Medical costs are on the rise and a health insurance cover has become necessary for individuals and families to cover emergency medical expenses. A health insurance plan provides protection against high medical charges, hospitalisation expenses, pre-medical, and posts medical expenses.
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However, you should understand the inclusions, exclusions, terms, features, etc., while choosing a health insurance plan.
To help you in the process, here are some of the best Health Insurance Policies of 2022 in India.
1. Aditya Birla Activ Health Platinum Plan
This insurance policy covers Rs 2 lakh to Rs 2 crore in medical expenses and there are 10,000 plus Network Hospitals in the network.
The Aditya Birla Activ Health Platinum plan is a good option for individuals who are looking for a comprehensive plan for self as it includes many benefits suitable for them.
Key Features of the plan:
It covers 60 days of pre and 180 of post-hospitalisation costs and covers chronic conditions such as diabetes, asthma, high blood pressure from day one of the policy.
It covers costs related to tests, consultation, and medicine. Also, illness, obesity treatment, home treatment is covered up to the sum insured.
The policy has an outpatient department (OPD) coverage of Rs 1,000 (available for sum insured of Rs 15 lakh and beyond).
2. STAR Health’s Senior Citizens Red Carpet Health Policy
The policy cover is Rs 1 lakh to Rs 25 lakh, Network Hospitals: 12,000 plus
This policy is specially designed for senior citizens of age 60 years and above. Other health insurance plans usually have an age cap of 65. The policy has tenure options of one, two and three years, which is available on individual and family floater basis.
Key Features of the plan:
No pre-insurance medical test is needed and a wide sum insured coverage of up to Rs 25 lakh is provided.
It includes coverage for day care procedures, surgeries, modern treatments such as deep brain stimulation, robotic surgeries, intra vitreal injections, bronchial thermoplasty, and others.
The policy covers pre-existing illnesses from the second year of the policy.
3. ICICI Lombard’s Complete Health Insurance Policy
The policy cover is Rs 1 lakh to Rs 50 lakh and Network Hospitals: 6,500 plus
The ICICI Lombard Complete Health Insurance plan is a comprehensive health policy for an individual and for family, with different sub-plans.
It covers pre-existing diseases after two years from the policy start date (available on a plan with sum insured of Rs 3 lakh and above)
No co-pay or pre-medical check-up is needed for policyholders till the age of 45.
Two complimentary health check-up coupons are provided every year for a family floater plan.
4. Star Family Health Optima
The policy cover is Rs 1 lakh to Rs 25 lakh, Network Hospitals: 12,000 plus
The policy gives protection to the entire family on a family floater basis at an affordable premium.
Key features of the plan
The insured sum insured is automatically increased by 25 percent (up to 5 lakhs) if the policyholder meets with an accident (subject to add-ons).
In case the policyholder fails to renew the plan, then they have 120 days’ grace period to renew it.
It covers hospitalisation cost, including room charges, medicine, and drugs. Also, 10 percent of the sum insured is allocated for expenses such as emergency ambulance charges and air ambulance expenses.
It covers 60 days of pre-hospitalisation and 90 days’ post-hospitalisation expenses. It covers organ transplant expenses up to Rs 1 lakh.
5. HDFC ERGO Health Suraksha
This policy covers Rs 3 lakh to Rs 10 lakh and Network Hospitals: 13,000 plus
This insurance plan offers optimised coverage at an affordable rate without any age restriction.
Key features of the plan:
The policy covers day care, Ayush treatment, organ donation expenses
It offers maternity benefits, newborn baby cover along with mental healthcare and air ambulance expenses.
Pre-hospitalisation expenses for 60 days and post-hospitalisation expenses for 90 days are covered.
(Edited by : Sudarsanan Mani)
First Published: Jul 6, 2022 3:02 PM IST
