Benefits of Buying Health Insurance

1.Comprehensive Coverage

Health insurance plans typically cover a wide range of medical services, including hospitalization, surgery, prescription medications, diagnostic tests, and more, providing comprehensive coverage for various healthcare needs.

2.Financial Protection

Health insurance plans typically cover a wide range of medical services, including hospitalization, surgery, prescription medications, diagnostic tests, and more, providing comprehensive coverage for various healthcare needs.

3.Preventive Care

Many health insurance plans offer coverage for preventive services such as vaccinations, screenings, and check-ups, helping you maintain good health and detect any health issues early.

4.Peace of Mind

Having health insurance gives you peace of mind knowing that you and your family are protected against unexpected medical expenses, reducing stress and anxiety about healthcare costs.

5.Avail Cashless Hospitalization Facility

Health insurance plans often offer the convenience of cashless hospitalization, allowing you to receive medical treatment at network hospitals without having to pay upfront.

6.Tax Benefits

It enables you to save tax on the health insurance premium that you’ve paid under section 80D of the Income Tax Act for better financial planning.

Things to Check Before Buying Health Insurance

Waiting Period

Opt for a health insurance policy with minimal waiting periods for swift coverage access. The shorter the waiting period, the quicker you can avail of benefits. Be sure to thoroughly review the policy terms & conditions to confirm waiting period details before making your purchase.

Sub-Limits

Select a health insurance plan without sub-limits for unrestricted claim benefits up to the sum insured amount. Review the policy wordings to identify any sub-limits applicable to the health plan.

Co-Payment

Choose a health insurance plan without co-payment to eliminate out-of-pocket expenses for each claim. Before purchasing the policy, review the policy documents to understand any potential co-payment requirements.

Room Rent Capping

Ensure your health insurance plan works for you by opting for coverage without room rent capping. Avoid restrictions on room charges, giving you the flexibility to choose the accommodation you need during hospitalization. Select freedom and flexibility with insurance plans free from room rent capping.

Best Health Insurance Plans

Health Insurance Company & Plan Name

Sum Insured (In INR)

We assist you in selecting the ideal health insurance plan tailored to your specific health needs. Explore our curated list of health insurance plans from India's leading insurance providers.

Key Benefits

TATA AIG GIC LTD.

Medicare Premier

Min -5 Lac

Max-3 Cr

• Consumable Cover

• Health Checkup Included

• Ayush Treatment Covered

• Maternity Covered (After 2 Years)

• OPD Treatment Covered

• Global Covered(Planned)

• Restore Benefits (Once in a year)

• No Room Rent Capping

• Day Care Treatment Covered

• Daily Cash Allowance

CARE Health Insurance

Care Supreme

Min -5 Lac

Max-1 Cr

• Restore Benefit (Unlimited times)

• No Room Rent Capping

• Ayush Treatment Covered

• Hospitalisation at Home Covered

• Consumable Covered (Optional)

• Bonus Upto 600% (Optional)

• OPD Treatment (Optional)

• Health Checkup (Optional)

• E-Consultation Covered

• Day Care Treatment Covered

HDFC ERGO Health Insurance

Optima Secure

Min -5 Lac

Max-2 Cr

• Consumable Cover

• Health Checkup Included

• Ayush Treatment Covered

• Daily Cash Allowance

• Hospitalisation at Home Covered

• Restore Benefits (Once in a year)

• No Room Rent Capping

• Day Care Treatment Covered

NIVA BUPA Health Insurance

ReAssure

Min -5 Lac

Max-1 Cr

• Consumable Cover (Optional)

• Health Checkup Included

• Ayush Treatment Covered

• Daily Cash Allowance

• Hospitalisation at Home Covered

• Restore Benefits (Unlimited Times)

• No Room Rent Capping

• Day Care Treatment Covered

*The above Data is subject to change with time*

*Please Read Policy Document Before Purchasing*