Considering the current times, it has become necessary for everyone to take health insurance. This health insurance is not only necessary but a safety net which can be needed anytime. In the year 2024 it is more preferred to take health insurance plans. Here is the information about top 10 health insurance plans available in India. You read carefully and take advantage.
1. Star Health Family Health Optima Plan
The government has released a latest insurance scheme that covers all family members. Which is called Star Health Family Health Optima Plan. This insurance plan covers all hospital expenses. Like, hospitalization expenses, pre and post admission expenses, medicine expenses etc.
- The insurance amount ranges from Rs 3 lakh to Rs 25 lakh.
- key Features : The plant of this insurance plan covers all the family members at a single premium and there is a provision of claim bonus on renewals in this plan.
2. Apollo Munich Optima Restore Plan
The Apollo Munich Optima Restore Plan insurance plan is also a different type of insurance plan. It restores the sum assured if you have used the amount. This insurance plan is suitable for both families and individuals.
- The insurance amount ranges from Rs 3 lakh to Rs 50 lakh.
- Key Features: The special feature of this plan is that Covers all hospital expenses 60 days before and 180 days after the patient is admitted to the hospital.
3. HDFC Ergo Health Surya Comprehensive Plan
In this insurance plan of HDFC Ergo, the patient is paid for all hospital and medical expenses. It also provides for free health check-up every year.
- The insurance amount ranges from Rs 3 lakh to Rs 75 lakh.
- Key features: This insurance plan also covers maternity benefit, newborn cover and other optional medical expenses.
4. New India Assurance Mediclaim Policy
This scheme is the latest policy government health insurance scheme. This insurance provides all medical services free of charge in all major hospitals.
- The insurance amount ranges from Rs 3 lakh to Rs 10lakh.
- Key features: It covers all expenses related to accident and illness of the patient. And it does not require any medical tests.
5. Reliance Health Insurance HealthGain Plan
A very good helpgain plan. Which has a very suitable form for both the individual and the family.
- The insurance amount ranges from Rs 3 lakh to Rs 1 crore .
- Key features: This insurance plan also covers the patient’s hospital co-payment, ambulancecharges, daily allowance.
6. ManipalCigna Health Insurance Pro Health Plan
This insurance plan offers health-related features like maternity benefits, health check-ups, critical illness cover etc.
- The insurance amount ranges from Rs 2.5 lakh to Rs 50 lakh.
- Key features: The important thing about this plan is that medical inflation and global health care cover are also included.
7. ICICI Lombard Health Advantage Plan
This insurance plan is specially designed for families. It provides very good and highest level of medical coverage.
- The insurance amount ranges from Rs 5 lakh to Rs 20 lakh.
- Key features:The scheme also includes pre-hospitalization and post-hospitalization, day procedures and Ayurvedic treatment.
8. Edelweiss Health Insurance Comprehensive Plan
A health insurance plan is a very helpful and suitable form for a family. It offers various latest cover and tax benefits.
- The insurance amount ranges from Rs 3 lakh to Rs 50 lakh.
- Key features: Through this scheme, any hospital cover and cashless facilities are available in the world.
9. Bajaj Allianz Health Guard Plan
This plan is a cheap and good comprehensive plan which covers all the medical expenses of the patient.
- The insurance amount ranges from Rs 1.5 lakh to Rs 50 lakh.
- Key features: The scheme also includes the benefit of free patient health check-up, local treatment, daily cash bill in hospital.
10. Max Life Health Insurance Critical Illness Plan:-
This plan can suit anyone for critical illness coverage. The plan includes cover for more than 25 critical illnesses.
- The insurance amount ranges from Rs 5 lakh to Rs 1 crore.
- Key features: This scheme can provide financial security to the patient during long term illness.
If you need health insurance, keep everything in mind while choosing insurance. Like, your needs, your budget the condition of each family members etc. If you want to take insurance plans then first of all compare each insurance plans. And select the insurance plan afterunderstanding all the terms and conditions of each policy.
By taking this health insurance, your financial security is also ensured. And the medical needs of you and your family are also met. Choose any one of these top 10 health insurance plans in the world and strengthen your health security for you and your family.