Best Health Insurance Plans in India 2022

The needs of every individual vary from one another. However, there are few standard factors that should be kept in mind every time you buy health insurance like, checking the network hospitals in your vicinity, coverage the plans are offering, premium you need to pay etc.

Having the best health insurance plan will ensure that you get complete coverage in case of a medical emergency. With the best health insurance, you can avail benefits like cashless hospitalization at network hospitals as well as can save taxes under Section 80D of the Income Tax Act, 1961.

As a young adult, you can opt for Individual Health Insurance policies offered by the companies like Star Health, HDFC ERGO, Niva Bupa and many more. Take a look at all the plans offered by all the companies, filter them on the basis of your requirements and choose the best individual health insurance plans.

Based on the insurance needs of a couple, you can opt for a family health insurance that will cover you as well as your spouse, and will ensure safety during the announced medical emergencies.

Explore more about the Family Health Insurance plans here.

No, it is not at all necessary that you have to pay high premiums in order to buy the best plan. You can choose your ideal budget and can compare all the plans and their features, and then choose the best health plan.

If you’re looking for health insurance plans for parents with age less than 60 years, then you can consider a family floater health plan. It will cover your parents as well as if required you can cover yourself under the same plan.

There are several health plans that offer coverage for your newborn baby. Some of the best health plan for your newborn baby coverage are the Care Joy plan, Star Comprehensive Health Plan, and Niva Bupa Heartbeat Family Floater plan. Explore more about the best health plan for your newborn baby here.

For pregnant women, many health insurance companies offer separate maternity plans that cover all their pre & post natal needs. However, there are some health insurance companies that offer plans with inbuilt maternity cover. Checkout some of the best maternity plans available in the market.

As a diabetic patient, having a health plan is of utmost importance. To find the best health plan for yourself check out the best diabetes specific health insurance plans.

Being a smoker, you need to pay higher premiums for your health insurance plans. While choosing the best health plan, you can find a plan that encourages you to quit smoking and lead a healthy life.

A cancer policy is specifically designed to meet the insurance needs of a cancer patient. However, if you are already suffering from cancer, you will not be covered under a cancer specialist policy.

On the contrary, if you have cancer in your family history, or you might feel that you may get this unfateful disease due to your lifestyle, it is better to be prepared in advance. Along with your standard health plan, you can buy the best cancer specific policy that will protect you as well as your finances during such dreadful times.

Yes you can. As mandated by IRDAI, every health insurance company offers a feature of portability. In simple terms, it means that you can switch from your existing provider to another one or from one plan to another (within the same insurer) if you are not satisfied with it. People often debate about the pros & cons of portability, but in the end, it depends on the consumer.

While choosing the best health plan for your grandparents, the one factor you need to keep in mind is that you choose a plan that offers a maximum renewal age. This factor, along with the other factors like the entrance age, extent of coverage, the number of available network hospitals etc should be kept in mind when choosing a health plan for grandparents.

Yes, before buying a health plan for yourself, always compare health insurance premiums, features, benefits, network hospitals, etc. of as many plans. This will not only help you choose the best individual health plan but will also help you to customize your plan as per your needs.

No, there is no such parameter that decides the best health insurance plans. Selecting the best health insurance policy amongst a plethora of choices can be confusing which is why the policies that offer you factors like health insurance riders, benefits, coverage, network hospitals and more can be considered the best health insurance policy. Also, you should pay attention to the claim settlement ratio of the company you are purchasing the policy from.

Yes, age plays a major role in deciding health insurance premiums. You will have to pay higher premiums as you age.