
97.26 |
3281+ |
8. |
Future Generali India Insurance Co. Ltd. |
96.01 |
6,000+ |
9. |
HDFC ERGO General Insurance Co. Ltd. |
98.49 |
13,000+ |
10. |
ICICI Lombard General Insurance Co. Ltd. |
97.07 |
6,700+ |
11. |
IFFCO Tokio General Insurance Co. Ltd. |
89.38 |
7,500+ |
12. |
Kotak Mahindra General Insurance Co. Ltd. |
96.90 |
4,000+ |
13. |
Liberty General Insurance Ltd. |
97.30 |
5,000+ |
14. |
Magma HDI General Insurance Co. Ltd. |
92.34 |
7,200+ |
15. |
ManipalCigna Health Insurance Co. Ltd. |
99.90 |
7,600+ |
16. |
Niva Bupa Insurance Company |
99.99 |
8,600+ |
17. |
National Insurance Co. Ltd. |
86.28 |
6,000+ |
18. |
Navi General Insurance Ltd. |
99.99 |
10,000+ |
19. |
The New India Assurance Co. Ltd. |
92.93 |
1,500+ |
20. |
The Oriental Insurance Co. Ltd. |
90.18 |
2,500+ |
21. |
Raheja QBE General Insurance Co. Ltd. |
93.30 |
5,000+ |
22. |
Royal Sundaram General Insurance Co. Ltd. |
95.95 |
11,800+ |
23. |
Reliance General Insurance Co. Ltd. |
98.65 |
8,600+ |
24. |
95.04 |
20,000+ |
|
25. |
Star Health and Allied Insurance Co. Ltd. |
99.06 |
12,000+ |
26. |
93.55 |
7,200+ |
|
27. |
Universal Sompo General Insurance Co. Ltd. |
95.77 |
4,000+ |
28. |
United India Insurance Co. Ltd. |
97.25 |
2,500+ |
How to Choose The Best Health Insurance Plan?
Various health insurance policies are available in the market, and each policy has unique coverage features and benefits. Before buying any health insurance plan, you check the inclusion and exclusion of the plan, or you can contact our customer care representative, who will assist you in getting the best health insurance plan as per your requirements. Following are the factors that you need to check before buying a health insurance plan:
Adequate Sum Amount
As we know, healthcare expenses are skyrocketing due to high inflation in the country. You need an adequate sum insured to deal with this rising cost. Hence, always choose a plan that offers the maximum sum insured so that you are always prepared to deal with medical emergencies.
Right Coverage
It is important to buy a health plan that comes under your budget. And, if you cannot buy health insurance with a high premium, tell your insurer to apply the co-pay clause to your plan. Later, the plan can be updated as your income increases and your family's size and needs change.
Waiting Period
Always buy a plan that provides coverage for pre-existing diseases with a shorter waiting period, as the waiting period is shorter, the sooner you will get coverage for your existing diseases.
Extensive Hospital Coverage
Choosing an insurance company with a wide range of network hospitals on its list is always preferable. Always check if the hospitals of policyholder choice are on the list or not. Network hospitals help policyholders avail of cashless treatment in case of emergency or planned treatment.
Claim Settlement Ratio
Always buy a health insurance plan from an insurance company with a high claim settlement ratio. The claim settlement ratio is the number of claims settled by the insurance company over the total number of claims received in a year.
Compare Health Plans
Comparison of various health insurance plans based on their coverage benefits and the premium amount is one of the best ways to choose the best health insurance plan. The comparison enables you to identify the plan that offers the best coverage benefits within the budget.
Sub-limits and co-payments
Always go for a health plan with no sub-limits or co-pay clauses, as both clauses limit your coverage. Co-pay is a part of the claim amount you agree to pay on claim settlement. A sub-limit in a health insurance plan is a situation in which the insurer has to bear the expenses related to the medical condition up to a certain limit.
Lifetime Renewability Benefit
Make sure you get a health insurance plan with a lifetime renewability option. This is important because you will need health insurance as you get older. Unfortunately, purchasing health insurance in your later years is challenging and expensive. If your current plan has lifetime renewability, you can also keep it in your old age.
Why Buy Health Insurance From RenewBuy?
RenewBuy brings to you the best deals in Health Insurance plans across the market. The key reasons for you to consider us are as follows:
- IRDAI Certified
- Get Insured from leading Insurer
- Compare Various Health Plans in Just a few Clicks
- Simple & Easy Buying Process
- 24x7 Claim Assistance
Documents Required To Buy Health Insurance Plans
Below are the documents required to buy health insurance plans:
- Age Proof
- Identity Proof
- Address Proof
- Income Proof
- Passport Size Photograph
- Medical Reports
Buy Best Health Insurance Plan in India
Buy the best health insurance plan in India by visiting the official website of RenewBuy, as it offers a quick, smooth, and safe buying process. Below are the steps to buying the best health insurance plan in India.
- Visit the official website of RenewBuy.
- Click on the “Health Insurance” tab.
- Fill out the form that shows on the next page.
- Compare health plans and select your desired plan.
- Click on the “Buy Now” button
- A pop-up will show you the plan details and the additional riders information.
- Click on the “Proceed to Buy” button.
- Make online payment and the policy documents will be sent to your registered email address.
FAQ’s
Health Insurance does not offer coverage for every medical expense. Some of the common exclusions under health insurance are
- self-inflicted injuries including suicide
- Injuries due to participation in any adventurous sport
- venereal or sexually transmitted disease
- Cosmetic treatment
- Treatments related to hearing, dental, and vision
- treatment of obesity
Yes, standard health insurance plans offer coverage for medical expenses related to the treatment of COVID-19 disease. COVID-19 treatment will be covered by your health insurance policy for both in-patient and out-patient charges. You can also buy coronavirus-specific health insurance such as Corona Kavach and Corona Rakshak Policies.
You can check the policy document or brochure for the eligibility criteria. Also, You can ask all of these questions directly to your agent or insurance company.
Yes, you can purchase multiple health insurance policies. If the cost of your treatment exceeds the amount covered by one policy, you can use the second policy to cover the balance.
Below are some of the tips to choose the best health insurance company in India:
- Always choose the health insurance company that has a high claim settlement ratio.
- Check the solvency ratio of the company.
- Check the claim process of the company.
- The company must offer various health plans.
- Check the list of network hospitals offered by the health insurance company.
You need to keep a few things in mind while choosing the best health insurance plans in India:
- Assess your budget
- Compare different health plans
- Compare different health insurance companies
- Evaluate your health needs
- Check the sum insured amount you need
- Read the health policy term and conditions
In India, it is important to buy health insurance for you and your family as lifestyle diseases are on the rise and medical costs are rising, especially in private hospitals. Therefore, it can cost you a lot if you do not have enough health insurance plans.
All health insurance companies offer the best cashless health insurance plans. If you are unsure, you can ask your insurer which network hospitals provide the option of cashless hospitalization. In India, all health insurance plans offer the best cashless hospitalization facilities. The health insurance companies offer cashless health insurance plans for individuals, families, senior citizens, etc.
Below are the types of health insurance plans available in India:
- Individual Health Insurance
- Senior Citizen Health Insurance
- Family Health Insurance
- Critical Illness Health Insurance
- Group Health Insurance
Below are the documents required to buy health insurance plans in India:
- Age Proof
- Address Proof
- Identity Proof
- Photographs
Some of the common coverage benefits offered under the best health insurance plan are:
- In-patient Hospitalization
- OPD Cover
- Coverage for Daycare Treatment
- Domiciliary Hospitalization
- Cataract Treatment
- Ambulance Cover
Yes, you can buy any health insurance policy from any health insurance company online and offline.
Health insurance plans provide health coverage to the insured and their family members in case of medical emergencies. You should buy a health insurance plan to avoid the financial burden in case of a medical emergency.
Below are the factors that can affect your health insurance premium amount:
- Age
- Lifestyle Habits
- Type of Health Insurance
- Number of covered members
- Number of add-on riders chosen
Below are some of the best government health insurance plans in India:
- Ayushman Bharat Yojana
- CMCHIS or Chief Minister Comprehensive Health Insurance Scheme
- ABMGRSBY or Ayushman Bharat Mahatma Gandhi Rajasthan Swasthya Bima Yojana
- Dr YSR Aarogyasri Health Insurance Scheme
Disclaimer: The information published in this article is for reader′s reference only. Content of this information is to provide an overview of your health insurance needs and should not be relied upon for personal, medical, legal or financial decisions and you should consult an appropriate professional for specific advice The makes no representations about the suitability, reliability, timeliness, and accuracy of the information, services, or any other items on this subject for any purpose whatsoever.