Medical prices are rising, and health insurance is now essential for every individual and family to cover emergency medical bills. A health insurance policy protects you from excessive medical bills, hospitalization costs, and pre-medical and post-medical expenses.
When selecting a health insurance plan, you should comprehend the inclusions, limitations, terms, benefits, and so on. To assist you, below are some of the finest Health Insurance Policies in India for 2022.
Best Health Insurance Plans in India
Activ Health Platinum Plan by Aditya Birla
This insurance plan covers medical bills ranging from Rs 2 lakh to Rs 2 crore. The Aditya Birla Activ Health Platinum plan is an excellent alternative for people looking for a comprehensive plan for themselves since it offers several benefits that are ideal for them.
The following are the primary aspects of the policy:
It covers pre-hospitalization expenses for 60 days and post-hospitalization charges for 180 days, and it covers chronic conditions including diabetes, asthma, and high blood pressure beginning on the first day of coverage.
It pays for tests, consultations, and drugs. Furthermore, illness, obesity treatment, and home care are covered up to the insured amount. The policy covers Rs 1,000 in the outpatient department (OPD) visits (available for a sum insured of Rs 15 lakh and beyond).
STAR Health’s Senior Citizens Red Carpet Health Policy
The policy provides coverage ranging from Rs 1 lakh to Rs 25 lakh, with over 12,000 network hospitals.
This insurance is specifically created for older folks aged 60 and over. Other health insurance policies often include a 65-year-old age limit. The insurance is available on an individual and family basis and includes tenure choices of one, two, and three years.
The following are the plan's main features:
There is no requirement for a pre-insurance medical exam, and an amount insured of up to Rs 25 lakh is supplied.
It covers daycare procedures, surgeries, and cutting-edge therapies including deep brain stimulation, robotic surgery, intravitreal injections, bronchial thermoplasty, and others. From the second year, the coverage covers pre-existing diseases.
ICICI Lombard’s Complete Health Insurance Policy
The policy provides coverage ranging from Rs. 1 lakh to Rs. 50 lakh, with a network of over 6,500 hospitals. The ICICI Lombard Complete Health Insurance plan is a complete health insurance policy for individuals and families.
Key characteristics include:
It covers pre-existing conditions for two years after the coverage begins (available on a plan with a sum insured of Rs 3 lakh and above)
There is no co-pay or pre-medical check-up required for policyholders under the age of 45. Every year, a family floater plan offers two complementary health check-up vouchers.
Star Family Health Optima
The policy provides coverage ranging from Rs 1 lakh to Rs 25 lakh, with over 12,000 network hospitals. The policy protects the entire family on a family floater basis for a low premium.
The plan's main characteristics
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If the policyholder is involved in an accident, the insured money is immediately enhanced by 25% (up to 5 lakhs) (subject to add-ons).
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If the policyholder fails to renew the coverage, they have a 120-day grace period to do so.
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It covers hospitalization expenses such as room charges, medication, and drugs. In addition, 10% of the money covered is set aside for expenditures such as emergency ambulance and air ambulance fees.
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It covers pre-hospitalization charges for 60 days and post-hospitalization expenses for 90 days. It pays for organ transplants costing up to Rs 1 lakh.
