When it comes to selecting the best health insurance plan for us or our family, for most of the time, we don’t know what to do. Mostly we couldn’t decide a particular health insurance while buying one. To take this burden off of your shoulder, we are providing a glance at the top 10 best health insurance plans that you can consider buying this year.
In today’s world, you can’t really deny the importance of having health insurance. The price of medical treatment is rising at full fledged on a daily basis and you can’t really predict your hospital bills.
However, when it comes to medi-claim policies, the market is already packed with various options to explore and it’s completely up to you to select the desired health insurance plan intelligently. And we can understand that it can be a tough job for you. So, to provide you with ease I’m giving you a list of top 10 health insurance policies you can consider buying in 2019.
1. Aditya Birla Active Assure Diamond Plan
Active Assure Diamond Plan from Aditya Birla comes at an affordable premium. This health insurance plan offers a range of benefits as well as comprehensive coverage. This health plan has been designed to offer you extensive health coverage. Some of the extraordinary features and benefits of this health insurance plan are listed below.
- This health insurance plan offers refill of the Sum Insured, in case the Sum Insured and No Claim Bonus (NCB)/Super No Claim Bonus is exhausted.
- Under this plan, an insured can get up to 150% of additional Sum Insured (Rs. 50 lakhs at the highest) for hospitalization in case of an unrelated illness.
- It offers coverage for alternative treatment procurers like unani, ayurveda, homeopathy and siddha for a pre-decided limit.
- Covers the pre-hospitalization expenses for 60 days and post-hospitalization expense for up to 180 days.
- The plan will also give personalized coaching by health professional who will instruct and guide the insured person in case they’re suffering from hyperlipidemia, hypertension, diabetes, asthma etc.
Aditya Birla Active Assure Diamond Plan covers a second opinion for a major critical illness like kidney failure, heart attack, cancer etc from a doctor of a network hospital.
2. Apollo Munich Optima Restore Family Health Insurance Plan
Apollo Munich’s Optima Restore Health Insurance Plan is basically a all-inclusive policy that comes with useful features like the recover benefits. Let’s find out some of the unique features and benefits of this plan below.It is one of the best insurance plan among the top 5 Best Health Insurance Plans.
- This policy has been designed to offer better coverage. The minimum Sum Insured itself is around 3 lakhs.
- This health plan automatically gives back the basic Sum Insured in case it is completely exhausted during a policy year.
- In case the coverage is used up, the Sum Insured is restored back at no additional cost.
- The policy also comes with a multiplier benefit in case policy claimed has been filed.
- The multiplier benefit under this plan doubles the Sum Insured in 2 claim free years
- You can get coverage for up to Rs. 50 lakhs by paying a higher premium with this health insurance plan.
- The policy also comes with children cover. It can cover children as young as 5 years.
- The maximum age to buy this policy is restricted at 65 years. However, the policy can be renewed throughout your life in a hassle free way.
Also remember there’s a waiting period of 3 years before you can get coverage for pre-existing diseases.
3. Star Family Health Optima
Family Health Optima health insurance plan from Star Health Insurance has been developed to offer safeguard for the entire family in exchange of a single premium payment under a floater Sum Insured. Some of the unique features that have given him a spot in the top 10 health insurance plans in 2019 are following.
- The policy offers compensation against Health Checkup expenses for up to Rs. 5,000/- once every 3 years of the policy coverage
- Under a single plan, this policy offers wider coverage for the whole family and that too at a reasonable premium.
- Comes with a 100% automatic restoration of total Sum Insured
- The policy covers new-born baby from 16th day of birth
- You can avail extra Sum Insured (auto recharge) without any additional cost, up to 30% of Sum Insured.
- It covers over 400 day care procedures
- For treatment exceeding three days, Domiciliary Hospitalization Expenses are covered.
- The coverage is expended to hospital charges, ambulance expenses, in-house treatments etc.
In case the Sum Insured is exhausted, it will be automatically restored. You can avail 3 auto-restorations in a single policy period. Star Health Insurance is associated with more than 6000 network hospitals.
4. Bajaj Allianz Family Floater Health Guard
Bajaj Allianz Health Guard health insurance policy is one of the best health plans from Bajaj Allianz General Insurance Company. The policy offers total coverage against health expenses. Some of the amazing features of Bajaj Allianz Health Guard policy are mentioned below. It is one of the best insurance plan among the top 5 Best Health Insurance Plans.
- This health insurance plan offers cashless facility through 4000+ network hospitals all over the country.
- The policy comes with a lifelong renewal facility.
- This health insurance plan offers coverage for pre-hospitalization expenses for 60 days and post-hospitalization expenses for 90 days.
- Organ donor expenses and daycare expenses are covered under this plan.
- Under this plan you can enjoy daily cash benefits.
5. SBI LifeSmart Health Insurance Plan
LifeSmart Health Insurance Plan from SBI General offers extensive coverage and benefits. Find out some of the major features of the policy below.
This health insurance plan provides coverage for individuals in the age group of 18 years to 65 years.In case of coverage for children, the minimum age of entry is set at 3 months. This can be a huge benefit for parents looking for coverage for newborn babies. The policy provides coverage in the range of Rs. 1 lakh to Rs. 5 lakhs.
You can cover as many as 6 members under this health insurance plan if you purchase this plan for your entire family.
For pre-existing conditions the waiting period is just 28 months.
The unique feature of this health insurance plan is that the premium does not improve even if you have filed any claim and this will remain static for the period of 5 years.
Well, these are the top 5 health insurance plans you should consider for your future health needs. When you need to protect yours or your family’s health with the best health plan you do not need to worry about paying heavy medical bills.
A small amount of premium that you pay now will come back with incredible benefits. Health insurance plan offer benefits in the longer-term. You can’t decline the significance of having the best health insurance plan. Everyone is well familiar of the saying ‘Health is Wealth’.
So, let’s just do our bit shield ourselves for the future bearing in mind that emergencies can occur at any point of time.
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