Sehwag PX
Best Health Insurance Plans 2019
  • Health Plans From Top Brands
  • Quick Claim Settlement
  • Health Plans at Affordable Premium
  • Tax Saving Benefit
  • 25+ companies to choose from

#Virukipolicy | T&C*

Best Health Insurance Plans In India

Keeping in mind the rising medical costs and a spurt of lifestyle diseases amongst Indians, health insurance is necessary for every individual. A medical emergency is something that impacts not only physically, emotionally but financially as well. In fact, I will say that the physical impact of medical emergency can only be dealt with being financially secure. So, it is financially advised worldwide that it is prudent if you to buy a health plan early in life. Here are the top reasons to convince you to make the purchase a health before turning 30.

The early, the best:

Buying a premium as early as possible is the best thing which results in a good deal along with the lowest possible premium. For example, a plan with Rs 5 lakh coverage will cost nearly 8,000 at the age of 45, Rs 6,000 at the age of 35 and Rs 5,000 at the age of 25.

Because every company doesn’t have employee cover, and even if it is, it’s just not sufficient:

he need of health insurance cannot be overstated if we talk about an exponential increase in health costs. For being sure on it you can look at the cost of a week’s hospitalisation for any regular illness and compare it with the coverage your company gives on it. Now think about the time when you’ll get older and might need more frequent medical attention.

The lifestyle these days comes with an increase in the incidence of illness:

The lifestyle of today’s youth carry comes with heart, cancer, lungs, and stroke issues. You have to agree that you don’t need to be 60 to get caught with these diseases. The fact is the unhealthy lifestyle we are going with, results in early age diseases.

Free annual health checkup:

The best insurance policies come with annual health checkups, screenings, vaccination as well as counselling. These benefits cut your expenditure on regular checkups.

Health insurance is more than just hospitalization:

The best plan covers your daycare procedure, not only serious hospitalization. Amazingly, vector-borne diseases are also covered by it. And the most beneficial thing is the plans include maternity benefits too, which is important at this stage of your life. Additionally, your newborn will also be covered from the moment is/she is born…an additional premium.

How To Choose The Best Health Insurance Plans in India

A successful person is always the one who is well planned for his future, health insurance gives a strengthening hand to your financial management.

Health insurance is the most complicated insurance product as it comes with so many variations because of offering all additional benefits. The market of insurance sector is challenging as well as competitive. Comparing is the best policy when you talk about insurance sector. You should compare the best policies in India, so that you can buy the best one for you and your loved ones, the ones who are dependent on you.

We have to agree that as health insurance policy is most important to buy, it is even more important to buy the best available policy in the market. It not only provides the most expensive health care cost but also promises a healthy future without worrying about hospital expenses and medical bills to the policy holder and his family.

Giving you a healthy relief from the confusion happens because of so many existing health insurance policies in the market, have picked up in details about the best health insurance policies of India, which stand superior on parameters such as eligibility, features, coverage, affordability, limits and exclusions.

In order for you to pick out the best health insurance policy in India, we have chosen 10 policies since they stand superior on certain parameters, such as eligibility, uniqueness of features, coverage, affordability, limits and exclusions. Here we have a list of plans with their respective benefits according to IRDA rankings:

  • Apollo Munich Optima Restore
  • Religare NCB Super Premium
  • Star Family Health Optima
  • Max Bupa Health Companion Individual
  • Cigna TTK Prohealth Plus
  • HDFC ERGO Health Suraksha Gold Regain
  • Royal Sundaram Lifeline Supreme
  • Aditya Birla Active Assure Diamond
  • Senior Citizen Red Carpet Health Insurance Policy
  • Universal Sompo Health Insurance

Top 10 Health Insurance Plans in India

Plan Name Entry age Sum Assured Policy Renewability Feature
Apollo Munich Optima Restore Min-91day
Max-65 years
Rs 3 L – Rs 50 L Lifelong
  • Restore Benefit
  • Stay Active Benefit
  • Multiplier Benefit
  • E-opinion
  • Additional Cover for Critical Illness
Religare NCB Super Premium Min- 91 days
Max- No age bar
  • Automatic Recharge of Sum Insured
  • Lifelong Renewability
  • No Claim Bonus Super
  • Everyday Care Benefit
  • Domestic Air
Star Family Health Optima Min 16 days Rs 2 L, Rs 3 L, Rs 4 L, Rs 5 L, Rs 10 L, and Rs 15
  • Auto Recharge Benefit
  • Compassionate Travel
  • Repatriation of Mortal Remains
  • Road Traffic Accident Cover
  • Restoration of amount assured
Max Bupa Health Companion Individual Min - 90 days
Max - Age no bar
For Variant 1 - Rs 1 L, Rs 2 L, Rs 3 L, Rs 4 L, Rs 5 L and Rs 10 L
For Variant 2 - Rs 5 L Rs 7.5 L, Rs 10 L and Rs 12.5 L
For Variant 3- Rs 15 L, Rs 20 L, Rs 30 L, Rs 50 L and Rs 1 Cr
  • Refill Benefit
  • Animal Bite Vaccination
  • Direct Claim Settlement
  • Long-Term Policy Benefit
  • Hospital Cash Benefit
Cigna TTK Prohealth Plus Min- 91 days
Max- No limit
Rs 4.5 L, Rs 5.5 L, Rs 7.5 L and Rs 10 L Lifetime
  • Enhanced Sum Insured
  • Restoration Benefit
  • Health Maintenance Benefit
  • Critical Illness Expert Opinion
  • Maternity Expenses
HDFC ERGO Health Suraksha Gold Regain No limit R. 3 L, Rs 4 L, Rs 5 L, Rs 7.5 L and Rs 10 L Lifetime
  • Zero Sub-limits
  • Maternity Benefit
  • Regain Benefit
  • Cumulative Bonus
  • Coverage Basis
Royal Sundaram Lifeline Supreme For Children
Min- 90 days
Max- 25 Years
For Adults
Min- 18 Years
Maximum- No bar
Rs 5 L, Rs 10 L, Rs 15 L, Rs 20 L and Rs 50 L Lifetime
  • Sum Insured Re-Load
  • Second Opinion Benefit
  • Emergency Domestic Evacuation Expenses
  • Pre-Hospitalization and Post-Hospitalization Charges
  • Organ Transplant Cover
Aditya Birla Diamond
  • Cancer Hospitalization Booster
  • Any room upgrade
  • Sum Insured Reload Benefit
  • Pre-Hospitalization and Post-Hospitalization Coverage
  • Unlimited sum Insured Reload
Star Senior Citizen Red Carpet Min-60
Rs 7.5 L and Rs 10 L Lifetime
  • No Medical Screening
  • Pre-existing Illness Cover
  • Medical Consultation Cover
  • Sub-limits
  • Hassle-free Claim Settlement
Universal Sompo Privilege Min- 90 days
Max-55 years
Basic Plan –Rs 1 L – Rs 2 L
Essential Plan- Rs 3 L to Rs 5 L
Privilege Plan-Rs 6 L to Rs 10 L
  • No Medical Screening
  • Specialist Consultation
  • Convalescence Benefit
  • Mother & Child Care Benefit
  • Restore Benefit

1. Apollo Munich Optima Restore

ApolloMunich brings you an innovative health insurance to cover your loved ones under one plan. Optima Restore family floater plan is designed specially to cover your family which includes your spouse and dependent children, parents, parents-in-law.

The plan includes unique benefits such as Restore, Multiplier and Stay Active.

With Restore benefit even if anyone in your family uses the sum insured partially or fully we will instantly add 100% of the sum insured to your policy, which would be available to everyone covered under the plan.

Restore benefit features:-

  • It is applicable only once during a policy year and is not carried forward to the next year.
  • Single claim size cannot exceed the sum of base sum insured & multiplier benefit(if any)

In addition the policy also comes with a Multiplier benefit, which rewards you with 100% increase in your sum insured after 2 claim free years.

The Stay Active benefit rewards customers who lead an active lifestyle, the benefit allows a customer to enjoy premium discounts simply by walking.

Buy our best-selling Optima Restore health insurance plan online to secure the future of your family right away.


  • 30 days waiting period
  • Pre-existing illnesses for 3 year waiting period.
  • Disease-specific waiting period for 2 year waiting period..
  • Drugs induced illnesses or injuries
  • War
  • Incurred expense during pregnancy
  • Dental treatment expenses
  • External aids
  • Personal comfort goods
  • Unauthorized treatment

2. Religare NCB Super Premium

NCB Super Premium by offers an enhanced sum insured along with the comprehensive insurance coverage. The plan offers NCB benefits too. Here are the details of this plan.

Features and Benefits

  • Pre-hospitalization and post-hospitalization coverage
  • Ambulance cover
  • In-patient hospitalization: In case of in-patient hospitalization for a minimum time period of 24 hours, the plan covers incurred room rent, nursing expenses, intensive care unit expenses, doctor's fee, surgeon's fee, anaesthesia charges, blood charges, oxygen charges, operation theatre expenses, etc.
  • Daycare treatment: The plan covers incurred medical expenses for 540 plus covered day-care procedures if the insured undergoes a covered day-care treatment that doesn’t need hospitalization for a time period more than 24 hours.
  • Room rent
  • ICU charges
  • Health check-up
  • Organ donor cover: The plan covers reimbursement for incurred medical expenses for harvesting an organ for an organ transplant of the insured.
  • Reassurance of a Second Opinion: The plan offers a second opinion in case the insured has any doubts regarding the diagnosis.
  • Lifelong renewability
  • Unlimited automatic recharge: This add-on optional cover offers automatic recharge of the sum assured in case it is exhausted.
  • Domestic Air-Ambulance Cover
  • Personal Accident Coverage
  • International Second Opinion


  • Waiting period of 30 days of policy commencement.
  • Self-inflicted injury (suicide, attempted suicide)
  • Usage of intoxicant
  • AIDS
  • Pregnancy(abortion, miscarriage, and related consequences)
  • Congenital disease
  • IVF Treatment
  • War

3. Star Family Health Optima

Family Health Optima by Star offers insurance plans on a family floater base. It offers numerous insurance benefits along with affordable premium.


  • Single policy, wider coverage for the whole family along with affordable premium.
  • Get extra sum insured at no extra cost,
  • Health Checkup benefit for every claim free year
  • 3 times Automatic restoration of Sum insured by 100% each time upon complete exhaustion
  • Cover for Assisted Reproductive Treatment
  • New-born baby cover from 16th day
  • Donor expenses for organ transplantation
  • Domiciliary Hospitalization Expenses for treatment exceeding 3 days
  • Cover for all day care procedures
  • A grace period of 120 days from the date of expiry of the policy is available for renewal
  • Hospitalization expenses
  • Emergency ambulance charges
  • Air ambulance expenses
  • Pre-hospitalization and post-hospitalization charges
  • Domiciliary hospitalization exceeding 3 consecutive days
  • Organ donor expenses
  • Health check-up
  • New born baby cover
  • Compassionate travel expenses up to Rs.5, 000
  • AYUSH treatment (Ayurveda, Unani, Siddha, & Homeopathy treatment)
  • Second medical opinion

4. Max Bupa Health Companion Individual

Health Companion by Max Bupa is one of the most preferable and affordable health insurance plan formulated especially for individuals and nuclear families. Here are the details:

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

  • In-patient hospitalization
  • Pre- hospitalization and post-hospitalization charges
  • 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: 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.
  • Emergency ambulance expenses: This plan covers emergency ambulance expenses up to Rs 3,000.
  • Organ transplant cover
  • Animal bite vaccination
  • 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 up to 30 days.
  • Tax benefit
  • Lifetime renewal benefits
  • Cashless facility: The plans offer cashless facility at the network-listed hospitals.

5. Cigna TTK Prohealth Plus

Prohealth Plus by Cigna TTK offers comprehensive insurance coverage at an affordable premium. The plan fulfils various insurance needs of different health insurance buyers. Here are the details of the plan:

Features and Benefits

  • Enhanced sum insured
  • Hospitalization expenses
  • Renewal benefit: The plan offers lifetime renewal option.
  • Long-term policy period
  • Pre–hospitalization and post–hospitalization charges
  • Day-care cover
  • Domiciliary treatment
  • Emergency ambulance cover
  • Donor expenses
  • Worldwide emergency coverage
  • Health maintenance cover
  • Maternity expenses
  • First year vaccinations: The plan covers first-year vaccinations expenses of the newborn baby (if applicable).
  • Medical check-up
  • Critical illness expert opinion
  • Waiver of senior citizen mandatory co-payment: The plan comes with an alternative to eradicate mandatory co-payment applicable to an insured person aged 65 years and above by paying additional premium.
  • Tax benefit
  • Easy cancellation
  • Additional discounts


  • Maternity coverage
  • First year vaccination of the newborn
  • Waiting period or 30 days
  • Survival Period- During the first 90 days from the commencement of policy, no critical illness-related claims can be filed.
  • 2 Years waiting period-
  • Genetic disorders
  • Mental disorders
  • Drug abuse or suicide
  • Child birth/ pregnancy
  • Pre-existing illnesses
  • Tax benefit

6. HDFC ERGO Health Suraksha Gold Regain

Health Suraksha Gold is the latest plan by HDFC ERGO that offers comprehensive health insurance coverage. Additionally, the plan offers enhanced cumulative bonus for every claim-free year from a minimum of 10 percent up to 100 percent of the amount insured upon renewal.

Features and Benefits

  • Comprehensive coverage
  • Wide hospital network
  • No entry age restriction
  • Tax benefits
  • Minimal paperwork and hassle-free claims
  • In-patient treatment expenses
  • Pre-hospitalization and post-hospitalization charges
  • AYUSH treatments: this plan offers treatment coverage for ayurveda, unani, siddha, & homeopathy as per the sum insured.
  • Maternity benefit
  • Domiciliary treatment expenses
  • Organ donation expenses: this plan covers incurred medical expenses for organ harvesting for transplant.
  • Additional discounts


  • 30 days waiting period
  • 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
  • HIV/AIDS treatment
  • Specific diseases
  • Drugs abuse
  • War

7. Royal Sundaram Lifeline Supreme

Lifeline Supreme, by Royal Sundaram, offers comprehensive health insurance coverage, which includes annual health check-up, health and wellness benefits, a second opinion in case of critical illness etc. This plan is offered on an individual basis as well as a family floater plan for self, spouse and dependent children to anyone above 18 years of age.

Features and Benefits

  • In-patient hospitalization charges:
  • Pre-hospitalization & post-hospitalization charges
  • Day-care procedures
  • Ambulance expenses up to rs. 5,000.
  • Organ transplant cover
  • Domiciliary treatment
  • No claim bonus
  • AYUSH treatments: This plan offers in-patient coverage for alternative treatment for Ayurveda, Unani, Siddha, & Homeopathy up to Rs. 30,000.
  • Animal Bite Vaccination
  • Yearly health check-up benefit
  • Second opinion benefit
  • Emergency domestic evacuation expenses across India up to Rs 1 lakh


  • Treatment expenses due to participation in adventure or hazardous Sports activities.
  • Alternative treatment expenses excluding AYUSH.
  • Treatment expenses due to congenital conditions, HIV AIDS, cosmetic surgery, convalescence and rehabilitation, dental and oral treatment, drugs, hereditary conditions, conflicts & disasters, etc.
  • Expenses related to hospitalization for investigative or observational purpose.
  • Treatment expenses related to self-inflicted Injuries.
  • Treatment expenses related to sexual problems, dysfunctions, and gender-related problems.

8. Aditya Birla Active Assure Diamond

Active Assure Diamond by Aditya Birla offers comprehensive health insurance coverage. The plan offers comprehensive health insurance coverage.

Features and Benefits

  • Sum insured reload benefit: The plan offers 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 percent additional sum insured (50 Lakhs at highest) for hospitalization due to an unrelated illness.
  • Daily cash benefit
  • Vaccination benefit
  • Annual medical check-up program
  • Donor organ transplant expenses
  • Day care procedures: the plan covers 586 day-care procedures such as dialysis.
  • Hospitalization expenses
  • Emergency ambulance expenses:
  • Pre-hospitalization and post-hospitalization coverage up to 180 days.
  • AYUSH treatment
  • Second opinion for critical illness
  • Domestic and international emergency medical evacuation
  • 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
  • Accidental hospitalization booster: optionally, in case of hospitalization due to a road mishap, this cover provides additional amount insured equal to the amount insured for in-patient hospitalization.
  • Cancer hospitalization booster
  • Any room upgrade

9. Senior Citizens Red Carpet Health Insurance Policy

Senior citizens visit hospitals more frequently due to age-related diseases. Red Carpet health insurance plan is especially for the needs of senior citizens in mind. The plan offers comprehensive insurance coverage.

Features and Benefits

  • Coverage: The plan caters to the senior citizens aged between 60 – 75 years.
  • No medical screening.
  • Pre-existing illness cover
  • Medical consultation cover
  • Enhanced sum insured
  • Lifelong renewals
  • Discounts
  • Hospitalization coverage
  • Emergency ambulance cover
  • Post-hospitalization expenses
  • Day care procedures
  • Hassle-free claim settlement
  • Wide network

10. Universal Sompo Health Insurance

This health insurance plan offers a range of sum insured options. For individual health plans, it offers sum assured ranging from Rs. 1 Lakh to 10 Lakh. In a family floater plan, it offers sum assured of Rs. 1 Lakh to 10 Lakh.

Plan Options

  • Basic plan- It offers sum insured from Rs. 1 Lakh to Rs. 2 Lakh.
  • Essential plan- It offers sum insured from Rs. 3 Lakh to Rs. 5 Lakh.
  • Privilege plan- It offers sum insured from Rs. 6 Lakh to Rs. 10 Lakh.

Features and Benefits

  • Speedy policy issuance
  • No medical screening
  • Entry age: the plan offers insurance coverage for 3-month-old babies to 55 years old adults.
  • Cashless facility
  • Fast and hassle-free claims process
  • Daycare procedures expenses up to 141 procedures
  • Pre-hospitalization and post-hospitalization expenses up to 90 days.
  • Domiciliary treatment
  • Organ donor expenses
  • Ambulance expenses
  • Dental treatment in case of accident
  • AYUSH benefit
  • Daily cash benefit.
  • Vaccination benefit
  • Mother and child care benefit for 2 deliveries
  • Pregnancy cover
  • Pre & post-natal expenses
  • Newborn care
  • HIV/ AIDS cover
  • Dial-a-doctor: this plan covers expenses incurred in availing medical advice from a doctor over the telephone or online.
  • Health educational library for people (help): this plan provides access to universal sompo’s library for people and online medical experts for availing various features such as live chat, ask-an-expert, & online health videos and guides.
  • Second opinion once a year
  • Wellness package: this plan offers vouchers for availing certain health services/ products.


  • 365 days waiting period
  • Specific Waiting Period- Diseases listed below will be covered after one year of waiting period


  • Non-infective Arthritis
  • Cataract
  • Calculus diseases related to a urogenital system and gallbladder
  • Fissure/fistula in the anus
  • Pilonidal Sinus
  • Haemorrhoids
  • Gout and rheumatism
  • Gastric & duodenal ulcers
  • Internal tumours
  • Nodules
  • Cysts
  • Polyps
  • Breast lumps
  • Age-related osteoarthritis and osteoporosis
  • Sinusitis and related diseases
  • Polycystic ovarian diseases
  • Skin tumours

Benefits Of The Best Health Insurance Plans 2019

According to many people insurance covers expenses only in the case of hospitalisation, but it’s not true. Apart from providing financial assistance during hospitalisation, the best medical insurance plans in India come with other benefits as well, such as:

  • Cashless treatment:
    You can go for cashless treatment at any network hospital. Well, it’s a big relief that you don’t need to pay out of your pocket. The insured just needs to complete the paperwork at the hospital and enjoys the facility, as the insurance company will take care of the bill.
  • Daily Allowance:
    Few insurers offer a daily amount for each day of hospitalisation. However, this doesn’t affect the actual sum assured. This amount can be availed up to a certain daily limit. Also, it can be spent on medicines or other health-related requirements.
  • Tax saving:
    According to section 80(d) of the Income Tax Act 1961, the insured can claim for tax deduction against the premium paid for health insurance. An individual can claim a deduction of up to Rs. 25,000 on health insurance premium. If one is paying the insurance premium for his/her elderly parents, then a deduction up to Rs. 30,000 is permissible.
  • Life-threatening illnesses covered:
    A health insurance plan with critical illness cover pays a lump sum amount towards the expenses incurred in the treatment after the diagnosis. Also, it comes as a rider cover; one can cover critical illnesses under his/her health plan on the payment of an extra premium.
  • Allied benefits:
    Some health insurers in India have come up with preventive check-ups and enhanced diagnostics, which usually are not included in a basic health insurance plan which includes:
    1. Free medical check-ups
    2. Free health consultation with doctors
    3. Consultation with nutritionists
    4. Tie-up with health service providers
    5. Lucrative offers on healthcare services.

Types Of Health Insurance Policy In India

Here’s a list of types of health insurance policies available in India:

  • Individual health insurance:
    The individual insurance policy is for those who don’t have any people dependent on him/her. Such people can gift themselves the best health insurance policy that covers their current and potential healthcare needs.
  • Family floater health Insurance
    A family floater health insurance policy is for those who are married and have a spouse and dependent kid(s) to take care of. This health insurance policy covers your whole family under a single umbrella of coverage.
  • Senior citizen health insurance
    A senior citizen health insurance policy is highly recommended for people above 60 years of age since they’re more prone to diseases followed by hospitalization inviting unnecessary medical expense.
  • Critical illness insurance
    Critical illness insurance diagnosed with a critical illness specified in the policy documents, the insurer will pay a lump sum to you, irrespective of whether or not you’ve availed the treatment. Some critical illnesses covered by such policies are a heart attack, cancer of a specific type, etc.
  • Personal accident insurance
    The insurer pays a lump sum to the policy holder, if he/she suffered accidental injuries that led to total or partial permanent disability. Personal accident insurance is available as a rider, which can be included with one’s existing health insurance policy.
  • Maternity cover plan
    Maternity cover plan is a must if you are planning to have a baby, then looking for maternity cover is a must for you, as the policy covers all the expenses during pregnancy and for the newborn to a certain limit of time as well.
  • Hospital cash plans
    Hospital cash plans cover non-medical expenses incurred during hospitalization. Make sure that when you purchase a health insurance policy, make sure to opt for hospital cash benefit to avail of coverage for all such expenses, subject to a limit.
  • Group health insurance
    The group health insurance plans is generally provided by employers to their employees which includes loyalty bonus or incentives without a pre-policy medical check-up. Employees can avail the cashless treatment at the network hospitals or get a reimbursement for the out-of-pocket medical expenses subject to the policy terms and conditions.

Things To Remember While Buying The Best Health Insurance Policy

  • Know your health needs:
    To analyze your health issues and needs is the most important thing when you buy a health insurance policy. A roundup on how many members have to be covered, the number of adults and kids in the family, if there is any hereditary health issues, etc. will give at least a rough idea of the required sum assured.
  • Assured sum:
    Sum assured is very important to decide, as it is the amount of monetary cover offered under a policy. At the time of health claim settlement, the insurance company reimburses the incurred expenses up to this sum assured. Hence, it is very important to decide this amount carefully.
  • Types of a covered illness
    The best covers it all! Be wise to choose your health insurance plan as it should cover critical illnesses along with the ones that need special attention and are expensive to treat. As most health insurers don’t offer coverage for these illnesses with their basic plans, you can opt for a critical illness rider.
  • List of network hospital:
    Network hospitals are those which have a tie-up with the health insurance companies. Every insurance company has network hospitals in which policy holders can avail the benefit of their health insurance policy. It is necessary that the network list includes at least a few hospitals that are in your vicinity. It will help you easily access them in an emergency.
  • Maximum sum-limits:
    The more the better! Sub-limit plans by health insurance companies are applicable to room rent or medical expenses. One should consider buying the one that offers maximum sum-limits on special expenses.
  • Minimum waiting period:
    Less is more! The insured has to serve a pre-defined waiting period to cover pre-existing illness. This means any claim due to a pre-existing disease will not be entertained by the insurer within this period. In most cases, the waiting period ranges from 2 to 3 years. Reading the policy terms & conditions carefully and going for the plan that comes with a minimum waiting period is always recommended by the experts.


In a nutshell, when we talk about health insurance plans in India, there is a wide range of available offers in the insurance sector. Choosing and buying the best insurance policy is always just a little effort away from the policyholder. A little effort of researching and surveying the market will lead you to have the best financial investment in a health insurance policy with the maximum benefits. So, these were the 10 best health insurance plans 2019 in the market we came up with to help you a little bit so that you can choose wisely according to your living conditions.

Insurance Calculator