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Best health insurance in India | Top health insurance provider

Updated on 09.09.2016

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health insurance in India. the details of health insurance

Now a days Medical expenses for an individual or a family has reached to the sky limit. You can’t control the medical expenses as per your account. So some times your financial security has came under threat to bare the medical expenses. In this scenario health insurance is the best option for covering your medical costs. Just think you will be benefited by cashless hospitalization and can stay free from mental stress. So we have listed top 5 best health insurance in India here to minify your search for best insurance policy in india.

Health insurance is outlined as “coverage that provides for the payments of benefits as a result of sickness or injury. Includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment”.Health insurance policies insure you against several diseases and assure your financial security. At the time of choosing the best insurance plans in India you should keep in mind the following criteria.

  • Low premium.
  • Total amount of sum assured.
  • Covering of pre and post hospitalization expenses.
  • Day-care treatment expenses.
  • Cashless hospitalization benefit or Reimbursement at the end.
  • Covering of critical illness.
  • Renewal features.

These all are the health insurance benefits in India.

Best health insurance in India

Here we provide you the details of 5 best health insurance in India or best insurance policy in India where you can obtain maximum insurance benefits.

  1. Bharati AXA :

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Bharti AXA provides health insurance with lots of benefits to take care of you and your family’s health care needs. They have wide range of Health Insurance schemes which are flexible and affordable. Bharati AXA provides

  • Cashless hospitalization at over 4000 hospitals (cancer hospitals, neurology hospitals, eye hospital, heart hospital, infertility clinic) across India
  • Day-care procedures
  • Pre and post hospitalization expenses
  • Double sum insured
  • Unlimited room rent (on selected health plans)
  • Lifetime renewal
  • Tax benefit under section 80 (D) up to Rs 25,000
  • 24×7 claim assistance and easy claim settlement process
  • 5% renewal discount every year maximum up to 25% on a progressive scale
  • Dedicated Claims Handler for health insurance claims

They have 3 plans to offer – Rs. 2 lakhs, Rs. 3 lakhs and Rs. 5 lakhs – according to your needs and budget. 3 lakhs and 5 lakhs plan covers 20 most critical illness and the assured sum is doubled in both cases. That means you will receive hospitalization benefit of of Rs. 3 lakhs and Rs. 5 lakhs as well as additional lump sum amount of Rs. 3 lakhs and Rs. 5 lakhs respectively. This cover is applicable after 60 days of commencement of the policy and is subject to 30 days survival period and is separate and additional to the hospitalization cover. So it is one of the best health insurance in India.

They also offers the health insurance for the foreigners coming for medical tourism.

Detailed Insurance plan

2. Bajaj Allianz :

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Bajaj Allianz offers Complete Health Protection for an Individual with tax benefit and they also Insure your family against expensive treatment costs. Bajaj Allianz offers Individual health guard policy (covers you against rising medical costs payable during hospitalization and medical emergencies), Family health guard policy (It provides the benefits of protect health of you and your family members simultaneously), Extra care policy (allows you to extend your existing health insurance cover by 2-3 times at a significantly low cost), premium personal guard policy (Personal accident insurance policy ensures financial security to get protected from sudden mishaps), Silver health plan (Plans for for senior citizens which covers pre & post hospitalization expenses, pre-existing illness, ambulance charges) and Critical illness policy (It covers the critical illnesses like cancer, tumors or strokes etc. and defray the high treatment costs.

Detailed Insurance plan

3. Religare health insurance :

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Religare health insurance plans have salient features like

  • Cashless treatment at 4500+ hospitals & Daily allowance
  • Auto recharge of your policy Sum Insured.
  • Health check-ups for insured members, every year.
  • Avail treatment anywhere in the world.
  • No ‘Claim based’ loading & Get Lifetime opening for renewal.
  • No paperwork. Buy & get policy online in 2 mins.
  • A perfect harmonize of hospitalization and maternity insurance
  • Waiting period of 24 months for maternity related claims.
  • New born baby cover.

They offers the plans like individual and family health insurance plan, Maternity health insurance plan, Critical illness benefit plan, personal accident insurance plan, travel insurance plan and top up insurance plan.

Religare health insurance also offers the health insurance for the foreigners coming for medical tourism.

Detailed Insurance plan

4. The Oriental Insurance Company Ltd. :

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If you are seeking a Govt. health insurance company instead of a private one then The Oriental Insurance Company Limited is perfect one for you. It is a public sector general insurance company. They provide health Insurance for all ages through wide range of Policies and offers 10 types of health insurance policies.

So you can see, Oriental Insurance covers both the individual and family.  Buying a new Health Insurance policy or Renewing an existing Oriental Insurance Mediclaim Health Insurance policy is very easy. You have to register yourself on their Portal and pay online through your debit card / credit card or Net-banking.

Detailed Insurance plan

5. United India Insurance company Ltd. :

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United India Insurance company Ltd.

Another very popular public sector health insurance company is United India insurance company Ltd. United health insurance India is a Nationalized company which has 18300 work force spread across 1340 offices providing insurance cover to more than 1 Crore policy holders.

United health insurance India offers a large number of health policies like

  • Family Medicare
  • Family Medicare 2014
  • Individual mediclaim
  • Gold
  • Platinum
  • Senior citizen
  • Topup
  • Super topup
  • UNI criticare
  • Workmen medicare policy

Their policies covers the general illness as well as critical cases including CANCER, FIRST HEART ATTACK, CORONARY ARTERY SURGERY (CABG) Open Chest CABG, HEART VALVE REPLACEMENT, COMA OF SPECIFIED SEVERITY, KIDNEY FAILURE, MAJOR ORGAN / BONE MARROW TRANSPLANT, MULTIPLE SCLEROSIS, MOTOR NEURONE DISEASE, PERMANENT PARALYSIS OF LIMBS etc.

Detailed Insurance plan

Some another health insurance companies are ICICI Lombard Health InsuranceStar Health InsuranceApollo Munich Health InsuranceSBI Health Insurance.


 

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