Health insurance is an integral investment that we all make. In India, there are several health insurance plans available. To choose the best health insurance in India, we should understand the requirements first.
Family health insurance offers financial security for all family members, including parents, children, spouses, and grandparents. In addition, the insurance companies operating in India provide a range of plans for their customers and clients with several features and benefits.
The seven best health insurance in India are as follows:
Max Bupa Health companion Health Insurance
Max Bupa Health companion Health Insurance provides a wonderful plan for families at an affordable rate The insured options range from 1 lakh to Rs 1 crore. Moreover, Max Bupa lets a policyholder carry forward with high-end treatments in their listed hospitals.
The benefits the policyholder can use include pre-hospitalization, in-patient hospitalization, post-hospitalization, OPD coverage, post-hospitalization, AYUSH treatment, daycare treatments, organ donor expenses, domiciliary hospitalization, and others.
Digit Family Health Insurance Plan
Digit Family Health Insurance is a famous and reputed insurance company in India that offers customers comprehensive coverage. The plans range from Rs 2lakh to 25 lakhs.
The features that the clients can have with Digit Family Health Insurance include an additional amount insured for any critical illness hospitalization and accidental hospitalization, annual check-ups, ICU room charges, mental illness coverage, ambulance coverage, Ayush coverage, and others.
Aditya Birla Activ Health Enhanced Plan
Aditya Birla Activ Health Enhanced Plan is among the leading health insurances in India. The plan sum range from Rs 2 lakhs to Rs 2 crores.
The benefits of this plan include pre-hospitalization, post-hospitalization, in-patient hospitalization, ambulance coverage, organ donor expenses, chronic management program, homecare treatment expenses, wellness coach, daycare procedures and others.
With the benefits, the family floater policy allows up to 9 members, which helps to gain more benefits.
IFFCO-Tokio Health Insurance Plan
IFFCO-Tokio Health Insurance Plan provides different plans for families in order to ensure comprehensive coverage. The plan sun range from Rs.1.5 lakhs to Rs. 30 lakhs.
The features covered under this Plan include health check-ups, AYUSH treatment coverage, 160 daycare surgeries, vaccination expenses, critical illnesses coverage and others. Also, policyholders can get a daily allowance maximum of Rs. 1000 based on the total sum insured.
Kotak Family Health Insurance Plan
The Kotak Family Health Insurance Plan offers coverage that ranges from Rs. 3 Lakhs to Rs. 25 lakhs. It is a comprehensive plan covering daycare procedures for several diseases, expenses for organ donor hospitalization cases, air ambulance coverage, etc.; The entry age ranges from 19 to 65 years.
Star Family Health optima Insurance Plan
The Plan allows the policyholders to choose the sum insured from Rs. 1 Lakh to Rs. 25 Lakhs. In addition, the Plan covers benefits such as domiciliary hospitalization, in-patient hospitalization, ambulance charges, modern treatment coverage, newborn cover, etc. It also covers an additional amount insured for accidents on the road.
Care Health Care Insurance Plan
Care Health Care Insurance Plan starts from 5 Lakhs ranging to 6 Crores. The Plan covers treatment through the AYUSH scheme, annual health check-ups, emergency hospitalization, cases of pre-hospitalization, expenses of an organ donor, period of treatment after hospitalization, expenses for daycare, etc. This plan has lifelong renewability with no upper age limit.
Nevertheless, before taking up health insurance in India, thorough research is required to help choose the right health plan. The benefits and features of the best health insurance in India vary from one family to the other.
When choosing a family health insurance, you must carefully understand the exclusions and inclusions when choosing the family floater option. While doing so will it help you to make claims in a much easier way.