Health Insurance Importance and best health insurance plans in india


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What is Health Insurance?


Insurance is the act, system, or business of ensuring the property, life, one’s person, etc against loss or harm arising in specified contingencies, as fire, accident, death, disablement. Health insurance is an insurance which covers medical and surgical expenses of an insured individual. It reimburses the expenses incurred due to illness or injury.

Importance of health insurance.



Due to inflation quality healthcare, hospitalization is becoming very expensive. Health insurance is important for everyone. If we don’t ensure our health we will receive less medical care, will have worse health outcomes, and lack of health insurance is the burden for victim and families. The purpose of health insurance is to help you pay for care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive. We need health insurance because we cannot predict illness, what our medical bills will be. Our medical cost will be low for now but it may increase drastically in following years and will have to pay high medical expenses. If we have health insurance we don’t have to worry about the cost. We should not wait until our self or our  family members become seriously ill to purchase health insurance, indeed we need to prepare for beforehand. The best insurance policy in India always provides coverage for medical expenses in an extensive manner.

How to get insurance for health.

In order to get health insurance, we must go for the plan that offers maximum health coverage and maximum amount for treatment. With the inflation, health care expenses are going up drastically and therefore, we need a sufficient amount to deal with inflation. In India, we can pick from the 10 best health insurance plans looking at their eligibility, uniqueness of features, coverage, affordability, limits, and exclusions.

10 Best Health Insurance plans in India

  1. star Health for Senior Citizens Red Carpet.
  2. Star Health Cardiac Care.
  3. Apollo Munich Optima Restore.
  4. ICICL Lombard Complete Health Insurance.
  5. Max Bupa Heartbeat.
  6. Religare ‘Care’- Health Insurance policy.
  7. New India Assurance Janata mediclaim Policy.
  8. Bharti AXA Smart Health.
  9. Oriental Insurance happy Family Floater.
  10. L&T my: health Medisure Prime Insurance.

1.Star Health Senior citizen Red Carpet.

Old aged citizens can be availed the health insurance from Senior Citizen Red Carpet as this company’s intention was to serve the insurance needs of the old aged from (69 to 75). The sum assured of this company is between 1,00,000 to 5,00,000. It does not require medical screening and emergency ambulance charges are covered. 10% discount can be availed on providing test reports of stress thallium, BP report, sugar, blood, and urea. As this company is offering many benefits for old aged citizens, it will be better to get insured with this plan at old age.

  1. Star Health Cardiac Care.

Cardiac patients aged (10-65 years can be availed the health insurance from Health cardiac Care as this company has come forward to serve the insurance needs of cardiac patients, especially those who have undergone a heart surgery. The sum assured is between 3,00,000 to 4,00,000. It is the insurance for individual not for floaters.

  1. Apollo Munich Optima Restore.

Apollo Munich has taken an initiative by introducing Optima Restore which restores the basic sum assured ready to be utilized afresh. The person aged between( 18-65 years old ) who wants the benefits of this company can be availed Apollo Munich Optima restore health insurance. The sum assured is between 3,00,000 to 15,00,000. It is insurance for both individuals as well as floaters.

  1. ICICI Lombard Complete Health Insurance.

This is the insurance that covers all your family members including self, spouse, dependent parents, dependent children under a single plan. It provides free health checkup (2 times per year) and it provides online doctor chat. Those family who feels that they are benefited from this insurance plan can availed this health insurance. the assured sum is (3,00,000 to 10,00,000).

  1. Max Bupa Heartbeat.

Heartbeat is a family orientated insurance plan with minimal exclusions and unique features such as no lower or upper cap on entry age, inbuilt maternity and newborn benefits and much more. It provides free health check-up every second year. the assured sum is between (2,00,000 to 60,00,0000) The family who feels that this plan will benefit them will ensure this health insurance.

  1. Religare ‘care’- Health Insurance Policy.

This insurance company has no maximum age limit, and it provides free health check-up every year. We can avail the treatment anywhere in the world if we are insured with this insurance company.  The assured amount is between (2,00,000 to 60,00,000).

  1. New India Assurance Janata Mediclaim.

New India Assurance is leading health insurer in India and most trusted insurance sector as it offers amazing discounts and most affordable health plan. It gives the discount in premium for family cover. Its assured amount is ( 50,000 or 75,000). A person aged between (18-65 years old) will avail this health insurance by getting insured with this plan.

  1. Bharti AXA Smart Health.

Bharti AXA Smart Health is an innovative insurance plan that seems to truly care about the healthcare needs of the insured. It offers inbuilt critical illness benefits, personal accident and so forth. Inbuilt critical illness like cancer, first heart attack, heart valve, kidney failure, coma, major burns etc. The victims of those diseases can avail the health insurance by ensuring with this insurance plan. The assured amount is (50,000 t0 5,00,000).

  1. Oriental Insurance Happy Family Floater.

If the family wants to avail the health insurance they can go with Oriental insurance happy Family Floater plan as this is a floater covering the proposer and his/ her family under one sum insured.  It provides a discount in overseas medi claim policy premium when family floater policy is taken.  The assured amount of this plan is (1,00,000 to 10,00,0000. The person aged between (21 to 65) can be insured with this plan as well as it provides insurance for a floater.

  1. L&T my: health Medisure Prime Insurance.

This insurance plan provides many benefits such as Maternity benefits, newly born benefits, Lump sum recovery benefits given to take care of household expenses post-hospitalization, free checkup every alternate year. The person aged between (18-65) can be insured with this plan as well as floater can also avail the health insurance with this plan. The assured amount is (3,00,000 to 10,00,000).

So we need to get the health insurance according to our needs and we can avail the insurances from different plans of health insurances. We can choose the one which provides more benefits for us. For young and healthier person it is not necessary to get insured but it will be better if we prepared beforehand as we can’t predict our illness. For old aged peoples, it is necessary for them to get health insurance in order not to give burden to the family. We need to make a wise decision to buy individual or family floater insurance policy. Family floaters seem to be no barrier as they are very efficient but if one of the family members is older and weak it will be better to go for individual health insurance. Health insurance is very important for all of us and we need to get insured for our benefits.

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