Top 5 best insurance plan

By | August 8, 2021

Significant progress has been made in medical technology in the last few decades, with the help of which it has now become possible to treat many such diseases, which were not there before. With the advent of new technology continuously, the cost of treatment has also increased significantly. This expenditure is becoming a matter of concern for the middle class people. Due to the high cost of operations, medical procedures, medicines and other medical expenses, every person must take a health insurance plan.

expert opinion


Let us know about some health insurance plans and their benefits as well as premiums. According to Subhash Nagpal, an expert in the insurance sector and CEO of ComparePolicy.com, in today’s era, everyone must have a good health policy. But choosing the right health policy is a tough task. In such a situation, let us know what are the 5 good health insurance policies and what are the facilities available in those health policies.
HDFC ERGO Health Suraksha Silver Plan
This policy has been designed to ensure medical treatment without worrying about the cost. This policy has the flexibility to choose any room in the hospital. Along with this, there is also an option to get coverage for Maternity and Critical Illness. You can buy this policy by spending Rs 621 per month.The premium for these health insurance plans has been calculated for 2 adults (assuming the age of the elder member is 30 years). These health insurance plans have an insurance cover of Rs 5 lakh with a policy term of 1 year.

Key Benefits of HDFC ERGO Health Suraksha Silver Plan

Post-hospitalization expenses like room rent, operation theater charges, ICU charges, etc. are covered in this policy.

Day care procedures are covered for up to 144 days.
The expenses incurred on the treatment of the organ donor are covered.
Domiciliary hospitalization taken at home is covered.
Pre-hospitalization expenses are covered up to 60 days prior to hospitalization.
Post-hospitalization expenses are covered up to 90 days after discharge from the hospital.
In addition, the expenses incurred for AYUSH treatment are payable.
Religare Care Health Insurance Plan
It is a comprehensive health insurance plan that protects you and your family from the financial risks of sudden medical expenses. This plan provides basic and value added health coverage. This plan can be purchased for an individual or for the entire family. This policy can be purchased by paying just Rs.845 per month.
-The premium for these health insurance plans has been calculated for 2 adults (assuming the age of the elder member is 30 years). These health insurance plans have an insurance cover of Rs 5 lakh with a policy term of 1 year.

Key Benefits of Religare Care Health Insurance Plan

Room rent, nursing expenses, doctor’s fees, medicines, etc., are covered during treatment in the hospital.

Pre-hospitalization expenses are covered up to 30 days prior to hospitalization.
Post-hospitalization expenses are covered up to 60 days after discharge from the hospital.
-170 days to cover procedures that require hospitalization for less than 24 hours.
Domiciliary hospitalization taken at home covers up to 10% of the sum assured.

Max Bupa’s Health Insurance Plan Companion
This plan provides complete health cover for you and your family. Also, in this plan, you can avail facilities like cashless medical facility and faster claim settlement. You can buy this health plan by paying Rs 917 per month.

-The premium for these health insurance plans has been calculated for 2 adults (assuming the age of the elder member is 30 years). These health insurance plans have an insurance cover of Rs 5 lakh with a policy term of 1 year.

Key Benefits of Max Bupa’s Health Insurance Plan Companion
This policy covers hospital expenses. Also, there is no ceiling on room rent.
Post-hospitalization expenses are covered up to 30 days prior to hospitalization and 60 days after discharge.
-All day care procedures/surgeries are covered.
Organ donor treatment is covered before organ donation.

Star Health Family Health Optima Health Insurance Plan
This
plan offers family health cover at an affordable premium. By taking this plan, you get complete cover, and you do not have to worry about the medical bills of yourself and your family. You can buy this plan by spending Rs 973 per month.

-The premium for these health insurance plans has been calculated for 2 adults (assuming the age of the elder member is 30 years). These health insurance plans have an insurance cover of Rs 5 lakh with a policy term of 1 year.

Key Benefits of Star Health Family Health Optima Health Insurance Plan

Hospitalization expenses like room rent, boarding and nursing expenses are covered in this policy.
-All day care procedures are covered.
Pre-hospitalization expenses are covered up to 60 days prior to hospitalization.
Post hospitalization expenses are covered up to 90 days after discharge from the hospital.
Domiciliary hospitalization taken at home is covered.
Organ donor expenses are covered to the extent specified in the policy.
Active Health Essentials Health Insurance Plan
This health policy from Aditya Birla Group provides cover to meet your health care needs. This policy provides comprehensive coverage and also rewards you for maintaining good health. In this you will also get cover for chronic diseases like diabetes, cholesterol, high blood pressure and asthma. You can take this policy at Rs 833 per month.

-The premium for these health insurance plans has been calculated for 2 adults (assuming the age of the elder member is 30 years). These health insurance plans have an insurance cover of Rs 5 lakh with a policy term of 1 year.

Key Features of Active Health Essential Insurance Plan

Post-hospitalization expenses like room rent, operation theater charges, doctor’s fees etc. are covered in this policy.
Expenses covered up to 30 days prior to hospitalization.
Expenses are covered up to 60 days after discharge from the hospital.
-527 Days-of-care procedures are covered that require hospitalization for less than 24 hours.
Domiciliary hospitalization cover is taken at home as per the conditions mentioned in the policy.

(Note: Some selected policies are mentioned in this article only for illustration. Apart from the above mentioned health policies, you can choose a health insurance policy by taking stock of other insurance schemes for yourself and your family.

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