What is a Comprehensive Health Insurance?

A comprehensive health insurance policy is an all-inclusive plan that provides extensive coverage against medical emergencies with lifetime renewability. It provides you with financial support to cover a wide range of medical expenses, including hospitalization expenses, day care treatment, road ambulance charges, etc.

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      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.

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

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