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Health Insurance: What is a health insurance plan?

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Health insurance is a type of insurance plan in which the insured gets financial assistance in medical emergencies.

Provides financial assistance to cover expenses such as surgical expenses, nursing care expenses, critical illness expenses, etc., in the chosen health insurance of the insured.

Health Insurance: What is a health insurance plan?
Health Insurance: What is a health insurance plan?
  • The insurer provides all savings as per the IRDAI-approved insurance plan. Standard T&C Apply
  • *Tax benefit is subject to changes in tax laws. Standard T&C Apply

What is health insurance plan?

In a health insurance plan, the insured gets financial help in case of medical emergencies under the insurance coverage purchased from the insurance company of his choice. This insurance company provides coverage to the insured during medical treatment. Under a health insurance plan, the insured benefits from cashless medical or reimbursement payments.

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Also Read: Top Maternity Insurance Plans

Importance of health insurance plans

The situation of doing or getting the treatment done does not come by telling. Due to the fatal risks involved in today’s lifestyle, having a health insurance plan has become imperative. Besides, diseases in India are also high due to many factors. Due to the increasing demand for hospitals and medical services, inflation is also being seen in the cost of medical treatment; And this scene is mostly seen in private hospitals. Without any insurance plan, your pocket can be affected in case of any medical emergency.

Best health insurance plans in India

Insurance companyHealth insurance planSum Assured (in Rs.)claimed ratioNetwork Hospital
Aditya Birla Health InsuranceActive Assure Diamond PlanMinimum: 2 Lakh
Max: 2 cr
59%6000+
Bajaj Allianz Health InsuranceHealth guard planMinimum: 1.5 Lakh
Max: 50 Lakh
85%6500+
Bharti AXA Health InsuranceSmart Health Assure PlanMinimum: 3 Lakh
Max: 5 Lakh
89%4300+
Care Health Insurance (formerly Religor Health Insurance)Care Health Care PlanMinimum: 4 Lakh
Max: 6 cr
55%7400+
Chola MS Health InsuranceChola Healthline PlanMinimum: 2 Lakh
Max: 25 Lakh
35%6500+
Digit Health InsuranceDigit Health Insurance PlanMinimum: 2 Lakh
Max: 25L
11%5900+
Edelweiss Health InsuranceEdelweiss Health Insurance PlanMinimum: 5 Lakh
Max: 1 Crore
115%2578+
Future Generali Health InsuranceFuture Generali Criticare PlanMinimum: 5 Lakh
Max: 50 Lakh
73%5000+
IFFCO Tokyo Health InsuranceHealth Protector Plus PlanMinimum: 2 Lakh
Max: 25 Lakh
102%5000+
Kotak Mahindra Health InsuranceKotak Health Premier Plan47%4800+
Liberty Health InsuranceHealth Connect Supra Top-up PlanMax: 1 Crore82%3000+
Niva Bupa Health Insurance (formerly known as Max Bupa Health Insurance)Companion Individual Health PlanMinimum: 3 Lakh
Max: 1 Crore
54%4115+
ManipalCigna Health InsuranceProhealth planMinimum: 2.5 Lakh
Max: 1 Crore
62%6500+
National Health InsuranceNational Parivar Mediclaim Plusup to 50 lakhs107.64%6000+
New India Assurance Health InsuranceNew India Assurance Senior Citizen Medi Claim PolicyMinimum: 1 Lakh
Max: 15 Lakh
103.74%3000+
Oriental Health InsuranceIndividual Mediclaim Health PlanMinimum: 1 Lakh
Max: 10 Lakh
108.80%4300+
Raheja QBE Health InsuranceHealth QBEMinimum: 1 Lakh
Max: 50 Lakh
33%2000+
Royal Sundaram Health InsuranceLifeline Supreme PlanMinimum: 5 Lakh
Max: 50 Lakh
61%5000+
Reliance Health Insurancecritical illness insuranceMinimum: 5 Lakh
Max: 10 Lakh
14%4000+
Star Health InsuranceFamily Health Optima Insurance PlanMinimum: 1 Lakh
Max: 25 Lakh
63%9800+
SBI Health InsuranceArogya Premier PolicyMinimum: 10 Lakh
Max: 30 Lakh
52%6000+
Tata AIG Health InsuranceTata AIG Medicare PlanMinimum: 2 Lakh
Max: 10 Lakh
78%3000+
United India Health InsuranceUnited India UNI Criticare Health PlanMinimum: 1 Lakh
Max: 10 Lakh
110.95%7000+
Universal Sompo Health InsuranceIndividual Health PlanMax: 10 Lakh92%5000+

Disclaimer: *PolicyBazaar does not endorse, rate or recommend any particular insurance product offered by any insurer.

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