Health Insurance Plans

Best Health Insurance Plans in India

In India, health insurance is considered a necessity. This is because of the 10% tax on medical services and the fact that most of people don’t have access to free healthcare. The Indian government has taken many measures to provide affordable and accessible healthcare for all its citizens. While these efforts are commendable, there are still concerns about the lack of quality healthcare as compared to other countries. This leads us to an important question – what is an ideal health insurance plan in India? Best Health Insurance plans can be classified into four types –

  • Cost-Effective Healthcare Plans,
  • Group Insurance Plans,
  • Individual Insurance Plans, And
  • Gold-Standard Health Insurance Plans.

It’s Important To Get An Affordable Plan:

In India, most people are struggling to find affordable health insurance. The average premiums for the best health insurance plans in India vary from Rs. 2,000 to 3,000 per month. This is an unaffordable amount for many people who work a standard 9-5 job and have no benefits on top of it. To make matters worse, there is a lot of confusion when it comes to the best health insurance plans in India.

Affordable healthcare is important not just because it provides maximum value at minimum cost, but also because your quality of life relies on your health. These days even if you have good health insurance coverage and a healthy lifestyle, the chances of having an accident or getting sick are high enough.

List of best Health Insurance plans in India:

India has a wide variety of medical insurance plans for all classes of users. Here is a list of top-quality health insurance plans that you can choose from to help ensure your financial and medical well-being.

The best health insurance in India is not just about the money you spend buying it or the coverage it offers. It is also about how easy or difficult it is to buy and to understand the benefits offered by it. This can be explained through a few examples, one being that having good knowledge of the process would allow consumers to make an informed decision, while bad knowledge would lead them down a path of frustration.

Optima Restore

  • Optima Restore is one of the best health Insurance plan provided by Apollo Munich Health Insurance.
  • For this plan, Minimum entry age is as follows:
For individual plans18 years65 years
For floater plans91 days21 years
  • In this plan, the sum assured amount usually ranges from Rupees 3 lakh to 15 lakh.
  • Also, the premium amount is Rupees 5000.
  • Lifetime renewal facility is there.

Heartbeat

  • Another amazing and beneficial health Insurance plan provided by Max Bupa Health Insurance is Heartbeat.
  • For this plan, there are no age restrictions. Member of any age can join .
  • The plan offers maternity benefits
  • In this plan, the sum assured amount usually ranges from Rupees 2 lakh to 50 lakh.
  • The plan offers coverage for vaccination of children, up to the age of 12 years
  • Also, the premium amount is Rupees 3700.  
  • The company also offers coverage for homeopathic and other ayurveda treatments

Health Insurance for Individual

  • This plan is offered by Bajaj Allianz.
  • For this plan, Minimum entry age is 18 years and Maximum entry age is 65 years as on last birthday.  
  • In this plan, the sum assured amount usually ranges from Rupees 1.5 lakh to 50 lakh.
  • In this plan, the company offers coverage for the AYUSH treatment (Ayurveda, Yoga, Unani, Siddha and Homeopathy)
  • Also, the premium amount is variable with the Sum assured amount that means it depends upon the sum assured amount of the plan.

Health Suraksha Plan

  • The Health Suraksha Plan is also one of the best health Insurance plan provided by HDFC Ergo.
  • For this plan, there are no age restrictions. Member of any age can join.
  • In this plan, the sum assured amount usually ranges from Rupees 3 lakh to 10 lakh.
  • Also, the premium amount is variable with the Sum assured amount that means it depends upon the sum assured amount of the plan.

Care Health Insurance Plan

  • This plan is offered by Religare Care.
  • For this plan, Minimum entry age is 05 years and there is no maximum age limit for the members.  
  • This plan offers the facility of lifetime renewal
  • In this plan, the sum assured amount usually ranges from Rupees 2 lakh to 60 lakh.
  • Also, the premium amount is Rupees 2300.  

Note: the above-given statistics have been recorded from www.bankbazaar.com

Hence these are some of the best Health Insurance plan that you can take into consideration.

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