Best Health Insurance Plans

Finding the best health insurance plan from so many different health insurance companies can get confusing for many people. While selecting the best health insurance policy, you must look into various factors, including health insurance riders, benefits, coverage, network hospitals, etc.

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      Why Should You Buy the Best Health Insurance Policy?

      Buying the best health insurance policy is essential to keep up with the ever-soaring healthcare costs and assure a healthy future for you and your family without having to worry about medical bills and hospitalization expenses. Moreover, when it comes to buying health insurance plans, you might get confused about which plan to buy out of many available options.

      We at Policybazaar can help you select a top health insurance plan that meets your healthcare requirements. You can compare & select the best health plan for yourself and your family that will cover medical expenses, including pre & post-hospitalization expenses, day care expenses, coronavirus treatment, critical illness hospitalization, etc., depending on your preference and budget.

      Best Health Insurance Plans in India

      Below is a list of the best health insurance plans in India from some of the top-rated health insurance companies:

      Best Health Insurance Plans Entry Age (Min-Max) Sum Insured (Min-Max) Network Hospitals
      Aditya Birla Activ One Plan Adult: 18 years onwards
      Child: 91 days - 25 years
      ₹2 lakh - ₹6 crore 11000+ View Plan
      Bajaj Allianz Health Guard Plan Adult: 18-65 years
      Child: 90 days - 30 years
      ₹1.5 lakh - ₹1 crore 18400+ View Plan
      Care (Formerly Religare) Supreme Plan Adult: 18 years onwards
      Child: 91 days - 24 years
      ₹5 lakh - ₹1 crore 22900+ View Plan
      Cholamandalam Flexi Health Plan Adult: 18-65 years
      Child: 90 days 26 years
      ₹50,000 - ₹25 lakh 11000+ View Plan
      Digit Health Care Plus Plan Adult: 18 years onwards
      Child: 91 days onwards
      Up to ₹3 crore 16400+ View Plan
      Future Generali Health Absolute Plan Adult: 18-70 years
      Child: 90 days 25 years
      ₹3 lakh - ₹1 crore 8000+ View Plan
      HDFC ERGO Optima Secure Plan Adult: 18 years onwards
      Child: 91 days 25 years
      ₹5 lakh ₹2 crore 12000+ View Plan
      IFFCO Tokio Individual Health Protector Plan Adult: 18-65 years
      Child: 91 days onwards
      ₹50,000 - ₹20 lakh 7000+ View Plan
      Kotak Mahindra Health Premier Plan Adult: 18-65 years
      Child: 91 days 25 years
      ₹2 lakh ₹2 crore 9000+ View Plan
      Liberty HealthPrime Connect Plan Adult: 18-65 years
      Child: 91 days 25 years
      ₹10 lakh - ₹1 crore 6000+ View Plan
      Magma HDI OneHealth Insurance Plan Adult: 18 years onwards
      Child: 91 days 26 years
      ₹2 lakh ₹1 crore 8400+ View Plan
      ManipalCigna ProHealth Prime Plan Adult: 18- 70 years
      Child: 91 days 17 years
      ₹3 lakh - ₹15 lakh 8500+ View Plan
      National Mediclaim Plus Plan Adult: 18-65 years
      Child: 90 days 18 years
      ₹2 lakh - ₹50 lakh 6000+ View Plan
      New India Assurance Yuva Bharat Health Policy Adult: 18-45 years
      Child: 90 days 25 years
      ₹5 lakh - 50 lakh 8000+ View Plan
      Niva Bupa (Formerly known as Max Bupa) ReAssure 2.0 Plan Adult: 18-65 years
      Child: 91 days 30 years
      ₹5 lakh - ₹1 crore 10000+ View Plan
      Oriental Happy Family Floater Policy Adult: 18-65 years
      Child: 91 days - 25 years
      ₹1 lakh - ₹50 lakh 3300+ View Plan
      Raheja Health QuBE Insurance Plan Adult: 18-65 years
      Child: 90 days - 25 years
      ₹1 lakh - ₹50 lakh 5000+ View Plan
      Reliance Health Gain Plan Adult: 18-65 years
      Child: 91 days 25 years
      ₹3 lakh - ₹1 crore 9100+ View Plan
      Royal Sundaram NeXT Gen Health Insurance Plan Adult: 18-75 years
      Child: 91 days 25 years
      ₹5 lakh - ₹1.5 crore 10000+ View Plan
      SBI Arogya Supreme Policy Adult: 18-65 years
      Child: 91 days 25 years
      ₹1 lakh - ₹5 crore 16625+ View Plan
      Star Smart Health Pro Plan Adult: 18-50 years
      Child: 91 days 25 years
      ₹5 lakh - ₹1 crore 14000+ View Plan
      Tata AIG MediCare Plus Plan Adult: 18-65 years
      Child: 91 days 25 years
      ₹3 lakh - ₹1 crores 10000+ View Plan
      United India Individual Health Insurance Plan Adult: 18-65 years
      Child: 91 days 18 years
      ₹2 lakh - ₹20 lakh 14000+ View Plan
      Universal Sompo Complete Healthcare Insurance Plan Adult: 18-75 years
      Child: 91 days 25 years
      ₹1 lakh - ₹50 lakh 12000+ View Plan
      Zuno (Formerly Edelweiss) Health Insurance Plan Adult: 18-65 years (No limit under the Platinum variant)
      Child: 90 days 26 years
      ₹1 lakh - ₹1 crore 10000+ View Plan
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      *Disclaimer: Policybazaar does not endorse, rate, or recommend any particular insurer or insurance product offered by an insurer.

      How to Select the Best Health Insurance Policy?

      One single health insurance policy cannot meet the health requirements of everyone. In India, a wide range of health insurance policies are available in the market with each offering unique coverage benefits. You must check their benefits and know what is covered and what is excluded before selecting the best health insurance policy. You can also do some online research or speak to our customer care team at Policybazaar to choose a plan that best suits your requirements.

      Mentioned below are a few tips that you can consider while selecting the best health insurance plan:

      Choose an Adequate Sum Insured Amount

      Always go for a health plan that offers maximum health coverage with an adequate coverage amount to help you meet any medical emergency. With medical inflation, healthcare expenses are going up drastically and therefore, you’ll need a sufficient sum insured amount to cover all your medical costs.

      Today, a basic heart surgery can easily cost around ₹4-5 lakh, which is difficult to afford for a middle-class family. Therefore, make sure to choose an adequate coverage amount that is enough to meet your future financial requirements during medical emergencies.

      Choose the Right Coverage Type

      It is essential to buy the right type of health plan based on the health needs of the customer to ensure maximum coverage benefits. For instance, individual health plans are designed keeping the needs of an individual in mind. However, if you want to cover your entire family, buying a family floater health insurance plan is advisable. This way you aren’t required to buy a separate policy for each family member as the sum insured amount is available to all insured members on a floater basis. Moreover, the premium of a family plan is lower as compared to individual plans and thus, you can easily opt for a higher sum insured.

      Similarly, you can buy a senior citizen health insurance policy to cover your senior citizen parents. Such plans comprehensively cover the healthcare expenses of a senior citizen, even though for a slightly higher premium.

      Check the Pre-existing Disease Waiting Period

      Most health insurance plans cover pre-existing diseases after a waiting period. This means medical expenses resulting from any disease or medical condition diagnosed prior to buying the health plan will be covered only after the insured has served the pre-defined waiting period.

      In most cases, the pre-existing disease (PED) waiting period ranges anywhere from 2-4 years. However, many health plans today offer pre-existing disease coverage from day 1. Thus, while purchasing a health policy, you should go for the one with a shorter waiting period. The lower is the waiting period, the sooner your PRED claims will be paid by the insurance company.

      Pick an Insurer with a High Claim Settlement Ratio

      Claim settlement ratio is the number of claims settled by the insurer over the total claims it received in a year. Always opt for a health plan from an insurer that has a high claim settlement ratio. This way you will ensure a higher chance of your claim getting paid unless the insurer has a valid reason. Usually, a claim settlement ratio of 85% or more is considered good.

      Cashless Hospitalization

      With health insurance, you are entitled to avail cashless treatments from the network hospitals of your insurer. Today, every health insurance company provides cashless hospitalization, saving you from the trouble of running from pillar to post for document collection & filling and paying the medical bills

      Cashless hospitalization simplifies the claim settlement process and makes it a hassle-free experience for policyholders. Thus, it is advisable to choose a health insurance plan that has network hospitals in your area.

      Smooth Claim Settlement Process

      Mostly, the claim-settlement process is similar for all insurance companies (as instructed by the Insurance Regulatory and Development Authority of India). However, the process might differ a little depending on the policy of different insurance companies. Thus, it is advisable to understand both the cashless and reimbursement claim settlement process of different insurers clearly before purchasing the policy and choosing an insurer that offers a fast & hassle-free claim process.

      Don’t Forget to Compare Premium

      While choosing a health policy, it is essential to compare the premiums of different health insurance plans. You can easily compare multiple health insurance policies online on Policybazaar based on their premiums, coverage benefits, features, claim settlement ratio, etc. By comparing these plans, you can make an informed decision of buying a policy that offers all the benefits at a lower premium.

      Cashless Hospitalization

      With health insurance, you are entitled to avail treatments from network hospitals which are a group of hospitals associated with a particular insurer. Almost every health insurance company provides cashless hospitalization, saving you from the trouble of running from pillar to post for document collection and filling it. This facility is applicable in their network hospitals only.

      Cashless hospitalization simplifies the claim settlement process and makes it a hassle-free task for the policyholder. Then again, it is advisable to cross-check the list of the hospitals that are included in the list, before making the claim.

      Check the Reviews

      Customer reviews of different health insurance companies are essential when it comes to purchasing medical insurance online. Reviews can be helpful in understanding the pros and cons of an insurer. This will help you make a firm & informed decision and choose the best plan for yourself.

      Read the Policy Exclusions

      Most policyholders do not check the exclusions in a health insurance policy at the time of buying. As a result, they are surprised when their claims get rejected in future. Most health plans exclude expenses incurred on dental treatment, treatment of alcoholism, STD, cosmetic surgery, etc. Thus, you should go through the exclusions of different plans and choose the one with fewer exclusions.

      Read More

      Benefits of Buying the Best Health Insurance Plan in India

      Take a look at the benefits of buying the best health insurance plan in India:

      • Wider Coverage - If you buy the best health plan, you can ensure wider medical coverage for yourself and your family. It enables you to get more coverage without the need for buying multiple plans.
      • Lower Premiums - By choosing the best health insurance policy, you can end up paying lower premiums than other plans. You can easily choose a policy that offers broader coverage for an affordable premium.
      • Cashless Treatment - With a good health insurance plan, you can avail cashless treatment at a network hospital. It is a boon as you don’t need to pay out of your pocket in case of cashless treatment. You just need to complete the paperwork with the hospital authority and avail the treatment while the health insurance company will take care of the bills.
      • Tax Benefits - Section 80D of the Income Tax Act allows the policyholder to claim tax deductions on the premium paid to buy health insurance. As per tax laws, an individual below 60 years can claim a deduction of up to 25,000 per year on health insurance premiums. If the insurance premium is paid for people aged 60 years and above, then a tax deduction of up to 50,000 per fiscal year is permissible.
      • Coverage for Life-Threatening Illnesses - Lifestyle diseases are deadly and expensive to treat. A person with an average income may not be able to afford treatment for these diseases. However, if you own the best health insurance plan with critical illness cover, then a lump sum amount will be paid to you for the treatment of these diseases upon diagnosis. As this critical illness cover may come as a rider, you may have to pay an extra premium amount to obtain the cover.
      • Wellness Benefits - Some health insurers in India offer preventive check-ups and wellness benefits, which usually are not included in a basic health insurance plan. Buying the best health plan will help you obtain annual health check-up benefits along with the following wellness benefits:
        • Free health consultation with doctors
        • Discount on renewal premium
        • Consultation with nutritionists
        • Tie-up with health service providers
        • Lucrative offers on healthcare services
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      Brief Description of Best Health Insurance Plans

      • Aditya Birla Activ One Plan

        Aditya Birla Activ One plan provides extensive medical coverage along with 100% HealthReturns to individuals and families leading a healthy lifestyle. The plan comes in seven variants – MAX, VYTL, NXT, VIP, VIP+, MAX+ and SAVR.

        Features and Benefits:

        • Coverage for hospitalization, home healthcare and domiciliary hospitalization are available
        • Mental illness hospitalization, obesity treatment and HIV/AIDS & STD treatment are covered
        • Emergency global cover, maternity cover and specific illness cover are available
        • Annual health check-ups, claim protect and super reload benefits are available
        • Optional covers, including cancer booster, critical illness cover and personal accident cover are available
        • Annual screening for cancer-diagnosed patients and reduction in PED waiting period are also available as optional covers

        Waiting Periods:

        • Pre-existing disease waiting period 3 years or 4 years (Depending on the plan variant)
        • Initial waiting period - 30 days
        • Specific diseases/procedure waiting period 2 years
      • Bajaj Allianz Health Guard Plan

        Bajaj Allianz Health Guard is a comprehensive health insurance policy that protects the insured against any major healthcare expenses that may create a financial burden. It comes in three variants – Silver, Gold and Platinum.

        Features & Benefits :

        • In-patient hospitalization, day care procedures and Ayurvedic/Homeopathic hospitalization expenses are covered
        • Maternity benefit, convalescence benefit and bariatric surgery cover are available
        • Daily cash for accompanying an insured child and preventive health check-up benefits are available
        • Super cumulative bonus and recharge benefit are available under the Platinum variants only
        • No pre-policy medical check-up is required for up to 45 years

        Waiting Periods:

        • Pre-existing disease waiting period - 3 years
        • Specified disease/procedure waiting period - 2 years or 3 years
        • Initial waiting period 30 days
      • Care Supreme Plan

        Care Supreme plan provides maximum coverage to both individuals as well as families while ensuring unique wellness benefits and extra savings. Also, it provides a wide range of health insurance coverage to the insured including domiciliary hospitalization, alternative treatment, air ambulance cover and international second opinion.

        Features and Benefits

        • Coverage for in-patient hospitalization, domiciliary hospitalization and AYUSH treatment are available
        • Pre-hospitalization, post-hospitalization and ambulance charges are covered
        • Unlimited automatic recharge, health services and unlimited e-consultations are available
        • Optional covers, including claim shield, annual health check-ups and instant cover are available
        • Modification of the PED wait period, cumulative bonus super and wellness benefits are also available as optional covers

        Waiting Periods:

        • Initial waiting period - 30 days
        • Pre-existing disease waiting period 4 years
        • Named ailment waiting period 2 years
      • Cholamandalam Flexi Health Plan

        Cholamandalam Flexi Health is a flexible health policy that allows the policyholder to choose their medical coverage to gain more control over their healthcare.

        Features and Benefits

        • AYUSH treatment, hospitalization expenses and domiciliary hospitalization are covered
        • Daily care benefit, sum insured restoration and recharge benefit are available
        • Additional sum insured for a road traffic accident and medical second opinion are covered
        • Newborn baby cover, health check-up benefits and cumulative bonus are available
        • No room rent applies to the sum insured above ₹2 lakh

        Waiting Periods:

        • Initial waiting period - 30 days
        • Specific diseases waiting period - 2 years
        • Pre-existing illnesses waiting period 3 years
      • Digit Health Care Plus Plan

        Digit Health Care Plus is a comprehensive health plan that covers the medical expenses incurred on a wide range of illnesses and treatments.

        Features and Benefits

        • Coverage for alternate treatment, hospitalization expenses and home hospitalization are available
        • Cancer hospitalization, critical illness hospitalization and OPD expenses are covered
        • Infertility treatment cover, maternity benefit and newborn baby cover are available
        • Long hospitalization cash benefit, daily hospital cash cover and sum insured refill benefit are available

        Waiting Periods:

        • Prenatal and postnatal expenses
        • Pre-existing diseases
        • Hospitalization without doctor's recommendation
      • Future Generali Health Absolute Plan

        Future Generali Health Absolute plan has been designed to promote physical and mental wellness. It covers medical expenses incurred on treatments and illnesses while offering wellness benefits, including annual health check-ups. It is available in three variants – Classic, Platinum and Signature.

        Features and Benefits

        • Hospitalization, OPD treatment and home healthcare expenses are covered
        • Medical treatment abroad, patient care and emergency medical evacuation are available
        • Maternity expenses, pre & post-natal expenses, infertility expenses and newborn baby expenses are covered
        • Child vaccination benefits, wellness benefits and restoration of the sum insured are available

        Waiting Periods:

        • Pre-existing diseases waiting period 2 years
        • Initial waiting period 30 days
        • Listed conditions waiting period 2 years or 3 years
      • HDFC ERGO Optima Secure Plan

        HDFC ERGO Optima Secure plan safeguards your present as well as future medical expenses by offering 4x coverage for an affordable cost. It offers 2x coverage from day 1 with the Secure benefit, 100% increase in sum insured in 2 years with the Plus benefit, 100% restore benefit and 100% coverage on non-medical expenses with the Protect benefit. The plan is available in five variants – Suraksha, Secure, Super Secure, Secure Global and Secure Global Plus.

        Features & Benefits:

        • Coverage for in-patient, pre-hospitalization and post-hospitalization expenses are available
        • AYUSH treatment, home healthcare and e-opinion for critical illness are covered
        • Secure benefit, Plus benefit, Protect benefit and Restore benefit are available
        • Preventive health check-ups, global health cover and cumulative bonus are available
        • No room rent limit is applicable

        Waiting Periods:

        Claims arising due to the following circumstances are not covered:

        • Pre-existing disease waiting period - 3 years
        • Specific disease waiting period - 2 years
        • Initial waiting period - 30 days
      • IFFCO Tokio Individual Health Protector Plan

        IFFCO Tokio Individual Health Protector plan offers coverage against planned and emergency hospitalization expenses to individuals resulting from any illness or injury.

        Features & Benefits:

        • In-patient treatment, AYUSH hospitalization and domiciliary hospitalization are covered
        • Daily allowance, emergency assistance services and terrorism cover are available
        • Vaccination expenses, day care treatments and modern treatments are covered
        • Preventive health check-ups, cumulative bonus and wellness services are available

        Waiting Periods:

        • Initial waiting period - 30 days
        • Pre-existing disease waiting period - 3 years
        • Specific disease waiting period - 1 year
        • Diabetes/ hypertension waiting period - 90 days
      • Kotak Health Premier Plan

        Kotak Health Premier plan is a comprehensive health insurance policy that offers both medical coverage and value-added benefits to the insured. The plan is available in seven variants – Standard, Advantage, Edge, Elite, Absolute, 360 and Total.

        Features & Benefits:

        • Coverage for hospitalization expenses, second e-opinion and alternate treatment are available
        • Maternity expenses, newborn baby treatment and vaccination expenses are covered
        • Convalescence benefit, home nursing benefit and hospital daily cash are available
        • Air ambulance, domiciliary hospitalization and organ donor expenses are covered
        • Restoration benefit, cumulative bonus and annual health check-ups are available
        • Critical illness cover and personal accident cover are available as optional covers

        Waiting Periods:

        • Initial waiting period - 30 days
        • Specific disease waiting period - 2 years
        • Pre-existing disease waiting period - 1 year, 2 years, 3 years, 4 years
        • Maternity benefit waiting period - 3 years
        • Critical illness waiting period - 90 days
      • Liberty HealthPrime Connect Plan

        Liberty HealthPrime Connect plan extensively covers the medical expenses incurred on the treatment of an injury or an illness. It is available in three variants - Essential, Optimum and Optimum Plus.

        Features and Benefits:

        • Hospitalization expenses, including pre and post-hospitalization expenses are covered
        • Maternity & childcare, infertility treatment and nursing allowance are available
        • Day care procedures, obesity treatment and laser eye surgery are covered
        • Hospital daily cash allowance, restoration of the sum assured, AYUSH treatment and emergency assistance services are available
        • OPD cover, worldwide coverage, critical illness cover and personal accident cover are available as optional covers

        Waiting Periods:

        • Pre-existing diseases waiting period - 3 years or 4 years
        • Initial waiting period - 30 days
        • Specific disease waiting period - 1 year or 2 years
      • Magma HDI OneHealth Plan

        Magma HDI OneHealth plan provides comprehensive coverage to the insured for a wide range of healthcare expenses and treatments. The plan is available in five variants - Support, Secure, Support Plus, Shield and Premium.

        Features & Benefits:

        • Coverage for worldwide emergency hospitalization, OPD expenses and in-patient treatment are available
        • Home treatment, psychiatric treatment, LASIK surgery and HIV/AIDs treatment are covered
        • Maternity benefit, IVF treatment, convalescence benefit and hospital cash are available
        • Air ambulance services, AYUSH treatment and bariatric surgery are covered
        • Companion benefit, loss of income benefit and early joining benefit are available
        • Optional covers, such as global cover, critical illness cover and personal accident cover are available
        • Bonus booster, non-payable expense cover, reduction of PED waiting period, etc., are available as optional covers

        Waiting Periods:

        • Initial waiting period - 30 days
        • Specific disease waiting period - 2 years
        • Pre-existing disease waiting period - 2 years, 3 years, 4 years
      • ManipalCigna ProHealth Prime Plan

        ManipalCigna ProHealth Prime plan has been designed to provide medical coverage while promoting a healthy and active lifestyle. The plan covers PED diabetes, hypertension, asthma, obesity and dyslipidemia from day 91.

        Features and Benefits:

        • Hospitalization expenses, AYUSH treatment and day care procedures are covered
        • Convalescence benefit, premium waiver benefit and daily cash for shared accommodation are available
        • Domiciliary treatment, mental illness, HIV/AIDS & STD and domestic second opinion are covered
        • Restoration of the sum insured, cumulative bonus and wellness program are available
        • Worldwide accidental emergency hospitalization, non-medical items and health check-up benefit are available as optional covers

        Waiting Periods:

        • Initial waiting period - 30 days
        • Specific disease/procedure waiting period - 2 years
        • Pre-existing disease waiting period - 2 years
        • Waiting period for PED asthma, diabetes, obesity, hypertension and dyslipidaemia - 90 days
        • Mental illness waiting period - 2 years
      • National Mediclaim Plus Plan

        National Mediclaim Plus plan offers a number of lucrative coverage benefits that can come in handy during a planned hospitalization or medical emergency. It is available in three variants - Plan A, Plan B and Plan C.

        Features and Benefits:

        • Coverage for hospitalization, day care procedures and Ayurveda & homeopathy are available
        • Maternity expenses, morbid obesity and medical second opinion are covered
        • Medical emergency reunion, cumulative bonus, health check-ups and adventure sports cover are available
        • Outpatient treatment and critical illness are covered as optional covers

        Waiting Periods:

        • Pre-existing diseases waiting period - 3 years
        • Specific disease/procedure waiting period - 90 days, 1 year, 2 years, 4 years
        • Initial waiting period - 30 days
        • Morbid obesity waiting period - 4 years
        • Refractive error cover waiting period - 2 years
      • New India Assurance Yuva Bharat Health Policy

        New India Assurance Yuva Bharat Health policy has been designed to cover the healthcare needs of people up to the age of 45 years. It is available in three variants - Base plan, Gold plan and Platinum plan.

        Features and Benefits:

        • In-patient hospitalization, cataract treatment and mental illness are covered
        • Maternity cover, critical care benefit and personal accident benefit are available
        • Congenital disease treatment, infertility treatment and medical second opinion are covered
        • Birth right benefit, well baby cover and hazardous sports cover are available
        • Cost of health check-up, modern treatments and genetic diseases are covered
        • Auto top up, reinstatement of the sum insured and cumulative bonus are available
        • No pre-policy medical check-up is required

        Waiting Periods:

        • Pre-existing diseases waiting period - 2 years
        • Initial waiting period - 30 days
        • Specific disease waiting period - 90 days, 1 year, 2 years
      • Niva Bupa (Formerly known as Max Bupa) ReAssure 2.0 Plan

        Niva Bupa ReAssure 2.0 plan is a unique health insurance policy designed to provide maximum benefits to its policyholders. It offers unlimited sum insured forever with the ReAssure+ benefit, locks the premium as per the entry age with the Lock the Clock benefit and carries forward unused sum insured unlimited times with the Booster+ benefit. It is available in nine variants - Bronze, Silver, Gold, Bronze+, Silver+, Gold+, Diamond+, Platinum+ and Titanium+.

        Features and Benefits:

        • In-patient hospitalization, home care and second medical opinion are covered covered
        • ReAssure+ benefit, Booster+ benefit and Lock the Clock benefit are available
        • E-consultation, AYUSH treatment and organ donor expenses are covered
        • Shared accommodation benefit, annual health check-ups from day 1 and live healthy benefit are available
        • Optional covers, such as hospital cash benefit and safeguard/safeguard+ benefit are available
        • PED waiting time modification, personal accident cover, etc., are also available as optional covers
        • No capping on hospital room rent is applicable

        Waiting Periods:

        • Pre-existing disease waiting period - 3 years, 4 years
        • Specific disease/ procedure waiting period - 2 years
        • Initial waiting period - 30 days
      • Oriental Happy Family Floater Plan

        Oriental Happy Family Floater plan has been tailor-made to cover the healthcare expenses of the entire family. The plan comes in four variants - Silver, Gold, Diamond and Platinum.

        Features and Benefits:

        • Coverage for in-patient treatment, mental illness and AYUSH treatment are available
        • Maternity expenses, newborn baby expenses and Assisted reproduction technique are covered
        • Hospital daily cash allowance, medical second opinion and patient’s attendant allowance are available
        • OPD benefit for dental & ophthalmic cover, personal accident cover and an additional sum insured for critical illness treatment are available under the Platinum plan
        • No pre-policy medical test is required for up to 55 years

        Waiting Periods:

        • Pre-existing disease waiting period - 4 years
        • Specific disease waiting period - 90 days, 1 year, 2 years, 4 years
        • Initial waiting period - 30 days
        • Maternity cover waiting period - 2 years
      • Raheja Health QuBE Insurance Plan

        Raheja Health QuBE Insurance plan provides comprehensive medical coverage to customers during an unforeseen or planned hospitalization. It is available in four variants - Basic, Comprehensive, Super Saver and A La Carte.

        Features and Benefits:

        • In-patient hospitalization along with pre-post hospitalization expenses are covered
        • Daily allowance, recharge benefit, no claim bonus and sum insured increase benefit are available
        • Non-medical expenses and medical check-ups are covered
        • Sub-limit waiver is available as an optional cover

        Waiting Periods:

        • Initial waiting period - 30 days
        • Specific ailments/ conditions waiting period - 2 years
        • Pre-existing diseases waiting period - 4 years
      • Reliance Health Gain Plan

        Reliance Health Gain policy offers a wide range of new-age benefits while allowing customers to customize their plans to meet their health requirements. The plan comes in three variants - Plus, Power and Prime.

        Features and Benefits:

        • Hospitalization expenses, modern treatments and domiciliary hospitalization are covered
        • Waiver of premium, accidental death cover and loyalty cover are available
        • Policy service guarantee, claim service guarantee and wellness services are covered
        • Optional covers like child care cover, hospital cash, home care treatment and companion cover are available
        • Consumables cover, guaranteed cumulative bonus, health check-up benefit and double cover are also available as optional covers
        • No room rent limit is applicable

        Waiting Periods:

        • Initial waiting period - 30 days
        • Pre-existing disease waiting period - 3 years
        • Specific disease waiting period - 2 years
        • COVID-19 waiting period - 15 days
      • Royal Sundaram NeXT Gen Health Insurance Plan

        Royal Sundaram NeXT Gen Health Insurance is a one-of-a-kind health plan that allows customers to take charge of their healthcare and choose the coverage they need.

        Features & Benefits:

        • In-patient hospitalization, domiciliary treatment and day care treatments are covered
        • No Claim Bonus, annual health check-ups and reload benefit are available
        • Organ donor cover and ambulance cover, including app-based cab cover are available
        • Optional covers, such as ABCD cover, maternity discount and OPD cover are available
        • Consumables cover, treatment at home and room rent multiplier are also available as optional covers
        • No room rent limit is applicable

        Waiting Periods:

        • Pre-existing illnesses waiting period - 4 years
        • Initial waiting period - 30 days
        • Specific disease waiting period - 2 years
        • Personal waiting period - 4 years
      • SBI Arogya Supreme Policy

        SBI Arogya Supreme is a comprehensive health plan that covers the medical expenses and treatments of your entire family. The policy comes in three variants - Pro, Plus and Premium.

        Features & Benefits:

        • Coverage for in-patient hospitalization, alternative treatment and domiciliary hospitalization are available
        • Psychiatric illness, HIV, bariatric surgery, internal congenital anomaly and genetic disorders are covered
        • Domestic emergency assistance services, recovery benefit and e-opinion are available
        • Preventive health check-ups, cumulative bonus and sum insured refill benefit are available
        • Optional covers like any room upgrade, major illness benefit, hospital cash, etc., are available
        • Additional sum insured for accidental hospitalization and NCB protector are also available as optional covers

        Waiting Periods:

        • Generic policy waiting period - 30 days
        • Specific illnesses waiting period - 2 years
        • Pre-existing disease waiting period - 4 years
        • Hypertension, diabetes and cardiac condition waiting period - 90 days
        • Major illness benefit waiting period - 90 days
        • COVID-19 waiting period - 15 days
        • Internal congenital anomaly waiting period - 2 years
        • Cataract cover waiting period - 2 years
      • Star Smart Health Pro Plan

        Star Smart Health Pro plan allows the policyholder to pay only for the coverage they need, giving them more flexibility while choosing their ideal health plan.

        Features & Benefits:

        • Hospitalization expenses, home care treatment and AYUSH treatment are covered
        • Annual health check-ups, automatic restoration of the sum insured and wellness discount are available
        • Newborn baby treatment, air ambulance and day care treatments are covered
        • Optional covers, such as cumulative bonus booster and consumables cover are available
        • Unlimited automatic restoration of sum insured and reduction of the PED waiting period are also available as optional covers
        • No room rent limit is applicable

        Waiting Periods:

        • Initial waiting period - 30 days
        • Specific conditions/ surgeries/ treatments waiting period - 2 years
        • Pre-existing diseases waiting period - 4 years
      • Tata AIG MediCare Plus Plan

        Tata AIG MediCare Plus is a top-up health insurance plan that provides financial assistance to policyholders when their base policy is exhausted. The deductible options range from ₹2 lakh to ₹20 lakh, depending on the chosen sum insured.

        Features & Benefits:

        • Coverage for in-patient treatment, including dental treatment, are available
        • Second opinion, domiciliary treatment and day care procedures are covered
        • Consumables benefit, preventive health check-ups and cumulative bonus are available
        • Global cover is available as an optional cover
        • No pre-policy medical check is required for up to 45 years

        Waiting Periods:

        • Initial waiting period - 30 days
        • Listed illnesses/ treatments waiting period - 2 years
        • Pre-existing disease waiting period - 3 years
      • United India Individual Health Insurance Plan

        United India Individual Health Insurance plan covers healthcare expenses of an individual arising out of a planned or emergency medical treatment. It is available in three variants - Platinum, Gold and Senior Citizen.

        Features and Benefits:

        • Coverage for in-patient, pre-hospitalization and post-hospitalization expenses are available
        • Cost of health check-ups, modern treatments and day care treatments are covered
        • Daily cash allowance on hospitalization and road ambulance are available as optional covers

        Waiting Periods:

        • Pre-existing disease waiting period - 4 years
        • Specific disease/ procedure waiting period - 2 years, 4 years
        • Initial waiting period - 30 days
      • Universal Sompo Complete Healthcare Insurance Plan

        Universal Sompo Complete Healthcare Insurance plan has been designed to cover the treatment expenses of individuals and families resulting from illness or injury.

        Features & Benefits:

        • Hospitalization expenses, OPD treatment and accidental dental treatments are covered
        • Mother & child care benefits, convalescence benefit and restore benefit are available
        • Domiciliary hospitalization, health check-ups and vaccination expenses are covered
        • Optional covers, such as personal accident cover, global cover, critical illness cover, premium waiver, etc., are available
        • Rest cure, rehabilitation & respite care, non-medical items cover, hospital daily cash, etc. are also available as optional covers

        Waiting Periods:

        • Pre-existing illnesses waiting period - 3 years
        • Initial waiting period - 30 days
        • Specific disease waiting period - 1 year
        • Maternity expenses waiting period - 3 years
        • OPD treatment waiting period - 3 years
        • Internal congenital diseases waiting period - 2 years
        • External congenital diseases waiting period - 3 years
      • Zuno (Formerly Edelweiss) Health Insurance Plan

        Zuno Health Insurance plan provides extensive coverage to individuals and families during accidental or planned hospitalization. The policy comes in three variants - Silver, Gold, and Platinum.

        Features and Benefits:

        • Hospitalization expenses, AYUSH treatment and day care treatments are covered
        • Maternity benefit, hospital daily cash, recovery benefit and critical illness cover are available
        • Shared accommodation benefit, health check-ups, restoration benefit and no claim bonus are available
        • Recharge benefit and voluntary co-payment are available as optional covers

        Waiting Periods:

        • Initial waiting period - 30 days
        • Specified disease/ procedure waiting period - 2 years
        • Diabetes, cardiac conditions & hypertension waiting period - 90 days
        • Pre-existing disease waiting period - 2 years, 3 years, 4 years (Depending on the variant)
        • Maternity benefit waiting period - 4 years

      FAQs

      • Q:1 How to select a top health insurance company in India?

        Ans: Follow the below tips to select the top health insurance company in India:
        • The insurance company should have a vast list of network hospitals. Try to select a company that has your preferred hospital on its list.
        • The company must have a good claim support system. A good health insurance company generally settles its claims within one month.
        • The claim settlement ratio of the company should be at least 85% or above.
        • The company must offer a variety of health insurance plans.
        • It is necessary to select a company that has good customer reviews. You can check the reviews for different health insurance providers online on Policybazaar.com.
      • Q:2 Which health insurance policy is best in India 2024?

        Ans: If you are looking for the best health insurance plan in 2024 for you and your family, you must compare various medical insurance plans before making a decision. You can easily compare different plans online on Policybazaar.com based on coverage, premium, benefits, etc. and choose the best policy as per your requirements.
      • Q:3 How do I choose the best health insurance plan?

        Ans:To choose the best health plan for you and your family, keep the following things in your mind:
        • Compare different health plans based on coverage, premiums, customer reviews, etc.
        • Choose a health plan with a sum insured that adequately covers your healthcare expenses
        • Pick a right type of plan, depending on people to be insured
        • Prefer a family floater plan instead of buying individual policies for each family member
        • Choose a plan with minimal PED waiting period
        • Pick a plan without any sub-limits or co-payments
        • Select a health plan from an insurer with a good claim settlement ratio
      • Q:4 Which is the best cashless health insurance policy in India?

        Ans: Every health insurance company provides cashless health insurance plans. To choose a policy that best offers cashless medical insurance, you must buy check the insurance company’s network of empanelled hospitals. You must pick a plan of an insurer with a large network of empanelled hospitals in your area. Moreover, go for a plan that takes less time to approve cashless claim requests.
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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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      *We will respond in the first instance within 30 minutes of the customers contacting us. 30-minute claim support service is for the purpose of giving reasonable assistance to the policyholder in pursuance of the claim. Settlement of claim (including cashless claim) is the responsibility of the insurer as per policy terms and conditions. The 30-minute claim support is subject to our operations not being impacted by a system failure or force majeure event or for reasons beyond our control. For further details, 24x7 Claims Support Helpline can be reached out at 1800-258-5881. Product information is authentic and solely based on the information received from the Insurer. Policybazaar is acting only as a facilitator and claims settlement shall be at the sole discretion of the Insurer. As per the Insurance guidelines, you are allowed to cancel the policy with-in 15 days from the date of Issuance of policy. For more details, please read the Plan Brochure carefully or talk to our advisor at the time of purchase.

      **All savings and online discounts are provided by insurers as per IRDAI approved insurance plans. #Tax Benefits are subject to changes in tax laws.

      ##On ground claim assistance is available in 114 cities

      ~No medical tests are required unless requested by the insurer’s underwriter. In-case of pre-existing diseases relevant medical proof would be required as per the terms and condition of the policy opted.

      ^Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

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