Health Insurance In Chandigarh
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Health Insurance In Chandigarh
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Secure Yourself: Buy the Best Health Insurance in Chandigarh

Chandigarh, the UT and the capital of two states Punjab and Haryana. The calm and serene ambience of the city of Chandigarh is unparalleled. But do you have an idea how high the healthcare costs are? Healthcare costs are increasing day by day and even people living in Chandigarh are not safe from it.

What should be done in this case? You can't control the consequences of any health complications. This is where health insurance policy in Chandigarh comes into light. This will save your account from being empty and help you recover rapidly without worrying about lengthy medical bills.

This article has everything that you want to know about Chandigarh health insurance plans, read more to know about it.

Which are the Best Health Plans to Buy in Chandigarh?

Here are our recommendations for buying the best health insurance plans in Chandigarh for you:

Star Comprehensive Plan

This policy is designed to provide complete protection against all health care eventualities to you and your family.

Unique Features

  • Health check-ups for claim-free years
  • Hospital Cash Benefit
  • 100% Automatic Restoration

Star Health Assure Insurance Policy

A new-age plan with loaded benefits covering hospitalization expenses arising due to illness or accident.

Unique Features

  • Premium Payment Flexibility
  • Wellness Program
  • Short Waiting Period

Assure Insurance Policy (Pros)

  • Second Medical Opinion
  • Health Check-up Covered
  • 100% Cumulative Bonus
  • Compassionate Travel
  • AYUSH Treatment

Assure Insurance Policy (Cons)

  • 10% Co-pay applicable
  • Deductibles
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable
  • Injuries due to breach of law

Assure Insurance Policy (Other Benefits)

  • In Utero Fetal Surgery
  • Pain Management
  • Rehabilitation Cover
  • Organ Donor Cover
  • Modern Treatment Cover

Assure Insurance Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 75 Years
  • SI - 5 L - 2 Cr
  • Waiting Period - 30 Days

Niva Bupa Aspire Plan

This plan is designed for youngsters and allows the policyholder to go overseas for treatments.

Unique Features

  • Exclusive maternity benefits
  • Adoption is included
  • Borderless facilities

Niva Bupa Aspire Plan (Pros)

  • Overseas treatment coverage
  • Booster benefit
  • Covers organ donor transplant
  • Second medical opinion
  • Teleconsultation

Niva Bupa Aspire Plan (Cons)

  • No suicide cover
  • No war injury cover
  • Baby food & utility charges excluded
  • Laundry charges excluded
  • No certificate charges

Niva Bupa Aspire Plan (Other Benefits)

  • 4 unique variants of the plan
  • Cash-bag benefit
  • WellConsult OPD Wallet
  • Cashless claim settlement
  • AYUSH Treatment

Niva Bupa Aspire Plan (Eligibility Criteria)

  • Entry age - 18 years
  • Max entry age - No AgeLimit
  • SI - INR 3L to 1 Cr
  • Waiting Period - 30 days

Niva Bupa Health ReAssure 2.0 Plan

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.

Unique Features

  • Booster+ Benefit
  • Lock premiums at entry age
  • Health check-ups from day 1

Health ReAssure 2.0 Plan (Pros)

  • Personal accidents covered
  • Acute Care
  • Emergency Ambulance
  • Three Plan variants
  • Home Care Treatments

Health ReAssure 2.0 Plan (Cons)

  • No OPD Cover
  • No Maternity Cover
  • No Sleep Disorder Covered
  • Pre-Existing Diseases after 3 yrs.
  • Alcoholism not covered

Health ReAssure 2.0 Plan (Other Benefits)

  • Air Ambulance
  • Modern Treatments
  • Second Opinion
  • Booster Benefit
  • Shared Accommodation Benefit

Health ReAssure 2.0 Plan (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - No Age Limit
  • SI - 5 L to 1 Cr
  • Waiting Period - 30 Days

Care Advantage

Enjoy the advantage of 1 crore cover and multiple benefits at lower monthly premiums with this affordable individual & family floater plan.

Unique Benefits

  • No bonus claim up to 50%
  • Automatic SI recharge
  • Organ donor cover

Care Advantage (Pros)

  • Automatic Recharge
  • High SI
  • 50% No Claim Bonus
  • Ambulance Cover
  • Optional Cover Available

Care Advantage (Cons)

  • 20% Co-pay
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Advantage (Other Benefits)

  • 5 L Air Ambulance Cover
  • Reduction in PED Waiting period
  • Co-pay Waiver
  • Annual Health Check-up
  • Room rent modification

Care Advantage (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - Lifelong
  • SI - 25 L to 6 Cr
  • Waiting Period - 30 Days

Care Supreme Plan

A unique healthcare plan offering extensive coverage to individuals and families under a single plan with affordable premiums.

Unique Features

  • Unlimited E-consultations
  • Unlimited Automatic Restoration
  • Avail Up to 30% Discounts

Care Supreme Plan (Pros)

  • Day Care Treatments
  • No Sub-Limits
  • Emergency Ambulance
  • No-Claim Bonus
  • Organ Donor Cover

Care Supreme Plan (Cons)

  • Change of Gender Treatments
  • Obesity Treatment Unavailable
  • Hazardous Activity Not Covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Care Supreme Plan (Other Benefits)

  • Unlimited Recharge
  • 30% Renewal Discount
  • Unlimited E - Consultation
  • Wellness Benefits
  • Nutrition and Fitness Coaching

Care Supreme Plan (Eligibility Criteria)

  • Entry Age - 90 Days
  • Max Entry Age - No age limit
  • SI - 5 L to 15 L
  • Waiting Period - 30 Days

Manipal Cigna Pro Health

A comprehensive Plan with 5 different variants suitable for individuals and young couples, offering a sum insured up to 1 Crore.

Unique Features

  • Avail Family Discount
  • Worldwide Emergency Protection
  • Avail Healthy Lifestyle Benefits

Manipal Cigna Pro Health (Pros)

  • 5 Plan Variants
  • SI Up to 1 Crore
  • Hospital Cash Benefits
  • Up to 200% Cumulative Bonus
  • Avail Health Check-Up

Manipal Cigna Pro Health (Cons)

  • Optional Co-Pay
  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities

Manipal Cigna Pro Health (Other Benefits)

  • 8500+ Cashless Hospitals
  • Tax Benefits
  • Inflation Protection
  • Medical Check Up Cover
  • Health Reward Points

Manipal Cigna Pro Health (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No limit
  • SI - 2.5 L to 1 Cr
  • Waiting Period - 30 Days

Manipalcigna Lifetime

Plan with comprehensive coverage up to INR 3 crores with benefits like OPD cover, global cover, women's care, and continuity benefits.

Unique Features

  • Avail Global OPD
  • Cancer treatment
  • High SI

Manipalcigna Lifetime (Pros)

  • No room rent limit
  • Avail Loyalty discount
  • Global OPD
  • International Second Opinion
  • 27 CI Covered

Manipalcigna Lifetime (Cons)

  • Hazardous Activities not covered
  • Injuries due to unlawful activities
  • Obesity
  • Cosmetic Surgery
  • Injuries due to illegal activities

Manipalcigna Lifetime (Other Benefits)

  • Travel Expenses Benefit
  • Global Second Opinion
  • Critical Illness Cover
  • Women+ Cover
  • Air Ambulance Cover

Manipalcigna Lifetime (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - 65 Years
  • SI - 1 L to 3 Cr
  • Waiting Period - 30 Days

Activ Health Platinum Enhanced

A unique Plan with features such as a chronic management program, modern treatments, covid-19, and more.

Unique Benefits

  • High SI
  • Affordable Premiums
  • Wellness Benefits

Activ Health Platinum Enhanced (Pros)

  • Earn 100% Health Return
  • Cover for Dental Consultations
  • Modern Treatment Cover
  • Wellness Coach
  • Mental Illness Cover

Activ Health Platinum Enhanced (Cons)

  • Illness due to intoxicants
  • Change Of Gender Treatment
  • Hazardous Activity not covered
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Activ Health Platinum Enhanced (Other Benefits)

  • Chronic Management Program
  • Premium Waiver Benefit
  • Reload of SI
  • Road Ambulance Cover
  • Second e-opinion

Activ Health Platinum Enhanced (Eligibility Criteria)

  • Entry Age - Years
  • Max Entry Age - Years
  • SI - 1 L to 1 Cr
  • Waiting Period - 30 Days

HDFC ERGO Optima Secure Policy

Get 4X coverage* without any extra cost under this comprehensive health plan for individuals and families.

Unique Features

  • No room rent capping
  • 100% SI restoration
  • E-opinion for 51 illnesses

Optima Secure Policy (Pros)

  • Secure Benefit
  • Plus Benefit
  • Automatic Restore Benefit
  • No room capping
  • Covid - 19 Cover

Optima Secure Policy (Cons)

  • Adventure Sports Injuries
  • Injuries Out of War
  • Death due to breach of law
  • Congenital Diseases
  • Alcoholism

Optima Secure Policy (Other Benefits)

  • Day Care Treatments
  • Road Ambulance Cover
  • Air Ambulance Cover
  • E-opinion
  • Organ Donor Cover

Optima Secure Policy (Eligibility Criteria)

  • Entry Age - 91 Days
  • Max Entry Age - No Age Limit
  • SI - 5 L to 2 Cr
  • Waiting Period - 30 Days

ICICI Lombard Health AdvantEdge

A comprehensive plan for you and your family covering

Unique Features

  • Swine Flu Treatment Covered
  • Pre Existing Disease Covered
  • Cumulative Bonus upto 50 %

Health AdvantEdge (Pros)

  • No health check-ups
  • Domestic Air Ambulance
  • 24x7 Customer Support
  • Newborn baby and vaccine cover
  • Health rewards

Health AdvantEdge (Cons)

  • No Non-allopathic Treatments
  • Unproven treatment not covered
  • HIV/AIDS treatments not covered
  • 3-Year Waiting Period
  • Obesity treatment not covered

Health AdvantEdge (Other Benefits)

  • Bariatric surgery cover
  • Maternity Expenses Covered
  • Orthopaedic Expenses Covered
  • Chemotherapy Covered
  • Eye Surgery Covered

Health AdvantEdge (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age -65 Years
  • SI - 2 L to 5 L
  • Waiting Period -30 Days

NivaBupa CritiCare

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

Manipal Cigna ProHealth Prime Advantage

The plan covers a wide range of in-patient coverage on an individual/family floater basis. Worldwide OPD cover is available.

Unique Features

  • Maternity coverage
  • Newborn expenses coverage
  • Global healthcare coverage

Manipal Cigna Prime Advantage (Pros)

  • In-patient hospitalisation
  • Daycare treatment
  • Domiciliary hospitalisation
  • Sum insured restoration
  • Organ donor expense coverage

Manipal Cigna Prime Advantage (Cons)

  • COVID-19 care not covered
  • Adventure sport injuries not covered
  • Cosmetic treatment is not covered
  • Sub-limits not applicable

Manipal Cigna Prime Advantage (Other Benefits)

  • Individual, multi-individual & family plan
  • Trusted insurance provider
  • Unlimited benefits up to SI
  • Cashless claim settlement
  • AYUSH treatment cover

Manipal Cigna Prime Advantage (Eligibility Criteria)

  • Child Entry age - 91 days - 25 Years
  • Adult Entry Age- 18 Years- No Limit
  • SI - INR 5 Lakhs - 1 Crore
  • Waiting Period - 30 days

How Can PolicyX Help You in Buying Health Insurance in Chandigarh?

Do you also have a query about buying a health policy in Chandigarh? Are you afraid of not getting a claim settlement against your health policy? Worry not! PolicyX will help you utilize the maximum of your policy's benefits, know how can we help you with health insurance coverage:

  • Compare multiple health plans

     PolicyX has a multi-functional comparison platform that helps you compare and choose the best health plan for you out of 100s.

  • Get premium quotes

     To know what will be the premiums of your health policy, rely on the premium quotes of PolicyX and prepare your finances in advance.

  • Hassle-free claim assistance

     You need not run here and there to get an easy and worry-free claim settlement facility. We're here to help you receive a 100% claim against the health policy.

  • Know networking hospitals near you

     We've curated a list of networking hospitals in every major city of India, check out the nearest hospital of your insurer and receive a cashless treatment facilitation.

  • Reliable customer support

     We believe in customer satisfaction so we are bound to provide you with the best customer support every time you reach out to us.

  • Purchase insurance in minutes

     If you think buying health insurance is difficult and involves discomfort, then you must know how easily we can solve your problem. Buy the best health insurance policy from PolicyX and get what suits you the best.

Bottom Remarks

Are you also a resident of Chandigarh? You must buy health insurance for yourself and your family that will cover the medical expenses. This will help you save loads of money on emergencies like hospitalization, consultation, ambulance services, etc.

To know more about the best health insurance plans in Chandigarh, contact our insurance experts at 1800 4200 269.

Health Insurance in Chandigarh: FAQs

1. Is there a government health insurance scheme in Chandigarh

Ayushman Bharat PM-JAY Mukh Mantri Sehat Bima Yojana (AB PM-JAY MMSBY) is a government scheme that serves the healthcare needs of people residing throughout Punjab.

2. How much sum insured is sufficient for health insurance in Chandigarh?

The more the sum insured, the better the coverage options, and it's advised to take health insurance in Chandigarh with a minimum sum insured of INR 10 Lakhs.

3. I'm a regular smoker, can I buy health insurance in Chandigarh?

Yes, health insurance companies like Niva Bupa and Star Health also provide health insurance for smokers.

4. Can I buy health insurance for my wife?

Absolutely yes, you can include your wife and child/children in a family floater health plan like Niva Bupa Aspire (can include 6 members), Care Supreme, and so on.

5. Is there any tip to learn before buying a health insurance policy in Chandigarh?

You should assess the pointers mentioned below to know if the health plan that you're considering checks all the right boxes:

  • Sum insured more than INR 10 Lakhs
  • Freedom to customize and add more members
  • Limit of health coverage benefits
  • Specific, standard, and permanent exclusions
  • Terms and conditions of claim settlement
  • The claim settlement record of the insurer, etc

Health Insurance Companies

Star Health Insurance

Care Health Insurance

Aditya Birla Health Insurance

HDFC ERGO Health Insurance

Apollo Munich Health Insurance

Niva Bupa Health Insurance

ICICI Lombard Health Insurance

Tata AIG Health Insurance

Bajaj Allianz Health Insurance

SBI Health Insurance

Royal Sundaram Health Insurance

ManipalCigna Health Insurance

Reliance Health Insurance

IFFCO Tokio Health Insurance

Future Generali Health Insurance

National Health Insurance

United India Health Insurance

New India Health Insurance

Navi Health Insurance

ACKO Health Insurance

Digit Health Insurance

ZUNO General Insurance

Universal Sompo Health Insurance

Liberty Health Insurance

Kotak Mahindra Health Insurance

Magma Health Insurance

Cholamandalam MS Health Insurance

Oriental Health Insurance

Raheja QBE MS Health Insurance

Know More About Health Insurance Companies

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August 30, 2024

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Simran Nirala

Written By: Simran Nirala

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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