List of 10 Best Health Insurance Policies You Must Buy in 2021
Health Insurance is required these days to deal with several unexpected health issues. With COVID-19 being at the top of the list, a health insurance policy is needed to manage the rising health care costs. When you have a health insurance plan, you do not have to worry about the expenses you would have to spend on hospitalization and other treatment costs.
However, you need to opt for the best health insurance policy for yourself and your family, considering your requirements. To make your work easy, below is the list of best health insurance policies in India, which you can select to protect against medical expenses.
List of 10 Best Health Insurance Policies in 2021
- Star Health Medi Classic Health Insurance Policy
- Care Health Insurance Policy
- HDFC ERGO Optima Restore Health Insurance Policy
- ManipalCigna ProHealth Insurance Policy
- ICICI Lombard Complete Health Insurance Plan
- Bajaj Allianz Health Guard Health Insurance Plan
- Digit Health Care Plus Policy
- Max Bupa Health Companion Policy
- Bharti AXA Smart Health Assure Health Insurance Plan
- Aditya Birla Activ Assure – Diamond Health Insurance Plan
Star Health Medi Classic Health Insurance Policy
Star Health Medi Classic health insurance plan offers coverage against hospitalization expenses due to disease, illness, or accident. It has two options – Basic and Gold and covers the individual from 5 months to 65 years along with several other benefits like daycare treatment cover, ambulance charges cover, ambulance charges, health check-ups, non-allopathic treatment, amongst others.
Care Health Insurance Policy
Care Health Insurance policy offers sum assured up to Rs 75 lakhs along with an in-built maternity coverage up to Rs 1 lakh. In addition, the policy comes with several attractive benefits and features such as personal accident cover, annual health check-ups for policyholders and their family members, coverage for in-hospitalization, ambulance charges, pre, and post-hospitalization expenses, daycare expenses, domiciliary treatment, and many more.
HDFC ERGO Optima Restore Health Insurance Policy
HDFC ERGO Optima Restore Health Plan restores the sum insured on partial or complete utilization of the health cover. In addition, the plan offers a host of other benefits, such as health check-ups up to Rs. 5,000 at the time of renewals, 50% increase of your basic sum assured for every claim-free year, a daily allowance of Rs. 800 per day and a maximum of Rs. 6,000 per hospitalization, 10% family discount, lifelong renewability, and many more.
ManipalCigna ProHealth Insurance Policy
Manipal Cigna ProHealth Insurance plan offers comprehensive coverage against any kind of illnesses and medical emergencies. The plan includes different variants – ProHealth Protect, ProHealth Plus, ProHealth Accumulate Large Cover, ProHealth Preferred, ProHealth Premier catering to varying requirements of the customers. It is a value-for-money health insurance policy offering varied coverage starting from Rs 2.5 lakh to Rs 1 crore. The plan is available on an individual and floater basis and backed by several attractive features and benefits such as cumulative bonus, worldwide emergency cover, health check-up on renewal, maternity benefits, newborn expenses, amongst others.
ICICI Lombard Complete Health Insurance Plan
ICICI Lombard Complete Health Insurance Plan offers financial security against sudden medical expenses. Individuals from 18 years of age can be covered under this plan with no maximum age limit. Some of the valuable features of this policy include free health check-ups, daycare treatments, -hospitalization, post-hospitalization, maternity coverage, wellness program, preventive care, etc. It also covers senior citizens along with add-on features.
Bajaj Allianz Health Guard Health Insurance Plan
Bajaj Allianz Health Guard insurance plan is available on an individual as well as floater basis, catering to the varied healthcare needs of the customers. The plan offers a range of sum insured options to choose from between Rs 1.5 lakh and Rs. 50 lakhs. It is suitable for individuals between 18-55 years and provides coverage for in-patient hospitalization, daycare expenses, road ambulance expenses, pre and post-hospitalization expenses, etc.
Digit Health Care Plus Policy
This health insurance plan by Digit Health Insurance provides financial security against healthcare expenses arising due to multiple health risks. It comprises 16 different coverage benefits for various health issues. The policy also offers a wide range of sum insured options starting from Rs 10,000 to Rs 3 Crore, which the policyholders can avail for 1 year, 2 years, or 3 years, based on their budget and requirements.
Max Bupa Health Companion Policy
The Health Companion plan of Max Bupa lets you rent any room as long as it is not a suite or any category higher than that. So, if you are looking for one of India’s best health insurance policies, this can surely be regarded as a viable option. Moreover, this particular policy increases the no-claim bonus every year by 20% for every no-claim year, up to the maximum limit of 100%, and the accumulated bonus will not decrease.
Bharti AXA Smart Health Assure Health Insurance Plan
The Smart Health Assure Plan by Bharti AXA is a comprehensive health insurance plan covering people from the age group of 91 days to 65 years. The plan offers a lifelong renewability option. And varied sum insured options ranging between Rs. 1 lakh to Rs. 4 lakh. This health insurance plan also includes several features and benefits, including in-patient treatment, domiciliary hospitalization, day care treatment, AYUSH treatment, restoration of the sum insured, etc. It also comes with many additional benefits such as maternity benefit, newborn baby cover, hospital cash allowance etc.
Aditya Birla Activ Assure – Diamond Health Insurance Plan
This particular policy from Aditya Birla is counted among the best health insurance plans in India, offering substantial coverage benefits with high sum insured options. In addition, the plan comes with several attractive benefits such as hospitalization expenses, a second opinion on critical illness, and domestic and international emergency health care expenses. It also comes with an optional cover for cancer hospitalization booster, any room upgrade, and a reduction in the waiting period for pre-existing diseases.
Health insurance is indeed a necessary financial tool in today’s world to manage high medical expenses while saving your hard-earned money from draining out. So, here are some of the best health insurance policies available in India, which you can consider an ideal buying option. However, there are several other health insurance policies available in the market to which you can opt based on your requirements and budget.