Best Health Insurance In India: Buy Cheapest Health Plan

Which is Best Health Insurance in India?

1. HDFC Ergo Health Insurance - The HDFC ERGO Health Insurance Company is a joint venture between HDFC and ERGO.ERGO International and HDFC Limited have entered into a joint venture. As a result, In 2020, HDFC Health Insurance merged After getting Apollo Munich Health Insurance, A license from the Insurance Regulatory and Development Authority(IRDA). As of now, The second-largest player in the health insurance industry is HDFC, a Health insurance company owned by a private company. There are more than a dozen locations for the company More than 200 cities, 170 branches, and 7000 employees working for it.

Features & Benefits of HDFC Ergo Health Insurance

Benefits of Free Health Checkups - HDFC Ergo's health plans offer free health check-ups for insured members. There is a limit to the number of health check-ups that can be obtained after 1-4 continuous policy years.
Employer coverage with additional protection - Through HDFC Ergo's health insurance plans, individuals can enhance their coverage under group health plans. If you have group health insurance through your employer, the level of coverage and benefits might be limited. With HDFC Ergo, you can add to your existing group plan and ensure better coverage if you buy independent health plans.
The cashless benefit - Cashless claim settlements are available for the company's policies so that you do not have to bear the financial burden of your health claims. For cashless claims, HDFC Ergo has partnered with more than 10,000 hospitals in India. With pre-authorization in just 22 minutes, you can receive cashless treatments without worrying about high medical costs.
Settlement Ratio for Claim - An insurance company's Claim Settlement Ratio (CSR) measures how many claims it settles relative to the number of claims it receives over the course of a financial year. For FY 2019-20, HDFC Ergo has settled most of its claims and has an overall CSR of 86.52%. It is important to note that the claim settlement ratio changes over time.
Benefits from taxes - Section 80D allows you to deduct the premiums you pay for health insurance. The section of the Income Tax Act that allows deductions for up to Rs. 55,000 (Rs. 25,000 for individuals and Rs. 30,000 for senior citizens) includes premiums paid for your parents' policies. Furthermore, there are a few best health insurance plans by HDFC as follows-:
Optima Secure health insurance
Optima Restore health insurance
My Health Suraksha
Health Wallet Plan
Energy Plan
Medisure Super Top Up

2. Tata Aig Health Insurance - In 2001, Tata AIG General Insurance Company Limited was founded. AIG and the Tata Group are in a joint venture. A variety of non-life insurance products are offered by the company, including home insurance, motor insurance, travel insurance, health insurance, and commercial insurance. Innovative risk solutions are provided by Tata AIG Insurance. Tata AIG comes with amazing health insurance plans for you and your family as follows-:

Medicare Plan
Medicare Premier Plan
Medicare Plus Plan

3. Niva Bupa Health Insurance - Niva Bupa Health Insurance Company Limited (formerly Max Bupa Health Insurance) was formed in 2008 as a standalone health insurance company. A Niva Bupa Health insurance company backed by True North and Bupa aims to reach Rs. 2,500 crores by 2021-22 by maintaining strong growth in the market. By focusing on customer-centricity, product innovation, and digital capabilities, the insurer aims to provide financial assurance and healthcare access to its customers. Individuals can choose from a variety of health insurance plans designed to meet their specific needs. Whether you are an individual, a family, a senior citizen, a woman, a parent, a self-employed person, or a child, you can find affordable health insurance here. Additionally, the insurance company offers painless health insurance claims. Due to the absence of third-party agents, the claims are settled directly. Cashless treatment is available at more than 7,000 hospitals across the country through the insurance company. In addition, the insurer promotes healthy living among its customers. Health App and AnyTimeHealth (ATH) kiosks are some of the digital solutions it has introduced for this purpose.
Features and Benefits of Niva Bupa Health Insurance

Free Health Checkup: Additional Benefits - Health insurance policies offered by Nia Bupa Health Insurance include free health check-ups every year or every two or four policy terms. Policyholders can monitor and maintain their health with this benefit
Over and Above Employer-Provided Coverage - An employer's health insurance policy may not cover all your major healthcare expenses. The Niva Bupa Health Insurance plan comes into play here. Your employer's health insurance plan does not cover all the major expenses covered by the comprehensive plan offered by the insurer.
Benefits From Taxation - Under Section 80D of the Income Tax Act, 1961, you can avail of tax benefits on the premium you pay for Niva Bupa Health Insurance plans. It is important to note that tax benefits are only available if the payment is not made in cash.
The Cashless Benefit - More than 7,000 hospitals are part of the Niva Bupa Health Insurance network. As long as the healthcare expenses are covered under the policy, the insured can receive cashless treatment at these hospitals. When treatment is received at these hospitals, the insurer ensures a smooth claim settlement. Furthermore, the company promises to pre-authorize your cashless claims within 30 minutes of the claim being notified, thereby speeding up the settlement process.
The Ratio of Claims Settled - With a Claim Settlement Ratio of 89.46%, Niva Bupa Health Insurance has successfully settled numerous claims over the years. As a result, the insurer is able to handle customer claims well. Investing in a health insurance plan depends largely on the company's CSR. CSRs can, however, change from time to time.
Medical Expense Coverage - Among the major healthcare expenses covered by Niva Bupa Health Insurance are in-patient hospitalization, pre-hospitalization and post-hospitalization expenses, daycare expenses, ambulance costs, domiciliary costs, and organ donor costs. Adding further it has some worthy insurance plans as follows-:

Reassure plan
Health companion plan
Health recharge
Health pulse
Health premia
Senior first

4. Care Health Insurance - In addition to providing health insurance services, Care Health Insurance (CHI) offers financial inclusion services as well. A key tenet of CHI's operating philosophy is its commitment to deliver excellence in customer service, product innovation, and value-for-money services through the effective use of technology. Retail products offered by Care Health Insurance include Health Insurance, Critical Illness Coverage, Personal Accident Coverage, Top-up Coverage, International Travel Insurance, and Maternity Coverage. Group products include Group Health Insurance and Group Personal Accident Insurance.
Features and Benefits of Care Health Insurance

Insured Amount - Up to Rs., 6 crores is insured with Care Health Insurance.
The Renewal Process - Care Health Insurance offers lifelong renewal options for its health insurance policies.
A Cashless Hospitalization System - There are 8350+ cashless hospitals and 15500+ cashless healthcare providers available to insured members.
Restore The Benefit - When your insurance coverage is exhausted, the sum insured will be automatically recharged at no additional charge.
Bonuses For No-Claims - With the No Claim Bonus, the sum insured increases by 100% for every year without a claim. The company reimburses ambulance expenses
Checkup For Health - The super annual health check-up is available to insured members regardless of their claim history.
Process For Filing a Claim - There is no third party involved with Care Health Insurance. Direct claim settlement is hassle-free with the company.
Payment of Premiums - Health insurance premium payments can be made online through the company's website, so there is no paperwork to fill out.
Coverage Under Insurance - There is no sub-limit on vital expenses, and there is no co-payment up to the age of 60 for pre- and post-hospitalization expenses.

Best Health Insurance Policies Offered By Care Insurance

Care advantage plan
Care joy plan
freedom plan
Care senior plan
Care heart plan
Care enhance plan

Best Health Insurance Company In India

Company Name	Network Hospital
Hdfc ergo health insurance	10000+
Tata AIG health insurance	7200+
Care health insurance	8250+
Niva Bupa health insurance	8583+

Optima Secure Health Insurance - It gives you an incredible 4X coverage at no additional cost with Optima Secure health insurance, which redefines the value of health insurance. You are now able to purchase Optima Secure at no additional cost by taking advantage of The cost installment benefit (which applies to one-year policies). All debit and credit card holders can use this option. It's not done yet. In addition to these benefits, you can also look forward to no room rent capping, a wider range of pre and post-hospitalization procedures, unlimited day-care procedures, and exclusive discounts.
Optima Restore Health Insurance - Selecting the right health insurance plan is essential when it comes to protecting your family's health. In addition to cashless treatment at our network hospitals, you also receive other great features with Optima Restore.
100% Restore Benefit - Get 100% of your basic Sum Insured restored instantly after the first claim. Optima Restore is a unique health plan that restores your sum insured on partial or complete utilization of your health cover, for your future needs.
The Benefit of a 2X Multiplier - An increase of 50% in the basic Sum insured for every claim-free year, up to a maximum of 100%.
Checkups are Complimentary - A regular health checkup keeps track of your well-being and helps diagnose illnesses early. Renewing your policy brings you access to preventive health check-ups up to 10,000.
My Health Suraksha - Priority has always been given to health! Health Suraksha aims to protect you from soaring medical expenses. My: health Suraksha is an ideal health cover for individuals, families, and seniors looking for a range of 3 to 5 lacs of coverage.
Health Wallet Plan - What are the benefits of health insurance for healthy people? What is the point of having to pay for your OPD expenses? The Health Wallet has everything you need and more. Health insurance is being redefined and revolutionized with the introduction of the health wallet plan In a few years, Reserve Benefit will pay for itself because it is flexible and comprehensive.
Energy Plan - Diabetes patients can benefit from Energy Plan, which provides insurance and personalized management plans. Furthermore, this plan is also a health insurance product for people suffering from Type 1 diabetes, Type 2 diabetes mellitus, pre-diabetes (IFG, IGT), or hypertension. There are two variants of the Energy plan - Gold and Silver. Co-payment options are available for both variants. 20% of the claim amount will be your responsibility. The Gold segment of HDFC ERGO Health Insurance offers twice-yearly medical check-ups at no cost to you. For the Silver segment, you must undergo a medical check-up twice at your own expense at a diagnostic center in order to qualify for Wellness Benefits.
Medisure Super Top-Up - If even your existing health insurance isn't enough to handle health issues at times, may your health thrive always. You and your family don't have to worry about rising medical costs. Make sure you get the best medical care possible with my: Health Medisure Super Top-up.

a. Secures the family in one bond.
b. From the age of 61, premiums are constant.
c. Up to the age of 55, no health checkups are required.

My health Koti Suraksha - With my: health Koti Suraksha, you can enjoy quality healthcare while beating ever-increasing medical inflation. In addition to hospitalization costs, critical illness treatments, major surgery costs, daycare procedures, and so much more, this health insurance covers a wide range of medical expenses. When my: health Koti Suraksha is backing you up, you can rest assured that we will cover the high cost of your healthcare while you focus on taking care of yourself. By doing so, you will be prepared in case of a medical emergency without having to worry about losing your life savings.
HDFC Ergo iCAN - Cancer is impossible to predict. One in ten Indians will develop cancer during their lifetime, according to a WHO report. In light of that, getting cancer insurance is a wise decision. HDFC ERGO Health's iCan Cancer Insurance provides you with health insurance coverage along with lump sum benefits to help you win the battle against cancer. Remember to never give up.

Medicare plan - Designed to address the growing cost of medical expenses today, this is a simplified and comprehensive health insurance plan. A dependent child between 91 days and 5 years can be insured only if both parents purchase the policy. Age 65 is the maximum entry age. In addition to the global cover, lifelong renewals, bariatric surgery cover, and a strong network of over 3,000 hospitals across India, TATA AIG MediCare offers its policyholders a wide range of benefits. Moreover, it offers a variety of discounts based on the policy's terms or other factors.
Medicare Premier Plan - With Medicare Premier, you have medical insurance across the globe. With the auto restore feature, you and your family get a No Compromise cover up to 50 Lacs. Over 5800 hospitals offer cashless benefits.
Medicare Plus Plan - This top-up policy from Tata AIG offers several features and benefits that are suitable for your needs at an affordable price. Medical expenses covered by the policy are reimbursed if they exceed the deductible. This policy can be proposed by anyone who is between 18 and 65 years of age and includes up to 7 family members including themselves, their spouses, up to three children, and up to two parents. Insured sums and deductibles range from Rs. 3 lakhs to Rs. 1 crore and Rs. 2 lakhs to Rs. 20 lakhs, respectively. Depending on your budget and requirements, you can purchase a policy for 1 year, 2 years, or 3 years. With Medicare Plus, the insured is covered for a wide range of medical expenses. An inpatient hospitalization, a second opinion, a daycare procedure, a specific number of days' pre-hospitalization and post-hospitalization expenses, an AYUSH benefit, ambulance coverage, organ donation costs, domiciliary treatment costs, and global coverage (optional). Aside from coverage benefits, the policy offers other benefits such as tax deductions on premiums paid, lifetime renewals, and cumulative bonuses. Simply put, the policy protects you and your loved ones completely.
Criticare Plan - It is a special health insurance policy offered by Tata AIG that provides a lump sum payment upon diagnosis of certain critical illnesses so that the policyholder can use the money for treatment. In addition to tax benefits under section 80D, the policy does not require a medical examination.

3. Niva Bupa Health Insurance - Niva Bupa Health Insurance Company Limited (formerly Max Bupa Health Insurance) was formed in 2008 as a standalone health insurance company. A Niva Bupa Health insurance company backed by True North and Bupa aims to reach Rs. 2,500 crores by 2021-22 by maintaining strong growth in the market. By focusing on customer-centricity, product innovation, and digital capabilities, the insurer aims to provide financial assurance and healthcare access to its customers. Individuals can choose from a variety of health insurance plans designed to meet their specific needs. Whether you are an individual, a family, a senior citizen, a woman, a parent, a self-employed person, or a child, you can find affordable health insurance here. Additionally, the insurance company offers painless health insurance claims. Due to the absence of third-party agents, the claims are settled directly. Cashless treatment is available at more than 7,000 hospitals across the country through the insurance company. In addition, the insurer promotes healthy living among its customers. Health App and AnyTimeHealth (ATH) kiosks are some of the digital solutions it has introduced for this purpose. Adding further it has some worthy insurance plans as follows-:

Reassure Plan - It offers both individual coverage and family floater coverage with Niva Bupa Health Insurance's ReAssure Policy. There are various sum insured options ranging from Rs. 3 lakhs to Rs. 1 crore, so you can choose as per your needs. In addition to hospitalization expenses and daycare expenses, the policy also covers modern treatments and ambulance expenses. As well as covering hospitalization, it also covers emergency road and air ambulance expenses, second medical opinions, and home hospitalization expenses. As its name suggests, the policy provides complete coverage for COVID-19-related treatments. There is also good news: the policy has a 15-day waiting period, which means you can begin using the policy benefits 15 days after it was enacted. As well as offering coverage benefits, the policy provides a free look period, lifetime renewal benefits, portability and migration benefits as well as tax benefits.
Health Companion Plan - A Health Companion Policy offered by Niva Bupa Health Insurance covers a wide range of healthcare expenses for both individuals and families. Depending on your budget and requirement, you can choose from a range of sum insured options starting at Rs. 2 lakh and going as high as Rs. 1 crore. In terms of coverage benefits as well as sum insured options, variants 1, 2, 3, and Family First differ from one another. Both a one-year and a two-year subscription are available. The second-year premium can be discounted when you buy it for two years. As a top-up, you can choose from deductibles ranging from Rs. 1 lakh to Rs. 10 lakhs. As part of the Health Companion Policy, the insured receives several benefits, including organ donor expenses, inpatient hospitalization expenses, pre-hospitalization and post-hospitalization expenses, daycare expenses, health checkups, domiciliary hospitalization expenses, and modern treatments. In addition, you can include two optional covers in your policy, hospital cash and Safeguard (rider), to add additional coverage to the benefits of your base policy. In addition to the refill benefit, a No Claim Bonus, a lifetime renewability benefit, and a tax benefit under Section 80D, there are other benefits of the policy. As a result, the policy offers many benefits which may help the insured in case of a medical emergency and are therefore a preferred option.
Health Recharge - Niva Bupa Health Insurance offers a Health Recharge Policy as a super top-up plan. Affordable premiums cover you and your family members. In addition to yourself, you can include your legally wedded spouse and up to four children. Various sum insured options are available, starting at Rs. 2 lakhs and going up to Rs. 95 lakhs. E-Saver and super top-up plans require you to choose a deductible option, which ranges from Rs. 10k to Rs. 1 lakh. In addition to in-patient hospitalization expenses, pre-hospitalization and post-hospitalization expenses, organ transplantation, e-consultations, daycare expenses, alternative treatment, and emergency ambulance expenses, the policy covers several healthcare expenses. A premium can be paid at the time of policy purchase to include add-on coverage under this policy. Among them are personal accident insurance, critical illness insurance, and modifications to the room rent. Despite having a basic health insurance policy, the policy offers wide coverage.
Health Pulse - Health Pulse Policy offers comprehensive coverage for people aged 91 days to 65 years old. As the policy comes with an affordable premium, it is easy on the pocket. With this policy, you can choose between two variants with different sums insured ranging from Rs. 3 lakhs to Rs. 25 lakhs. The policy covers a variety of healthcare expenses, including pre-hospitalization and post-hospitalization expenses, in-patient hospitalization expenses, annual health check-up coverage, alternative treatments, home hospitalization expenses, ambulance charges, organ donation charges, pharmacy charges, and diagnostics. It's available on an individual or family floater basis. Under this policy, you will also receive several additional benefits, including lifetime renewability, tax benefits according to current tax laws, a free look period, No Claim Bonus, a refill benefit, etc. To enhance your coverage, you can also add several additional benefits to the policy. In addition, there is a critical illness cover, e-consultations, and personal accident expenses. After a waiting period of 15 days, you can begin receiving coverage benefits under this policy.
Health Premia - An indemnity-based health insurance policy offered by Niva Bupa Health Insurance provides all-around coverage for you and your family at an affordable price. There are three variants of the policy: Silver, Gold, and Platinum, which can be purchased individually or as a family floater based on your needs. As part of the policy, you will be covered for almost all healthcare expenses, such as inpatient hospitalization, daycare expenses, ambulance charges, maternity expenses, travel insurance coverage, e-consultations, mental health treatment, etc. From as low as Rs. 1 lakh to as high as Rs. 3 crores, the policy offers wide coverage for sum insured options to the insured. By paying an additional premium at the time of policy purchase, you can select additional coverage benefits in addition to the base coverage as per your needs. There are various types of coverage available, including personal accident insurance, critical illness insurance, loyalty enhancements, health coaching, and hospital cash. A lifetime renewal benefit is offered to the insured under the policy. If covered under any variant of the Health Premia Policy, you will also receive a premium waiver benefit, a refill benefit, and a 15-day free-look period.
Senior First - One of the most well-known insurance companies, Niva Bupa, offers exclusive health insurance coverage. Niva Bupa offers affordable health insurance plans that cover every aspect of healthcare. The healthcare needs of senior citizens are substantial, so it is necessary for them to have health insurance. There are many benefits offered by Niva Bupa Health Insurance's Senior Citizens plan. A wide network of over 4,500 hospitals and over 2,000 doctors are available to Niva Bupa Health Insurance customers for cashless treatment. Furthermore, it provides a delivery service for medicines and diagnostic samples at home.
Heartbeat Plan - Niva Bupa Health Insurance offers an extensive medical insurance policy called Heartbeat Policy that comes in four different variants: Gold, Silver, Platinum, and FamilyFirst. While the coverage benefits and features between the variants differ, all of them offer affordable premiums and good coverage benefits. There are a number of sum insured options available in these variants, starting from Rs. 5 lakhs and going as high as Rs. 1 crore. As per your needs, the policy can be purchased individually or as a family floater. With this policy, you can add on several additional benefits for additional coverage. The coverage includes hospital cash, accident insurance, critical illness insurance, e-consultations, and premium waivers. Your policy covers a variety of healthcare expenses, including emergency road ambulance costs, inpatient hospitalization costs, vaccination costs for newborn babies, daycare costs, pre- and post-hospitalization costs, alternative treatment costs, etc. Affordability, lifetime renewability, no waiting period for accidental hospitalization, and a free look period make this policy attractive. There are many benefits to the policy, making it a popular choice among consumers.
Go Active - Niva Bupa, formerly Max Bupa, offers a comprehensive health insurance plan called GoActive that covers your medical expenses. The GoActive plan provides cashless OPD and diagnostic services as well as comprehensive health coverage. Individuals and their families are covered.
Criticare Plan - If you do not have a critical illness policy, medication and treatment expenses can be high and difficult to manage. Health insurance is crucial to cover critical illnesses in case you are diagnosed with any of the listed critical illnesses. You can use it to cover expenses that you would otherwise have difficulty paying. A reliable critical illness plan named Criticare Policy is offered by Niva Bupa Health Insurance. It covers people diagnosed with any of the 20 critical illnesses listed in the Niva Bupa Criticare Policy. Insureds are protected from losing their savings when they receive expensive treatment for these critical illnesses due to this policy.
Personal Accident Plan - An accident is a traumatic event that occurs in the life of an individual which is unintentional, unplanned, and unpredictable. 'Niva Bupa' has developed personal accidental insurance with a number of benefits so that people can be protected from such a disaster. As part of AccidentCare, the best plan of Niva Bupa for personal accident insurance, 26 benefits are covered. These are some of the key features of the Niva Bupa AccidentCare Personal Accident Plan:

Enjoy stress-free living with coverage up to INR 10 crore.
Accidental inpatient hospitalization coverage without cash
An amount of INR 1 L per week can be claimed for Temporary Total Disability Benefit at 2% of the base sum insured
Payments for child education and placement support along with education counseling.
A lump sum payout is provided for outstanding loans through the Loan Protector policy.

4. Care Health Insurance - In addition to providing health insurance services, Care Health Insurance (CHI) offers financial inclusion services as well. A key tenet of CHI's operating philosophy is its commitment to delivering excellence in customer service, product innovation, and value-for-money services through the effective use of technology. Retail products offered by Care Health Insurance include Health Insurance, Critical Illness Coverage, Personal Accident Coverage, Top-up Coverage, International Travel Insurance, and Maternity Coverage. Group products include Group Health Insurance and Group Personal Accident Insurance.

Care Advantage Plan - You and your family have adequately covered with Care Advantage's comprehensive medical insurance policy up to Rs. 1 crore. If you are hospitalized for more than 24 consecutive hours, the policy covers your hospitalization expenses. This policy can be purchased individually or as floater by people over the age of 18 or their family members. Depending on your budget and other needs, you can purchase a policy for 1 year, 2 years, or 3 years. Fortunately, this policy has no maximum entry age restriction. The policy covers a variety of expenses, including inpatient hospitalization expenses, pre-hospitalization, and post-hospitalization expenses, organ donation expenses, and daycare expenses. The policy offers other benefits such as automatic restoration of the sum insured, a No Claim Bonus of up to 50% for every year without a claim, a free look period, and a grace period.
Care joy Plan - The Miracle of Life is one of the most overwhelming experiences in life. There are many enjoyable moments and sudden spouts of worries and concerns that come with being a mother or a parent. In such a situation, Care Health Insurance Joy Plan can be of great assistance to you. From delivery to post-natal expenses, this plan covers all other expenses related to your new baby. In summary, this plan combines hospitalization and maternity coverage in an ideal way.
Care Freedom Plan - As its name suggests, Care Freedom Policy provides you with healthcare coverage without worry. Care Freedom 1 and Care Freedom 2 are the two variants of the policy. It is 18 years of age for adults to enter the policy and 90 days of age for children to enter. However, in the second variant, the minimum age to enter the policy is 46 years for the eldest insured person (on a floater basis), 18 years for other adults, and 90 days for children. This policy requires a minimum age of 18 for the proposer. The policy can be purchased either individually or as a family floater (up to six members). One of the highlights of the policy is that it does not require a medical check-up before the policy starts, is lifelong renewable, has tax benefits under Section 80D of the Income Tax Act, 1961, allows cashless treatment, settles claims directly with the insurer, provides annual health checks for all insured individuals as adults, and has a 2-year waiting period for pre-existing diseases. As well as this, the policy offers a variety of coverage features in order to keep the insured protected at all times. Expenses such as pre-hospitalization, post-hospitalization, road ambulance, lodging, etc., are covered. At your convenience, you can purchase a policy for one year, two years, or three years. You should, however, consider buying it for a longer period of time to avoid frequent renewals.
Care Senior Plan- Medical insurance for seniors is affordable with Care Senior Plan by Care Health Insurance (Religare). There are two types of coverage available: individual and floater. There are four sum assured options available: Rs. 3 Lakh, Rs. 5 Lakh, Rs. 7 Lakh, and Rs. 10 Lakh. With no-claim bonus and no-claim bonus super options, you can increase your sum assured by up to 150%. It is an optional cover to have a no-claim bonus super. This policy does not require a medical checkup prior to purchase. It covers doctor consultations, diagnostics, and pharmacy expenses up to Rs. 5000 per policy year as an additional benefit. The SMART SELECT benefit can also be opted out under this plan, resulting in a 15% increase in premium.
Care Heart Plan - Indemnity-oriented Care Heart Plan by Care Health Insurance (Religare) covers the actual medical costs incurred in the event of a medical emergency requiring hospitalization and treatment. Unlike other indemnity health plans, this plan provides free annual heart-related health screenings. In this way, the plan allows policyholders to prevent heart-related ailments by allowing them to have regular health check-ups. It offers both inbuilt and optional coverage benefits. With the inbuilt benefits, the policyholder gets all-around coverage while the optional benefits can be chosen according to their coverage needs. With this plan, you can select custom coverage options and four different sum insured options. Two lakhs, three lakhs, four lakhs, five lakhs, seven lakhs, and ten lakhs are sum insured options.
Care Enhance Plan - A super top-up health insurance policy, Care Enhance covers you for illnesses whose treatment expenses tower above your expectations and are too critical to ignore. Enhance 1 and Enhance 2 are the two variants of this policy. Their coverage benefits differ as well as their sum insured and deductible options. For Enhance 1, you have a choice of the sum insured between Rs. 1 lakh and Rs. 30 lakhs, while for Enhance 2, you have a choice between Rs. 45 lakhs, Rs. 30 lakhs, and Rs. 55 lakhs. Until 50 years of age, there is no requirement for a pre-policy medical checkup if the deductible and sum insured combined do not exceed Rs. 40 lakh. Additionally, you can receive selected medical treatment worldwide with Enhance anywhere. Thousands of leading hospitals across India are covered under the policy, so treating patients cashlessly is hassle-free. In-patient care, daycare expenses, pre-hospitalization, and post-hospitalization expenses are some of the coverage benefits you can take advantage of if covered by the policy. Additionally, the policy provides floater coverage as well as tax benefits based on Section 80D of the Income Tax Act, 1961.

Best Health Insurance Plan For Senior Citizens In India

1. HDFC Ergo Health Insurance

Senior Optima - An excellent medical insurance plan specifically designed for seniors, Optima Senior is offered by HDFC ERGO General Insurance. Health care for you and your spouse is provided hassle-free throughout their lives. There is a maximum cover of Rs. 5 lakhs offered by this plan. It eliminates the need to pay additional loadings in case of illness. This plan is available to individuals over 61 years of age. In addition, if you cover yourself and your spouse, you will get discounts and other benefits. A wide variety of benefits are covered by this plan. There is no max entry age, no claim-based loading or underwriting, e-opinion, portability benefits, and no claim-based discount. Besides this, you can get organ donor coverage, emergency ambulance coverage, and in-patient hospitalization coverage.
Health Suraksha - A health insurance plan like my: Health Suraksha Policy by HDFC Ergo is one you cannot ignore. With this plan, you can choose a sum insured ranging from Rs. 3 lakhs to Rs. 75 lakhs. There are three options: Silver Smart, Gold Smart, and Platinum Smart. The name of the plan implies that it can be purchased at any age and it can be renewed for as long as the policyholder lives. In addition to comprehensive benefits, the policy offers the option to pay a yearly premium in 3, 6, or 12 equal installments. A long-term medical insurance policy of up to three years is also offered under this plan at an affordable premium rate. To provide its policyholders with proper and comprehensive coverage, the plan offers features such as in-patient hospitalization, pre- and post-hospitalization, domiciliary hospitalization, and daycare treatment. As well as these benefits, the plan also provides some beneficial elements such as exclusive features such as air ambulance coverage, recovery benefits, infertility coverage, wellness features such as fitness discounts during renewal, and health incentives for maintaining health. Additionally, Flexi benefits include the option of capping room rent and co-paying to receive discounts on premiums. Additionally, there are some discount options such as a family discount, long-term policy discount, and loyalty discount.

2. Tata Aig Health Insurance

Medi Senior - Retirement should be a time of health and peace for senior citizens. The Medi Senior Senior Citizen Health Insurance Plan is designed with dignity and self-reliance in mind. As long as the hospital definition is met, it covers treatment in all hospitals in India. This medical insurance policy covers the insured as well as his or her spouse if he or she is at least 61 years old. This plan is available to people of any age. It is possible to purchase the policy for a sum insured of Rs. 2 lakhs, Rs. 3 lakhs, or Rs. 5 lakhs. A number of benefits are provided to policyholders by it. There are many benefits, including domiciliary treatment coverage, organ donation coverage, daycare coverage, discounts, and a free look period.