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Popular Health Insurance Policies
Choosing the best health insurance policy in India depends on various factors such as your age, health condition, budget, coverage needs, and preferences. However, some popular and well-regarded health insurance policies in India based on different categories are:
When choosing a health insurance policy, consider factors such as the network of hospitals, claim settlement ratio, waiting period for pre-existing diseases, coverage for critical illnesses, exclusions, add-on benefits, and customer reviews. It’s also advisable to compare multiple policies and consult with an insurance advisor or agent to understand the policy terms and make an informed decision based on your individual needs.
Health Insurance Policies
| Name | Coverage | Unique Feature | Network Hospitals | Additional Benefits |
|---|---|---|---|---|
HDFC ERGO Health Insurance - Optima Restore |
Hospitalization expenses, pre and post-hospitalization expenses, day-care procedures, maternity expenses, and critical illness cover. | "Restore" benefit to reinstate the sum insured if exhausted during the policy year. | Cashless treatment at over 10,000 network hospitals across India. | Lifelong renewability, no-claim bonus, optional add-ons for critical illness cover, personal accident cover, and more. |
Bajaj Allianz Health Insurance - Health Guard |
Hospitalization expenses, pre and post-hospitalization expenses, day-care procedures, critical illness cover, organ donor expenses, and more. | - | Cashless treatment at over 6,500 network hospitals nationwide. | Lifelong renewability, no-claim bonus, optional add-ons for maternity cover, personal accident cover, and wellness benefits. |
United India Insurance - Individual Mediclaim Policy
|
Hospitalization expenses, pre and post-hospitalization expenses, day-care procedures, and critical illness cover. | - | Cashless treatment at network hospitals and reimbursement for non-network hospitals. | Lifelong renewability, family floater options, optional add-ons for accidental disability cover, and room rent waiver. |
SBI Health Insurance - Arogya Premier Policy |
Hospitalization expenses, pre and post-hospitalization expenses, day-care procedures, maternity expenses, and critical illness cover. | - | Cashless treatment at over 6,000 network hospitals nationwide. | Lifelong renewability, no-claim bonus, optional add-ons for personal accident cover, daily cash benefit, and health check-ups. |
National Insurance - Parivar Mediclaim Policy
|
Family floater policy covering hospitalization expenses, pre and post-hospitalization expenses, day-care procedures, and maternity expenses. | - | Cashless treatment at network hospitals and reimbursement for non-network hospitals. | Lifelong renewability, optional add-ons for critical illness cover, personal accident cover, and education grant for children. |
Tata AIG Health Insurance - MediPrime |
Hospitalization expenses, pre and post-hospitalization expenses, day-care procedures, organ donor expenses, and critical illness cover. | - | Cashless treatment at over 7,000 network hospitals across India. | Lifelong renewability, no-claim bonus, optional add-ons for personal accident cover, international second opinion, and domiciliary hospitalization cover. |
Kotak Mahindra Health Insurance - Health Premier |
Hospitalization expenses, pre and post-hospitalization expenses, day-care procedures, critical illness cover, and maternity expenses. | - | Cashless treatment at over 5,500 network hospitals nationwide. | Lifelong renewability, no sub-limits on room rent, ICU charges, or doctor fees, optional add-ons for personal accident cover, and wellness programs. |
Future Generali Health Insurance - Health Total |
Hospitalization expenses, pre and post-hospitalization expenses, day-care procedures, organ donor expenses, and maternity expenses. | - | Cashless treatment at over 6,000 network hospitals across India. | Lifelong renewability, no-claim bonus, optional add-ons for critical illness cover, personal accident cover, and wellness programs. |
ManipalCigna Health Insurance - ProHealth Insurance |
Hospitalization expenses, pre and post-hospitalization expenses, day-care procedures, maternity expenses, and critical illness cover. | - | Cashless treatment at over 4,300 network hospitals nationwide. | Lifelong renewability, no-claim bonus, optional add-ons for personal accident cover, critical illness cover, and wellness programs. |
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