What is a Comprehensive Health Insurance: Compare, Buy Plans Online

What Does Comprehensive Health Insurance Plans Cover?

Comprehensive health insurance plans are known for their extensive policy coverage. Take a look at some of the most common covers available under comprehensive health plans in India:

In-patient hospitalization
Day care treatment
Pre-hospitalization
Post-hospitalization
Organ donor expenses
Domiciliary hospitalization
OPD treatment
AYUSH Treatment
Emergency ambulance

When you decide to buy a comprehensive health insurance policy, you will find multiple plans from different insurers. It is best to compare health insurance plans on the basis of their coverage benefits and premium before buying to find the most suitable plan for yourself.

List of Comprehensive Health Insurance Plans in India

Check out the list of various comprehensive health insurance plans in India below:

Comprehensive Health Insurance Plans	Eligibility Criteria	Sum Insured	Network Hospitals
Aditya Birla Activ Assure Diamond Policy	Adult - 18 years onwards Child - 91 days to 25 years	Rs 2 lakh to Rs 2 crore	6000+	View Plan
Bajaj Alianz Health Care Supreme	Adult - 18 years onwards Child - 03 months to 25 years	Rs 5 lakh to Rs 50 lakh	6500+	View Plan
Bharti AXA Health AdvanEDGE Policy	Adult - 18 years to 65 years Child - 91 days onwards	Rs 2 lakh to Rs 3 crore	4500+	View Plan
Care Health Insurance Plan	Adult - 18 years onwards Child - 91 days onwards	Rs 3 lakh to Rs 75 Lakh	16,500+	View Plan
Chola Healthline Policy	Adult - 18 years to 65 years Child - 90 days to 26 years	Rs 2 lakh to Rs 10 lakh	6500+	View Plan
Digit Health Care Plus Policy	Adult - 18 years onwards Child - 91 days onwards	Up to Rs 3 crore	5000+	View Plan
Edelweiss Health Insurance	Adult - 18 years to 65 years Child - 03 months to 26 years	Rs 1 lakh to Rs 1 crore	2500+	View Plan
Future Generali Health Total	Adult - 18 years onwards Child - 1 day to 25 years	Rs 3 lakh to Rs 1 crore	6000+	View Plan
IFFCO Tokio Health Protector	Adult - 18 years to 65 years Child - 91 days onwards	Rs 50,000 to Rs 20 lakh	6400+	View Plan
Kotak Mahindra Health Insurance	Adult - 18 years to 65 years Child - 91 days to 25 years	Rs 2 lakh to Rs 1 crore	4800+	View Plan
Liberty HealthPrime Connect Policy	Adult - 18 years to 65 years Child - 91 days to 25 years	Rs 10 lakh to Rs 1 crore	5000+	View Plan
ManipalCigna ProHealth Insurance	Adult - 18 years onwards Child - 91 days to 23 years	Rs 2.5 lakh to Rs 1 crore	6500+	View Plan
Niva Bupa (Formerly known as Max Bupa) GoActiv Health Insurance	Adult - 18 to 65 years Child - 91 days to 21 years	Rs 4 lakh to Rs 25 lakh	7000+	View Plan
National Mediclaim Plus Policy	Adult - 18 to 65 years Child - 03 months to 18 years	Rs 1 lakh to Rs 50 lakh	6000+	View Plan
New India Health Insurance	Adult - 18 to 65 years Child - 03 months to 25 years	Rs 1 lakh to Rs 15 lakh	3000+	View Plan
Oriental Mediclaim Insurance Policy	Adult - 18 to 65 years Child - 03 months to 18 years	Rs 1 lakh to Rs 10 lakh	4300+	View Plan
Raheja Health QuBE Comprehensive Plan	Adult - 18 to 65 years Child - 03 months to 25 years	Rs 3 lakh to Rs 50 lakh	5000+	View Plan
Reliance HealthWise Policy	Adult - 18 to 65 years Child - 91 days to 25 years	Rs 1 lakh to Rs 5 lakh	7300+	View Plan
Royal Sundaram Lifeline Health Insurance Plan	Adult - 18 years onwards Child - 91 days to 25 years	Rs 2 lakh to Rs 1.5 crore	5000+	View Plan
SBI Arogya Supreme Health Insurance	Adult - 18 to 65 years Child - 91 days to 25 years	Rs 3 lakh to Rs 1 crore	6000+	View Plan
Star Comprehensive Insurance Policy	Adult - 18 to 65 years Child - 3 months to 25 years	Rs 5 lakh to Rs 1 crore	11,000+	View Plan
Tata AIG MediCare Policy	Adult - 18 years onwards Child - 91 days onwards	Rs 3 lakh to Rs 20 lakh	7200+	View Plan
United India Family Medicare Policy	Adult - 18 to 70 years Child - 91 days to 18 years	RS 3 lakh to Rs 25 lakh	7000+	View Plan
Universal Sompo Complete Healthcare Insurance	Adult - 18 to 70 years Child - 91 days to 25 years	Rs 1 lakh to Rs 10 lakh	4000+	View Plan

See More Plans

Disclaimer : *Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.

Why Should You Buy a Comprehensive Health Insurance Policy?

You may have often heard that ‘Health is Wealth’. But in the fast-paced life today, our health is getting neglected in more ways than we would like. Not only has the stress levels increased but more people have turned to a sedentary lifestyle which is only doing irreversible damage to the body. Besides, medical inflation has made availing healthcare facilities highly expensive.

In such a situation, buying a comprehensive health insurance policy is the best way to pay for exorbitant medical expenses. It ensures that your medical expenses are taken care of by your insurance company, thereby, eliminating any financial burden and protecting your hard-earned savings.

Get a better understanding of comprehensive health insurance by going through its benefits below:

1. Wider Coverage

A comprehensive health insurance policy comes with wider coverage. It provides coverage for in-patient hospitalization expenses along with pre and post-hospitalization expenses. It also covers the cost of availing road ambulance services and day care procedures. Most plans also offer coverage for AYUSH treatment, organ donor expenses and domiciliary hospitalization expenses. In some plans, maternity expenses may also be covered after a waiting period.

2. Covers the Entire Family

Most comprehensive health insurance plans in India provide coverage to the entire family. You can cover your spouse and children under the same policy with you. Some plans may also extend coverage to your parents and parents-in-law. The sum insured may be either available on an individual or floater basis.

3. Outpatient Treatment

Unlike basic health plans, most comprehensive health insurance plans provide coverage for outpatient treatment or OPD expenses. It pays for the OPD consultation cost that you may incur if you visit a doctor without the need for getting hospitalized.

4. Pre-existing Disease Coverage

All comprehensive health insurance plans provide coverage for pre-existing diseases. However, such diseases are covered only after a waiting period. Generally, pre-existing diseases come with a waiting period of 2 to 4 consecutive years.

5. Riders/Add-on Covers

Besides basic coverage, a comprehensive health plan also comes with a few riders or add-on covers. You can purchase these riders to expand the coverage level of your policy. Some of the most common riders available under comprehensive health insurance plans are critical illness cover, maternity cover, hospital daily cash, personal accident cover, etc.

6. Cashless Treatment

Just like regular health plans, a comprehensive health insurance policy also offers cashless treatment facilities to its policyholders. Under cashless treatment, the hospital bills are directly paid by your health insurance company. All you need to do is visit a network hospital of your insurer to avail cashless medical treatment.

7. Cumulative Bonus

A comprehensive health insurance policy comes with a cumulative bonus benefit. It increases your sum insured by a certain percentage if you do not raise any claim in the previous policy year for no extra cost.

In a Nutshell

Buying a comprehensive health insurance policy is the best decision that you make for the well-being of yourself and your family. You will be able to opt for the best treatment without worrying about paying the hospital bills. Besides, you will protect your savings from getting depleted. Just make sure to compare the plans before buying to find the most suitable plan for your health needs.