Health Insurance Companies

Top Medical Insurance Policies by Indian Health Insurers

*Please note that the quotes shown will be from our partners

Before glancing at the list of top medical insurance policies, it is necessary to know the meaning of health insurance. It is defined as a type of insurance that covers medical and surgical expenses which are incurred by the insured. Health insurance either reimburses the insured for costs incurred from illness or injury or pays the care provider directly.

Below is the list of top medical insurance policies (not in a specific order) provided by the leading Indian Health insurers:

Apollo Munich Health Insurance

Apollo Munich Easy Health Exclusive (family Plan)

Minimum age to cover 3 months for children, maximum is 65 years

Features and Benefits:

  • Assured plan renewal for life.
  • Cashless facility (in network Hospitals)
  • Re-reimbursement (non-network hospitals)
  • Pre and Post hospitalization
  • Emergency Ambulance
  • Day care Procedures
  • Maternity expenses
  • New born baby cover
  • Additional cover for critical illness.

Star Health & Allied Insurance Company Limited

Star Family Health Optima Insurance Plan (Family Floater) (2 adults+2 children)

Minimum age to cover 3 months for children, maximum is 65 years

Features and Benefits:

  • Assured plan renewal for life.
  • Cashless facility (in network Hospitals)
  • Re-reimbursement (non-network hospitals)
  • Pre and Post hospitalization
  • Room rent, boarding and nursing expenses
  • Surgeon's fees, Consultant's fees, Anesthetist’s and Specialist's fees, Cost of medicines and drugs
  • Emergency Ambulance
  • Day care Procedures
  • Cataract treatment

Max Bupa Health Insurance Company Ltd.

Max Bupa Heartbeat Health Gold Plan

Minimum age to cover 3 months for children, maximum is 65 years

It covers up to 13 relationships and 50 family members

Features and Benefits:

  • Assured plan renewal for life
  • Cashless facility
  • No age restriction to cover senior citizens or new born baby
  • All day care procedures
  • Health check-up on renewal
  • Access to health advice 24/7
  • Very limited exclusions
  • Maternity benefits for up to 2 deliveries
  • New born baby covered from birth till next policy renewal
  • Vaccinations for new born baby covered for first year

Reliance General Insurance Co. Ltd.

Reliance Health Wise Family Floater

Minimum age to cover is 3 months for children, maximum age is 55 years

Maximum age for policy renewal is 75 years

 Features and Benefits:

  • Cashless facility (in network Hospitals)
  • Re-reimbursement (non-network hospitals)
  • Pre and Post hospitalization
  • Room rent, boarding and nursing expenses
  • Emergency Ambulance
  • Day care Procedures

ICICI Lombard GIC Ltd

ICICI Lombard Health Advantage

Minimum entering age is 5 years and maximum is 65 years

Policy can be renewed till the age of 70 years only

Features and Benefits:

  • Cashless facility (in network Hospitals)
  • Re-reimbursement (non-network hospitals)
  • Pre and Post hospitalization
  • Room rent, boarding and nursing expenses
  • Emergency Ambulance
  • Day care Procedures
  • Swine Flu/H1N1 covered if not pre-existing

Bajaj Allianz

Bajaj Allianz Health Guard (Individual policy)

Minimum entry age is 3 months and maximum is 65

Maximum policy renewal age is 80 years

Features and Benefits:

  • Cashless facility (in network Hospitals)
  • Re-reimbursement (non-network hospitals)
  • Pre and Post hospitalization
  • Room rent, boarding and nursing expenses
  • Emergency Ambulance
  • Day care Procedures

Oriental Insurance Company Ltd

Oriental Happy Family Floater

Minimum entry age is 18 years and maximum is 55 years

Maximum policy renewal age is 65 years

Features and Benefits:

  • Assured plan renewal for life.
  • Cashless facility (in network Hospitals)
  • Re-reimbursement (non-network hospitals)
  • Pre and Post hospitalization
  • Room rent, boarding and nursing expenses
  • Surgeon's fees, Consultant's fees, Anesthetist’s and Specialist's fees, Cost of medicines and drugs
  • Emergency Ambulance
  • Day care Procedures

United India Insurance Co Ltd

United India Family Medicare

Minimum entry age is 18 years and maximum is 80 years

Features and Benefits:

  • Assured plan renewal for life.
  • Cashless facility (in network Hospitals)
  • Re-reimbursement (non-network hospitals)
  • Pre and Post hospitalization
  • Room rent, boarding and nursing expenses
  • Surgeon, anesthetist, medical practitioner, consultants, specialist fees, blood, oxygen, chemotherapy, Radiotherapy, Artificial limbs, Cost of prosthetic devices implanted during surgical procedure like pacemaker etc., X-Ray
  • Emergency Ambulance
  • Day care Procedures
  • Cataract treatment 

New India Assurance Co.Ltd.

New India Mediclaim

Minimum entry age is 3 months and maximum is 60 years

Features and Benefits:

  • Pre-existing Diabetes mellitus and Hypertension (2 years after taking the policy)
  • Assured plan renewal for life.
  • Cashless facility (in network Hospitals)
  • Re-reimbursement (non-network hospitals)
  • Pre and Post hospitalization
  • Room rent, boarding and nursing expenses
  • Surgeon's fees, Consultant's fees, Anesthetist’s and Specialist's fees, Cost of medicines and drugs
  • Emergency Ambulance
  • Day care Procedures 

National Insurance Company

National Insurance Varishtha Mediclaim

Minimum age for entry is 60 years and maximum is 80 years

Maximum age for policy renewal is 90 years

Features and Benefits:

  • Coronary artery surgery, organ transplant, cancer, stroke, multiple sclerosis, major organ transplants etc. are exclusively covered

Rest other expenses like pre and post hospitalization, cashless facility, reimbursement, Ambulance expenses etc. are covered too.

The above Top Health Insurance plans will be helpful to choose the best insurer and their health plans in India.

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