Prices for medical care are rising and health insurance is now essential for every individual and family to cover emergency medical expenses. A health insurance policy protects you from excessive medical expenses, hospital charges, and pre-medical and post-medical expenses.
When selecting a health insurance plan, you need to understand the inclusions, limitations, conditions, benefits, etc. To help you, here are some of the best health insurance policies in India for 2022.
Best Health Insurance Plans in India
Activ Health Platinum Plan by Aditya Birla
This insurance scheme covers medical expenses ranging from Rs 2 lakh to Rs 2 crore. The Aditya Birla Activ Health Platinum plan is a great alternative for people looking for a comprehensive plan for themselves as it offers several benefits that suit them perfectly.
Here are the main aspects of the policy:
It covers pre-hospitalization expenses for 60 days and post-hospitalization expenses for 180 days, and it covers chronic conditions such as diabetes, asthma and high blood pressure from the first day of coverage.
It pays for tests, consultations and medications. In addition, illness, obesity treatment and home care are covered up to the insured amount. The policy covers Rs 1,000 in Outpatient Service Visits (OPD) (available for an insured sum of Rs 15 lakh and above).
STAR Health Seniors Red Carpet Health Policy
The policy offers coverage ranging from Rs 1 lakh to Rs 25 lakh, with over 12,000 hospitals in the network.
This insurance is specially designed for people aged 60 and over. Other health insurance policies often include an age limit of 65. Insurance is available on an individual and family basis and includes one, two and three year tenure choices.
Here are the main features of the plan:
There is no requirement for a pre-insurance medical examination, and an insured amount up to Rs 25 lakh is provided.
It covers daycare procedures, advanced surgeries and therapies including deep brain stimulation, robotic surgery, intravitreal injections, bronchial thermoplasty and others. From the second year, coverage covers pre-existing conditions.
Comprehensive health insurance policy from ICICI Lombard
The policy offers coverage ranging from Rs. 1 lakh to Rs. 50 lakh, with a network of over 6,500 hospitals. The ICICI Lombard comprehensive health insurance plan is a comprehensive health insurance policy for individuals and families.
Key features include:
It covers pre-existing conditions for two years after the start of cover (available on a plan with a sum assured of Rs 3 lakh and above)
There is no moderating ticket or prior medical examination for insured persons under 45 years of age. Each year, a family floating formula offers two complementary health checks.
Star Family Health Optima
The policy offers coverage ranging from Rs 1 lakh to Rs 25 lakh, with over 12,000 hospitals in the network. The policy protects the whole family on a floating family basis for a low premium.
The main features of the plan
If the policyholder is involved in an accident, the insured money is immediately increased by 25% (up to 5 lakhs) (subject to increases).
If the policyholder does not renew the cover, he has a grace period of 120 days to do so.
It covers hospitalization expenses such as room charges, medication and medication. In addition, 10% of the sums covered are reserved for expenses such as emergency ambulance and air ambulance costs.
It covers pre-hospitalization costs for 60 days and post-hospitalization costs for 90 days. It pays for organ transplants costing up to Rs 1 lakh.
First published on: 09 July 2022, 05:04 IST