Best Health Insurance Plans in India 2022

The best health insurance policies will not only take care of your health but also your finances. The best health insurance in India will offer you adequate coverage against all expensive healthcare treatments. Though the market is crammed with many health insurance policies, it would be an arduous job for you to choose the best health insurance policy. The best Mediclaim policy will offer coverage for in-patient expenses, pre-and post-hospitalization, surgeries, daycare treatment costs, and many more. Most health insurance plans in India either offer cashless treatment facilities or reimburse medical costs.

Benefits of Purchasing the Best Medical Insurance in India

Due to medical inflation, most people can’t afford their treatment costs when they are hospitalized. These hospital bills will certainly drain up all your hard-earned savings. The only way that can save you against these exorbitant bills is the best Mediclaim policy in India. Let’s take a look at some of the reasons why you should purchase a health insurance policy.

• Combat Medical Inflation

The costs of healthcare expenses are rising hurriedly. But a healthcare policy will pay your hospital bills, including pre-and post-hospitalization expenses, daycare treatments, etc. today as well as in the future.

• Get the Best Quality of Treatment

Since a healthcare policy is used to take care of all your hospital-related expenses, you can only focus on the treatment method. You can get admitted to the best hospital for your diseases or injuries.

• Fight Against Lifetime Diseases

You may need long-term treatment if you are suffering from cancer, heart attack, liver diseases, etc. A healthcare policy supports all kinds of lifestyle disease treatments.

• Protect Your Savings

The best health policy protects all your savings as the policy reimburses all your treatment expenses. Now, you can enjoy the best treatment without spending a single penny.

• Offers A Plethora Of Coverage

A health insurance policy offers you coverage for hospitalization expenses, pre-and post-hospitalization treatment costs, ICU charges, ambulance costs, daycare treatment costs, pre-existing diseases, AYUSH treatment, medical health check-ups, and many more

• Enjoy Cashless Facilities

These days, all insurance providers are tied-up with hospitals where policyholders can get cashless treatment for their illnesses. These hospitals are called network hospitals where you don’t need to invest anything from your pocket as the insurance company directly settles your bills with the hospitals.

• Tax Benefits

A health insurance policy will also offer you tax benefits along with other facilities. Now, you can enjoy tax benefits for all your paid premiums under section 80D of the Income Tax Act, 1961.

 5 Best Health Insurance Plans in India for 2022

Let’s take a look at some of the best health insurance plans in India

1. Aditya Birla Activ Assured Diamond Plan

Some intriguing features are,

• The minimum sum insured amount is Rs. 2 lakh and the maximum amount is Rs. 2 Crore
• The insurance company is tied up with more than 8000+ network hospitals
• The plan offers you coverage for in-patient hospitalization, pre-and post-hospitalization, domiciliary treatment, 100% ambulance cost, and AYUSH treatment.

2. Bharti AXA Smart Health insurance policy

• The minimum sum insured is Rs. 50,000 and the maximum amount is Rs. 5 lakh
• The plan offers cashless facilities at 6500+ network hospitals
• The plan offers you coverage for in-patient hospitalization, pre-and post-hospitalization, daycare treatment, road ambulance cost, and preventive health check-ups

3. Care Health Insurance Plan

• The minimum sum insured amount is Rs. 3 lakh and the maximum amount is Rs. 75 lakh
• This plan offers you to enjoy cashless treatment facilities at more than 16500 network hospitals
• The plan offers you coverage for in-patient hospitalization, alternative treatment, organ donor coverage, pre-and post-hospitalization, and second opinion

4. Digit Healthcare Plus Policy

• The minimum sum insured amount is Rs. 2 lakh and the maximum amount is Rs. 3 Crore
• This plan offers you to enjoy cashless treatment facilities at more than 6400 network hospitals
• The plan provides you coverage for in-patient hospitalization, daily hospital cash allowance, critical illness cover, psychiatric cover, and complimentary health check-ups.

5. Future Generali Health Total Policy

• The minimum sum insured amount is Rs. 3 lakh and the maximum amount is Rs. 1 Crore
• This plan offers you to enjoy cashless treatment facilities at more than 6000 network hospitals
• The plan provides you coverage for maternity expenses, mental disorder treatments, in-patient hospitalization expenses, road ambulance, and OPD treatments.