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Best Health Insurance Plans in India 2019

Health insurance is one of the most complicated insurance products. It comes with numerous riders and benefits which gives rise to several types of health insurance plans. With the ever-soaring healthcare costs in India, it is imperative to buy the right kind of health insurance policy that provides ample protection to you and your family.

By buying the best health insurance plan, you can ensure a healthy future for your entire family as all your medical expenses including hospitalization bills, daycare expenses, charges of the emergency ambulance, etc will be taken care by your insurance provider.

The insurance market in India is quite competitive. All insurance companies provide multiple health insurance plans to cater to the needs of different types of people. With so many variants, anyone can get confused as to which health insurance policy he should buy. You can ease this confusion and make a wise decision by comparing different health insurance policies at PolicyBazaar.

List of top 10 Best Health Insurance Plans

There is a wide range of health insurance plans available in India. Ideally, the best health insurance policy should be the one that offers maximum health insurance coverage for the most affordable rate of premium. To help you pick the most suitable plan, we have listed the top 10 health insurance plans in India below on the basis of factors such as eligibility, uniqueness of features, coverage, affordability, limits and exclusions.

  • Religare Care Health Insurance Plan
  • Max Bupa Health Companion Individual Plan
  • Star Family Health Optima Plan
  • Apollo Munich Optima Restore Plan
  • HDFC ERGO Health Suraksha Gold Plan
  • Bajaj Allianz Health Guard Plan
  • ManipalCigna Prohealth Plus Plan
  • Star Senior Citizen Red Carpet Health Plan
  • Royal Sundaram Lifeline Supreme Plan
  • Aditya Birla Activ Assure Diamond Plan

Plan Name

Entry Age

Sum Insured (In Rs.)

Policy Renewability

Religare Care Health Insurance Plan

Minimum - 91 days

Maximum - No age bar

4 lakh to 6 Crore

Lifelong

Max Bupa Health Companion Individual Plan

Minimum - 90 days

Maximum - No age bar

3 lakh to 1 Crore

Lifelong

Star Family Health Optima Plan

Minimum - 16 days

Maximum - 65 years

1 lakh to 25 lakhs

Lifelong

Apollo Munich Optima Restore Plan

Minimum - 91 days

Maximum - 65 years

3 lakh to 50 lakhs

Lifelong

HDFC ERGO Health Suraksha Gold Plan

Minimum - No minimum age

Maximum - No maximum age

3 lakh to 10 lakhs

Lifelong

Bajaj Allianz Health Guard Plan

Minimum - 3 months

Maximum - 65 years

1.5 lakh to 50 lakhs

Lifelong

ManipalCigna Prohealth Plus Plan

Minimum - 91 days

Maximum - No age bar

4.5 lakh to 50 lakhs

Lifelong

Star Senior Citizen Red Carpet Health Insurance Plan

Minimum - 60 years

Maximum - 75 years

1 lakh to 25 lakhs

Lifelong

Royal Sundaram Lifeline Supreme Plan

Minimum - 91 days

Maximum - No age bar

5 lakh to 50 lakhs

Lifelong

Aditya Birla Activ Assure Diamond Plan

Minimum - 91 days

Maximum - No age bar

2 lakh to 2 Crore

Not specified

Disclaimer: The ranking of the insurance companies in this content is not in any particular order. The list is not complied as per the IRDA ranking.

Best Health Insurers 1

Religare Care Health Insurance Plan

Religare Care Health plan is a comprehensive insurance policy that provides health insurance coverage to both individuals as well as the entire family. This health insurance policy by Religare is one of the best in the country as it provides a wide range of coverage to the insured including domiciliary hospitalization, alternative treatment, air ambulance cover and international second opinion.

Features & Benefits:

Following are the features and benefits offered by the Religare Care Health plan:

  • Individual & floater cover - The sum insured amount under the plan is available under individual as well as family floater basis.
  • Pre-hospitalization coverage - The plan covers all pre-hospitalization expenses including cost of tests and investigations for up to 30 days before getting admitted
  • In-patient hospitalization - It covers in-patient expenses including ICU charges and room rent when admitted in a hospital.
  • Daycare expenses - This health insurance policy by Religare covers daycare expenses or expenses incurred on medical treatment that doesn’t require you to stay admitted in a hospital for more than 24 hours.
  • Post hospitalization - The plan reimburses post-hospitalization expenses including pharmacy bills, investigation charges and doctor’s fee for up to 60 days of getting discharged from the hospital.
  • Domiciliary hospitalization - It covers the cost of domiciliary hospitalization for a treatment that extends for more than 3 days in cases when admitting the patient to the hospital is not possible and treatment is given at home.
  • Ambulance cover - The plan reimburses the charges for availing ambulance service on road in emergency situations. Certain plan variants also cover the cost of air ambulance if opted as an add-on cover by the insured.
  • Daily hospital allowance - Under this plan by Religare, daily allowance to meet day-to-day hospital expenses is provided.
  • Organ donor cover - The plan will reimburse any medical expenses borne by the organ donor during the organ transplant surgery.
  • Alternate treatment - It also covers the cost of undertaking alternative treatment using Ayurveda, Homeopathy, Sidha and Unani.
  • Second opinion - This health insurance plan will also cover cost of obtaining an international second opinion from another doctor.
  • Tax benefit - This plan allows you to avail tax benefits on premium under the Section 80C of the Income Tax.

Exclusions:

Take a look at the various exclusions under the Religare Care Health plan:

  • Waiting period - A waiting period of first 30 days is applicable under this plan. No medical expenses will be covered during this period.
  • Self-Inflicted Injuries- The plan does not cover treatment expenses of any self-inflicted injuries including suicide and attempt to suicide.
  • Use of alcohol/ drugs- It does not cover the treatment cost of any injury or illness arising out of use, overuse or abuse of alcohol and drugs.
  • AIDS - The plan does not cover the expenses incurred on treatment of HIV AIDS.
  • Pregnancy & related illness - Treatment cost of any illness or condition resulting due to pregnancy, childbirth, abortion, miscarriage and related procedures are not covered under this plan.
  • Congenital diseases - The plan does not cover the treatment expenses incurred on congenital diseases.
  • Infertility - It does not cover medical expenses incurred on tests or treatment of infertility or IVF.
  • War - The plan does not cover the cost of hospitalization resulting due to war, strike riot, nuclear weapons/ explosions, etc.

Max Bupa Health Companion Individual Plan

Health Companion Individual by Max Bupa is a comprehensive and affordable health insurance plan formulated especially for individuals and nuclear families. It is available in three variants that provide a different range of medical coverage to the insured. This health insurance policy comes with an option of two-year policy tenure and also covers the cost of vaccination in case of an animal bite.

Multiple Variants

In order to fulfil different insurance needs of different insurance buyers, this plan comes in three variants:

Variant- 1

It offers 2 sum insured options: Rs. 3 lakh and Rs. 4 lakh. In order to enhance the insurance coverage, it comes with a top-up with an Annual Aggregate Deductible (AAG) option of Rs. 1 lakh, Rs. 2 lakh, Rs. 3 lakh, Rs. 4 lakh, Rs. 5 lakh and Rs. 10 lakhs.

Variant- 2

It offers 4 sum insured options: Rs. 5 lakh, Rs. 7.5 lakh, Rs. 10 lakh, and Rs. 12.5 lakh. In order to enhance the insurance coverage, it can be loaded with a top-up with Annual Aggregate Deductible (AAG) option of Rs. 1 lakh, Rs. 2 lakh, Rs. 3 lakh, Rs. 4 lakh, Rs. 5 lakh, and Rs. 10 lakh.

Variant- 3

It offers 5 sum insured options: Rs. 15 lakh, Rs. 20 lakh, Rs. 30 lakh, Rs. 50 lakh, and Rs. 1 Crore. In order to enhance insurance coverage, it comes with a top-up with Annual Aggregate Deductible (AAG) option of Rs. 1 lakh, Rs. 2 lakh, Rs. 3 lakh, Rs. 4 lakh, Rs. 5 lakh and Rs. 10 lakh.

Features and Benefits

Here are the features and benefits of the Health Companion plan by Max Bupa:

  • In-Patient Hospitalization:The plan covers the incurred medical expenses in case the insured is hospitalized for any covered treatment/illnesses.
  • No Cap on Room Rent:The plan covers hospital accommodation costs (except suite and above-room category) without any cap on room rent.
  • Pre- Hospitalization and Post-Hospitalization Charges:The plan will reimburse pre-hospitalization charges up to 30 days and post-hospitalization charges for 60 days for a covered illness or injury.
  • Day Care Treatments:While this plan covers all the day-care treatment expenses, such procedures shouldn’t have been undertaken in the outpatient department.
  • Refill Benefit:If an insured has exhausted his/her base insured amount, the refill benefit acts as a life-saver, both literally and metaphorically. This benefit offers an amount equal to the base sum insured as an additional amount for a subsequent claim against any different and unrelated illness.
  • Alternative Treatments:This plan offers in-patient coverage for alternative treatments like Ayurveda, Unani, Siddha, & Homeopathy, up to the base amount insured.
  • Long-Term Policy Benefits: When a policy is purchased for 2-year policy tenure, a discount of 12.5 per cent is offered on the premium.
  • Renewal Benefits:After the completion of the first policy year, this plan offers the following renewal benefits:
  • No Claim Bonus-Base sum insured is enhanced by 20 per cent up to 100 per cent of the base amount insured for every claim-free year.
  • Health check-up-For variant 1, free routine health check-up is offered to the insured and his/her family members (if applicable) once in 2 years. For variant 2 and variant 3, the same benefit is provided annually.
  • Emergency Ambulance Expenses:This plan covers emergency ambulance expenses incurred while transporting the insured to the nearest hospital. The limit is Rs 3,000.
  • Organ Transplant Cover:The plan covers organ donation expenses, organ harvesting for organ transplantation for the insured person.
  • Domiciliary Treatment:The plan covers domiciliary treatment expenses if a hospital bed is unavailable or such treatment is advised by the attending doctor. Under this cover, medical treatment is administered at home. Here are the pre-requisite conditions to avail this cover:
    • Attending doctor must confirm that the insured can’t be transferred to the hospital or a hospital bed is unavailable.
    • The treatment must continue for a minimum time period of 3 consecutive days.
  • Animal Bite Vaccination:This plan offers reimbursement up to Rs. 7500 (or as per the variant opted) for OPD treatment expenses for vaccinations/immunizations for treating an animal bite.
  • Hospital Cash Benefit:Optionally, this plan offers a lump-sum payout of Rs. 4,000 (or as per the variant opted) on a daily basis as daily cash benefit if an insured is hospitalized for a minimum duration of 2 days. The benefit can be availed for up to 30 days.
  • No Age Bar for Enrolment:For this plan, the minimum entry age for infants is 90 days. For a senior citizen, there is no age restriction.
  • Tax Benefit:The plan offers tax benefit as per Section 80D of the Income Tax Act.
  • Life Time Renewal Benefits:The plan offers lifetime renewability benefit if an insured renews his/her policy without fail.
  • Direct Claim Settlement:The plan offers hassle-free and smooth claim settlement as the claims are directly processed by Star Health Insurance’s in-house customer support team.
  • Cashless Facility:The plans offer cashless facility at the network-listed hospitals.
  • Free Look Period:The plan ensures transparency and complete satisfaction by offering a 15-day free look period. During this time period, a plan can be cancelled by stating a valid reason.

Exclusions

Insurance coverage for Max Bupa Health Companion ceases to exist for the following medical expenses/treatment:

  • Artificial life maintenance
  • Ancilliary hospital charges, unjustified hospitalization, unrecognized doctor or hospital
  • Hazardous activities, conflict & disaster and unlawful activity
  • Circumcision and external congenital anomaly
  • Complementary & Alternative Medicine (CAM), experimental/ investigational or unproven treatment, inconsistent/ irrelevant or incidental diagnostic procedures, OPD treatment and off-label drug or treatment
  • Cosmetic & reconstructive surgery and obesity & weight control procedures
  • Dental or oral treatment and eyesight & optical services
  • HIV AIDS & related diseases and sexually transmitted infections & diseases
  • Convalescence & rehabilitation, mental & psychiatric conditions and substance-related & addictive disorders and sleep disorders
  • Non-medical expenses
  • Puberty or menopause-related disorders, reproductive medicines and other maternity expenses
  • Robotic-assisted surgery, LASER and light-based treatment
  • Treatment received outside India

Best Health Insurers 2

Star Family Health Optima Plan

Family Health Optima by Star Health Insurance is a comprehensive policy that offers coverage to all the insured members of a family on a family floater basis. As a health insurance plan, it is one of the most affordable in the market and offers a variety of insurance benefits at an affordable premium. This plan comes with assisted reproductive treatment and offers coverage to a newborn baby.

Features and Benefits

Here are the features and benefits of Family Health Optima plan:

  • Comprehensive Coverage:This plan offers comprehensive coverage for the whole family.
  • Additional Sum Insured:If the insured meets with a road accident, the sum insured amount will be automatically increased by 25%, up to Rs. 5 lakh insured at no added cost. This cover ceases to exist in case insured doesn’t wear a helmet while riding a two-vehicle as a rider or pillion rider.
  • Health Check-up:The plan offers routine check-up benefit if no claim has been filed during a policy year.
  • New Born Baby Cover:The plan covers a newborn baby from 16th day onwards.
  • Day Care Procedures:The plan covers the expenses incurred on all day-care procedures.
  • Grace Period:The plan comes with a grace period of 120 days in case a policyholder fails to renew the plan.
  • Hospitalization Expenses:The plan covers incurred hospitalization expenses as per the sum insured for room expenses, boarding & nursing charges, surgeon fees, anaesthetist fees, medical practitioner fees, consultant’s fees, specialist fees, operation theatre expenses, diagnostics expenses, oxygen charges, imaging expenses, medicines & drugs charges, blood expenses, pacemaker charges, etc.
  • Emergency Ambulance Charges:The plan covers emergency ambulance charges for transportation to the nearest hospital as per the sum insured.
  • Air Ambulance Expenses:The plan covers air ambulance expenses up to 10 per cent of the amount insured.
  • Pre-Hospitalization and Post-Hospitalization Charges:The plan covers pre-hospitalization charges up to 60 days and post-hospitalization charge up to 90 days.
  • Domiciliary Hospitalization:The plan covers incurred medical treatment due to domiciliary hospitalization for illnesses/diseases exceeding 3 consecutive days.
  • Organ Donor Expenses:The plan covers organ donation expenses for harvesting an organ required for transplant up to 10 per cent of the sum insured or Rs. 1 lakh, whichever is lesser.
  • Emergency Domestic Medical Evacuation:The plan covers incurred transportation expenses of the insured up to the pre-decided limits.
  • Compassionate Travel:The plan offers reimbursement for air transportation expenses up to Rs. 5,000 for an immediate family member in case the insured is hospitalized in another town.
  • Repatriation of Mortal Remains:In case of death, the plan offers reimbursement up to Rs. 5,000 for repatriation of the mortal remains to insured’s hometown (if applicable).
  • Shared Accommodation Expenses:The plan covers shared accommodation expenses as per the opted sum assured.
  • AYUSH Treatment:The plan covers Ayurveda, Unani, Siddha, & Homeopathy treatment as per the opted sum assured.
  • Second Medical Opinion:The plan covers a second opinion from the doctor of a network-listed hospital.
  • Assisted Reproductive Treatment:The plan offers reimbursement for the incurred medical expenses up to Rs. 2 lakh for assisted reproduction treatment for sub-fertility.
  • Sum Insured Restoration:The plan offers 100 per cent restoration of the sum insured thrice during a policy period in case the basic sum assured is exhausted.
  • Recharge Benefit:The plan offers recharge benefit as per the opted amount insured.
  • No Claim Bonus:The plan offers a No Claim Bonus upon renewal for a claim-free year.

Exclusions:

The following treatment expenses will not be covered by the Star Family Health Optima plan:

  • Circumcision and related procedures
  • Inoculation or vaccination (except for medical treatment or for post-bite treatment)
  • Congenital external anomalies or defects
  • Dental treatment or surgeries, Lasik laser surgery
  • Convalescence
  • Psychiatric, behavioural or mental disorders, Intentional self-inflicted injury
  • Use of intoxicants, including smoking, drugs and alcohol
  • Sexually transmitted diseases & venereal diseases, HIV AIDS & related diseases
  • War, war-like situation or act of foreign enemy
  • Pregnancy, childbirth and related procedures, treatment for subfertility and assisted conception
  • Treatment for obesity and bariatric surgery
  • Medical or surgical treatment for sleep apnea
  • Cost of High-Intensity Focussed Ultrasound, deep brain stimulation, fibroid embolisation, VAX-D, balloon sinoplasty and related procedures
  • Inconsistent diagnostic procedures and unjustified hospitalization
  • Untested, experimental, unconventional or unproven treatment
  • Stem cell therapy, procedures relating to Platelet Rich Plasma procedures and chondrocyte implantation
  • Oral chemotherapy
  • Cosmetic, aesthetic treatment, plastic surgery
  • Cost of contact lenses and spectacles, cost of tonics and vitamins
  • Ancilliary hospital charges

Apollo Munich Optima Restore Plan

Optima Restore by Apollo Munich is one of the leading health insurance plans that provide extensive medical coverage right from pre-hospitalization to post-hospitalization expenses. This comprehensive plan comes with a restore benefit that automatically restores the sum insured in case it is exhausted. Moreover, Apollo Munich is known for faster claim settlements, which mean the medical expenses will be reimbursed in the minimum possible time.

Features and Benefits                           

Here are features and benefits of Apollo Optima Restore health insurance plan:

  • Wider Coverage:The family floater version of this plan extends insurance coverage to proposer’s spouse, dependent children, dependent parents, and parents-in-law.
  • Long-Term Coverage:The plan comes with a long-term policy option for up to 2 years. Additionally, a 7.5 per cent discount is offered if an insured selects a 2-year policy period.
  • In-Patient Hospitalization:The plan covers incurred medical expenses due to hospitalization for more than 24 hours. Additionally, this cover comes with no room rent limits.
  • Day-Care Procedures:The plan covers incurred medical expenses of all the day-care procedures that don’t require hospitalization for a minimum time period of 24 hours.
  • Pre-Hospitalization and Post-Hospitalization Coverage:The plan offers pre-hospitalization cover for diagnostic tests, routine medication, doctor consultations fees and investigative tests up to 60 days before hospitalization and post-hospitalization cover up to 180 days after hospitalization.
  • Domiciliary Treatment:The plan covers incurred medical expenses of treatment underwent at home which would need hospitalization in the first place
  • Organ Donor Expenses: The plan covers expenses incurred on harvesting organ for the insured’s organ transplant.
  • Daily Cash Benefit:The plan comes with a daily cash benefit if an insured opts for shared accommodation. Under this benefit, the insured gets a lump sum amount if he/she shares a room in an authorized hospital.
  • Emergency Ambulance Cover:The plan covers emergency air ambulance charges for transportation in an air ambulance for the seeking treatment for a life-threatening illness/disease.
  • Health Check-up Benefit:The plan provides reimbursement for a yearly preventive health check-up if the opted plan has a sum assured of Rs. 10 lakh and the two-yearly basis for sum assured of Rs. 5 lakh.
  • Restore Benefit:The plan provides automatic restoration of the base sum insured in case the basic sum assured and the multiplier benefit have been exhausted. This benefit can be availed on an annual basis.
  • Stay Active Benefit:The plan offers a benefit to the insured for being active. Under this benefit, he/she gets a discount upon policy renewal if he/she accomplishes the average step count (ASC) target as set by Apollo’s mobile app within the assigned time duration.
  • E-opinion:The plan offers E-opinion benefits for an insured diagnosed with a critical illness from a network-listed health expert. This benefit is offered once per policy year.
  • Additional Cover for Critical Illness:The plan comes with an optional cover for 8 critical illnesses including coronary artery bypass surgery, cancer, organ harvesting from a donor for an organ transplant, aorta graft surgery, pulmonary artery graft surgery, heart valve repair or replacement, bone marrow transplant, and neurosurgery.
    • It covers incurred transportation cost (for insured as well as accompanying relative) accommodation charges, second opinion benefit and post-hospitalization charges for insured.
    • Policyholders having a sum insured of Rs. 10 lakh or more can opt for this cover.
    • The cover is available within the individual plan as well as family floater plan.
  • Multiplier Benefit:For every claim-free year, the plan offers a bonus of 50 per cent to 100 per cent of the amount insured upon policy renewal. If a claim is filed/ processed the bonus will decrease by 50 per cent of the sum insured upon renewal
  • Cashless Claim Benefit:The plan comes with a benefit of cashless claim service. In order to avail this benefit, an insured must obtain a pre-authorization certificate for a planned hospitalization minimum 2 days before the scheduled hospitalization. In case of an emergency, the insured must inform the insurer within 24 hours of the hospitalization.
  • Enhancement of Sum Insured:Upon renewal, the plan enables an insured to enhance the base amount insured. To be eligible to avail the benefit, the insured must have a claim-free history.
  • Tax Benefits:The plan offers tax benefits for the premium paid as per Section 80D of the IT Act.

Exclusions

Here are the exclusions of Apollo Optima Restore health insurance plan:

  • Waiting Period-All the medical treatment expenses incurred during the first 30 days of policy commencement (except any incurred medical treatment expenses for an accidental injury).
  • Pre-Existing Illnesses-Any pre-existing illness will be covered only after a 3-year waiting period.
  • Disease-Specific Waiting Period-Coverage for pre-specified diseases such as hernia, cataract, surgery of hydrocele, joint replacement surgeries etc. comes with a waiting period of 2 years.
  • HIV/AIDS-Any incurred expenses for the treatment of HIV, AIDS or related infection/diseases.
  • Disease-Specific Exclusions-Insurance coverage ceases to exist in case of treatment for congenital diseases, insanity, mental disorders, weight control programs/ treatments and cosmetic surgery.
  • Drugs Induced Illnesses or Injuries-Any illnesses or injuries induced by intoxicants and hallucinogenic substances such as intoxicating drugs & alcohol.
  • War-Any illness/ injuries caused due to an act of war, biological, nuclear or chemical or weapon, radiation etc.
  • Pregnancy-Any incurred expenses due to pregnancy, childbirth, abortion, miscarriage, and related consequences.
  • Dental Treatment Expenses-Any treatment expenses incurred on dental treatment.
  • External Aids-Any expenses incurred due to external aids and equipment.
  • Personal Comfort Goods-Any incurred expense due to personal comfort & convenience items/goods.
  • Unauthorized Treatment-Any incurred expense due experimental treatment, unproven treatment and investigative treatment is it in terms of devices or pharmacological regimens.

HDFC ERGO Health Suraksha Gold Regain Plan

The HDFC ERGO Health Suraksha Gold is a health insurance policy that offers comprehensive coverage to the insured. It offers extensive coverage which includes medical expenses such as hospitalization expenses, mental healthcare, air ambulance as well as recovery benefit. It also covers AYUSH treatments as well as domiciliary treatment expenses. The plan can be opted by individuals, families as well as by senior citizens.

Features and Benefits

Here are features and benefits offered by Health Suraksha Gold:

  • Comprehensive Coverage:This plan offers optimized health insurance coverage at an affordable premium.
  • Wide Network of Hospitals:This plan offers a wide network of 6000 plus network-listed hospitals that offer cashless claims service.
  • No Entry Age Restriction:This plan comes without any restriction on entry age.
  • Various Sum Insured Options:This plan offers various sum insured option: Rs. 3 lakh, Rs. 4 lakh, Rs. 5 lakh, Rs. 7.5 lakh, and 10 lakh.
  • Cumulative Bonus:After every claim-free year, this plan offers enhanced cumulative bonus ranging from 5 per cent up to 50 per cent of the sum insured upon renewal.
  • Coverage Basis:As per the need of an insurance buyer, this plan can be availed on the individual as well as family floater basis.
  • Tax Benefits:This plan offers tax benefits as per Section 80D of the Income Tax Act
  • Minimal Paperwork and Hassle-free Claims:For a seamless claim settlement process, this plan comes with minimal paperwork.
  • Zero Sub-limits:This plan comes with no sub-limits on any illness, disease, hospital charges, doctor fees and room rent.
  • In-patient Treatment Expenses:This plan covers hospital expenses for room rent, medicines, nursing and ICU.
  • Pre-Hospitalization and Post-Hospitalization Charges:The plan offers reimbursement for pre-hospitalization charges for 60 days and post-hospitalization charges for 90 days for a covered illness or injury.
  • Day Care Treatment: The plan covers 586 daycare procedures that do not require hospitalization
  • AYUSH Treatments:This plan offers treatment coverage for Ayurveda, Unani, Siddha, & Homeopathy as per the sum insured.
  • Maternity Benefit:This plan covers maternity expenses which include pre-natal and post-natal expenses.
  • Newborn Baby Cover: This plan provides medical coverage to newborn baby right from birth.
  • Domiciliary Treatment Expenses:This plan covers incurred medical expenses for domiciliary treatment taken at home on a cashless basis.
  • Organ Donation Expenses:This plan covers incurred medical expenses for organ harvesting for transplant.
  • Emergency Ambulance:The plan covers the cost of using ambulance services during an emergency.
  • E-Opinion for a Critical Illness: The plan covers the cost of taking e-opinion on a few critical illnesses.
  • Convalescence Benefit: The insurer will pay 1% of the sum insured up to Rs 15,000 in a lump sum if the insured is hospitalized for more than 10 consecutive days.
  • Sum Insured Rebound:This plan allows you to get the extra sum insured up to the sum insured amount.
  • Mental Healthcare: This plan covers hospitalization expenses of the insured for any mental illness.
  • Air Ambulance:This plan covers the cost of using an emergency air ambulance if required.
  • Regain Benefit:This plan offers optional cover of Regain benefit that allows automatic availability of amount insured in case it is exhausted. Additional 5% of the premium will be charged if you opt for this cover. Some of the Regain Benefits Terms and Conditions are:
    • Basic amount insured will be re-instated once per policy year.
    • If the Regain amount insured isn’t utilized in a policy year, it wouldn’t be carried forward.
    • Regain benefit can’t be withdrawn upon subsequent policy renewals.
    • Regain/reinstated sum insured can be used specifically for future claims as it can’t be used against any claim for a covered disease or illness and its complications for which a claim has already been made in the current policy tenure.

 Additional Discounts

  • Long-Term Discounts-Additionally, upon renewal, this plan offers 10 per cent discount if the insured renews his/her health plan for 2 years.
  • Family Discount-A family discount of 10 per cent is offered if 2 or more family members are individual policyholders of Health Suraksha.

Exclusions

As per Health Suraksha Gold Regain plan, mentioned below are the policy-duration-based exclusions:

  • Waiting Period-Any health treatment during the first 30 days of buying the policy, excluding the treatment for any accidental injury.
  • Specific Diseases-Surgical procedures for specific diseases such as tonsils, sinuses, internal tumour, and cysts will be covered only after a 2-year waiting period.
  • Pre-Existing Illnesses-Treatment for Pre-existing illnesses during the first 48 months of the policy. As per Health Suraksha Gold Regain plan, mentioned below are the permanent exclusions.
  • HIV/AIDS Treatment-Any incurred expenses for the treatment of HIV/AIDS or related illnesses/infections.
  • Any expenses incurred in the treatment of mental disorders, insanity, weight control surgery/ treatment, and cosmetic surgery.
  • Drugs Abuse-Any incurred expenses for treatment due to abuse of hallucinogens or intoxicants, such as drugs & alcohol.
  • War-Any incurred expenses for any treatment due to war (nuclear and chemical), biological weapon, radiation, terrorist activities or radioactivity.

Bajaj Allianz Health Guard Plan

Bajaj Allianz Health Guard plan is one of the best health insurance plans in India that protects the insured against any major medical expenses that may create a financial burden. It is a comprehensive plan that is available for individuals as well as for families. This plan by Bajaj Allianz also provides medical coverage during pregnancy as well as to the newborn baby.

Features & Benefits:

Here is a list of features and benefits offered under the Bajaj Allianz Health Guard Plan:

  • In-patient hospitalization - This plan covers in-patient hospitalization expenses incurred by the insured including room rent, ICU charges, surgery cost and nursing expenses.
  • Pre-hospitalization coverage - It covers any pre-hospitalization expenses incurred up to 60 days before getting admitted in the hospital.
  • Post-hospitalization expenses - This plan by Bajaj Allianz covers medical expenses incurred up to 90 days after getting discharged from the hospital.
  • Road ambulance - This plan covers the expenses incurred on road ambulance up to a maximum amount of Rs. 20,000 every policy year.
  • Daycare procedures - It covers the cost of daycare procedures where the insured was provided with in-patient care for less than 24 hours and not in OPD or outpatient department.
  • Organ donor cover - The plan covers expenses incurred in the treatment of organ donor in an organ transplant surgery.
  • Convalescence benefit - Under this plan, the insured is paid Rs. 5000 every policy year if he is hospitalized for an illness or injury for more than 10 consecutive days. This benefit available to insured with a policy term of more than a year.
  • Daily cash benefit - This plan provides daily cash of Rs. 500 for up to 10 days to the parent/ legal guardian accompanying the insured child of less than 12 years to the hospital.
  • Ayurvedic/homoeopathic treatment - It covers the cost of medical treatment taken visa Ayurveda or homoeopathy where the insured was admitted for more than 24 hours.
  • Maternity expenses - The plan will cover the medical expenses incurred on childbirth, abortion, miscarriage or other related procedures.
  • Newborn baby cover - This plan by Bajaj Allianz will also cover any medical expenses incurred ion treatment of a newborn baby including hospitalization and vaccination cost for a maximum of 90 days from its birth.
  • Bariatric surgery cover - The cost of bariatric surgery is covered under this plan if the insured fulfils the eligibility criteria.
  • Free preventive health check-up - This plan provides the insured with free medical checkups at the end of every three consecutive years.

Exclusions:

The Bajaj Allianz Health Guard plan consists of the following exclusions:

  • Waiting period - This plan by Bajaj Allianz is subject to certain waiting period:
    • A waiting period of 36 months of pre-existing diseases
    • A waiting period of 24 months for certain specific diseases
    • No medical expenses incurred in the first 36 months will be covered under this plan
  • Dental treatment - The expenses incurred on any kind of dental procedure will be not be covered under this plan.
  • In-patient care - This plan does not cover the cost of unwarranted in-patient hospitalization without the supervision of doctor or nursing staff.
  • War - It does not cover the expenses incurred on hospitalization resulting due to war or an act of war, invasion, civil unrest, insurrection, etc.
  • Treatment received outside India - This plan does not cover the cost of any treatment undertaken by the insured outside India.
  • Cosmetic surgery - It does not cover the cost of any cosmetic surgery, plastic surgery or any aesthetic treatment or gender-change surgery.
  • External appliances - Any expenses incurred on purchasing external appliances such as contact lenses, spectacles, crutches, dentures, hearing aids, etc. are not covered under this plan.
  • External equipments- The plan does not cover the cost of any external medical equipment used post-hospitalization at home such as instrument used to treat Sleep Apnoea Syndrome, etc.
  • Intentional self-injury - It does not cover the treatment expenses of any intentional self-injury including suicide, attempt to suicide or overuse/ abuse of alcohol or drugs.  
  • HIV - This plan by Bajaj Allianz does not cover the medical expenses incurred in the treatment of HIV or related diseases.
  • Infertility - It does not cover the cost of any treatment related to infertility, impotence, erectile dysfunction, etc.
  • Obesity - The plan does not cover the cost of any treatment or procedure related to obesity.

ManipalCigna Prohealth Plus Plan

Prohealth Plus plan by ManipalCigna is one of the leading health insurance plans in India. It provides medium coverage but does include smaller OPD expenses along with worldwide emergency coverage in case of hospitalization during his overseas trip. This health insurance policy comes with an option of unlimited restoration of the sum insured apart from offering healthy maintenance benefit. It also covers maternity expenses, newborn baby expenses, including the first-year vaccinations.

Features and Benefits

Here are the features and benefits provided under the Prohealth Plus plan by ManipalCigna:

  • Enhanced Sum Insured:The plan comes with an enhanced sum insured to fulfil individual insurance needs. Insurance buyers can opt for desired coverage from 9 sum insured options - Rs. 4.5 lakh, Rs. 5.5 lakh, Rs. 7.5 lakh, 10 lakh, 15 lakh, 20 lakh, 25 lakh, 30 lakh and 50 lakhs.
  • Covered Hospitalization Expenses:The plan covers hospitalization expenses for treatment expenses, diagnostics test charges, drugs and consumables expenses, medicine expenses, accommodation charges for a single private room, Intensive Care Unit expenses, surgeon’s fees, oxygen charges, blood charges, operation theater charges, nursing charges, anesthesia charges, surgical equipment charges etc. as per the opted plan.
  • Renewal Benefit:The plan offers lifetime renewal option.
  • Long-Term Policy Period:The policy, as per the proposer’s discretion, can be long-term. Insurance buyers can opt the plan for 1-year, 2-year or 3-year policy tenure, depending on his/her preference.
  • Pre-Hospitalization and Post-Hospitalization Charges:The plan covers pre-hospitalization expenses such as doctor’s fees, pharmacy expenses, diagnostic tests charges etc. incurred up to 60 days. Additionally, the plan covers post-hospitalization charges for consultation fees, pharmacy expenses, and diagnostic tests charges etc. up to 180 days.
  • Day Care Cover:The plan covers a few specific day-care treatments which require hospitalization for less than 24 hours such as dialysis, cataract surgery, radiation therapy, etc.
  • Domiciliary Treatment:The plan covers treatment underwent at home due to shortage/unavailability of bed or if the doctor-in-charge prescribes home-care, up to 30 days.
  • Emergency Ambulance Cover:The plan covers ambulance charges up to Rs. 3,000 every time the insured needs to be transported to the nearest hospital.
  • Donor Expenses:The plan covers organ transplant and medical charges incurred due to organ harvesting for the transplant.
  • Worldwide Emergency Coverage:The plan offers emergency medical coverage across the globe, once per policy year. In case an insured is travelling abroad, he/she can avail this benefit up to the sum insured and insurer will reimburse it later.
  • Restoration Benefit:The plan offers restoration benefit in case the sum insured & cumulative bonus (CB) or cumulative bonus booster (if applicable) is inadequate due to previous claims. Under this benefit, 100 per cent of the sum insured will be restored once per policy year and can be used for all unrelated illnesses or injuries.
  • Health Maintenance Cover:The plan offers reimbursement of Rs. 2,000 on an annual basis for out-patient charges such as pharmacy expenses, doctor’s consultation fees, diagnostic tests fees, alternative medicines (AYUSH), etc.
  • Maternity Expenses:The plan covers maternity expenses up to Rs. 15,000 in case of normal delivery and Rs. 25,000 for a C-section delivery.
  • New Born Baby Cover: This plan will cover hospitalization expenses of the newborn baby if any.
  • First Year Vaccinations:The plan covers first-year vaccinations expenses of the newborn baby (if applicable).
  • Medical Check-Up:The plan offers a comprehensive routine medical check-up for the insured members who are aged 18 or above.
  • Critical Illness Expert Opinion:The plan covers the fees of experts who are approached for the second opinion for covered critical illness such as stroke, cancer, etc. However, the expert should be a medical practitioner of a network-listed hospital.
  • Deductible:The plan offers a flexible option to decide a deductible from the options- Rs .1 lakh, Rs. 2 lakh and Rs. 3 lakh. The deductible will be applicable to the claims filed in that policy term.
  • Voluntary Co-Payment:The plan comes with an option of voluntary co-payment wherein the insured decides whether he/she will pay the first 10 per cent or 20 per cent of the claim.
  • Decreased Maternity Waiting Period:On the payment extra premium, the waiting period pertaining to maternity can be reduced. This also applies to optional benefits -newborn baby cover and first-year in such a case, the waiting period (applicable from the inception of the policy) shall be reduced from 4 years to 2 years.
  • Waiver of Senior Citizen Mandatory Co-Payment:The plan comes with an option to eradicate mandatory co-payment applicable to an insured person aged 65 years and above by paying an additional premium.
  • Critical Illness Additional Covers:The plan comes with a critical illness add-on for policyholders between 18 - 65 years of age. This add-on offers a lump sum equivalent to the amount insured after the first diagnosis of a covered critical illness. For a family floater, this benefit provides 100 per cent reinstatement of the insured sum.
  • Free Look Period:The plan comes with a free look in the duration of 15 days from policy commencement. During this period, a policyholder can cancel the plan by stating a legitimate reason. If no claims are filed, the paid premium will be refunded.
  • Grace Period:The plan comes with a grace time period of a month. During this period, a policy can be renewed and the insurance coverage will be restored.
  • Tax Benefit:The plan comes with tax benefits as per Section 80D of Income Tax Act, 1961.
  • Easy Cancellation:The plan can be cancelled any time and premium will be refunded accordingly.

Additional Discounts

Here are the additional discounts that can be availed under the Prohealth Plus plan:

  • Family discount-The plan offers a 25 per cent discount on the premium paid for the enrolment of 2 or more family members in an individual plan.
  • Long-term discount-The plan offers a discount of 7.5 per cent if a 2-year policy term is selected and a discount of 10 per cent is offered if a 3-year policy term is selected.
  • No Claims Bonus-The plan offers enhanced sum insured ranging from 10- 200 per cent after every claim-free year.
  • Healthy Rewards-The plan offers reward point’s equivalent to 1 per cent of the premium on an annual basis. Additionally, reward points equal to up to 19 per cent of the premium can be accumulated by opting for Cigna’s online wellness programs. These points can be redeemed upon renewal. Each reward point is equal to 1 Rupee.

Exclusions

As per Prohealth Plus health insurance plan, mentioned below are the policy-duration-based exclusions:

  • Maternity Coverage-Maternity coverage can be availed after 48 months of policy inception.
  • First Year Vaccination-This cover shall be available after a waiting period of 48 months.
  • Waiting Period or 30 Days -No claims can be filed during a waiting period of first 30 days from the commencement of the plan. This waiting period isn’t applicable in case of an accident and ported health insurance policies.
  • Survival Period-During the first 90 days from the commencement of the policy, no critical illness-related claims can be filed.
  • 2 Years Waiting Period-There is a 2-Year Waiting period from the commencement of policy, for pre-decided illnesses.

As per Prohealth Plus health insurance plan, mentioned below are the permanent exclusions.

  • HIV/AIDS-Any incurred treatment expenses due to HIV/AIDS or related diseases/infections.
  • Genetic Disorders-Any incurred treatment expenses due to genetic disorders.
  • Mental Disorders-Any incurred treatment expenses due to mental disorders
  • Drug Abuse or Suicide -Any incurred treatment expenses due to suicide or drug abuse,
  • Child Birth/ Pregnancy- Any incurred treatment expenses due to childbirth or pregnancy-related
  • Restoration Benefit-Any claim filed under maternity cover, newborn baby cover, the worldwide emergency cover will lead to losing out on restoration benefit.
  • Voluntary Co-Pay and Deductible-Voluntary co-pay and deductible can’t be selected in the same plan.
  • Pre-Existing Illnesses-Pre-existing illnesses will be covered only after a waiting period of 36 months.
  • Tax Benefit-If the premium is paid in cash, tax benefits under Section 80D would not be applicable.

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Star Senior Citizen Red Carpet Health Insurance Plan

Star Senior Citizen Red Carpet health insurance plan is a top-rated health insurance policy for elderly people. Senior citizens are prone to frequent hospitalizations due to age-related illnesses and this health insurance plan provides comprehensive coverage for pre-existing diseases. This plan not only exempts the applicant from appearing for a pre-policy medical screening but also covers expenses incurred on medical consultations. Moreover, it is available on individual as well as family floater basis.

Benefits and Features

Here are the benefits and feature of Red Carpet health insurance plan:

  • Coverage:The plan caters to the senior citizens aged between 60 - 75 years.
  • No Medical Screening:The plan comes without any preliminary medical screening. However, a 10% additional discount is given if the reports of BP, sugar, Blood urea & creatinine and stress thallium is submitted.
  • Pre-Existing Illness Cover:The plan covers pre-existing illnesses after a waiting period of one year.
  • Medical Consultation Cover:The plan covers medical consultations under outpatient cover in an insurer-authorized hospital.
  • Enhanced Sum Insured:The plan comes with a higher sum insured amount up to Rs. 25 lakhs.
  • Lifelong Renewals:This plan comes with guaranteed lifelong renewal.
  • Discounts:When Red Carpet health insurance plan is purchased online, a 5 per cent discount can be availed on the premium.
  • Hospitalization Coverage:The plan covers an insured’s inpatient hospitalization expenses for hospitalization of a minimum of 24 hours. Under this cover, expenses such as nursing & boarding charges, room rent, surgeon fees, anaesthetist fees, medical practitioner fees, consultants’ fees, specialist fees, medicines & drugs expenses are covered up to the opted sum insured.
  • Emergency Ambulance Cover: The plan covers pre-decided emergency ambulance expenses for transportation to the nearest hospital.
  • Post-Hospitalization Expenses:The plan covers post-hospitalization expenses (lump-sum) up to the pre-decided
  • Day Care Procedures:The plan covers specific day-care procedures.
  • Sub-limits:The plan comes with sub-limits only for specific illnesses.
  • Hassle-free Claim Settlement:The plan offers smooth claim experience as there is no involvement of any third-party administrator. Star health insurance’s in-house claim team settles claims directly.
  • Cashless Hospitalization:The plan offers cashless hospitalization at network authorized hospitals.
  • Wide Network: The plan offers a wide network of 8400 plus hospitals all over India.
  • Out-Patient Consultations: The plan reimburses Rs 200 per consultation if outpatient consultations made at one of the network hospitals of the insurer.
  • Health Check-up: The plan covers the cost of health check-up for every claim-free year, only if the check-up is done at a network hospital.
  • Free-Look Period:The plan offers a 15-day free-look period during which the policy can be cancelled without any cancellation charges.
  • Tax Benefit: The plan allows the insured to avail tax benefit under Section 80D of the Income Tax Act.

Exclusions:

Senior Citizen Red Carpet plan by Star Health Insurance does not cover the following medical treatment expenses:

  • Waiting period of first 30 days for all illnesses
  • A waiting period of 2 years for certain specific diseases including cataract, thyroid-related diseases, joint replacement surgery, hernia, reproductive treatment procedures, prostates, varicose veins, congenital internal diseases and any transplant surgery
  • A one-year waiting period for pre-existing diseases
  • Circumcision and related procedures
  • Inoculation or vaccination (except for medical treatment or for post-bite treatment)
  • Congenital external anomalies or defects
  • Dental treatment or surgeries, Lasik laser surgery
  • Convalescence
  • Psychiatric, behavioural or mental disorders, Intentional self-inflicted injury
  • Use of intoxicants, including smoking, drugs and alcohol
  • Sexually transmitted diseases & venereal diseases, HIV AIDS & related diseases
  • War, war-like situation or act of foreign enemy
  • Pregnancy, childbirth and related procedures, treatment for subfertility and assisted conception
  • Treatment for obesity and bariatric surgery
  • Medical or surgical treatment for sleep apnea
  • Cost of High-Intensity Focussed Ultrasound, deep brain stimulation, fibroid embolisation, VAX-D, balloon sinoplasty and related procedures
  • Inconsistent diagnostic procedures and unjustified hospitalization
  • Untested, experimental, unconventional or unproven treatment
  • Stem cell therapy, procedures relating to Platelet Rich Plasma procedures and chondrocyte implantation
  • Oral chemotherapy
  • Cosmetic, aesthetic treatment, plastic surgery
  • Cost of contact lenses and spectacles, cost of tonics and vitamins
  • Ancilliary hospital charges

Premium Details

Here are the premium details of Red Carpet Health Insurance plan:

Sum Insured

Premium Excluding Tax

Premium Including Tax @ 18%

Rs. 1 Lakh

Rs. 4,450

Rs. 5,251

Rs. 2 Lakh

Rs. 8,456

Rs. 9,978

Rs. 3 Lakh

Rs. 12,900

Rs. 15,222

Rs. 4 Lakh

Rs. 15,501

Rs. 18,291

Rs. 5 Lakh

Rs. 18,000

Rs. 21,240

Rs. 7.5 Lakh

Rs. 21,000

Rs. 24,780

Rs. 10 Lakh

Rs. 22,500

Rs. 26,550

Royal Sundaram Lifeline Supreme Plan

Lifeline Supreme plan by Royal Sundaram offers comprehensive health insurance coverage to individuals as well as families. It provides coverage for hospitalization, daycare procedures, domiciliary hospitalization as well as AYUSH treatments to the insured. This health insurance plan also covers medical expenses incurred on vaccinations for an animal bite, annual health check-up, second opinion on 11 critical illnesses and emergency domestic evacuation.

Cover Variants

This plan offers adequate health insurance coverage along with add-on health benefits for the treatment of severe illnesses and conditions as well as critical illnesses (if opted). Lifeline Supreme comes with various insured sum options of Rs. 5 lakh, 10 lakh, 15 lakh, 20 lakh and 50 lakh.

Benefits and Features

Here are the benefits and features of Royal Sundaram Lifeline Supreme plan:

  • In-patient Hospitalization Charges:The plan covers in-patient hospitalization charges up to the amount insured.
  • Pre-Hospitalization & Post-Hospitalization Charges:The plan provides reimbursement of pre-hospitalization charges for 60 days and post-hospitalization charges for 90 days for incurred medical treatment expenses for a covered illness or injury.
  • Day Care Procedures:The plan covers all the day-care procedures up to the amount insured.
  • Ambulance Expenses:This plan covers ambulance expenses to the nearest hospital up to Rs. 5,000.
  • Organ Transplant Cover:The plan covers organ donor expenses for harvesting organ up to the sum insured.
  • Domiciliary Treatment:The plan covers incurred domiciliary hospitalization charges up to the insured sum.
  • No Claim Bonus:Upon renewal, the plan offers a No Claim Bonus ranging from 20 per cent up to 100 per cent of the sum assured. Even if a claim is lodged, the NCB is retained.
  • Sum Insured Re-Load:The plan re-loads the amount insured up to 100 per cent if the sum insured is completely exhausted.
  • AYUSH Treatments:This plan offers in-patient coverage for alternative treatment for Ayurveda, Unani, Siddha, & Homeopathy up to Rs. 30,000.
  • Animal Bite Vaccination:This plan covers incurred expenses up to Rs. 5,000 for vaccinations/immunizations for an animal bite.
  • Yearly Health Check-up Benefit:The plan offers yearly health check-ups for covered family members over 18 years of age regardless of whether a claim is filed or not.
  • Second Opinion Benefit:The plan covers expenses incurred in getting a second opinion on the diagnosis & treatment of 11 specified critical illnesses, once per policy year.
  • Emergency Domestic Evacuation Expenses:The plan covers emergency evacuation across India up to Rs. 1 lakh.
  • Hospital Cash: The plan provides hospital cash of Rs 2000 per day up to 30 days if the insured is hospitalized for more than 2 days. However, this cover can be obtained on payment of an extra premium amount.

Time-Based Exclusions

As per Lifeline Supreme health insurance plan, mentioned below are some policy duration-based exclusions:

  • Pre-existing Illnesses-Pre-existing illnesses and medical conditions mentioned in the policy document will not be covered up to 36 months of continuous insurance coverage. In case the policy lapses, no claim will be settled.
  • Waiting Period-Any illnesses or diseases contracted by the insured within the first 30 days after buying the plan will not be covered.
  • Critical Illnesses-Critical illnesses contracted by the insured within the first 90 days of buying the plan.
  • Particular Diseases-Diseases such as benign prostatic hypertrophy, cataract, hip or knee replacement, chronic renal failure or end-stage renal failure etc., won’t be covered for the first two years after buying the plan.

Exclusions

As per Lifeline Supreme health insurance plan, insurance coverage ceases to exist for the following expenses/treatment.

  • Treatment expenses due to participation in adventure or hazardous Sports activities.
  • Treatment expenses related to puberty and ageing.
  • Expenses related to artificial life maintenance.
  • Incurred expenses for medical papers or documents.
  • Treatment expenses related to circumcision.
  • Incurred expenses due to conflicts & disasters.
  • Treatment expenses due to congenital conditions.
  • Expenses related to convalescence and rehabilitation.
  • Treatment expenses related to cosmetic surgery.
  • Expenses related to dental and oral treatment.
  • Expenses related to drugs
  • Dressing for OPD treatment.
  • Expenses related to eyesight treatment.
  • Expenses related to health spas.
  • Expenses related to nature cure treatment.
  • Treatment expenses related to wellness clinics.
  • Treatment expenses related to HIV & AIDS.
  • Treatment expenses related to hereditary conditions.
  • Expenses related to hospitalization for investigative or observational purpose.
  • Expenses related to Items of personal convenience and comfort.
  • Treatment expenses related to psychosomatic and psychiatric conditions.
  • Treatment expenses related to obesity.
  • Expenses related to OPD Treatment.
  • Treatment expenses related to preventive care & reproductive medicine.
  • Treatment expenses related to self-inflicted injuries.
  • Treatment expenses related to sexual problems, dysfunctions, and gender-related problems.
  • Treatment expenses related to sexually transmitted diseases and infections such as HIV AIDS.
  • Treatment expenses related to sleep disorders and speech disorders.
  • Stem cell implantation
  • Expenses related to the treatment of alopecia
  • Expenses related to the treatment of developmental problems.
  • Expenses related to the treatment received outside the geographical boundaries of India.
  • Treatment expenses related to experimental or unproven treatment.
  • Expenses related to the treatment by an unrecognized physician at an unrecognized hospital.
  • Expenses related to the unrelated diagnosis.
  • Treatment expenses for any injury due to participation in any unlawful activity.

Aditya Birla Activ Assure Diamond Plan

Aditya Birla Activ Assure Diamond plan is the best health insurance plan for people seeking comprehensive coverage with a higher sum insured. It covers medical hospitalization expenses as well as second e-opinion on critical illness and domestic/ international emergency assistance services. This health insurance policy also offers optional cover of cancer hospitalization booster, any room upgrade and reduction of pre-existing diseases waiting period.

Features and Benefits

Here are features and benefits of Aditya Birla Activ Assure Diamond plan:

  • Sum Insured Reload Benefit:The plan offers a sum insured reload in case the sum insured and No Claim Bonus / Super No Claim Bonus (if applicable) is exhausted/ insufficient due to claims filed earlier. As per this cover, an insured gets up to 150 per cent additional sum insured (50 Lakhs at highest) for hospitalization due to an unrelated illness.
  • Daily Cash Benefit:For each day the insured is hospitalized, he/she is entitled to an extra benefit of Rs. 500 as a daily-cash benefit. This benefit is applicable for sum insured up to Rs. 4 lakh and will be payable for up to 5 days only.
  • Vaccination Benefit:The plan covers vaccination charges for insured individuals up to 18 years old as per the opted coverage. This cover is specifically available for sum insured of Rs. 1 Crore or more.
  • Medical Check-up Program:The plan offers free routine health check-up to all insured once per policy year. It is customized as per the insured’s age and opted sum insured.
  • Donor Organ Transplant Expenses:The plan covers donor expenses up as per the opted sum insured for harvesting organ for transplantation.
  • Domiciliary Hospitalization:The plan covers incurred expenses for domiciliary hospitalization underwent at home due to the health condition of the insured or due to a lack of available bed in the hospital for covered treatment/diseases.
  • Day Care Procedures:The plan covers 586 day-care procedures such as dialysis where 24-hour hospitalization is not required.
  • Hospitalization Expenses:The plan covers room rent, boarding expenses, medical consultants’ fees, specialist fees, oxygen charges, nursing expenses, surgeon fees, anaesthetist fees, medical practitioner fees, operation theatre charges, diagnostics fees, medical imaging modalities expenses, medicines & drugs fees, blood charges, pacemaker charges.
  • Emergency Ambulance Expenses:The plan covers emergency ambulance expenses for transportation to the nearest hospital.
  • Pre-Hospitalization and Post-Hospitalization Coverage:The plan offers pre-hospitalization cover for 30 days which may include the doctor’s fee, diagnostic tests, physiotherapy, medicines, drugs & other consumables and post-hospitalization expenses up to 60 days. Post-hospitalization coverage is extended to domiciliary hospitalization/ In-patient hospitalization/ day-care treatment.
  • AYUSH Treatment (In-patient):The plan covers Ayurveda, Unani, Siddha, & Homeopathy treatment up to the pre-decided limits.
  • Second Opinion for Critical illness:The plan covers a second opinion from a doctor of a network-listed hospital for a major critical illness such as cancer, heart attack, kidney failure.
  • Domestic and International Emergency Medical Evacuation:The plan covers expenses incurred while transporting the insured from one hospital to the other as per the opted sum assured. It also covers the cost of air ambulance services if applicable.
  • Health Coach Benefit:The plan provides covers personalized coaching by a health professional who will guide the insured person in case he/she is suffering from hypertension, hyperlipidemia, asthma, diabetes mellitus etc.
  • Decrease in Pre-Existing Diseases Waiting Period:This optional cover reduces the waiting period of pre-existing diseases from 2 years to 1 year for claims related to pre-existing illnesses.
  • No Claim Bonus:The plan offers a bonus ranging from 10 per cent to 50 per cent sum assured after a claim-free year at the time of renewal 
  • Unlimited Sum Insured Reload:This option cover reinstates the sum insured amount unlimited number of times in case the base sum insured is exhausted due to earlier claims.
  • Super NCB:This cover increases the sum insured by 50 per cent upon renewal for every claim-free year. Super NCB acts as an add-on to your No Claim Bonus.
  • Accidental Hospitalization Booster: In case of hospitalization due to a road mishap, this add-on cover provides additional amount insured equal to the amount insured for in-patient hospitalization.
  • Cancer Hospitalization Booster:In case of hospitalization of insured more than 18 years of age due to cancer, this optional cover provides an additional amount, equal to the sum insured, for in-patient hospitalization.
  • Any room upgrade:This optional cover offers the much-needed liberty for deciding the preferred accommodation. This cover can be availed by the insured having a sum insured of Rs. 5 lakh or more.

Exclusions:

The Aditya Birla Activ Assure Diamond plan excludes the following treatment expenses:

  • First 30 day waiting period for all treatment and illness
  • A 2-year waiting period for specific illnesses/ treatments including cataract, glaucoma, sinusitis, all cysts/ fibroids related reproductive surgeries, joint replacement surgery, gall bladder stone, urinary stones, hernia, skin tumours, varicose veins and internal congenital anomaly
  • A 4-year waiting period for genetic disorders
  • Injuries due to war or act of war, breach of the law, nuclear activity or explosion
  • Intentional exposure to danger such as for adventure sports, military operations, self-injury, etc.
  • Use or abuse of hallucinogenic or intoxicating substances
  • Treatment to control weight, correct eyesight, cosmetic surgeries and baldness
  • Non-allopathic treatment expenses
  • Routine health checkups, organ donor screening expenses
  • Unjustified hospitalization, investigational/ experimental/ unproven treatment, irrelevant diagnostic procedures
  • Parkinson disease, HIV AIDS, venereal diseases
  • Cost of medical equipments like contact lenses, spectacles, hearing aids,
  • Dental treatment including cost of dentures, implants, etc.
  • Convalescence and rehabilitation, behavioural disorders
  • Stem cell therapy, pregnancy and childbirth-related procedures, sterility or infertility
  • Bariatric surgeries, robotic surgeries
  • Medical treatment taken outside India

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How to Choose Best Health Insurance Plan?

Choosing the right health insurance plan is imperative to fulfil your insurance needs. As the health insurance market is flooded with plenty of insurance plans, it can be confusing for anyone to choose the best health insurance plan in India. But with insurance calculator, you can easily compare the various health insurance plans offered by different insurance companies online. It compares the plans on several parameters such as coverage, features, benefits, incurred claim ratio, premium rates, etc. It can also help you upgrade your health insurance policy in case you are not happy with your existing one. Thus, you can use the online insurance calculator to find a health insurance plan that best suits your requirements.

Conclusion

When it comes to health insurance, the decision to zero on one policy is not a child’s play. With so many insurance companies in the market, buying the best health insurance policy requires you to put in great efforts. At PolicyBazaar, we strive to help you make a well-informed decision by picking the most suitable plan from amongst the 10 best health insurance plans in India. We hope you will be able to take your best pick. Do let us know your experience!

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