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List of Health Insurance Plans in India

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Health Insurance Policies normally cover all medical expenses. Health insurance is also called medical insurance. It covers the costs pertaining to an individual’s surgical and medical expenses. The person deposits a fixed sum of money known as a premium over fixed periods of time for the health cover.

Policy Providers of Health Insurance in India

Here’s the list of the top health insurance providers in India that are making your health journey risk free.

1) Bajaj Allianz Health Insurance

The following are the benefits:

  • The claims made towards the company are passed within an hour if it’s a case of cashless claims.
  • The company has tied up with over 4000 hospitals and over 1200 clinics across the country.

A 24-hour assistance to insurance claims is provided.

The following plans are offered:

  • Bajaj Allianz Health Guard Individual policy
  • Bajaj Allianz Extra Care Health Plans
  • Bajaj Allianz Tax Gain Plan

2) Apollo Munich Health Insurance Company

The following are the benefits:

  • A renewal benefit for lifelong insurance is available.
  • All the expenses incurred are provided to the policyholders including pre-hospitalization and post-hospitalization.
  • In the case of a year with no claims the initial sum insured will be raised by 50% without any extra charges.

The following plans are offered:

  • Apollo Munich Optima Restore: A diverse plan for all your health concerns.
  • Apollo Munich Easy Health: A plan for a young family
  • Apollo Munich Energy: A perfect companion for your battle with Diabetes.

3) Star Health Insurance Company

The following are the benefits:

  • Direct in-house settlements are offered by the company and no third party is involved for the settlement of the claims
  • Personalized doctor visits are offered to the patients getting hospitalized by the company.
  • The company has its offices over 6000 branches all across India.

The following plans are offered:

  • Star Family Health Optima Insurance.
  • Star Senior Citizens Red Carpet Insurance.
  • Star Health Gain Insurance.

4) Religare Health Insurance:

The following are the benefits:

  • Insurance plans are offered to the families with a maximum of 6 members, 4 being adults and 2 being children.
  • The clients can avail medical check-ups that are absolutely free of cost.
  • Expenses up to 30 days and 60 days of pre- and post-hospitalization are offered.

The following plans are offered:

5) Max Bupa Health Insurance:

The following are the benefits:

  • Medical expenses are covered when the family members who are insured are hospitalized.
  • All sorts of hospital expenses are covered including room rent.
  • A cashless facility can be availed during hospitalization at the nearest hospital under the network.

The following plans are offered:

  • Max Bupa Health Companion Family First
  • Max Bupa Health Companion Family Floater Insurance Plan
  • Max Bupa Health Companion Family Floater Plan

Different Plans and Their Benefits- Health Insurance

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The cost of healthcare in India is constantly increasing. The current scenario requires special care of one’s health and also of the family.  With a rise in demand for health plans, several plans are available based on one’s requirements and needs. Given below are some of the plans:

Individual Health Insurance Policy:

This health insurance adheres to the needs of only one individual. Coverage is provided against specified illnesses. Many advantages are offered such as reimbursement, cashless hospitalization, coverage of post-discharge expenses along with pre-hospitalization expenses. Various other add-ons are available as well. However, the services are limited to one individual only.

Family Health Plan:

Under the Family Health Plan, the insurance is available for all the members of the family. Family policies offer a fixed sum assured to all the family members, which can be availed by one or all members of the family for claims during the duration of the policy. Due to a wider reach, family health plans are expensive as compared to the individual plans.

Senior Citizen Health Insurance:

As the name suggests this plan is formulated for senior citizens, anyone who has completed 60 years of age. The plan includes protection from the difficulties of old age. As per the IRDAI guidelines, these plans are to include people up to 65 years of age.

Surgery and Critical Illness protection Plans:

This particular plan is more than often bought for treatments of various critical illnesses such as paralysis, kidney failure, tumour or heart attack. Since these require highly expensive treatments, these plans are absolutely crucial. A critical illness can be said to be a possibly terminal disease. Most policies related to critical illness provide a lump sum policy.

Maternity Health Insurance:

Nowadays medical insurance companies cover several costs pertaining to pregnancy. Some of the costs included are pre-delivery costs and post-delivery costs and costs pertaining to delivery. Sometimes even the vaccinations of new-born babies are included.

Clare Louise

The author Clare Louise