Health Insurance in Chennai
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  • Financial protection plans
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Health Insurance in Chennai
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Best Health Insurance Plans in Chennai

Why is buying the best health insurance in Chennai important? Let’s have a look at the health statistics of Chennai.

With increased cases of diabetes, hypertension, heart and kidney failures, and other life-threatening diseases, Chennai is prone to terminal and critical illnesses. According to a recent report published in The Hindu, these diseases are the reason to incorporate and improvise modern treatment facilities to health governing bodies, hospitals, and healthcare centres by 30% to retrieve the primary health of locals.

Chennai is known as the ’healthcare capital of India’, the city of doctors and a hub for affordable and the best healthcare services. More than 45% of individuals from abroad and 30-40% of domestic patients come to Chennai for treatment. As we all know, living in a metropolitan city like Chennai, you must be more careful of your health and overall well-being. However, increasing healthcare costs in these huge cities is not a secret. So, having a suitable health insurance policy can save your day.

To make you secure for the future, this page discusses the major benefits of buying health insurance in Chennai and what you should consider while investing in a health plan.

Which Type of Health Insurance Should I Buy in Chennai?

  • Individual health insurance

    Individual health plans such as NivaBupa ReAssure 2.0, Care Comprehensive, SBI Arogya Supreme , etc provide personalized health coverage and you need not worry about hefty medical bills as the policy is enough to over-utilise its benefits.
  • Family health insurance

    If you have a family of two, four, or more, it might feel heavy to buy individual health insurance plans. A complete coverage health insurance plan for your family can help them all get the best healthcare services under one plan, and it’s affordable too.
  • Critical illness health insurance

    Those who have a family medical history of critical illness/es, or who are prone to get one in future must buy a critical illness health policy. Critical illness insurance such as Niva Bupa CritiCare, and Care Critical Illness plans can save their day from exhausting all life’s savings.
  • Maternity health insurance

    Maternity health insurance plans like Care Joy, Niva Bupa Aspire, and Star Women Care policy cover all kinds of maternity expenses including delivery charges, newborn care cover, any pregnancy-related complications, etc. Hence, maternity health plans in Chennai can be a boon amid healthcare inflation.
  • Senior citizen health insurance

    Star Red Carpet Senior Citizen , Care Freedom, etc are the best-serving health insurance plans for your senior parents, buy them one and you’re good to go with taking care of them even if you’re not around.

What are the Benefits of Buying Health Insurance in Chennai?

What to expect?How can it help you?
Coverage for critical illnessHealth insurance plans like Niva Bupa CritiCare cover your medical bills against 20 critical illnesses and are a good investment for you
Preventive health check-upsKeeping track of how your body and overall health are doing will help you to prepare for an emergency health complication, plans like Care Advantage cover regular health check-ups
Trusted insurers & networking hospitalsSince Chennai is a well-developed and hi-tech city, several health insurance companies like Star Health have headquarters there with a wide network of hospitals to provide free healthcare and hospitalization services to its policyholders
Standard medical supportWhether you want help with an ambulance service, doctor’s consultation, hospitalization for treatment, or anything other emergency - all are covered by health insurance plans such as Niva Bupa Aspire, ManipalCigna ProHealth, Care Comprehensive, etc
Shared medical billsMultiple health insurance plans come with co-payment, deductible, and sub-limit clauses, meaning the treatment cost of healthcare expenses will no longer be a headache for you

Things to keep in mind while buying health insurance in Chennai

  • Know your health insurance needs
  • Check the waiting period
  • Read carefully the terms and conditions
  • Know well about your policy’s exclusions
  • Choose a high-sum insured policy
  • Assess the claim settlement record of the insurer
  • Opt for lifelong renewability health plans
  • Compare plans before buying one at PolicyX.com

Summing It Up

Getting into a health complication is no joke nowadays, everyone needs to get covered with a superior health insurance policy. We’ve suggested some of the best health insurance in Chennai if you are confused about which health insurance to buy.

You can also take guidance from the health insurance advisors of PolicyX.com at 1800 4200 269 and clear your doubts. Make an informed decision, and know which health insurance best suits your needs in Chennai.

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Best Health Insurance in Chennai: FAQs

1. Who can buy health insurance in Chennai?

Anybody who falls under the eligibility criteria can buy health insurance in Chennai to safeguard their health.

2. Can I buy health insurance if I already have a pre-existing condition?

Yes. There are multiple health insurance plans in Chennai like Aditya Birla Activ Health Platinum Essential insurance that cover PEDs.

3. Who’s eligible to buy health insurance in Chennai?

An individual who’s aged between 18 to 65 years is eligible for buying health insurance.

4. Can I cover my children under my health insurance policy in Chennai?

Yes, dependant children who are up to 25 years of age can be covered under your health insurance policy in Chennai.

5. Which is the best health insurance in Chennai?

Here are the top five best health insurance plans in Chennai: Niva Bupa Aspire Aditya Birla Activ Health Platinum Essential Care Advantage Star Comprehensive Plan ManipalCigna ProHealth Prime

Best Health Insurance Plans in Ahmedabad

Considering the facts, here are some of the best plans to consider in Ahmedabad:

Comprehensive

A plan providing comprehensive protection to senior citizens with multiple coverage options counting from 5 - 25 Lakhs.

Unique Features

  • Coverage for modern treatments
  • Multiple co-payment options
  • Unlimited SI restoration

NivaBupa Senior First (Pros)

  • 3 Variant Available
  • No pre-issuance medical tests
  • Day 1 Health Check-up
  • Safeguard (Add-on)
  • Day Care Treatment

NivaBupa Senior First (Cons)

  • No Critical Illness Cover
  • 50% Co-payment
  • No Specific Diseases Covered
  • No Pre-existing Disease Cover
  • Self Inflicted Injuriesnot covered

NivaBupa Senior First (Other Benefits)

  • ReAssure Benefit
  • Domiciliary Hospitalization
  • Organ Donor Benefit
  • Ayush Benefit
  • Annual Aggregate Deductible

NivaBupa Senior First (Eligibility Criteria)

  • Entry Age - 61 Years
  • Max Entry Age - 75 Years
  • SI - 5 L to 25 L
  • Waiting Period - 30 Days

Comprehensive

The plan is ideal for the families who want to get covered under single sum insured.

Unique Features

  • Automatic Restroration of SI
  • Instant Recharge UPTO 30% of SI
  • New born baby cover from 16th day

Family Health Optima Policy (Pros)

  • No Pre-Policy Check-up
  • Lifelong Renewability
  • High SI available
  • COVID-19 cover
  • OPD covered

Family Health Optima Policy (Cons)

  • PED cover not available
  • Obesity Treatment Unavailable
  • Hazardous Activities
  • HIV/AIDS not covered
  • Cosmetic Surgery unavailable

Family Health Optima Policy (Other Benefits)

  • Long term discounts
  • Premium Payment flexibility
  • Health Check-up Cover
  • Domiciliary Hospitalization
  • Modern Treatment Cover

Family Health Optima Policy (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 1 L to 25 L
  • Waiting Period - 30 Days

Comprehensive

A health plan that supports you in times of medical emergencies. The plan comes in 3 types, Tata AIG MediCare, Tata AIG MediCare Protect, and Tata AIG MediCare Premier.

Unique Features

  • Global Coverage
  • 540+ Day care treatments
  • Compassionate Travel up to 20K

Medicare Health Insurance (Pros)

  • Qualified Nurse
  • Restore Benefit
  • Room Rent
  • Organ Donor
  • Domiciliary Treatment

Medicare Health Insurance (Cons)

  • Injury due to Suicide Attempt
  • Death due to Drugs
  • Injuries Due to Breach of Law
  • Injuries/Death due to Aviation
  • STDs

Medicare Health Insurance (Other Benefits)

  • AYUSH Benefit
  • Health Checkup
  • Bariatric Surgery Cover
  • Vaccination cover
  • 50%Cumulative Bonus

Medicare Health Insurance (Eligibility Criteria)

  • Entry Age - 18 Years
  • Max Entry Age - 65 Years
  • SI - 3 L - 20 L
  • Waiting Period - 30 Days

Comprehensive

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

Comprehensive

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
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More Queries?

To know about the best health insurance plans in Chennai, network hospitals available, or have any other insurance-related query, call our advisors at 1800-4200-269!

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Simran Nirala

Written By: Simran Nirala

Lives In: Delhi, NCR Expertise: Health & Term Insurance Simran has an experience of 4 years in content writing. She transitioned from hospitality and digital marketing 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.