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Health Insurance Benefits and Plans in India

Many of us have misread the benefits of India health insurance policy by limiting its coverages to only hospitalization.

Quoting the same, one can't get sufficient health insurance policy coverage when he doesn’t know how to use it. Now, Health insurance India policy coverages are changing for better, thanks to the new health insurance companies adopting new coverage options. IRDA brought around some changes in issuing medical insurance policy. Now the insurers are required to adopt the terms and generate best health insurance policy that is benefitting the customer.

You should note these extended coverages and benefits within the best health insurance policy:

  • Lifelong policy renewability
    Your new India health insurance policy now comes with life-long renewability. However this extension will not apply for existing policy holders.
  • No Sub-limits
    India health insurance policy holders are now set free from incorporated payments like sub-limits, sum insured restrictions, room rents and any other hospitalization charges. Your premium will only be calculated purely based on your previous health and future necessities.
  • No premium hikes
    Your claims with health insurance policy will not affect the premiums that you are going to pay. Your new and best health insurance policy has modified their premium structure to benefit their consumers. 
  • Zonal premiums
    If you are going to buy a best insurance policy you need to consider your locality too. Now, the premiums are calculated based on your location.
  • Cover Restoration  
    Your India health insurance policy benefits most with this upgraded feature. This addition enables the sum insured replenishment when your sum insured is totally cleared within the policy period. Your medical insurance India policy gives you the best health insurance coverage.

By now you know what India health insurance policy benefits you. So, why wait! Act quickly and call us for purchasing best health insurance policy or medical insurance India policies from prominent health insurance companies. Dial 1800-123-4006/1800-123-4003 and quote for best health insurance policy or logon to www.policybachat.com to chat directly with our medical insurance specialist.

India Health insurance policy not only benefits you or your wife and children but it also offers coverage to your parents along with your in-laws. There are some medical insurance India plans that add advantage in more than one way.

Allowance on Daily hospital cash

As you know best health insurance policy covers your hospitalization expenses. But are you aware there are some health insurance India plans that cover the expenses which are incurred during your stay in hospital along for the food or refreshments. This is Daily Hospital cash. Now check for this plan within your best health insurance policy.

Recuperation benefits

While choosing a best insurance policy, go for the plan that covers you till your complete recovery. There are some health insurance companies that issue coverage till the recuperation of their policy holder.

Substitute treatment

Best health insurance policy now is providing coverage for any alternative of allopathic treatment. India Health insurance plans covers for your homeopathic or unani treatments.

In-house treatment

Your in-house treatment will also be covered with medical insurance. Medical insurance India offers coverage for the treatments done at the policy holder's home.

Critical illnesses

Health insurance India, covers your regular hospitalization charges and also insures you for critical illness conditions, where your sum insured will be doubled and issues coverage till a specific period after the treatment.

To know more about the benefits of best health insurance policy logon to www.policybachat.com or call us on 1800-123-4006/1800-123-4003. We are here to help you effectively and immediately.

To summarize, India health insurance policy benefits you in a long run with its efficient coverages and benefits. One should be clear with the terms of the health insurance policy to get benefitted from it. By now it is clear that Medical insurance India is a vital aid in your tough times; then why late? Logon to www.policybachat.com and buy a best health insurance policy.

Here is a look at some of the best in individual, family and senior health care plans available:

Individual Plans

Religare Care

  Minimum Maximum
Entry Age 18 years (91 days for dependent children) No maximum age
Premium ₹2050 ₹215222
Sum Assured ₹3,00,000 ₹60,00,000.

Features:

  1. Automatic Policy Recharge
  2. Critical care facility anywhere in the world
  3. Premium discount on higher policy periods
  4. No claim bonus of 10% p.a to a maximum amount of 50% of sum insured
  5. The Everyday Care-Wellness Package allows consultations at reduced rates from empanelled doctors, surgeons and healthcare specialists with a maximum of 4 visits for the same illness.
  6. No sub-limits on expenses on most of the plan’s packages.
  7. It can be extended to a family floater policy covering six members. This also allows coverage for children up to 25 years which is longer than most policies.

Bajaj Allianz Health Guard

  Minimum Maximum
Entry Age 18 years (3 months for dependent children) 65 years
Premium ₹1882 ₹23000
Sum Assured ₹2,00,000 ₹1,00,00,000

Features:

  1. All claims are processed in-house, with no need to deal with TPAs.
  2. In the case of critical illness, policyholders covered above five lakhs can ask for a second opinion from an empanelled doctor.
  3. For two or more people from the same family covered in the same insurance policy, there are discounts on the premium
  4. After a waiting period of 4 years, Lasik eye surgery is covered
  5. Medical check-up required at and over 46 years of age.

Family Plans

Royal Sundaram Lifeline Elite

  Minimum Maximum
Entry Age 18 years (91 days for dependent children) No maximum age for adults (Maximum age 21 for coverage of dependent child)
Premium ₹3341 ₹63,466
Sum Assured ₹25,00,000 ₹1,50,00,000

Features:

  1. An ISO certified claims process
  2. 3000 hospitals in the network allowing cashless hospitalization
  3. A long period of day-car coverage
  4. Maternity benefits are covered
  5. No maximum entry age, and no maximum renewal age
  6. Medical coverage includes ambulance expenses, organ donation procedure expenses, vaccination for animal bites and even worldwide emergency coverage under certain plans.
  7. One excellent feature: Accident coverage is present immediately after taking the policy
  8. Daily cash allowance for under the Royal Sundaram Family Good Health Insurance scheme for each insured person, up to a maximum amount of days

Star Family Health Optima

  Minimum Maximum
Entry Age 18 years (16 days for dependent children) No maximum age for adults (Maximum age 21 for coverage of dependent child)
Premium ₹3890 ₹34700
Sum Assured ₹2,00,000 ₹15,00,000

Features:

  1. 400 day-care procedures are covered
  2. Children can be brought into coverage as young as 16 days old
  3. Over 6000 network hospitals for cashless facility
  4. All records like medical and others can be maintained online, minimizing hassle.
  5. Automatic benefit restoration, if a policy is exhausted during the term year. This prevents the family from suffering if there is a serious illness that exhausts the policy
  6. Mandatory medical check up post 50 years of age, which is done at company’s cost.

Senior Citizen Plan

National Insurance Varistha Mediclaim

  Minimum Maximum
Entry Age 60 years None
Premium ₹6187 ₹9178
Sum Assured Mediclaim: ₹1,00,000, Critical Illness: ₹ 2,00,000 Same as Minimum sum assured

Features:

  1. No maximum entry age
  2. Lifelong renewability
  3. One year waiting period for pre-existing diseases
  4. Covers some non-allopathic treatment
  5. Increase in sum insured by 5% for every claim-free year

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