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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