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Health Insurance plan covers the costs that may arise due to any unforeseen hospitalization/ medical procedures. Health insurance covers the medical expenses for illnesses, injuries and other medical conditions. In general, a health insurance plan offers a financial guard against financial drainage on several diseases. With a health insurance, you don’t need to worry about the treatment expenses.Get Affordable Quotes
|Insurance Companies||Health Plans||Sum Insured (Min/Max)||Pre- Existing Diseases||Co- Payment||Pre/Post Hospitalization||No Claim Bonus|
|Religare Health Insurance Co.||Religare Care||3 Lakh/75 Lakh||Covered after 4 years||Applicable||30/60 days||Max up to 150% of SI|
|Star Health Insurance Co.||Family Health Optima Insurance Plan||2 Lakh/15 Lakh||Covered after 4 years||Applicable||60/90 days||Max up to 35% of SI|
|Bajaj Allianz General Insurance Co.||Bajaj Allianz Health Guard||1.5 Lakh/10 Lakh||Covered after 4 years||Applicable||60/90 days||Max up to 50% of SI|
|Universal Sompo General Insurance Co.||Complete Health Care Insurance||1 Lakh/ 10 Lakh||Covered after 3 years||Applicable||30/60 days||Max up to 50% of SI|
|Cigna TTK Health Insurance Co.||Cigna TTK ProHealth Plus Plan||2.5 Lakh/10 Lakh||Covered after 4 years||Applicable||60/90 days||Max upto 100% of SI|
|Future Generali General Insurance Co.||Future Health Suraksha Plan||50,000/10 Lakh||Covered after 4 years||Applicable||60/90 days||Max up to 50% of SI|
|HDFC Ergo General Insurance Co.||Health Suraksha||3 Lakh/10 Lakh||Covered after 4 years||Not applicable||60/90 days||Max up to 50% of SI|
|ICICI Lombard General Insurance Co.||Complete Health Insurance||3 Lakh/50 Lakh||Covered after 4 years||Applicable||30/60 days||Max up to 50% of SI|
|Apollo Minich Health Insurance Co.||Optima Restore Individual||3 Lakh/50 Lakh||Covered after 3 years||Not applicable||60/180 days||Max upto 100% of SI|
|Max Bupa Health Insurance Co.||Health Companion Health Insurance||2 Lakh/50 Lakh||Covered after 4 years||Applicable||30/60 days||Max upto 100% of SI|
|Star Health Insurance Co.||Star Comprehensive Insurance Policy||5 Lakh/25 Lakh||Covered after 4 years||Applicable||30/60 days||Max up to 100% of SI|
Here are some top reasons why you should buy a Health Insurance Policy.
Here are some essential tips that you should consider while buying a Best Health Insurance Policy in India.
Choose Need Based Plan: It is important to purchase a health insurance plan wisely. You should get a health plan that caters all your medical needs, keeping in mind the growing medical costs. If you have a family with multiple dependents, opt for Family Floater Plans which will take care of the health-related costs for the entire family. Also, in case you have parents aging above 60, it's prudent to buy them separate individual health plans as including them under a floater policy will result in usage of maximum sum assured by them only as the age advances people are more prone to diseases due to age factor.
Choose the Right Sum Assured: When buying a plan, apart from understanding its benefits, you also need to select the sum assured (health cover) that can easily cover all yours or family's health treatment expenses. If you are under-covered, you need to pay bills from your pocket, and if over-covered, you need to pay high premiums to get a health cover that you don't require at the current moment. So, be prudent in choosing the sum assured amount.
Go for Lifetime Renewability Health Plan: Some insurers may deny the renewal of your health plan considering your deteriorating health condition. It is, thus, recommended to go for health plans that offer Lifetime Reweability. With lifetime renewability, you can always cover the health risks irrespective of the age and health condition.
Opt for Top-up & Super Top-up: To broaden your health cover, Top-up and Super top-up health covers help you to cover the medical expenses in case the sum assured of your existing health plan exhausts. Rather than buying a new health plan with extended coverage, it is more prudent to go with the top-up /super top up cover. It is more economical and provides an extended health cover over and above your basic health coverage.
Make a Well-Informed Decision: It’s wise to read the policy document carefully and understand your policy wordings. Before buying a policy, you should know about the benefits and exclusions it offers, so that you can make a right decision with the right health plan.
Check Claims Efficiency: It is important to study the claim settlement ratio and turn around time of settling the claim by the insurance company before buying the health policy. Also, it's imperative to check the efficiency of the Third Party Administrator (TPA) involved. For medical emergencies, the need of the hour is the immediate financial support from the insurance company. Choose the insurance company with higher claim settlement ratio and fastest claim settlement turnaround time.
Buy Online: Online buying will enable you to compare the health plans or mediclaim policies from multiple insurers to get the best health insurance plan. Comparing plans online will help you understand the benefits provided under the various plans available on the market and you can take an informed buying decision by choosing the best fit.
Best Health Insurance in India offers additional benefits or Riders along with the base policy. Riders are additional benefits attached to your base policy which will offer you boosted benefits apart from your base policy. Add-on covers attached to your health insurance policy simply help you enhance the protection level. Listed below are the options:
Critical Illness refers to illness, disease, or sickness which even after the treatment drastically affects the lifestyle of the patient. For example, Cancer even after the treatment needs extreme care and may not make an individual’s life as normal as he/she was before. With Critical Illness add on the cover, the insured is provided with an immediate fixed amount plus the rider cover expenses incurred during the medical procedure as well. By having critical illness cover, you are covered for a wide range of critical illnesses. Critical Illness can also be taken as a standalone policy. Many insurers have separate Critical Illness plans under their health portfolio.
Hospital cash rider provides for the daily cash that you may need for compensating the medical expenses during the stay in the hospital. Typically, you can claim benefits an amount depending on the nature of your stay. You can also claim a higher payout in case you are admitted to ICU. You will be eligible for the rider payout in case you are hospitalised for a minimum of 24 hours.
This add-on cover enables you to enjoy higher sub-limits for room rent in case of hospitalization. A basic health plan typically provides a defined sub-limit to room rent. With the help of a room rent waiver cover, you can choose an improved room for your hospitalization beyond your basic cover with this rider.
Many insurers have this as an inbuilt rider in their health plans. With this add-on cover, you are covered against the risks that may arise due to the total or partial disablement or death caused by accidents. Personal accident plans are typically offered as a separate insurance cover by paying an additional premium amount. A personal accident cover is of great help in the event of medical emergencies caused due to the accidents and this add on cover provides the separate sum assured apart from your base sum assured. The Personal Accident Plan can also be taken as a stand alone policy. Many insurers have separate Personal Accident Plans under their health portfolio.
A top-up health policy provides additional coverage to those who have a running health plan. This plan covers the medical expenses that may arise due to an illness/injury over and above the limit of the actual cover. A top-up health plan works by ‘single incidence hospitalization’, however, a super top-up plan looks at the aggregate claim. A super top-up health plan puts together several incidence of hospitalization to cover the medical bills. It covers a total/aggregate of the medical bills in a year, not just the single instance of hospitalization.
(Note: The rider benefit, conditions, and eligibility criteria may vary from insurer to insurer.)Select from Top Insurer's
Health Insurance Portability refers to the right conferred to a health insurance policyholder to switch from one insurer to another without losing the credit gained with respect to the waiting period for a preexisting condition and other time bound exclusions. IRDAI, (Insurance Regulator) had issued guidelines on portability of health insurance policies. Portability in health insurance has come into force w.e.f 1st October 2011.The health insurance policyholders thereby have the right to buy a policy from another insurance company of his/her choice. The portability also applies when you switch from one plan to another with the same insurer. Porting of policy is possible only at the time of renewal. You can carry forward the credit given by the previous insurer, such as the waiting period for Preexisting condition and other time bound exclusions. You can port your health policy to any general insurer or specialized health insurer. Under this provision, your new insurer is bound to insure you at least up to the sum assured as mentioned under the previous policy.
Following are the conditions/exclusions that are not included in your Health Plan.
• Pre-existing conditions: Any illness that had symptoms or received medical treatment within 4 years of commencement of the first policy.
• First 30 days: You can’t claim for the first 30 days from the commencement of the health policy. Accident injury claims, however, don’t require a waiting period.
• First year of cover: During the first year of your policy, some specific illnesses are not covered include Cataract, Hydrocele, Hysterectomy, Fistula in anus, Benign prostatic hypertrophy, Sinusitis, and Congenital Internal diseases.
• Cost of contact lenses, hearing aids, and specs.
• Cost of contact lenses, hearing aids, and specs.
• Convalescence, congenital external defects, the use of intoxicating drugs / alcohol, intentional self-injury, general debility, expenses for diagnostic tests related to the disease for which the insured has not been hospitalized.
• Pregnancy or childbirth related treatments.
• Naturopathy treatment.
• Dental treatment/surgery.
(Exclusions may differ from one insurer to another and plan to plan.)
Read the do’s and dont’s related to your Health Plan.
|Fill the proposal form carefully (online/offline) and provide the right information about the people to be covered under the policy.||Let your agent fill the proposal form on your behalf.|
|Disclose details regarding all pre-existing conditions of each person covered under the policy a insured.||Provide any false information while filling the proposal form. It may affect the claim payment at a later stage.|
|For your future reference, you may keep one copy of the proposal form with you.||Hide the material facts or pre-existing condition of the insured/insured’s.|
|Take out time and read through the policy document, and if you are not satisfied with the policy terms, you may cancel the policy within 15 days free look period,starting from the date the policy issuance.||Sign the proposal form without reading the policy terms and conditions.|
|Renew the policy on or before the due date via online or by visiting one of the registered offices of the insurance company.||Renew after the due date of the policy renewal.|
|Prior requesting to enhance the sum insured on the policy renewal, you may read through the sum insured enhancement conditions mentioned in the policy document.||Forget to renew the policy. (The lifetime renewability feature is available only with those policies, which have been renewed without any failure.)|
|You should inform to your insurer regarding any change in the risk profile of the insured/insured’s covered under the plan.||Delay to inform the insurer of any change in the risk profile of the insured.|