Top 10 Best Health Insurance Plans in India 2019

Health insurance is known as one of the most complex insurance product, as it offers many different benefits and comes with various riders. With wide range of health insurance plans available in the market it often becomes confusing for insurance buyers to zero in on the most beneficial plan according to their own requirement.

In order to help our buyers, choose the most beneficial plan, further in this article we have elaborately discussed 10 best health insurance plans in India that you should go for.

10 Best Health Insurance Plans in India 2019

With the skyrocketing price of medical treatment in country, having a health insurance plan has become a necessity more than a choice. However, while purchasing the best health insurance plans it is important to analyse your requirement and make sure to choose the most beneficial plan as per your need and suitability.

Let’s take a look at best health insurance plans in India along with their features and benefits.

Plan Name Entry Age Sum Assured Policy Renewability Features
Star Family Health Optima Minimum-16 days

Maximum- —

Rs.2lakh, Rs.3lakh, Rs.4lakh

Rs.5 lakh

Rs.10 lakh

Rs.15.Lakh

·        Benefit of Auto Recharge

·        Restoration of Insured Amount

·        Road traffic accident cover

·        Mortal remains repatriation

·        Compassionate Travel

Apolllo Munich Optima Restore Minimum- 91 days

Maximum- 65 years

Minimum-Rs.3Lakhs

Maximum-Rs.50 Lakh

Lifelong ·        Restore Benefit

·        E-opinion

·        Multiplier benefit

·        Stay active benefit

·        Add-on cover for critical illness

Cigna TTK Prohealth Plus Minimum-91 days

Maximum- No upper limit

Rs.4.5 lakh, Rs.5.5 lakh, Rs.7.5Lakh

Rs. 10 Lakh

Lifelong ·        Enhances sum assured

·        Health maintenance benefit

·        Restoration benefit

·        Maternity expenses

·        Critical illness expert opinion

Max Bupa Health Companion Individual Minimum=90 days

Maximum= Age no bar

For 1 Variant= Rs. 1lakh, Rs.2 lakh, Rs.3 lakh, Rs.4 lakh, Rs.5 lakh, Rs.10 lakh

For 2 variant= Rs.5lakh, Rs.7 lakh, Rs.10Lakh and Rs.12.5 Lakh

lifelong ·        Refill benefit.

·        Direct claim settlement

·        Vaccination for animal bite

·        Hospital cash benefit

·        Long-term policy benefit.

 

 

Religare NCB Super premium

Minimum-91 days

Maximum- no age bar

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

lifelong ·        Auto recharge of sum assured

·        No claim bonus super.

·        Lifelong renewability.

·        Domestic air ambulance cover.

·        Everyday care benefit.

HDFC Ergo Health Suraksha Gold Regain Rs.3lakh, Rs.4 lakh, Rs.5lakh, Rs.7.5lakh and Rs.10. lakh lifelong ·        Coverage for organ transplant.

·        Sum insured re-loaded.

·        Pre and post-hospitalization charges.

·        Emergency domestic evacuation expenses.

·        Second opinion benefit.

 

Aditya Birla Diamond ·        Any room upgrade.

·        Cancer hospitalization booster.

·        Benefit of sum insured reload.

·        Unlimited sum insured reload.

·        Pre and post-hospitalization coverage.

Royal Sundaram Lifeline Supreme For children

Minimum-90 days

Maximum- 25 years

 

For adult

Minimum-18 years

Maximum- no age limit

Rs.5 lakh, Rs.10. lakh, Rs.15Lakh, Rs.20Lakh and Rs.50 lakh lifelong ·        Second opinion benefit

·        Sum insured re-load.

·        Coverage for organ transplant.

·        Pre and post-hospitalization charges.

·        Emergency domestic evacuation charges.

Star senior citizen red carpet Minimum-60 years

Maximum- 75 years

Rs.7.5lakh-Rs.10lakh Lifetime ·        Medical consultation cover.

·        No medical screening.

·        Coverage against pre-existing illness.

·        Hassle-free claim settlement.

·        Sub-limit.

Universal Sompo Privilege Minimum- 90 days

Maximum- 55 years

For Basic Plan-Rs.2 Lakh

For essential plan- Rs.3 Lakh – Rs.5 Lakh

For Privilege Plan- Rs.6 Lakh- Rs.10 Lakh

lifelong ·        Specialist consultation.

·        No medical screening.

·        Restore benefit.

·        Convalescence benefit.

Here are the details of above best health insurance plans in India.

Star Family Health Optima

This plan offers comprehensive insurance coverage on a family floater basis. The plan offers comprehensive coverage for the whole family under a single plan.

Features & Benefits

Some of the features & benefits offered by Star Family Health Optima plan are:

  • Routine health check-up benefit is offered under the plan in case no claim has been filed within the policy year.
  • In case the sum assured exhausts, the plan offers 100% restoration benefit.
  • The plan provides assisted reproductive treatment cover.
  • The plan provides coverage for new born babies from 16th day onward.
  • Tax benefit on the premium paid can be availed.

Apollo Munich Optima Restore

As one of the best health insurance plan, this plan offers comprehensive health coverage to the policyholder at an affordable premium rate.

Features & Benefits

The features & benefits offered by the plan are:

  • The plan offers long-term coverage up to 2 years.
  • The family floater option of the plan provides coverage for the entire family of the insured.
  • The plan offers pre and post-hospitalization cover.
  • Tax benefit can be availed under section 80D of Income Tax Act.

Cigna TTK Pro-Health Plus

As one of the best health insurance plan in India, Cigna TTK Pre-Health Plus offers complete value for money. The plan provides comprehensive health coverage to the insured at a affordable premium rate.

Features & Benefits

The features & benefits offered by the policy are:

  • The policy comes with benefit of enhances sum insured.
  • Provides coverage against hospitalization expenses.
  • Tax benefit can be availed under section 80D of Income Tax Act.
  • The plan offers the rider benefit of critical illness cover.

Max Bupa Health Companion Individual

This is one of the best health insurance plan for individuals and nuclear families. The plan comes with 3 variants and offers comprehensive health coverage to the insured.

Features & Benefits

The features & benefits offered by the plan are:

  • The plan offers in-patient hospitalization cover.
  • The plan offers reimbursement of pre and post-hospitalization up to 30 days.
  • The tax benefit can be availed under section 80D of Income Tax Act.
  • Free-look period of 15 days is offered by the policy.

Religare NCB Super Premium

As a top health insurance plan in India, this plan offers enhanced sum insured along with a complete insurance coverage.

Features & Benefits

Some of the features & benefits offered by the policy are:

  • The plan offers pre ad post hospitalization cover.
  • The plan offers the benefit of personal accident coverage.
  • The plan offers the benefit of cashless treatment at network hospitals.
  • Tax benefit can be availed under section 80D of Income Tax Act.

HDFC Ergo Health Suraksha Gold Regain

This is inclusive health insurance plan at an affordable premium rate.

Features & Benefits

The features & benefits offered by the plan are:

  • The plan offers cashless treatment in more than 6000 plus network hospitals.
  • Offers tax benefit under section 80D of Income Tax Act.
  • Provides reimbursement for pre and post-hospitalization cover.

Aditya Birla Active Assure Diamond

As one of the best health insurance plan, this plan offers comprehensive coverage at an affordable premium rate.

Features & Benefits

Some features & benefits offered by the plan are:

  • Offers the benefit of pre and post-hospitalization.
  • The plan offers daily cash benefit.
  • Offers tax benefit under section 80D of Income Tax Act.
  • The plan offers cashless treatment at the various network hospitals.

Royal Sundaram Lifeline Supreme

As one of the best health insurance plan, this plan offers comprehensive coverage at an affordable premium rate.

Features & Benefits

Some features & benefits offered by the plan are:

  • Offers the benefit of pre and post-hospitalization.
  • The plan offers daily cash benefit.
  • Offers tax benefit under section 80D of Income Tax Act.
  • The plan offers cashless treatment at the various network hospitals.

Start Senior Citizen Red Carpet

This plan is specifically designed to provide health coverage to the senior citizen. The plan provides comprehensive insurance coverage at an affordable premium rate.

Features & Benefits

The features & benefits offered by the policy are:

  • The plan offers pre ad post hospitalization cover.
  • The plan offers the benefit of lifelong renewal.
  • The plan offers the benefit of cashless treatment at network hospitals.
  • Tax benefit can be availed under section 80D of Income Tax Act.

Universal Sompo Health Insurance

As one of the best health insurance plan, this plan offers comprehensive health coverage to the policyholder at an affordable premium rate.

Features & Benefits

The features & benefits offered by the plan are:

  • The plan comes with 3 variants.
  • The plan offers fast and hassle-free claim process.
  • The plan offers pre and post-hospitalization cover.
  • Tax benefit can be availed under section 80D of Income Tax Act.

Also Read: Best Health Insurance Companies in India 2019

Benefits of Best Health Insurance Plans

Most of the people have this misconception that health insurance plans provides coverage only at the time of hospitalization. However, on contrary to this, along with the benefit of hospitalization cover, there are various other benefits offered by best health insurance plans. Let’s take a look at it:

  • Best health insurance plans offers the benefit of cashless treatment at the network hospitals.
  • Some insurance companies offers the benefit of daily amount for each day of hospitalization.
  • Tax deduction on the premium paid towards the policy can be claim under section 80D of Income Tax Act.
  • Provides coverage against critical illnesses.
  • Some of the best health insurance plans in India, offers the benefit of enhanced diagnosis and preventive check-ups.
  1. Doctors free health consultation.
  2. Free medical check-ups.
  3. Nutritionists consultation.
  4. Provides tie-up with health service.
  5. Lucrative offers on healthcare services.

How to Choose the Best Health Insurance Plans?

It is very important to choose a right health insurance plan in order to meet the insurance needs. With an array of health insurance plan available in the market, choosing the best health insurance plan can often be a complicated task. However, with the help of insurance calculator, one can compare the plans online and zero in on the top health insurance plan. While comparing the plans, the insurance buyers should consider various aspects such as features, coverage, incurred claim ratio, benefits, premium, etc.

Things to Keep in Mind While Purchasing Best Health Insurance Plans in India

Having a health insurance plan is the best way to safeguard yourself from the unexpected medical expenses. However, while purchasing a health insurance plan there are certain things that should be kept in mind. These are:

  • Analyse how much health insurance do you need.
  • What is the sum assured amount offered by the policy.
  • What are the types of illnesses covered under the policy.
  • Go for the plan which has broader network hospitals.
  • Check the incurred claim ratio of the insurance company.
  • Consider purchasing the plan with maximum sum-limits.
  • Consider purchasing plan with minimum waiting period.

Wrapping it Up!

While purchasing an insurance plan, depending on one plan is not enough. Thus, it is important to compare various plans online and choose the most beneficial plan as per one’s own requirement and suitability. You can consider purchasing the above-mentioned health insurance plan, if you want to secure the financial future of you and your loved ones.

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About FinanceGAB

Ajeet Sharma is a financial blogger and I am blogging since 2017. Financegab is a personal blog dedicated to personal finance. The main aim of this blog to help people to make well-informed financial decisions.
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