Health Insurance in Odisha
  • Types of Health Insurance in Odisha
  • Expenses covered
  • How to choose the best?
Health Insurance in Odisha
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Health Insurance in Odisha

Odisha, priorly known as Orissa, is also the place of Lord Jagannath. This state is steeped in the rich culture and heritage. It also prioritizes the well-being of its citizens. When it comes to healthcare, you will get multiple options to secure yourself financially if there is any medical emergency. In this article, you will get to know the details about health insurance in Odisha.

Types of Health Insurance in Odisha

If you are in Odisha, there will be two types of health insurance plans available for you.

  • Government-sponsored health insurance scheme
  • Private health insurance plans

Let us have a look to understand in detail.

Government-sponsored Health Insurance Schemes

The Odisha government has launched two government schemes to cater to the healthcare requirements of the citizens:

  • Biju Swasthya Kalyan Yojana (BSKY)

    The plan was launched in 2018, aiming to provide cashless reimbursement coverage for hospitalisation expenses. You will get coverage up to Rs 5 Lakh for families and Rs 10 Lakhs for women.
  • Employees’ State Insurance (ESI)

    The government of Odisha have launched this plan to give financial protection to employees working in the organised sectors with a salary below Rs 21,000 per month. It offers a comprehensive medical coverage.

Expenses Covered by Health Insurance in Odisha

  • Hospitalisation
  • Surgery
  • Medical treatment
  • Treatment of pre-existing conditions
  • Room rent charges
  • Pre and post hospitalisation
  • Ambulance services
  • Maternity benefits

How to Choose the Right Health Insurance Plan in Odisha?

When you are in Odisha, you need to keep a few things in mind before buying a health insurance plan:

  • If you are young and healthy, you don’t need a health insurance plan but getting it earlier can be beneficial as it comes with lower premiums.
  • If you have any pre-existing conditions, make sure that the plan should cover them.
  • Calculate the premium cost carefully.
  • Understand the type of coverage and then go for the best one.

End Note

Choosing health insurance in Odisha offers a balanced approach, both health and finance-related. With the government schemes, you will get a safety net and a diverse range of private plans catering to the needs of the Odia people.

In case of any help, you can call IRDAI-certified health insurance experts of PolicyX.

Best Health Insurance Plans in Odisha

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

Individual and Family Health Insurance

ICICI Lombard Health AdvantEdge plan is a comprehensive health insurance plan designed to cater to all your health care needs. A family health insuran...

Unique Features

  • Global Cover
  • SI Upto 3 Cr
  • Air Ambulance Cover

AdvantEdge Plan (Pros)

AdvantEdge Plan
  • Restoration Benefit
  • Cumulative Bonus
  • Health Rewards
  • Domestic Air Ambulance

AdvantEdge Plan (Cons)

AdvantEdge Plan
  • OPD Cover
  • Second medical opinion
  • Modern treatment
  • IVF treatment cover

AdvantEdge Plan (Other Benefits)

AdvantEdge Plan
  • New Born Cover
  • Vaccine Cover
  • Maternity Cover
  • PED Cover
  • Personal Accident Cover

AdvantEdge Plan (Eligibility Criteria)

AdvantEdge Plan
  • Entry Age: 18 - 65 years
  • SI: 5 L to 3 Cr
  • Initial waiting period: 30 days

Senior Citizen Health Insurance

Niva Bupa Senior First is a senior citizen health plan packaged with features that give policyholders the assurance of good health at all times. So wh...

Unique Features

  • High-sum insured options
  • Rewards and loyalty benefits
  • Multiple plan variants

Niva Bupa Senior First Plan (Pros)

Niva Bupa Senior First Plan
  • High-sum insured options
  • Rewards and loyalty benefits
  • Multiple plan variants

Niva Bupa Senior First Plan (Cons)

Niva Bupa Senior First Plan
  • ICU charges not covered
  • OPD coverage not available
  • Second medical opinion not available

Niva Bupa Senior First Plan (Other Benefits)

Niva Bupa Senior First Plan
  • No sub-limits are applicable for common health conditions
  • Waive off co-payment on applying deductibles
  • No mandatory pre-issuance medical tests

Niva Bupa Senior First Plan (Eligibility Criteria)

Niva Bupa Senior First Plan
  • Min. Entry Age - 61 Years
  • Max. Entry Age - 75 Years
  • SI - 5 - 25 L
  • Initial Waiting Period - 30 Days

Individual and Family Health Insurance

Care Supreme is an extensive coverage health insurance plan that safeguards you and your family members without worrying about your future healthcare ...

Unique Features

  • Unlimited E-consultations
  • Automatic Restoration
  • Wellness Benefits

Care Supreme Plan (Pros)

Care Supreme Plan
  • Modern treatments
  • Renewal discounts
  • Unlimited e-consultation

Care Supreme Plan (Cons)

Care Supreme Plan
  • Illegal activities
  • alcohol abuse
  • obesity treatments

Care Supreme Plan (Other Benefits)

Care Supreme Plan
  • Ambulance cover
  • Doctor on chat
  • Maternity care

Care Supreme Plan (Eligibility Criteria)

Care Supreme Plan
  • Min entry age: 18 Years
  • Max entry age: No age limit
  • Initial Waiting Period: 30 Days
  • Sum Insured: Up to 1 Cr

Individual and Family Health Insurance

A supersaver policy covering every family member. Star Family Health Optima is a strategically priced family health insurance plan. It offers comprehe...

Unique Features

  • Get coverage for the whole family
  • Additional SI for Road Traffic Accident
  • Coverage for Compassionate Travel

Star Family Health Optima (Pros)

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

Star Family Health Optima (Cons)

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

Star Family Health Optima (Other Benefits)

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

Star Family Health Optima (Eligibility Criteria)

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

Individual and Family Health Insurance

TATA AIG Medicare is a comprehensive health insurance plan that is specifically designed by keeping in mind the increasing cost of medical expenses. T...

Unique Features

  • Vaccination Covered
  • AYUSH Covered
  • Quick Claim Process

Tata AIG Medicare Plan (Pros)

Tata AIG Medicare Plan
  • Global coverage
  • 540+ day care treatments
  • Qualified nurse
  • Room rent
  • Organ donor

Tata AIG Medicare Plan (Cons)

Tata AIG Medicare Plan
  • Injury due to suicide attempt
  • Death due to drugs
  • STDs
  • Injuries due to breach of law

Tata AIG Medicare Plan (Other Benefits)

Tata AIG Medicare Plan
  • AYUSH benefit
  • Health checkup
  • Bariatric surgery cover
  • Vaccination cover

Tata AIG Medicare Plan (Eligibility Criteria)

Tata AIG Medicare Plan
  • Entry age- 18 years
  • Max entry age- 65 years
  • SI- 3 L- 20 L
  • Waiting period- 30 days

Health Insurance Companies

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Health Insurance in Odisha: FAQs

1. I am employed, will I be eligible for ESI?

es, if your monthly income is less than Rs 21,000.

2. Can I switch to between health insurance companies in Odisha?

Yes, you can port/switch your health insurance to any company you want. To know more about the detailed process, call PolicyX.

3. What additional riders can I add to my health insurance plan?

You can add any rider like critical illness, accidental coverage, etc to your health insurance plan. It will give additional coverage for your specific needs.

4. What are some pre-existing conditions covered under health insurance plans in Odisha?

Nowadays, many health plans offer coverage for pre-existing conditions like diabetes and hypertension. However, the coverage for pre-existing conditions may vary from plan to plan.

Health Insurer Network Hospitals

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More Queries?

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

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Simran saxena

Written By: Simran Saxena

An explorer and a curious person, Simran has worked in the field of insurance for more than 3 years. Travelling and writing are her only passion and hobby. Her main agenda is to transform insurance information into a piece that is easy to understand and seamlessly solves the reader’s query.