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Best health insurance plans take care of your health and wealth at the same time. Top mediclaim policies get you all-covered for major costs of expensive healthcare treatment. Many medical insurance policies are available in India but the most crucial part is to select the one that best suits your needs. Finding the best health insurance in India become so confusing as there are many health insurance companies are available which are providing health insurance. While selecting the best health insurance policy one must consider these factors such as adequate sum insured, affordability, financial support for sky-rocketing treatment expenses, add-on benefits, flexible claim process, reliable insurance provider - altogether make the best health insurance.
Medical emergencies are inevitable and more often than not bring along excessive financial baggage which in turn breaks the bank if you are unprepared. The best health insurance policies are powerful tools that help you in securing your future from expensive medical expenses. As there is a swarm of organizations selling health insurance it is important you select the best one, and it can be a daunting task.
Unfortunately, a handful of people make the effort of understanding the importance of buying a good Health Insurance Policy and making an informed decision. PolicyX has listed a number of reasons for you to understand why it is imperative to select the best health insurance policy.
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Finding the best health insurance in India is very difficult as there is a variety of health insurance plans offered by various health insurance companies. PolicyX aims at making it easier for you to choose the best health insurance in India that meets the healthcare needs of individuals and families. We have compiled the top medical plans of 2021 with their respective key features in the table below:
S. No. | Plans | Sample Annual Premium 2A | 30Yr | 5L | Benefits |
#1 | Star Health Comprehensive Plan (5 Lakhs to 1 Crore) | INR 10,420 | Daycare Procedures Domiciliary Hospitalization AYUSH Treatment |
#2 | Star Family Health Optima (3 Lakhs to 25 lakhs) | INR 11,150 | Installment facility for premium payments Daycare Procedures Domiciliary Hospitalization |
#3 | Care Plan(5 Lakhs to 6 Crore) | INR 11,593 | 541 Daycare Treatment Auto recharge of Sum Insured Maternity Covered |
#4 | Care Freedom(3 Lakhs to 10 Lakhs) | INR 12,346 | Dialysis Cover ICU Expense Breakage of Bone Treatment |
#5 | Niva BUPA Health Reassure(3 Lakhs to 1 Crore) | INR 11,409 | Organ Transplant Domiciliary Hospitalization Hospital Daily Cash |
#6 | Niva BUPA Health Companion(2 Lakh to 1 Crore) | INR 11,009 | Daycare Treatment Covered Pre and Post Hospitalization Domiciliary Hospitalization |
#7 | HDFC ERGO Optima Restore(3 Lakhs to 50 Lakhs) | INR 15,065 | No Claim Bonus Restoration benefits Domiciliary Hospitalization |
#8 | ICICI Lombard Complete Health Insurance(3 Lakhs to 50 Lakhs) | INR 13,672 | 24x7 Customer Support Personal Accident Cover Coverage for Newborn |
#9 | Aditya Birla Activ Health Enhance(2 Lakhs to 2 Crores) | INR 11,944 | Road Ambulance Cover Domiciliary Hospitalization Obesity Treatment |
#10 | ManipalCigna Prohealth Plus(2.5 Lakhs to 1 Crore) | INR 8,679* | AYUSH Cover Ambulance Cover |
*Premium amount for 5.5 Lakhs of Sum Insured
S. No. | Plans | Sample Annual Premium 2 Adult | 65 yrs | 10 Lakhs | Benefits |
#1 | Care Senior (3 Lakhs to 5 Lakhs) | INR 41,265 | No-pre-Medical Checkups ICU Charges Domiciliary Hospitalization |
#2 | Star Health Senior Citizen Red Carpet (1 Lakh to 25 Lakhs) | INR 45,135 | Daycare Procedure Emergency Ambulance Cover ICU Charges Covered |
#3 | HDFC ERGO My Health Suraksha (5 Lakhs to 75 Lakhs) | INR 62,496 | Free Preventive Health Checkups Cashless Home Care Treatment No Age Restriction |
S. No. | Plans | Sample Annual Premium 1 Adult | 30 yrs | 5 Lakhs | Benefits |
#1 | HDFC ERGO Critical Illness Insurance (5 Lakhs to 10 Lakhs) | INR 2,065 | Covers up to 15 critical illnesses Sum insured paid in a single transaction Lifetime renewability |
#2 | Star Criticare Plus Insurance (2 Lakhs to 10 Lakhs) | INR 9,912 | Covers 9 specified critical illnesses Covers non-allopathic treatment Lifelong renewability |
#3 | Aditya Birla Cancer Secure Insurance (5 Lakhs to 1 Crore) | INR 1,558 | Protection for all 3 stages of cancer 7-days short survival period Option for second E-opinion |
S. No. | Plans | Sample Annual Premium 1 Adult | 30 yrs | 10 Lakhs | Benefits | Deductible |
#1 | Star Health Super Surplus Insurance (5 Lakhs to 1 Crore) | INR 2,526 | Can be availed on an Individual & Family floater basis Covers organ donor expenses Covers air ambulance charges | 3 Lakhs |
#2 | Niva BUPA Health Recharge (7.5 Lakhs to 95 Lakhs) | INR 1,605 | E-Consultation Coverage for Emergency Ambulance upto 1.5K per Hospitalization AYUSH Treatment | 3 Lakhs |
#3 | ManipalCigna Super Top-up Plan (3 Lakhs to 30 Lakhs) | INR 1,770 | Daycare Treatment Ambulance Cover Cumulative Bonus | 3.5 Lakhs |
Disclaimer: The sequence of plans in the table does not define their ranking.
Find and compare the top medical policies to pick the best plan. Here is a classification of the best health policies into different categories, offering you the convenience of selection.
This policy is designed to provide complete protection against all health care eventualities to you and your family.
Unique Features
The plan is ideal for the families who want to get covered under single sum insured.
Unique Features
A comprehensive health plan for individuals and families, offering a wide range of sum insured options ranging from 3 Lakhs to 6 Crores along with global coverage benefit.
Unique Benefits
Get medical coverage for pre-existing diseases like BP, diabetes without any waiting period by bearing a co-pay of 20-30%.
Unique Benefits
A complete health insurance policy that covers you and your family with a wide range of SI (3 Lakhs to 1 crore) and keeps giving you more benefits.
Unique Features
Protect your entire family with smart features that provide you with everything you need under a health insurance plan.
Unique Features
Provides comprehensive medical coverage to individuals and families with different budgets by offering SI options ranging from 5 Lakhs to 50 Lakhs.
Unique Features
A comprehensive health insurance plan that covers you & your family's healthcare needs with a wide range of SI (2 Lakhs to 50 Lakhs)
Unique Features
This is a plan that comes with wellness and chronic care benefits.
Unique Features
This plan is a comprehensive health insurance solution for your illness as well as wellness.
Unique Features
Comprehensive health plan for people above 60 to make their second inning stress-free from health-related financial worries.
Unique Benefits
The plan is specially designed for those individuals who are willing to secure their old-age medical needs after their retirement.
Unique Features
Offers 360-degrees protection to individuals & families along with utmost flexibility by providing multiple SI options (3-75l), EMI facilities, and lifelong entry option.
Unique Features
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.
Unique Features
Provides reimbursement of hospitalization expenses and also provides a total amount of sum insured if the insured person is diagnosed with a major illness.
Unique Features
Designed to cover medical expenses incurred for the cancer treatment at all stages. The plan pays a lump sum amount to meet the cost of surgery, chemo, etc.
Unique Features
The plan offers additional coverage to the policyholder in case their existing coverage is exhausted.
Unique Features
A super top-up plan providing extra coverage to you and your family on the basis of deductible with SI options of up to 95 lakhs.
Unique Features
Offers enhanced coverage when the existing sum insured of the policyholder is exhausted or the claim has not been settled.
Unique Features
There are a variety of health insurance policies available in India and each policy comes with some unique coverage benefits. To choose the best health insurance policy in India, you must check the offered benefits and understand what is covered and what is not. Before you decide on purchasing the best medical insurance for yourself, contact our customer service representatives to determine which is the best option that can meet your requirement. You can consider the factors given below while selecting the best mediclaim policy:
Compare health insurance plans from different companies.
Determine the adequate amount of coverage for yourself and your loved ones on the basis of:
Based on age and city of the treatment, we have recommended the minimum cover required below:
Metro | Above 35 | 10 Lacs |
Metro | Below 35 | 5 lacs |
Non - Metro | Above 35 | 7.5 Lacs |
Non - Metro | Below 35 | 5 lacs |
You probably experience multiple additional benefits of having a top health plan, some of them are mentioned below:
Avail of cashless treatment from any of the network hospitals
Save tax under section 80D of the IT Act on paying the policy premium
Enjoy discounts on health services such as health check-ups, telemedicine, etc.
Protection against healthcare expenses such as in-patient hospitalisation, pre & post-hospitalisation, ambulance charges, etc.
Stay insured for life long without age limit restriction and get coverage for medical expenses
Get daily allowance during hospitalisation to fulfil additional medical expenses that are not covered under your health plan
You can buy the best medical insurance in India from PolicyX.com as it comes with an easy and user-friendly buying process that is safe, quick, and hassle-free and allows you to buy your policy from anywhere and anytime.
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PolicyX has a team of experienced insurance advisors who have compiled the list of best health plans for you based on:
Health insurance is a type of insurance coverage wherein, an insured can claim payments for his medical and surgical expenses and as a trusted insurance web aggregator for millions PolicyX has facilitated multiple individuals, families and employers in making the right decision in respect to selecting the best health insurance policies. We intend to lighten the burden and help you in doing your due research and choosing the best health insurance policy.
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.
If you are aged 25 years or above and not residing in a metro city, then a family floater plan ranging between Rs. 5 Lakh to Rs. 10 Lakh sum insured would be sufficient to meet any health emergency.
In case of health emergencies, having a reliable health insurance policy helps as it offers the much-needed financial backup. A health insurance policy can reimburse you for the expenses arising due to injury or illness or pay directly at the hospital.
Yes. You can pay the premium for a particular health insurance policy in EMI for which you will be required to pay a fixed amount every month. It is a recommended option as it helps you reduce the stress of paying a hefty amount of premium in one go.
When purchasing a health insurance policy the insurance provider may require you to undergo some medical examination to assess your health condition. These medical tests play an important role in determining your eligibility for getting health insurance and determining the premium of the health insurance policy. However, it does not mean that you cannot purchase a health insurance policy without a medical examination.
jasvinder singh
Delhi
March 25, 2022
very nice service by policyx.com and as well from manipal cigna during the claim period. easy claim settelment.
samarth wadhwa
Guwahati
March 14, 2022
Star is one of the topmost insurance companies and they prove it with their services and plans. They have plans for each family member of mine starting from my parents to my own family and even...
nimrat sondhi
Ludhiana
March 14, 2022
my father is a single parent. The way he has taken care of me during my childhood, I wanted to support him after my marriage so that he is never alone, especially during medical emergencies. I ...
kuljeet singh
Chandigarh
March 14, 2022
very good company with good plans. They always reply to my and my wife queries related to our old diseases and new doctor consultations. they OPD plan is very helpful.
simaranjeet kaur
Jalandhar
March 14, 2022
My father in law lives alone in jalandhar and we wanted an insurance company that take cares of him in our absence. They are very good with their commitment and service.
vanita
Indore
February 24, 2022
Me and my husband met with accident and got injured during night. we admitted to the non-network hospital but the company paid reimbursement for our medical bills on time.
rachana singh
Ahmedabad
February 24, 2022
I am star health s customers from last 5 months where i have got best customer service. They have a huge list of network hospitals which keeps me relaxed that i can get cashless treatment
rohit
Jaipur
February 21, 2022
Staff is really polite and good and educated not like other insurance companies. Dont disturb with so many calls and available at the time of help
Naval Goel is the CEO & founder of PolicyX.com. Naval has an expertise in the insurance sector and has professional experience of more than a decade in the Industry and has worked in companies like AIG, New York doing valuation of insurance subsidiaries. He is also an Associate Member of the Indian Institute of Insurance, Pune. He has been authorized by IRDAI to act as a Principal Officer of PolicyX.com Insurance Web Aggregator.
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