In the last few years, the term medical insurance has touched the seventh sky with the new discoveries. Researches and studies show that changes in lifestyle of a normal human being makes us prone to fatigue and illnesses. The consequences of the same lead a person towards the unwanted health related issues and diseases that cost high and treatment of the same create a hole in the pocket of a normal person. In such cases, an effective health insurance plan comes as a saviour. Usually, a health insurance company plays a vital role when it comes to buying a health insurance plan as everyone wants to get the best one within their budget which can offer a wide coverage. Following are the five best health insurance policies in India that you can consider for yourself or for the protection of your family.
1.Apollo Munich Easy Health
Among various offerings of Apollo Munich Health Insurance, Apollo Munich Easy Health has come out as the best one among others. A person should consider this to secure his/her health. There are multiple benefits that Apollo Munich Easy Health offers such as:
• This plan offers in-patient treatment which is helpful to get the cover against hospitalization expenses for time period of more than 24 hrs.
• Provides pre-hospitalization cover through which you can get cover against the medical expenses that take place in 60 days before the hospitalization. While the post-hospitalization provide coverage for medical expenses incurred during post-hospitalization.
• 144 types of Day-Care medical expenses
• Domiciliary Treatment Expenses which is a beneficial feature of this plan allows you to avail medical treatment at home which would otherwise have required hospitalization are also covered under the plan.
These features make this plan as one of the best options available in the market.
2. ICICI Lombard Complete Health Insurance- iHealth
ICICI Lombard Complete Health Plan is referred to be the best plans among other health insurance plans which are offered by this insurance company.
• This plan comes out with several beneficial features such as -cashless hospitalization, free health check-up, tax benefit, free look period of 15 days, emergency ambulance cover and much more. It offers the lifelong renewalability option. In addition to treatment expenses and hospitalization expenses, this policy also covers expenses incurred due to daycare procedures.
One can enjoy a cashless facility at all cashless network hospitals under this plan.
3. Religare Health Insurance- Care
Religare care is a comprehensive health insurance plan that safeguards you & your family against financial risks arising out of a medical emergency. Religare care provides multiple numbers of benefits for the customers.
• It provides coverage for expenses related to room rent, day care procedures, ICU charges, domiciliary expenses, ambulance charges, pre/post-hospitalization expenses and medical check-ups.
• Domiciliary Hospitalization- This plan provides coverage against medical expenses incurred during your treatment at home for a period exceeding 3 consecutive days. So nothing should delay the treatment you deserve.
• All plans by Religare including 'care', come out with no upper age limit of enrollment i.e. even if a person is 100 years old, can apply for coverage.
4. Bajaj Allianz Health Guard
Bajaj Allianz Insurance Company has come out with several innovative and comprehensive health insurance plans and Bajaj Allianz Health Guard is one of them. This insurance policy offers the needful cover through which you can get quality treatment on time. This cover offers the best healthcare and medical treatment and keeps you financially secure.
These plans offer benefits like –
• The plan offers coverage against pre and posts hospitalization expenses that includes consultations, medicines, investigations, etc. related to the illness of policyholder.
• You will get the option of Lifelong renewability of the plan.
• The plan offers cashless facility at more than 4000 network hospitals across the country.
5. Max Bupa Health Companion Health Insurance Plan
Max Bupa Health Insurance offers Health Companion Health Insurance Plan. It provides customized insurance policies which can easily go well with the different needs of customers.
The benefits of the policy are like -
• Covers all hospitalization
• Pre & post hospitalization are included
• Avail in-patient treatment under Aayush up to the base sum insured
• Daily cash allowance.
There is no doubt in saying that ‘Health is Wealth’ and it is highly important to insure your health in advance so that you can easily fight against unforeseen medical emergencies. Investing in any one of the above health insurance policies is a great way to be ready in advance to beat costly medical emergencies. Just make sure you are choosing the best one which can easily go well with your needs.