Best health insurance plans offer inclusive health coverage for your every need like cashless treatments, free health checkups, tax savings, etc. If you are looking to buy the best health insurance plan in India, take a look at their offerings closely. It must include features like reputed network hospitals, affordable premiums, discounts & rewards, cashless treatment, claim and customer support, among others.
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Here's Your Guide for Choosing the Best Health Insurance Plans in India
So you are searching for 'the best health insurance plan to buy in India' on the web, and it has brought you here.
This may seem a little devastating to talk about possible health complications or a medical emergency concerning your family or for yourself. But, you gotta think of investing in one of the most suitable health insurance for you. Why? A good and far-reaching health insurance policy is something that will help you save your money. No matter what kind of medical coverage you need in life, your insurer will bear all the medical expenses such as in-patient, out-patient, pre and post-hospitalisations, OPD, doctor's consultations, drugs and medication charges, and much more. Apart from this, a comprehensive health plan sometimes provides worldwide medical emergency cover, and coverage for critical illnesses, pre-existing diseases, and so on.
Unfortunately, there is a bombardment of information on how to pick the best health insurance on the internet. You need to be careful and not get overwhelmed with any basic plan that has a choice of paying less premium or giving you fewer coverage benefits. A good decision involves you choosing what you might need in life. The same rule applies to buying health insurance, that too when it comes to buying the best health plans among a lot of options already available in the market.
But, you need not worry about how to buy and which plan to buy that serves the best for your medical needs. We've curated this guide specially for you. Read here how can you buy the best health policy, and what are the criteria you must check before investing in a policy. Also, we've added some of the best health insurance plans for you in further sections of this page.
Secure yourself without compromising on the best coverage options for your medical needs, choose your health plan wisely.
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Looking to Buy Best Health Insurance Plans? Find complete details in one go!
Once you tick off all the boxes from the checklist provided above you might think 'Is it really important to purchase the best health insurance policy?
Let us answer that for you, YES!
According to 'Health Report of Corporate India 2023' a report published by Insurtech company PLUM, over 71% of Indians pay medical bills out-of-pocket. With medical inflation rates reaching as high as 14%, annual medical expenditures can be INR 50,000.
It is important for everyone, including those covered by their employers. Health insurance provides emergency coverage and helps you with better financial planning and tax savings under section 80D of the Income Tax Act, of 1961.
More than this, you can be assured of all the expenses that may arise due to a medical emergency in your family such as hospitalisation, medication, doctor's consultation, etc.
Best Health Insurance Plans In India
Provided below is the list of Best health insurance plans in India with their key features, eligibility, and Sum insured options.
Read below to make an informed purchase decision:
Sl. No.
Plan Name
Specifications
Entry Age
Sum Insured
1
Star Comprehensive
Maternity cover Mid-term inclusion Free health check-up
Cover genetic disorders 537 daycare procedures Bariatric surgery
Age limit: 91 days - 65 years
SI: INR 3 L - 1 Cr
What is Entry age?
The age (last birthday) at which you buy an insurance policy is your entry age to that policy. Insurance policies usually come with a minimum and maximum age at entry which means that you must attain a specific age or should be less than the maximum age to buy a policy.
What is Sum insured?
Sum insured is the maximum monetary coverage that a health insurance policy provides you. You should decide your sum insured based on the cost of medical treatments, your health, income, and lifestyle habits.
Specifications of the Best Health Insurance Plans in 2024
Here are the synopses of what you can expect from the health insurance plans mentioned in the table above:-
Star Comprehensive Plan
The policy can cover all your family members under one umbrella, meaning the same amount of sum insured is sufficient for all in your family. Also, it comes with no sub-limits and without any room rent or hospitalisation capping, covering all the inflated healthcare costs as well.
Unique Benefits
No pre-policy medical screening is required.
Mid-term inclusions are allowed with this policy.
Organ donor's care expenses are covered to an extent of specifications under the policy schedule.
Add-on Benefits
Complimentary health check-ups are available for each claim-free policy year.
Accidental cover and total disability due to an accident is covered for the policyholders up to 70 years.
With the wellness program of Star Health Insurance, you can avail of huge discounts on overall payable premiums.
Star Health Assure Plan
Maternity cover, home care treatments, and Assisted Reproductive Treatments are some of the many features of the Star Health Assure Plan.
Unique Benefits
Up to 100% automatic restoration is available for insurance holders under the plan.
Chronic Severe Refractory Asthma cover is available for a maximum of INR 5 L per policy period.
Insurance holders are covered against accidental death and permanent total disablement.
Add-on Benefits
Buy Back Rider reduces the waiting period for covering PED (pre-existing diseases) to 1 year.
Niva Bupa Aspire Plan
This newly launched plan of Niva Bupa is a blessing in disguise that covers you with the unique feature of M-iracle, under which you can get extended protection for maternity and newborn expenses. Also, this plan gives you worldwide coverage so it would be a good decision to buy it earlier in your 20s'.
Unique Benefits
Lock the Clock and Lock the Clock+ ensure your premiums remain the same throughout the years you run your policy.
You can be future-ready for planning and starting your family, as it covers all the before and after pregnancy needs of your spouse.
Borderless facilitation makes sure you are covered every time no matter where you are.
The plan comes with 4 different variants- Gold+, Diamond+, Platinum+, and Titanium+.
Add-on Benefits
This plan is self-sufficient for all your medical needs, but there's always more for you. You can buy add-on riders such as Booster+, Safeguard+, etc.
Niva Bupa Reassure 2.0
A best-seller for Niva Bupa, Reassure 2.0 is a versatile individual and family health plan. You can avail of a sum insured up to INR 1 Crore.
Unique Benefits
Available in Bronze, Gold, Bronze+, Titanium+, and Platinum+ variants.
Carry forward your unused sum insured up to 10 times the base cover.
Fitness discounts of up to 30% on renewal premiums on completing certain tasks.
Add-on Benefits
Disease management offers diabetes and hypertension coverage as well as up to 20% discount on renewals.
The acute care add-on benefit will offer you unlimited teleconsultations with general physicians, specialists, and super specialists.
Safeguard rider, if opted by the customer, will provide an annual increase in coverage.
Care Advantage Plan
This plan is known for covering a wide range of basic health conditions like in-patient and out-patient hospitalisations, and so on, with an individual or a family floater policy.
Unique Benefits
Annual health check-up is available.
Co-payment waive-off option is also there to avoid any out from your pocket expenditure for medical treatment.
The waiting period for any pre-existing diseases can be reduced with this plan to only 24 months.
Add-on Benefits
Daily hospital cash/allowance is available.
Room rent modification according to the policyholder's needs is allowed.
Air ambulance expenses are covered.
Care Supreme Plan
Counted among the best health insurance plans in India, the plan comes with varied sum insured options between INR 7 L to 1 Crore, a high no-claim bonus, and a good health discount.
Unique Benefits
Cumulative bonus available up to 500% of the sum insured on claim-free years.
Unlimited automatic recharge benefit is available for continued coverage.
Discount Connect feature provides unlimited e-consultations and discounts on diagnostics, pharmacy, and consultations.
Add-on Benefits
Wellness Benefit add-on cover offers up to a 30% discount on renewal premiums for achieving health goals.
Claim Shield + offers coverage for non-payable items.
Instant Cover offers coverage against pre-existing conditions such as diabetes, hypertension, asthma, and hyperlipidemia.
ManipalCigna ProHealth Plan
This plan has 5 different variants that provide coverage under a huge sum insured of INR 1 crore. You can avail of annual health check-ups, and healthy lifestyle benefits among others that are mentioned below.
Unique Benefits
Family discounts are available.
Worldwide emergency protection coverage.
Up to 200% cumulative bonus.
Add-on Benefits
There's no maximum age limit to buy this plan.
You get inflation protection benefits along with rewarding discounts
ManipalCigna LifeTime Health
The plan comes with Global+ (OPD worldwide, ambulance, travel vaccination, etc are covered), Women+ (specialized for women's healthcare needs), and Health+ (to enhance the coverage of the plan) optional covers that are reliable to cover the policyholders for specified medical requirements of each kind.
Unique Benefits
Restoration of the base sum insured benefit.
If you choose the global plan, the same will cover 27 major illnesses to be treated overseas.
All kinds of daycare procedures to be treated within India are covered up to the full sum insured of your policy.
Add-on Benefits
Modern-day treatments are covered including robotic surgeries, HIV/AIDS, STD, mental health treatment, and so on.
Air ambulance and vaccination to travel globally are also covered.
Optional covers for bariatric surgery, non-medical expenses, and domestic second medical opinions are covered.
Aditya Birla Activ Health Platinum Enhanced
With a claim settlement ratio of 99.41%, Aditya Birla Health Platinum Enhanced is a reliable and holistic health plan.
Unique Benefits
Modern and advanced technology treatments like robotic surgeries, oral chemotherapy, etc. are covered.
Double your sum insured in just 2 years wherein you can earn a 50% no-claim bonus for every claim-free year up to a maximum of 100% of SI (up to a maximum of 1 Cr).
Premium waiver on diagnosis of critical illness.
Add-on Benefits
Personal Accident Rider protects you against permanent and partial disabilities
International coverage for major illnesses on a cashless basis.
Critical Illness Rider.
HDFC ERGO My:Optima Secure
HDFC ERGO My:Optima Secure plan has a wide coverage by multiplying your sum insured value to enhance overall medical support.
Unique Benefits
The sum insured multiplies by up to 200% in just two policy renewals.
With the Protect Benefit option of the plan, there are no deductions on non-medical expenses.
No sub-limits and no room rent capping on a zone-based treatment.
Add-on Benefits
Organ donor's expenses are covered for accommodation and organ harvesting.
Worldwide emergency hospitalisation coverage.
E-opinion benefits for 51 critical illnesses listed in the policy schedule.
ICICI Lombard Health AdvantEdge
There are three variants of the plan- Prime Plus, Royal Plus, and Apex Plus that provide comprehensive coverage for an air ambulance for domestic or international causes, domiciliary treatment, cover for medical conditions you already have, and a convalescence benefit as well.
Unique Benefits
You get wellness points, out of which you can receive OPD consultations, doctor's visits, diagnostic tests, dental care, etc.
24/7 e-consultations are available with this plan..
No pre-policy medical check-up is required up to 45 years of age
Add-on Benefits
Provides a lump sum amount for the 20 listed critical illnesses cover or up to INR 50 Lakhs or a 30-day survivor clause.
Covers hospitalisation against COVID-19 medical complications.
Niva Bupa CritiCare Plan
The CritiCare health insurance by Niva Bupa Health Insurance is an essential health plan that you should buy either if you have a family history of critical illness or if you are prone to getting any in future.
Unique Benefits
Lifelong renewability.
Daily cash benefit on hospitalisation- accommodation.
20 critical illnesses covered.
Add-on Benefits
Prosthetic implants are covered under the plan.
The surgeon's fees are also covered.
You save more on each claim made during a policy tenure.
ManipalCigna ProHealth Prime Advantage
Adequate sum insured for you and your family, ManipalCigna Prima Advantage has in-built features like OPD care, switch-off benefit, etc. Read below to gain more insights on the same.
Unique Benefits
Air ambulance cover is available up to a maximum of INR 10 Lakhs during the policy tenure.
Waive off the next one-year renewal policy premiums if diagnosed with any of the listed conditions (call our experts to know more) as per the policy schedule.
Switch off your insurance coverage after 1 year for a maximum period of 30 days and get a discount on the premium during subsequent renewal.
Add-on Benefits
ManipalCigna Critical Illness add-on cover.
Cumulative Bonus Booster is available for sum insured options over INR 5 Lakhs and above wherein you get up to 200% of SI.
Infertility Treatment optional add-on cover with a waiting period of 36 months.
SBI Arogya Plus
This health plan covers 141 types of daycare procedures and OPD coverage. If the policyholder is unable to move to the hospital for treatment, they can receive a domiciliary hospitalisation cover as well.
Unique Benefits
Nursing expenses are covered under the plan.
You can claim coverage for domiciliary hospitalisation.
Add-on Benefits
Internal congenital diseases are covered.
You also get coverage benefits for HIV/AIDS.
This plan also covers your genetic disorders.
SBI Arogya Supreme
This plan provides 20 basic covers and up to 8 optional covers with a wide sum insured options, which makes it the best family health insurance plan.
Unique Benefits
Coverage for any mental contradiction that occurred during the policy tenure.
In an internal congenital disorder, there'll be coverage up to 25% of the sum insured.
Policyholders above 18 years can claim bariatric surgery if prescribed as compulsory.
Add-on Benefits
Advanced procedures for critical illnesses are covered.
Get recovery benefits for straight 10 consecutive days.
Add-ons for major illness, sum insured enhancement, hospital cash available.
Health Insurance Plan Eligibility
Before we read more about the best health insurance plans in India, let us understand the standard eligibility criteria of the best health insurance plans.
Entry Age
Minimum: 18 Years Children: Day 1 to 25 Years Maximum: 65 to 70 Years Some plans offer lifelong renewability
Sum Insured
5 L to 6 Crores
Policy Tenure
1/2/3 Years
Initial Waiting Period
30 Days
Pre-existing Disease Waiting Period
2 to 4 years, depending on insurer
Tax Benefits
Under Section 80 D
Consider this checklist as your guide to determine if you are investing in the right plan
Adequate sum insured
Network hospitals for cashless treatments
Number of family members you can cover
Add-on or riders available, if any
Discounts and rewards
Co-pay or deductibles, if any
Reviews and ratings
Claim assistance and customer support
Affordable premiums
How To Choose The Best Health Insurance Plans In India?
Indian approach towards healthcare is reactive and not preventive. Most Indians do not visit doctors regularly to keep a tab on their health.
Health consciousness may improve with age, however, early detection of major ailments is often missed leading to hefty medical bills and prolonged illnesses.
Before investing in the health insurance plan, keep an eye out for these useful factors when selecting the best health insurance policy in India for yourself or your family.
Claim Settlement Assistance
Claim settlement is a crucial part of your health insurance purchase journey as it is the final step in the insurance cycle. The best health insurance plans in India are those that settle claims quickly at the time of hospitalization. Checking the claim settlement ratio of your health insurer is a necessary step as a high CSR indicates reliability and trust.
Sum Insured Amount
Opting for a sum insured of INR 2 Crore is unnecessary when your health care needs can be covered with a sum insured of INR 50 L. Opt for an adequate sum insured by evaluating factors like liabilities, income, dependent family members, and need for add-on covers/riders.
Network Hospitals Available
Having access to world-class medical infrastructure and the best team of doctors is a non-negotiable for each one of us. The whole purpose of purchasing the best health insurance in India for yourself revolves around it.
Carefully consider the list of network hospitals your health insurer provides as it can be the answer to all your woes.
Additional Discounts and Rewards
Getting rewards or discounts on any purchase is a joyous occasion for Indians! Insurance may be a serious industry but the satisfaction of rewards and discounts is collectively acknowledged by health insurers.
Cumulative bonuses on renewal premiums
Long-term policy discounts
Good health discounts
Online purchase discounts
Fitness and Wellness rewards, etc.
when purchasing the best health insurance for yourself.
Lifelong Renewal
What if we told you that you are eligible for a lifetime supply of your favourite snack? Lifelong renewals are something similar.
Check whether your health insurance plan offers lifelong renewability to enjoy continued healthcare coverage along with rewards and loyalty benefits.
Add-Ons and Riders
The best medical insurance in India for you is the truly customizable one. As a buyer, you must investigate all the available riders or add-ons that come along with your health plan.
Riders or add-ons like critical illness, hospital cash, global coverage, and waiver of waiting period are a few available at your disposal. Select the ones you need at minimal additional premiums.
Minimal Waiting Period
Waiting periods vary between 24 to 48 months. This is the time duration you have to serve before your health plan can cover you for Pre-existing Diseases (PEDs) or certain listed ailments.
Understand the waiting period clause when investing in the best health insurance as it should align with your medical needs.
Benefits of Investing in the Best Health Insurance Plan in India
Investing in the best medical insurance saves you against hefty medical bills in the long run and we all know that. But there are other benefits you can avail of:
Saves You Money In The Long Run
With a consistent rise in healthcare costs, investing in a health plan for yourself is essential. The best medical insurance is the one that offers comprehensive coverage, protecting your savings in the long run.
Value-Added Advantages
Health insurers apply additional perks and incentives to keep you motivated like:
Wellness points earned by you are awarded as premium renewal discounts
A good health discount is offered at the time of policy purchase
Females are offered premium discounts at the time of policy purchase
Cumulative Bonuses for every claim-free year
Cumulative bonuses depending on the health insurance plan you purchase for every claim-free year
Peace Of Mind (New Content)
You do not have to break the bank in case of a planned or emergency hospitalization with the best medical insurance in hand. This offers a sense of security and peace for you and your family.
Coverage Against Major Ailments
The majority of your life savings are drained out in treating major illnesses if you are diagnosed with one. If an individual has a family history of major illness, it becomes mandatory to invest in a good health insurance plan that could save you from financial distress.
Better Financial Planning
The best health insurance plans are essential financial planning tools. You are entitled to tax benefits under section 80D of the Income Tax Act of 1961. By investing smartly in a health plan you not only secure yourself but also can create a robust financial plan.
Ideal Time To Invest In The Best Health Insurance?
One question we find asking ourselves often is the ideal age at which we should invest in a health plan. Here are 5 reasons you must invest in a health insurance plan in your early 20's
Lower Premiums - Age is a key factor in deciding health insurance premiums
Good Health Discounts - Being diagnosed with illnesses in your early 20s has a lesser probability than in your 40s giving you a higher chance of gaining good health discounts
No Pre- Policy Check-Up Required - Most health plans require you to undergo a pre-policy medical check-up after the age of 45 years
Low Rejection Rates - The chances of claims rejections for younger individuals with good health conditions are minimal
Higher No- Claim Bonus
Choose your health insurance riders
If you feel your base health insurance is insufficient or does not cover a particular condition, here are some of the health insurance riders for your convenience:-
Health Insurance Riders
Benefits
Personal Accident Rider
A lump sum amount is offered if the insured suffers from partial/total disability due to an accident.
Critical Illness Rider
Covers you against listed critical illnesses such as cancer, heart ailments, etc.
Daily Hospital Cash Rider
Avail of hospital cash daily up to specified limits if you are hospitalised.
Reduction In Waiting Period Rider
Avail of a reduced waiting period for listed PEDs as specified by the insurer.
OPD Rider
Covers you against expenses like doctor's consultation fees, X-rays, diagnostic tests, etc.
PED Coverage From Day 1 Rider
PEDs like diabetes, hypertension, and asthma are covered from day 1.
Types of Best Health Insurance Plans
If you plan to buy a health plan but do not understand the options available, worry not. There is a health plan for everyone in the market.
A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakh to 1 Crore) and continues to give you more benefits.
An individual and family plan that covers all day care treatments, modern treatments, comes with a safeguard add-on and provides annual health check-ups.
Niva Bupa Reassure 2.0 provides insurance holders with a high sum insured through their platinum, titanium, and bronze variants along with a multitude of other features.
A comprehensive health insurance plan with SI up to INR 1 Crore and 3 plan variants and features like a wellness program, unlimited tele consultations, and more.
A comprehensive health insurance plan that offers a 15% increase in cumulative bonus for every claim-free year and comes with 8 optional coverage options.
Unique Features
Bariatric Surgery cover
573 Day Care procedures covered
Domestic Air Ambulance cover
SBI Arogya Supreme (Pros)
E - Consultations
Sum Insured Refill
Air Ambulance
Long-term Policy
AYUSH Cover
SBI Arogya Supreme (Cons)
Cosmetic Treatment
Injury Due To Illegal Activity
Injury Due To Hazardous Activities
Adventure Sport Injuries
Unlawful Activities
SBI Arogya Supreme (Other Benefits)
Multiple Discounts
Annual Health Check-up
Mental Health Care
Cataract Treatment
E-Opinion
SBI Arogya Supreme (Eligibility Criteria)
Entry Age - 91 Days
Max Entry Age - 65 Years
SI - 5 L to 50 L
Waiting Period - 30 Days
Best Health Insurance Plan for Senior Citizens
Opt for health plans that provide comprehensive coverage and ensure a hassle-free and smooth medical care experience. Find the perfect fit for the second innings of your life.
Offers 360 degrees protection to you and your family with multiple SI options of 3 to 75 Lakhs. Comes with EMI and lifelong entry option.
Unique Features
Fitness discounts during renewal
Room rent capping and co-pay
Loyalty discounts
my:health Suraksha (Pros)
Renewal Benefit
Wellness Benefit
Premium Payment Options
Reduced Premium Benefit
1,2,3 Years policy Period Option
my:health Suraksha (Cons)
No Return Transportation Cost
Suicidal Injuries
No Non-Allopathic treatment
Adventure Sports Injuries
Alcoholism
my:health Suraksha (Other Benefits)
Pregnancy Complications Covered
Newborn Complications Covered
Loss of Job Covered
Post Diagnosis Support
41 Critical Illness Covered
my:health Suraksha (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3 L to 75 L
Waiting Period - 30 Days
Best Health Insurance Plan for Critical Illness
The last thing on your mind should be financial stress when combating major illnesses like cancer, heart ailments, etc. Avail critical illness ailments care with these health plans.
An ideal health plan for people with a pre-existing critical illness or a family history of critical illnesses. Get comprehensive coverage for 15 critical illnesses.
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
The plan is designed to provide financial protection against critical illnesses, & offers compensation against the loss of income arising out of critical illnesses.
Unique Benefits
Lump Sum payout on detection
150% sum assured
Short survival period
Activ Secure Critical Illness Plan (Pros)
Cover up to 64 CI
3 Plan Variants
High SI
Short Survival Period
Active Health App
Activ Secure Critical Illness Plan (Cons)
Illness due to intoxicants
Obesity Treatment Unavailable
Hazardous Activity not covered
HIV/AIDS not covered
Cosmetic Surgery unavailable
Activ Secure Critical Illness Plan (Other Benefits)
Wellness Coach
Second Medical Opinion
Cancer Cover
Kidney Failure Cover
Brain Tumor Cover
Activ Secure Critical Illness Plan (Eligibility Criteria)
Buy a cover of up to 2 crores to secure you and your loved ones against 20 major critical illnesses with the Niva Bupa CritiCare plan.
Unique Features
Daily hospital cash
Accident care available
Lifelong renewability
NivaBupa CritiCare (Pros)
20 critical illnesses Covered
Long-term tenure savings
Different pay-out options
Tax benefits
Direct claim settlement
NivaBupa CritiCare (Cons)
Accident Death
No Total Disability Cover
AIDS Not Covered
Child Education Benefit
Funeral Expenses
NivaBupa CritiCare (Other Benefits)
Flexibility Plan Options
Surgeon's Fee Covered
Renewal for life
Diagnostic Procedures/Therapies
Prosthetic Implants Covered
NivaBupa CritiCare (Eligibility Criteria)
Entry Age - 18 Years
Max Entry Age - 65 Years
SI - 3 L to 3 Cr
Waiting Period - 30 Days
Best Top-Up health insurance Plans
Invest in top-ups and super top-ups for enhanced coverage. Ideal for those who do not want to spend extra on health premiums when they are covered by their employers.
How to buy the best health insurance plans from PolicyX?
Follow these simple steps in order to purchase the best health insurance plans in India
Step 1
Visit the official website of PolicyX.
Step 2
Click on the 'Health Insurance' tab which will open up a digital form for you to fill out.
Step 3
Fill in all the necessary details such as the number of family members you want health insurance cover for and your age and click on 'View Plans'.
Step 4
Select your city and click on 'Proceed'.
Step 5
Further, fill in your name and mobile number and click on 'Get Free Quotes'.
Step 6
You will be directed toward a list of health insurance plans wherein you can compare the plans of your choice and pay for the one you want as per your needs and requirements.
Wrapping It Up
Searching for the best health insurance plans in India can be overwhelming, right? Questions like, "When is the ideal time to purchase health insurance?", "How to choose a health plan?" - only adds to further confusion.
This is not a matter of ignorance from now on, as nobody should be allowed to bypass health insurance requirements. Why? There are thousands of health issues and medical complications arising due to a busy and careless lifestyle, a polluted environment, the food that we eat, and much more to count on. Also, nobody wants to lose out on their hard-earned money for a single hospitalisation or any healthcare needs.
Health insurance in such conditions comes into the picture. Fortunately, health insurance can save us and our money from drowning. So, the best thing to do is to look for the best health insurance policy available in India. If you feel, it's a daunting task to find a good health policy in India's insurance sector, we're always here to help you through this.
If you need any further assistance with choosing health insurance that is the best for your healthcare and medical requirements, get connected with us for continued customer support. You can reach out to the expert insurance advisors of PolicyX.com at 1800 4200 269 or just send us a query at helpdesk@policyx.com.
Best Health Insurance Plans FAQs
1. Top 10 health insurance plans in India based on incurred CSR (FYI 2022-23).
2. How to select the best health insurance plan in India?
There are certain factors to keep in mind when opting for the best health insurance plans for yourself and your family that are provided below:
Research coverage benefits.
Claim Settlement Ratio of the insurance provider.
Find out the riders and add-on covers provided by the health insurance plan.
Research the list of network hospitals available in your area.
Sum insured options available.
Understand how customizable the health insurance plan is.
3. Why should I purchase the best health insurance plan in India from PolicyX?
Having good health insurance ensures you and your family members are covered against all the odds rising due to medical complications and saves you lots of money on healthcare.
4. What is the maximum entry age for purchasing the best health insurance plan in India?
Health Insurance plans usually have entry age criteria from 18 years to 60/70 years. However, there are multiple health insurance plans that offer lifetime renewability which means you are eligible to renew your health insurance plan for as long as you want to.
5. What are the best cashless health insurance plans in India?
All medical insurance policies in India offer cashless treatments across the country. In case you are not sure of the cashless network hospitals provided by your health insurance provider, you can visit the website and check the best hospitals available around your area.
6. What are the tax benefits available under the best health insurance plan?
Insurance holders are entitled to tax benefits under section 80D on the purchase of any of the best health insurance plans in India. Customers can save up to INR 1.5 Lakhs by investing in the best medical insurance.
7. Which riders are available with the best health insurance plans?
There are multiple riders available with different health insurance plans. Riders and add-on covers vary from insurer to insurer. However, some of the common health insurance riders that customers can opt for are:
Critical Illness Rider
Personal Accident Rider
Hospital Cash Rider
International Cover Rider
Waiver Of Premium Rider
8. Can I port my health insurance plan from one insurer to another?
Yes, you can port the best health insurance plan from one insurer to another. PolicyX provides its customers with complete assistance regarding the policy portal.
9. How will investing in the best health insurance plan benefit me?
Investing in the best health insurance plan will benefit you in many ways as it not only protects your hard-earned savings but also provides you with the peace of mind that you and your loved ones are protected from medical conditions.
10. Can I cover more than 4 individuals under the best health insurance plans?
Depending on the health insurance plan you purchased, the family floater option can cover up to 15 family members depending from insurer to insurer.
11. Do I need to compare all the health plans before buying the best health plan for myself?
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.
12. What is the best medical insurance plan for a family in India?
Health insurance companies like Niva Bupa, Star Health, Care Health, ManipalCigna, SBI, Aditya Birla, and several other insurers offer various family health plans for your convenience. Some of them are:
Star Comprehensive Plan
Care Plan
Star Family Health Optima Policy
Care Freedom
13. Are pre-existing conditions covered by medical insurance in India?
Yes, the best medical insurance policies in India cover pre-existing conditions, but they often have a waiting period before the coverage becomes active. The waiting period typically ranges from 2 to 4 years.
14. Are critical illnesses covered by medical insurance in India?
Yes, the best medical insurance policy in India covers critical illnesses, such as cancer, heart attack, paralysis but they often have a waiting period before the coverage becomes active. Kindly check the inclusion and exclusion of the policy before buying it.
15. Do all health insurance plans have family coverage?
No, not every health insurance has family coverage. And the plan covering family comes with the name' Family Floater Plan'.
16. Can I get coverage for a pre-existing medical condition?
17. What happens if I need treatment while traveling abroad?
When it comes to international healthcare coverage, there are few companies that provide international health insurance policies. Few insurance plans have travel insurance as an add-on, while others may provide limited coverage.
Health Insurance Companies
Compare health insurance plans from different companies.
I was looking for a plan that supports me in case of international travels, this is when PolicyX insurance experts suggested me ManipalCigna Pro Health and I am satisfied
Ashish
Vishakapatnam
1 days ago
I have been a policyholder of the ManipalCigna Pro Health for years now, I am glad PolicyX helped me in finding the health plan
Rehaan Khan
Ranchi
1 days ago
PolicyX saved me hours of research and provided valuable information about coverage options and claim settlement ratios. Highly recommend this platform to anyone looking for a hassle-free way t...
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Vijayawada
1 days ago
PolicyX impressed me with its ability to suggest plans that fit my specific needs and budget. After answering a few questions, I received a personalized list of relevant insurance options. I ch...
Ankur Nigam
Cuttack
1 days ago
I appreciated PolicyX& 039;s clear presentation of premium costs. They displayed the breakdown of charges, including any applicable taxes or additional fees, upfront. I had a lot of questions r...
Shrishti Srivastava
Dehradun
1 days ago
PolicyX made the application process for my Care health insurance plan surprisingly smooth. I could easily initiate the application directly through their platform and track the progress conven...
Dil Walia
Kolkata
1 days ago
I started looking for a health insurance policy when I turned 18 years old. Then I got to know about PolicyX.com. They helped me choose the right policy as an individual. They suggested me with...
Akshay
Mysore
1 days ago
PolicyX introduced me to ManipalCigna Pro Health which suits my travel needs. Their Switch off benefit in the plan allows me to pause my coverage for 30 days. Thank you PolicyX
Simran has an experience of 3 years in insurance content writing. She transitioned from hospitality to the insurance industry after her emerging interest in how vast insurance is. With her ability to write complex insurance concepts in a simple, relatable manner she keeps her audience hooked and solves their doubts smoothly.
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