Top 10 Health Insurance Plans in India 2019

30 days waiting period.

Pre-existing illnesses for 3 years waiting period.

Disease-specific waiting period for 2 years waiting period.

HIV/AIDS.

Drugs-induced illnesses or injuries.

Incurred expense during pregnancy.

Dental treatment expenses.

External aids.

Personal comfort goods.

Unauthorized treatment.

Room rent.

ICU charges.

Health check-up.

Domestic Air-Ambulance Cover.

International Second Opinion.

Pre-hospitalization and post-hospitalization coverage.

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.

Unlimited automatic recharge: This add-on optional cover offers automatic recharge of the sum assured in case it is exhausted.

Ambulance cover.

Lifelong renewability.

Personal Accident Coverage.

Domestic Air-Ambulance Cover.

International Second Opinion.

In-patient hospitalization: In these cases at least for a time period of 24 hours, the policy covers room rent, nursing expenses, expenses for intensive care unit, doctor's fee, surgeon's fee, anesthesia charges, blood charges, oxygen charges, operation theatre expenses, etc.

Daycare treatment: The policy covers medical expenses for 540 plus daycare treatments i.e. if the policyholder doesn’t need hospitalization for a time period of more than 24 hours.

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.

Get an extra sum insured at no extra cost.

Health check-up 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.

Newborn baby cover from 16th day.

Donor expenses for organ transplantation.

Domiciliary Hospitalization Expenses for treatment exceeding 3 days.

Cover for all Daycare 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.

Organ donor expenses.

Health check-up.

Newborn baby cover.

Compassionate travel expenses up to Rs. 5, 000.

AYUSH treatment (Ayurveda, Unani, Siddha, and Homeopathy treatment).

Second medical opinion.

Single policy, wider coverage for the whole family along with affordable premium.

In-patient hospitalization.

Pre- hospitalization and post-hospitalization charges.

Daycare treatments: While this plan covers all the daycare treatment expenses, such procedures shouldn’t have been undertaken in the outpatient department.

Refill benefit: It provides an additional benefit i.e. to add an amount equal to the sum assured for a successive claim against any different and unrelated illness.

Emergency ambulance expenses: This plan covers emergency ambulance expenses up to Rs 3,000.

Animal bite vaccination.

Hospital cash benefit: This plan provides a lump sum amount of Rs. 4,000 (or as per the selected variant) on a daily basis as daily cash benefit if the policyholder is hospitalized for a at least 2 days. This is applicable for up to 30 days only.

Tax benefit.

Lifetime renewal benefits.

Cashless facility: The plans offer cashless facility at the network-listed hospitals.

Organ transplant cover.

Enhanced sum insured.

Hospitalization expenses.

Renewal benefit: The plan offers lifetime renewal option.

Long-term policy period.

Pre-hospitalization and post-hospitalization charges.

daycare cover.

Domiciliary treatment.

Emergency ambulance cover.

Donor expenses.

Worldwide emergency coverage.

Additional discounts.

Health maintenance cover.

Maternity expenses.

First year vaccinations: This policy provides first-year vaccination costs of the newborn baby (if applicable).

Medical check-up.

Critical illness expert opinion.

Waiver of senior citizen mandatory co-payment: This policy offers an option to eradicate mandatory co-payment applicable to the policyholder 65 years of age and above by payment of an extra premium.

Tax benefit.

Easy cancellation.

Maternity coverage.

First year vaccination of the newborn.

Waiting period or 30 days.

Survival Period: In the first 90 days from the initiation of the policy, critical illness-related claims cannot be filed.

2 Years waiting period.

HIV/AIDS.

Genetic disorders.

Mental disorders.

Drug abuse or suicide.

Childbirth/pregnancy.

Pre-existing illnesses.

Tax benefit.

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 policy provides treatment cover for ayurveda, unani, siddha, and homeopathy according to 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 treatments for specified diseases such as tonsils, sinuses, internal tumor, and cysts will be covered only after 2 years waiting period.

Pre-existing illnesses.

HIV/AIDS treatment.

Specific diseases.

Drugs abuse.

In-patient hospitalization charges.

Pre-hospitalization and post-hospitalization charges.

daycare procedures.

Ambulance expenses up to Rs. 5,000.

Organ transplant cover.

Domiciliary treatment.

No claim bonus.

AYUSH treatments: This policy provides in-patient cover for optional treatment for ayurveda, unani, siddha, and 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 and disasters, etc.

Expenses linked with hospitalization for investigative or observational purpose.

Treatment expenses linked with self-inflicted Injuries.

Treatment expenses linked with sexual problems, dysfunctions, and gender-related problems.

Sum insured reload benefit: This policy provides sum assured reload in case the sum insured and No Claim Bonus/Super No Claim Bonus (if applicable) is exhausted/insufficient due to prior filing of claims. According to this cover, the policyholder will get up to 150% additional sum assured (Rs. 50 lakhs highest) for hospitalization.

Daily cash benefit.

Vaccination benefit.

Annual medical check-up program.

Donor organ transplant expenses.

Daycare procedures: the plan covers 586 daycare procedures such as dialysis.

Hospitalization expenses.

Cancer hospitalization booster.

Any room upgrade.

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: This plan offers cover specialized coaching by a health professional to guide the policyholder in the event where he/she is suffering from hypertension, hyperlipidemia, asthma, diabetes mellitus etc.

Decrease in pre-existing diseases waiting period.

Accidental Hospitalization Booster: In the event of hospitalization due to a road mishap, this cover offers an additional sum assured which is equal to the amount insured for in-patient hospitalization.

Coverage: The plan caters to the senior citizens aged between 60 and 75 years.

No medical screening.

Pre-existing illness cover.

Medical consultation cover.

Enhanced sum insured.

Daycare procedures.

Lifelong renewals.

Discounts.

Wide network.

Hospitalization coverage.

Emergency ambulance cover.

Post-hospitalization expenses.

Hassle-free claim settlement.

Speedy policy issuance.

No medical screening.

Entry age: This policy provides insurance cover for 3-month-old babies to 55 years old adults.

Cashless facility.

Fast and hassle-free claims process.

Daycare procedures expense up to 141 procedures.

Pre-hospitalization and post-hospitalization expenses for up to 90 days.

Domiciliary treatment.

Organ donor expenses.

Ambulance expenses.

Dental treatment in case of an accident.

Second opinion once a year.

Wellness package: This plan offers vouchers for availing certain health services/products.

AYUSH benefit.

Daily cash benefit.

Vaccination benefit.

Mother and child care benefit for 2 deliveries.

Pregnancy cover.

Pre and post-natal expenses.

Newborn care.

HIV/AIDS cover.

Dial-a-doctor: This policy provides cover expenses for telephonic or online medical advice from doctors.

Health educational library for people (help): The plan offers approach to Universal Sompo’s Library for consultants and seeking online medical expertise including various features such as live chat, ask-an-expert, and online health videos and guides.

Non-infective Arthritis.

Cataract.

Calculus diseases linked with urogenital system and gallbladder.

Fissure/fistula in the anus.

Pilonidal Sinus.

Hemorrhoids.

Gout and rheumatism.

Polycystic ovarian diseases.

Skin tumors.

Gastric and duodenal ulcers.

Internal tumors.

Nodules.

Cysts.

Polyps.

Breast lumps.

Age-related osteoarthritis and osteoporosis.

Sinusitis and related diseases.