In the last couple of years, the term medical insurance has touched the seventh sky with new discoveries. Studies and researchers show that changes in the lifestyle of a normal human being make up prone to illness and fatigue. So, here are the top 5 health insurance, which you can opt for:
Care Plan by Care Health Insurance (Religare)
Care Plan from Care Health Insurance is a health insurance policy that covers medical expenses of the injured occurring from the illness, injury, or accident. Care plan is available in 5 ways which include Care 3, Care 4, Care 5, Care 6, and Care 7.
Policyholders can easily get an insurance plan for a sum insured which ranges between INR 4 lacs to INR 6 crore under this plan. The policy also provides some other add-on benefits that policyholders can opt for by paying a little extra premium. These include the Unlimited Automatic Recharge, Smart Select, International Second opinion, everyday care, No Claim Bonus Super, personal accident cover, and air ambulance.
ICICI Lombard Complete Health Insurance- iHealth
ICICI Lombard Complete Health Plan is mainly referred to as the best plans among many other health insurance plans which are offered by this insurance company. This plan comes out with several benefits such as free health check-ups, emergency ambulance covers, cashless hospitalization, tax benefit, and much more. It provides a lifelong renewability
option.
Additionally, apart from the hospitalization expenses and treatment expenses, this policy also covers the expenses incurred due to the day care process. One can also enjoy a cashless facility at all cashless network hospitals under this plan.
Max Bupa Health Companion Health Insurance Plan
Max Bupa Health Insurance provides a health companion health insurance plan. It offers customized insurance policies that can easily go well with the different needs of customers. The benefits of this policy are: inclusive of pre & post hospitalization, Avail in-patient treatment under the Aayushman up to the base sum insured, daily cash allowance and covers hospitalization.
Star Health – Senior Citizens Red Carpet
If you are looking to buy a health insurance cover for a senior citizen, the best option which is available in India is Senior Citizens Red Carpet from Star Health Insurance. This insurance plan has an entry age of 60 years to 75 years. It provides a cover of around INR 10 lacs, but the greatest benefit
is that all the pre-existing diseases are covered without any waiting period at all.
Star health insurance provides a 10% discount on premium if stress thallium, blood urea BP report, and creatinine reports are normal. That said, no other medical exam is required to subscribe to this
insurance plan. This insurance plan also covers the emergency ambulance charges and domiciliary treatments. This plan has a co-payment of 50% of the pre-existing diseases and 30% on any other diseases.
Tata AIG Insurance
Tata AIG carries an AAA rating by the ICRA for its ability to pay claims and policyholder obligations in a timely manner. The individual death claim ratio for 2018-2019 was 96.12%. Tata AIG Medicare is a comprehensive plan which is initially offered for 1, 2, or 3 years.
One can avail of a long-term premium discount of 5% and 10% for the policy with a period tenure of 2 and 3 years respectively. The best part is that the policy covers the medical expenses which are being incurred outside India too. Moreover, the initial diagnosis should have been made in India. Tata AIG Medicare health plans come in three variants – Medicare Protect, Medicare, and Medicare Premier.
