I have categorized health insurance plans into 4 categories depending on different requirements. Based on your requirements pick a health insurance policy that suits your needs.
- Best Family Floater Health Insurance Plans in India
- Best Health Insurance in India for Individual
- Top Up/Super Top Up Health Insurance Policy
- Best Health Insurance Plan for Parents (Senior Citizen)
Before moving to the list of best health insurance policies in India 2025 let’s look at the important factors to consider before getting health insurance.
5 Factors You Should Consider Before Buying Health Insurance Plan in India
#1. Claim Settlement Ratio (CSR): It is the ratio of the total number of claims settled by the insurance company to the total number of claims received in the same year.
Expert tip: A high CSR indicates that the company is more likely to settle a claim without much hassles.
But consistent & reliable information on CSR is not available on the regulator’s or any website.
#2. Incurred Claim Ratio (ICR): is the ratio of the total amount of all claims received by a company to the total premiums collected in the same year.
Here is what it means:
- ICR > 100% – The insurance company is paying more in claims than it receives in premiums. Good for customers but bad for the financial stability of the company. Your insurance company will hike premiums or reject borderline claims.
- ICR between 50% – 100% – The insurance company is paying out claims and also getting new clients, i.e. financially stable.
- ICR < 50% – The insurance company is profitable charging high premiums but may be rejecting more claims.
#3. Network Hospitals: The insurer should have a good number of hospitals in its network in each city, which cater to various classes of people. Network hospitals should include nursing homes, day-care centers, and multi-specialty hospitals.
#4. Waiting Period for Pre-existing Illnesses: A longer waiting period for pre-existing illnesses can mean that you can’t make a claim for hospitalization, even though you are paying the premium.
Expert Finding: 2 years is the waiting period for pre-existing illness. However, there are some insurers who specify the waiting period to be 4 years.
#5. Cost of Premiums: The premiums no doubt vary across insurers, but what matters is – the benefits that you are going to get for the money you pay.
The premium should cover an acceptable room rent in any city, medical & surgical costs and also cover – cataracts, knee surgery and dialysis.
The insurer should have different types of plans suitable for different sections of people such as individual health plans, family floater plans, senior citizen health plans, top-up plans, and plans suitable for people with certain health conditions such as cancer and heart disease.
Top 5 Best Health Insurance Companies in India 2025
Let’s see what fits into our requirements from the list of best health insurance companies in India.
#1. Care Health Insurance

Care Health Insurance was earlier known as Religare health insurance.
Care Health Insurance is one of the best health insurance in India which offers coverage for health insurance, critical illness, personal accident, top-up coverage, international travel insurance, and maternity along with group health insurance.
The incurred claim ratio of Care health insurance is 53.82% and has over 24,800+ hospitals in its network.
#2. Tata AIG Health Insurance

Tata AIG Insurance is a trusted 23-year-old joint venture between Tata & AIG Group that carries a AAA (Stable) rating by ICRA for its ability to pay claims and policyholder obligations in a timely manner. The incurred claim ratio for 2022-23 was 78.33%.
The company has access to 11,000+ network hospitals.
#3. Niva Bupa Health Insurance

Niva Bupa was earlier known as Max Bupa Health Insurance.
Niva Bupa insurance offers coverage for a number of illnesses, access to hospital networks, and cashless claims.
Incurred claim ratio of Niva Bupa is 54.05%. Max has over 10,000+ hospitals in its network.
#4. ICICI Lombard Health Insurance

ICICI Lombard has a network of 10,800+ hospitals to avail cashless facilities.
According to IRDA, ICICI Lombard has a high ICR of 77.33% which indicates that people are renewing the policy and also making claims.
#5. Star Health Insurance

Star Health Insurance company provides a wide range of health insurance policies for individuals, families, senior citizens and those who need specialized care like heart patients and cancer patients.
Star has an Incurred Claim Ratio of 65% with a large network of 14,000+ hospitals.
Best Family Floater Health Insurance Plans in India 2025
#1. CARE Advantage Rs. 6 Crore Health Insurance Plan

Care Health Insurance was earlier known as Religare health insurance.
CARE Advantage health insurance offers high-policy coverage family floater plans in India. Care has launched the 6 Crore health plan with a motive to provide a higher health cover starting from Rs. 25 Lacs and up to Rs. 6 crore for small to large families. The floater combinations can be up to 2 Adults + 4 Children.
In the case of a claim-free year, the sum insured is increased by 10% as a No Claim Bonus (NCB). The increase is limited to a maximum of 50% in 5 consecutive years.
Highlights of Religare Care Advantage 6 Cr Plan
- Higher coverage for a large family
- Pre and post-hospitalization expenses cover
- Up to 50% no-claim bonus
- Organ donor cover
- Daycare treatment cover
- Emergency ambulance
Features & Benefit
Minimum age for cover | Named ailment wait period – 24 months Pre-existing disease wait period – 48 months |
Maximum age for renewal | Lifelong renewability |
Waiting period to cover pre-existing illness | Named ailment wait period – 24 months Pre-existing disease wait period – 36 months |
Pre-hospitalization | Covers expenses like doctor consultations, diagnostic tests, and medications up to 60 days post-hospitalization. |
Post-hospitalization | Recharge of the sum insured at no extra cost. But not for ailment already claimed during the same year. |
Restoration benefit | Recharge of sum insured at no extra cost. But not for ailment already claimed during the same year. |
Room Rent / ICU Charges | No sub-limits for Room Rent charges or ICU Charges. |
Exclusions | Self-inflicted injuries (suicide), injuries caused by alcohol or drug use, congenital disease, Infertility and sterility, change of gender treatments and expenses related to any admission primarily for diagnostics and evaluation purposes only. |
Advantages
- 6 Crore policy cover at a reasonable price
- No capping on Ambulance charges
- No cap on Room rent & ICU charges
- No maximum entry age
Disadvantages
- 20% Co-payment if the sum insured person takes medical treatment at any hospital not listed in the policy document
- 3 years of continuous coverage required to cover pre-existing illness
You can check out the different care insurance plans for different requirements like family floater, insurance for parents, or insurance for any specific disease.
#2. Tata AIG Medicare Premier Family Health Insurance Plan

Tata AIG carries an AAA rating by ICRA for its ability to pay claims and policyholder obligations in a timely manner.
Tata AIG Medicare is a comprehensive “Health Insurance” plan initially offered for 1,2 or 3 years. One can avail a long-term premium discount of 5% on a 2-year policy and 10% on a 3-year policy.
The best part is that the policy covers medical expenses incurred outside India with an optional Global cover rider. However, the initial diagnosis should have been done in India.
Tata AIG Medicare Premier sum insured ranges from Rs. 5 Lacs to Rs. 3 Crores.
Features & Benefits
Minimum Age for cover | Dependent children between 91 days and 5 years, only when both parents are getting insured |
Maximum Entry Age | 65 years |
Initial Policy issued for the period | 1/2/3 years with life long renewal option |
Policy Coverage | Individual or on a family floater basis. Maximum 7 members |
Waiting Period | Specified disease waiting period – 24 months Pre-existing disease waiting period – 24 months |
No-Claim Benefits | 50% increase in cumulative bonus for every claim-free year |
Pre-hospitalization | Medical Expenses incurred for In-patient treatment taken under Ayurveda, Unani, Sidha, or Homeopathy. |
Post-hospitalization | Medical expenses incurred in the 90 days immediately after the discharge for SI up to Rs. 50 Lacs. For SI above 75 Lacs – 200 days. |
Restoration Benefit | 100% restored once during the policy period |
Preventive Health Checkup expenses | Up to 1% of the previous sum insured |
Day Care Procedures | 541 daycare procedures are covered |
Domiciliary Hospitalization | The plan covers medical expenses incurred during treatment at home |
Alternative Treatments – AYUSH | Medical Expenses incurred for In-patient treatment taken under Ayurveda, Unani, Sidha or Homeopathy. |
Exclusions | Injuries caused by alcohol or drug use, mental disorders, weight control, congenital disease, treatment for correction of eyesight, change of gender treatment, maternity, miscarriage, self-inflicted injuries (suicide), an act of war, riots, strike and nuclear weapon induces hospitalization, hazardous or adventure sports. |
One can have a family floater discount on premium:
- 2 members – 20%
- 3 members – 28%
- >3 members – 32%
The unique coverage under the policy includes:
- Bariatric Surgery cover
- Medical and surgical expenses for organ donor
- OPD dental treatment
- Health Check-up (max Rs. 10,000)
- Vaccination cover
What I Liked
- Optional “Global” medical cover
- 11,000+ Network hospital
- 1,2, and 3-year policy
- Up to 32% family floater discount on premium
What I didn’t like
- Cover for individuals aged 5 years onwards
- Limit on ambulance cover
- More benefits for SI over Rs. 75 Lacs
#3. Niva Bupa Heartbeat Family Floater Health Insurance Plan

Heartbeat Family is comprehensive health insurance best suited to a family’s needs with emergency medical evacuation coverage outside India.
There are two variants in this plan – Gold, and Platinum.
Gold variant – The Gold plan sum insured starts from Rs. 5 Lacs and covers up to Rs. 1 Crore. You have higher coverage for maternity benefits and health checkups on a higher sum insured.
Platinum variant – Offers insurance coverage from Rs. 15 Lacs to Rs. 1 crore and all features of the Gold plan with additional features as below:
- Emergency medical evacuation & hospitalization facility.
- Covers international treatment for specified illnesses like cancer.
- Charges for OPD treatment and diagnostic services if required.
- Second medical opinion.
- Vaccination expenses for children up to the age of 12 years.
- Higher maternity benefit coverage of up to Rs. 2 Lacs.
Features
Minimum Age for cover | Entry age for adults is 18 to 65 years. The entry age for dependent children is from 91 days to 21 years. Family members covered – up to 6 members |
Maximum Age for Renewal | Lifelong renewal is allowed. |
Waiting Period to cover pre-existing illness | Expenses for consultation, medical tests, and medicines incurred up to 60 days prior to hospitalization are covered. |
No-Claim Benefits | Irrespective of claim status, you will get a 10% per annum increase in the Sum Insured, up to a maximum of 100% of the Sum Insured for the Gold and Platinum plan |
Pre-hospitalization | Expenses up to 90 days post-discharge are covered. |
Post-hospitalization | Provided only if there is no bed available in the hospital and a minimum of 3 days of treatment is taken at home. |
Refill Benefit | In case the base sum insured is exhausted, you can have 100% of the base sum insured refilled. |
Day Care Procedures | 536 daycare procedures are covered. |
Domiciliary Hospitalization | Eyesight, and optical services, suicide, illnesses due to alcohol & drug abuse, IVF treatment, cosmetic & plastic surgery, robotic-assisted surgery and AIDS |
Alternative Treatments – AYUSH | Covered in all the variants |
Exclusions | Eyesight, and optical services, suicide, illnesses due to alcohol & drug abuse, IVF treatment, cosmetic & plastic surgery, robotic-assisted surgery, and AIDS |
Advantages
- 19 different relations including spouse, children, parents, parents-in-law, dependent brothers, and dependent sisters are allowed to be covered in the policy
- Maternity Benefits for delivery of up to 2 children
- A newborn is covered immediately without any additional premium
- Vaccination expenses are covered in the Platinum plan
- International treatment is covered in the platinum plan
- 2 year waiting period for PED
Disadvantages
- Emergency medical evacuation & hospitalization facility, OPD treatment and diagnostic services are available only under the Platinum plan
- Higher maternity benefit coverage of up to Rs. 2 Lacs in Platinum plan
#4. Bajaj Allianz Health Guard Family Floater Plan

Health-Guard is a comprehensive family floater policy from Bajaj Allianz. The Sum Insured under the floater policy can be used to meet hospitalization or other permitted expenses for any of the insured members under the policy.
The biggest advantage of this policy is that the common surgeries that are carried out for aged people such as hernia, piles, cataracts and sinusitis are covered after a waiting period of 2 years.
Health-Guard family floater has three variants
- Silver Plan with sum insured up to Rs. 2 Lacs
- Gold Plan having sum insured up to Rs. 50 Lacs
- Platinum Plan offering sum insured up to Rs. 1 Crore
Features
Minimum Entry Age | Adult – 18 to Lifelong Dependent children/ grandchildren – 3 months to 30 years |
Maximum Age for Renewal | Renewable for lifetime |
Waiting Period for pre-existing disease (PED) | 3 years |
No-Claim Benefits (NCB) | For every claim-free year, you will get 50% of the base sum insured per annum for 1st two years and later 10%. |
Pre-hospitalization | Expenses for consultation, medical tests, and medicines incurred up to 60 days immediately before hospitalization are covered. |
Post-hospitalization | Expenses incurred during the 90 days immediately after discharge are covered. |
Reinstatement Benefit | 100% of the base sum insured specified under inpatient hospitalization treatment cover |
Day Care Procedures | 399 daycare procedures covered |
Domiciliary Hospitalization | Not covered |
Alternative Treatments – AYUSH | Covered under all the plans. |
Exclusions | Change of gender treatments, plastic surgery, treatment for alcoholism & drug abuse, dietary supplements, intentional self-injury, sterility & infertility treatment, dental treatment and any treatment received outside India |
Advantages
- Children/grandchildren, up to 30 years of age can be covered
- No restriction on room rent under the Gold & Platinum variants
- Diseases like hernia, piles, cataracts, and sinusitis are covered after a waiting period of 2 years
- Complimentary health checkup during a block of 3 years for the Silver & Gold plan / 2 years for the Platinum plan
- Known for smooth and quick processing of claims
Disadvantages
- 20% co-payment if you avail treatment in Zone A cities but pay Zone C premium
- Domiciliary treatment not allowed
- Lower NCB for later years
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Best Health Insurance in India for Individual 2025
#5. Aditya Birla Activ One NXT Health Plan

Benefits like – No capping on hospitalization expenses and 100% annual super credit irrespective of claims (up to 500% max) make the Aditya Birla Activ One NXT plan unique.
The policy also covers a few non-medical expenses under the rider “Claim Protect” like – expenses on oxygen masks, gloves, and nebulization kits needed during surgery.
The base sum insured ranges from Rs. 2 Lacs up to Rs. 6 Crores.
Features
Minimum entry age for cover Maximum entry age | Min – 18 years Max – No capping |
Maximum Age for Renewal | Renewable for life |
Waiting Period to cover pre-existing illness | 36 months for pre-existing disease 24 months for the specified disease |
No-Claim Benefits (NCB) | Expenses for consultation, medical tests, and medicines incurred up to 90 days prior to hospitalization are covered. |
Pre-hospitalization | Reload the sum insured from day 1 providing 2X cover with 100% restoration. |
Post-hospitalization | Medical expenses incurred up to 180 days immediately after you are discharged from the hospital are covered. |
Restoration Benefit | Treatment for alcoholism, drug or substance abuse, obesity & weight control, attempted suicide, prostheses & devices, sterility & infertility treatment like IVF, dental treatment & surgery, and treatment taken outside India. |
Day Care Procedures | Covered. |
Domiciliary Hospitalization | Covered |
Alternative Treatments – AYUSH | Covered provided that the treatment is carried out on an in-patient basis. |
Exclusions | Treatment for alcoholism, drug or substance abuse, obesity & weight control, attempted suicide, prostheses & devices, sterility & infertility treatment like IVF, dental treatment & surgery and treatment taken outside India. |
Advantages
- Wide range Rs. 2 Lacs to 6 Cr health plans
- 100% Super credit irrespective of claims
- No capping on hospitalization expenses
- Listed non-medical expenses, organ donor, and obesity treatments are covered
Disadvantages
- 36 months waiting period for pre-existing disease
- 100% Super credit and Claim Protect are optional
#6. Manipal Cigna ProHealth Plus Insurance Plan

Manipal Cigna ProHealth plan is suitable for couples who have or are planning kids. The policy offers additional coverage for maternity, newborn baby (up to Rs. 25, 000), and vaccination expenses for 1st year.
The base sum insured ranges from Rs. 4.5 Lacs to Rs. 50 Lacs and includes worldwide emergency cover.
Features
Minimum Entry Age for cover | Child – 91 days Adult – 18 years |
Maximum Age for Renewal | Lifelong renewable |
Waiting Period to cover pre-existing illness | 3 years |
No-Claim Benefits | For every claim-free year, you will get a 10% per annum increase in the Sum Insured, up to a maximum of 200% of the Sum Insured. |
Pre-hospitalization | Expenses for consultation, medical tests, and medicines incurred up to 60 days prior to hospitalization are covered. |
Post-hospitalization | Expenses incurred up to 180 days after hospitalization is covered. |
Restoration Benefit | Dental treatment, birth control procedures, routine medical checkup & diagnostics, AIDS/HIV, ailments arising due to alcohol or drug abuse, non-allopathic treatment, and robotic or remote surgery. |
Day Care Procedures | 546 types of daycare procedures covered. |
Domiciliary Hospitalization | If you need to be treated at home due to a bed shortage at the hospital or even if your doctor prescribed home care, it will be covered up to the sum insured. |
Alternative Treatments – AYUSH | Inpatient hospitalization under Ayush covered up to the sum insured. |
Exclusions | Dental treatment, circumcision, sterility & infertility procedures, routine medical checkups & diagnostics, AIDS/HIV, ailments arising due to alcohol or drug abuse, non-allopathic treatment unless specifically covered, and cosmetic surgery. |
Advantages
- Ambulance cover of Rs. 3,000 for every time you get hospitalized.
- Organ transplant costs including donor hospitalization is covered.
- Reimbursement up to the Sum Insured in case of emergency hospitalization worldwide.
- Health Maintenance benefit of up to Rs. 2,000
- Free comprehensive health checkup at every renewal.
- Add-on benefits such as waiver of mandatory co-pay (for 65+ years), deductible option, and critical illness cover are available.
Disadvantages
- Maternity expense coverage is normally available after a waiting period of 4 years.
- 20% co-pay in respect of claims for insured above 65 years and above.
#7. HDFC Ergo Optima Restore Health Plan

Optima Restore health plan was initially launched by Apollo Munich Health Insurance. Post merger of Apollo Munich health insurance HDFC Ergo renamed the plan.
You benefit by having a 100% cover restored instantly after the first claim. The benefit will restore the amount equal to your base sum insured on both partial & complete utilization. The restoration can be used once in every policy year for a lifetime.
In addition to the above the Optima Restore plan offers you an option of – Unlimited Restore Benefit which will allow you to make unlimited claims in a year. But the premium is higher if you avail this option.
HDFC Ergo Optima Restore is an individual plan that covers up to Rs. 50 Lacs with affordable premium rates as compared to the other plans on this list and has tie-ups with over 13,000+ network hospitals for cashless treatment.
Features
Minimum Entry Age for cover | Adult – 18 years Child- 91 days |
Maximum Entry Age for cover | Adult – 65 years (but covered for life long) Child- 5 years |
Maximum Age for Renewal | Lifelong renewable |
Waiting Period to cover pre-existing illness | 3 years |
No-Claim Benefits | All daycare treatments are covered. |
Pre-hospitalization | Expenses for consultation, medical tests, and medicines incurred up to 60 days prior to hospitalization are covered. |
Post-hospitalization | Expenses for consultation, investigations, and medicines incurred up to 180 days after to hospitalization are covered. |
Restoration Benefit | 100% Basic Sum Insured. Unlimited restorations in a policy year if you choose “Unlimited Restore Benefit”. This is optional. |
Day Care Procedures | Attempted suicide, war, self-inflicted injuries, adventure sports, IVF treatment, alcohol & drug abuse, treatment of obesity & cosmetic surgery, and AIDS/ HIV. |
Domiciliary Hospitalization | If you need to be treated at home due to a bed shortage at the hospital or the condition of the patient is such that he/she cannot be removed to a hospital, it will be covered up to the sum insured. |
Alternative Treatments – AYUSH | Covered |
Exclusions | Attempted suicide, war, self-inflicted injuries, adventure sports, IVF treatment, alcohol & drug abuse, treatment of obesity & cosmetic surgery and AIDS/ HIV. |
Advantages
- Organ donor costs including hospitalization are covered
- Unique – Unlimited Restore Benefit
- No sub-limit on room rent
- 50% bonus as no-claim benefits
- 13,000+ network hospitals to avail cashless facility.
Disadvantages
- 50% reduction in bonus in case of claim.
- 3-year waiting period for pre-existing disease
Top Up/Super Top Up Health Insurance Policy 2025
#8. ICICI Activate Booster Super Top-Up Policy

ICICI Activate Booster is a super top-up policy that is similar to other health insurance policies except that it comes with a deductible amount. The greatest advantage of top-up policies is getting high health coverage at a low premium.
With a top-up policy, you have to bear the hospitalization expenses equal to the deductible amount. All hospitalization expenses over and above the deductible amount will be covered by the policy.
For example, you have bought a top-up policy with a sum insured of Rs.10 Lacs and a deductible amount of Rs. 3 Lacs.
Suppose you get hospitalized and the total expenses come to Rs. 7 Lacs. Since the deductible amount is Rs. 3 Lacs, you have to bear expense of Rs. 3 Lacs, and the policy will give you the rest amount of Rs. 4 Lacs.
NOTE: You don’t have to bear the deductible amount from your pocket if you have an individual or family floater policy. The policy can be used to pay the deductible amount.
In short, a super top-up policy is good if you already have a health insurance policy and you want to increase the sum assured at a lesser cost.
ICICI Activate Booster offers sum insured up to Rs. 3 crores and deductible up to Rs. 20 Lacs.
Features
Minimum Age for cover | Adult – 6+ years Children – 91 days to 5 years (under floater) |
Maximum Age for Renewal | Lifelong renewability |
Waiting Period to cover pre-existing illness | 3 years |
No-Claim Benefits | NA |
Pre-hospitalization | Plan A – 90 days Plan B – 60 days |
Post-hospitalization | Plan A – 180 days Plan B – 90 days |
Restoration Benefit | NA |
Day Care Procedures | Covered up to the sum insured based on written advice of a medical practitioner |
Domiciliary Hospitalization | Covered up to the sum insured based on written advice of medical practitioner |
Alternative Treatments – AYUSH | Covered up to the sum insured |
Exclusions | Obesity & Weight control, attempted suicide, routine medical, alcohol & drug abuse, cosmetic surgery, dental treatment, AIDS, birth defect treatment, adventure sports, and treatment received outside the country. |
Advantages
- Deductible applicable on aggregate basis per policy year
- Option for – deductible reduction
- Complimentary health check of Rs. 5,000 every year
- Bariatric surgery and in-patient treatment for surrogate mothers are covered
- Unlimited teleconsultations
Disadvantages
- 20% co-payment if treatment is taken outside the “Preferred Network Hospitals”
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Best Health Insurance Plan for Parents (Senior Citizen) 2025
#9. Star Senior Citizen Red Carpet Health Insurance Plan

Star Senior Citizen Red Carpet plan is exclusively for senior citizens aged between 60 and 75 years. The policy covers pre-existing diseases from the second year onwards (after 12 months) and carries lifelong renewals.
The best part is – you don’t have to undergo pre-medical screening irrespective of age.
Star Senior Citizen Red Carpet plan is available both as an individual and floater policy with a sum insured up to Rs. 25 Lacs.
Features
Minimum Age for cover | 60 years up to a maximum of 75 years |
Maximum Age for Renewal | Lifelong renewable |
Waiting Period to cover pre-existing illness | After 12 months of continuous coverage |
No-Claim Benefits | NA |
Pre-hospitalization | Medical expenses incurred up to 30 days prior to the date of hospitalization is covered. |
Post-hospitalization | No pre-acceptance medical screening |
Co-payment terms | Co-payment of 30% for all claims |
Day Care Procedures | All daycare procedures covered |
Domiciliary Hospitalization | Not applicable. |
Medical Screening | Inpatient treatment at Ayush Hospital covered |
AYUSH Treatment | Sterility & Infertility treatments, attempted suicide, intentional self injury, dental treatments, Laser surgeries for the eye, adventure sports and for treatment of disease by system of medicine other than allopathy |
Exclusions | Sterility & Infertility treatments, attempted suicide, intentional self-injury, dental treatments, Laser surgeries for the eye, adventure sports, and for treatment of disease by the system of medicine other than allopathy |
Advantages
- A pre-insurance medical test is not required
- Outpatient consultations in networked hospitals.
- Covers pre-existing disease from the second year onwards
Disadvantages
- Sub-limits applicable for specific diseases
- Room rent limits apply
- Surgeon, Anaesthetist, Medical Practitioner, Consultants, and Specialist Fees are subject to a maximum of 25% of the sum insured per hospitalization.
#10. Bajaj Allianz Silver Health Insurance Plan

This policy can be bought by anyone who is between the age of 46 and 80 years of age and can be renewed lifelong.
But the sum insured is only up to Rs. 10 Lacs. Yet it covers modern treatment expenses and advanced technologies like robotic surgeries and stem cell therapy.
Features
Minimum Age for cover | 46 years up to a maximum entry age of 80 years |
Maximum Age for Renewal | Lifelong renewable |
Waiting Period to cover pre-existing illness | 12 months |
No-Claim Benefits | For every claim-free year, you will get a cumulative bonus of 10% of the Sum Insured, up to a maximum of 100% of the Sum Insured |
Pre-hospitalization | 30 days |
Post-hospitalization | 60 days |
Restoration Benefit | Not available |
Day Care Procedures | 130 types of daycare procedures covered |
Domiciliary Hospitalization | 10% of sum insured |
Alternative Treatments – AYUSH | Not covered. |
Exclusions | Cosmetic or plastic surgery, attempted suicide, dental treatments, obesity & weight control, dietary supplements, refractive error for the eye less than 7.5 diopters, and treatment received out of India |
Advantages
- 80 years maximum entry age
- Free health checkups up to Rs. 5,000 in a block of 2 years
- No sub-limit on the surgery costs
Disadvantages
- 10% co-payment on all claims
- Domiciliary treatment is limited to 10% of the sum insured
- Pre-medical tests are mandatory
#11. Manipal Cigna Prime Senior Elite Health Insurance Plan

Manipal Cigna Prime offers “Prime Senior” health insurance plans for senior citizens in the entry age group of 56 to 75 years. The sum insured ranges up to Rs. 50 Lacs.
The plan comes in two variants – Classic & Elite. Elite allows unlimited restoration or sum insured and a facility to avail domestic second opinion for critical illnesses.
But there is a mandatory co-payment of 20% per claim.
All the other features of this policy are similar to other health insurance plans.
Features
Minimum Age for cover | 56 years up to a maximum of 75 years |
Maximum Age for Renewal | Lifelong renewable |
Waiting Period to cover pre-existing illness | 24 months |
No-Claim Benefits | Cumulative bonus of 10% of the sum insured up to 100% |
Pre-hospitalization | Expenses for consultation, medical tests, and medicines incurred up to 60 days prior to hospitalization are covered. |
Post-hospitalization | Expenses for consultation, medical tests, and medicines incurred up to 90 days post-hospitalization are covered |
Restoration Benefit | Unlimited restoration |
Day Care Procedures | Up to the sum insured |
Domiciliary Hospitalization | Upto sum insured |
Alternative Treatments – AYUSH | Up to sum insured |
Exclusions | Obesity & weight loss, change of gender treatments, attempted suicide, maternity, dental treatments, cosmetic surgery, adventure sports and for treatment outside India |
Advantages
- Maximum entry age of 75 years
- Unlimited restoration of the sum insured
- Cover for mental illness, HIV/ AIDS, and Modern treatments
- 90 days waiting period for PED
Disadvantages
- Co-pay of 20% of each claim
- 90 days post hospitalization expense cover and not 180 days
- Add on to reduce the PED waiting period
5 Types of Health Insurance Policies in India
#1. Individual Health Plans
If you have an individual health insurance policy, you alone will be eligible to claim the benefit of the entire sum assured. All the benefits covered in the plan are available to you and cannot be transferred to anyone else.
The greatest advantages of individual health plans are
- Offers higher protection for each person rather than as a family.
- The policy can be renewed without any age restrictions.
- Suitable for people with health risks.
- No risk for other family members even if the cover gets exhausted in a single year.
#2. Family Floater Health Insurance Policies
Family floater health policies are umbrella health cover tailored for the entire family. A single premium is paid to obtain a cumulative health cover for the entire family and the amount of health coverage can be utilized for hospitalization expenses of any member of the family.
The advantage of a family floater insurance policy is that
- You can get your entire family covered by single health insurance at a lesser cost.
- You can cover 4 children for each policy along with 2 adults.
The biggest disadvantage of the family floater health policy is that
- There is a high possibility of the entire cover getting exhausted due to the hospitalization of one family member.
If your family members have frequent illnesses then opt for individual plans.
#3. Senior Citizen Health Insurance Policies
Buying health insurance at an old age is difficult or unaffordable. I suggest you buy a health insurance policy for your parents before they get too old.
The Senior citizen policies are similar to individual health policies but come with stringent medical checkups, high premiums, limits on room rent and treatments, compulsory co-payment, lower sum insured, and a greater number of exclusion clauses.
These policies are usually bought by people who have already crossed 60 years of age but do not have any health insurance with them.
#4. Top-up and Super Top-up Insurance Policies
Top-up and super top-up policies are health policies that come with a ‘deductible’ clause. These policies come into effect after the amount specified as the deductible is incurred as hospitalization expenses.
For example, assume that you have bought a top-up/super top-up policy of Rs.20 lacs with a deductible of Rs.5 lacs. If you get hospitalized, you are eligible to claim from the top-up/super top-up policy for all your hospitalization expenses over Rs. 5 lacs.
The biggest advantage of these policies is that you can get a large cover for a low premium. Even though there is a deductible clause applicable, you can take a basic health policy whose sum assured will be equal to the deductible.
#5. Policies Covering Specific Illnesses Such as Cancer or Heart Disease
The biggest advantage is that these policies cover specific illnesses like heart disease or cancer, which are usually avoided by many insurers. The premiums for such policies are high as the risk is high for the insurer.
These policies are designed for people who are already diagnosed with certain diseases or are at high risk of getting certain diseases.
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Don’t Rely Solely on Your Employer-Provided Health Insurance
One of the main reasons why people avoid taking health coverage is because they get employer-provided group health coverage. But no matter how much health coverage your employer provides, it has its own drawbacks.
Let’s understand why having your own health coverage is important:
- Employer-provided insurance benefits will end the moment you leave or change the job.
- You can not carry forward the benefits of employer health insurance.
- Having your own health cover early in life will always help in case you are diagnosed with any illness. This is because the waiting period will be over and any illnesses you catch at a later stage get covered.
- Employer-provided insurance clauses can change at any time.
- Employer-provided health coverage can exhaust in a single hospitalization. You must have a backup policy.
- Would you buy an expensive health cover post-retirement?
13 Practical Tips to Choose the Best Health Insurance Policy
Tip #1.
Always buy an individual policy at a young age. Otherwise, insurance becomes expensive as you grow old.
Tip #2.
Choose the right amount of sum insured as per your family size. Smokers, obese individuals and people with inactive lifestyles have higher health risks and need higher cover.
Tip #3.
If you are buying health coverage for a family of 4 (2 adults and 2 kids), you can either
- Buy individual covers for each family member and buy an additional family floater to increase the cover.
- The second option is to buy a family floater and then buy a top-up/super top-up policy whose deductible is equal to the sum insured by the family floater policy.
Tip #4.
Choose a policy with minimal exclusions. Buy a plan that covers 100% of the costs of hospitalization, common daycare procedures, and a part of pre and post-hospitalization costs. Do not opt for plans which have a co-pay option.
Tip #5.
Choose a policy that offers lifetime renewability.
Tip #6.
Do not buy a policy that has sub-limits on per-day expenses or room rent
Tip #7.
Your health plan should cover hospitalization expenses for critical illnesses also. There should be no “claim loading” in case you or your family are diagnosed with a critical illness.
Claim loading is a feature in which the insurance company can keep increasing your premiums year on year if you are diagnosed with a critical illness.
Tip #8.
Check the waiting period for pre-existing illnesses. A good insurance policy will have 2 years as the waiting period but some have up to 4 years.
Tip #9.
Check the clauses for getting treated at network and non-network hospitals. Many insurers reimburse only 70-80% of the costs if you get treated at a non-network hospital.
Tip #10.
If you are buying health cover for aged parents, check the list of illnesses and medical procedures that are not covered. Your policy should provide cover for common surgeries required by aged people such as cataract and knee surgery.
Tip #11.
Buy the policy before you get any critical disease (health, lungs, cancer). Health insurance policies have a clear-cut clause – that the policy needs to be bought before the onset of any such illness.
Tip #12.
Buy a top-up/super top-up policy at a less premium to get a large cover if you want to increase your health cover.
Tip #13.
Buy separate individual policies for yourself and your spouse as you grow old.
This is an important step because family floater policies are issued against the name of the oldest person listed in the group. If the oldest person passes away, the policy ceases and the remaining family members have to buy a new policy at higher premium rates.
Glossary
AYUSH: stands for Ayurvedic, Unani, Siddha, and Homeopathy. If a health insurance policy provides coverage for AYUSH treatments, it means that the insured can undergo treatments suggested by the AYUSH doctors and make a claim for it.
Restoration Benefit: It is a benefit that allows an insured to reinstate (refill) the entire sum insured in the policy year when it gets exhausted due to claims. You can reinstate up to 100% of the sum insured in a year. But it costs slightly more than standard health insurance.
Daycare Procedures: A daycare procedure is a surgery or medical procedure that can be completed in less than 24 hours.
Domiciliary Hospitalization: It means medical treatment for a period exceeding three days for such illness/disease/injury which in the normal course would require care and treatment at a hospital but actually taken while confined at home under any of the following circumstances:
i) The condition of the patient is such that he/she cannot be removed to the Hospital/Nursing Home or
ii) The patient cannot be removed to the Hospital/Nursing Home for lack of accommodation/ bed.
Things You Should Know About Health Insurance
- It is always better to buy from a reputed insurance broker. Verify the credentials of the insurance agent before you buy a health policy. If any claims get rejected, your agent may not be able to help you.
- You can also buy health policies online at a lower price than offline. You have to make sure that you declare all the requested data correctly and honestly.
- You can actually bargain for lower premium rates if you have healthy living habits such as maintaining a good BMI, exercising regularly, and avoiding smoking.
- No insurer will provide cover for a person aged above 90 years. Any existing policies also cease to be effective once the insured crosses 90 years of age. This applies to employer-provided health insurance for retirees also.
- The family floater policies are issued with the eldest member as the policyholder. If the eldest in the family deceases, a fresh policy has to be taken by the surviving family members at prevailing premium rates.
- Always declare every detail of your illness, if any, even if it seems insignificant. Insurers have experts to determine if you have not declared any pre-existing illness and may deny your claims.
- If you are not satisfied with your existing health insurance policy, you can always ‘port out’ to another policy. However, you have to pay the applicable premium for the new policy. However the greatest advantage is that the waiting period for the pre-existing illness will not apply.
Final Words
By now you have gauged that you and your family’s health insurance needs will be unique. You have to choose a policy based on various factors such as sum insured, co-pay, sub-limit clauses, and network hospitals, and not just about quoting low premiums.
Always buy a health policy early in life as it works out cheaper and you will be covered if you fall ill later in life.
FAQs
Which Senior citizen health insurance plans will be good for my parents?
Senior citizen health insurance policies come with various terms & conditions like –
- compulsory medical checkups
- high premiums
- limits on room rent and treatments
- compulsory co-payment
- lower sum insured
Pick health insurance after evaluating your needs.
Whether I need to wait for 2-4 years to cover PED?
Yes, the health insurance companies cover PEDs after a waiting period of 2 to 4 years after you have taken a policy. During this waiting period, your health plan should be in force.
The waiting period is irrespective of the date of diagnosis of disease and is not related. The waiting period starts from the date you buy the health policy.
What happens to family floater health insurance when the eldest member (also policyholder) dies?
In most cases, unless clearly stated the health insurance policy stops coverage.
But a few health insurance plans have a “Death Benefit” clause under which it continues offering coverage to the remaining insured members. You need to check our policy documents.
Is it necessary to get a health insurance policy from an agent or insurance broker?
No, it is not necessary to buy a policy through an agent. You can directly apply on the insurance company’s website.
Which medical health insurance is best in India?
Health insurance plans come with different benefits, limits, waiting periods, discounts, coverage terms, exclusions, and costs.
You need to check your requirements first and then pick the health insurance that matches your needs.
Is 5 lakh enough for health insurance?
This depends on what age group you are in, your present health condition, and your lifestyle habits.
Rs. 5 lacs cover should be enough if you are young (age 22-25 years) without any medical condition and lead an active healthy lifestyle.
But looking at the present lifestyle of people, increasing heart diseases and rising cost of treatment Rs. 5 lacs insurance seems to be less. You may not be adequately covered.
Hello sir i have appolo 3 lakh policy family floater i have to renew the policy which is the best policy for 2 adults and 2 children
Sardeep.. go for religare or tata AIG..
Is it true if the eldest member dies, the family floater policy stops? Some sources upon renewal any other member can be made as primary. Can you clarify?
Hi Pardeep,
Thanks for the comprehensive information. Great research and guidance you have brought in with this article.
I am looping for a health insurance policy for my parents. both my parents have different health concerns.
My father has diabetes, heart issues (undergone bypass 4 years back), currently on dialysis for thrice a week (his both kidneys are failed)
My Mother is healthy doesn’t have any medical issue except for bronchitis asthma.
My requirement is that there should be ‘0’% copay. complete hospitalization amount to be borne by the health insurance company, Should provide lifetime renewable, 1 year or less than that pre-existing disease coverage, should provide complete health checkout in once a year free of cost, there should not be any limit on daycare, surgical, ambulance charges, ICU charges, room charges, There should be daycare available, maximum hospital network, aboard treatment cashless coverage, organ transplant included from abroad.
Can you please confirm if which will be the best mediclaim policy to meet my requirement. my both parents are 60 years.
Shweta go for Religare.
PLEASE COMPARE MAX BUPA HEALTH COMPANION WITH OTHERS
SECONDLY WHAT WILL YOU SUGGEST TAKE A 5 LAKHS BASE POLICY WITH TOP UP OR 20 LAKHS BASE POLICY
Dr. Rastogi,
Max BUPA is already in the list.
Hi Pradeep.
Your article was quite informative. Thanks a lot.
Please help me to finalise a policy for me and my wife,
1) I will be of 65 years age on 12th March 2020.
2) I take medicine for High BP and cloistral.
3) I am having a Mediclaim policy with National Insurance worth Rs,3 lacs,
My wife
1) She will be of 60 years age on 15th Dec 2020.
2) She has no medical problem except upset stomach problems.
3) She is having a Mediclaim policy with National Insurance worth Rs,2 lacs,
I also want to transfer my policy to some better company.
Kindly advice. Thanks a lot.
I would suggest you to go for Religare.
Why is the Royal Sundaram Lifeline Supreme not figuring in top health insurance plans? It looks to br ticking all boxes vide uncapped room rent, long pre/post hospitalization, cashless, decent hospital coverage, no claim bonus without reversal on claim, restoration benefits, etc. So what am I missing in the larger picture? Please help identify for any disadvantages in this plan.
Thank you.
Rajkumar.. Thanks for the feedback. I would add Royal sundaram in my research while updating the article.
Hi Pardeep, I’m 32 Male live in Delhi, looking for a insurance plan to cover the family and myself. My priorities are hassle free and quick claim process along with good reputation of the insurance company.
Thanks in advance
Rahul you can select from Religare or max bupa, both are among the best.
Hi Pardeep,
Excellent information many thanks.
I have a Religare Health Insurance for 5 lacks, would like to know if critical illness is covered in this policy (CAREV2 SILVER).
What would you suggest should I go for a separate policy for Heart & Cancer, or is it covered in my above policy.
Also I would like to buy an Accident policy, what would you suggest for cover of 25L
Regards
Hi pradeep, thank you for such an informative article. I would like to buy an individual health plan for myself. I maintain almost good life with good food and regular exercises , though i smoke also but i try my best to keep myself fit.
What plan would you suggest for a person of 37 years old like me.
hello Mr.Pradeep,
1.Can you kindly please suggest me which plan suitable for family floater? since recently i got married. I want to cover for myself and a spouse and future kids.
in terms of good claim settlement, and less exclusions.
2. Please suggest me to cover for my parents. My father aging 54 and mother 46.
Thanks regards
Dear Pardeep,
Let me begin by congratulating you on this brilliant article. Thank you so much.
I need some advice on choosing my health insurance plan.
I am 46 and my mother is 71.
I want individual plans for each of us which will offer:
quick & hassle free , 100% cashless claim settlement,
OPD benefits including diagnostic charges ,
zero co-pay & rider to waive pre-existing disease waiting period (if at all possible).
My primary worry is about not getting the claim settlement on time/ not getting 100% cashless facility when I need it. Low premium is also very important.
Most importantly, OPD benefits with diagnostic charges would be a HUGE help.
Kindly suggest the best provider and plan/s for me and my mother.
Thank you.
Rajiv.. go for Religare. They are trustworthy and have high claim settlement ratio.
Sir,
I have in corporate plan 3 lakhs star health. I would like to top up 5 lakhs in Royal Sundram.
If i switch over my base plan to royal Sundram after two years .
Can i eligible for taking treatment for pre existing diseases in royal Sundram or that i will waiting for another 2 or 3 years.
Hello Sir,
Thank you for the valuable info. I want to do Health Insurance for our family ( Husband (37 Yrs) + Wife (27 years) + Daughter ( 15 months running ) + Mother (50-55 years).
Please suggest which will be the best for us. My Mother have some normal arthritis problem and my wife has normal migraine problem. Nothing else.
Sanjay.. I would recommend to have Religare
Hi thanks so much for the article. Its a great effort from you. I already had a bajaj allianz health insurance. Shall i continue with it or is it better to go for a new one. Please suggest.
Sriram.. if you are not facing any issue, continue with bajaj allianz.
Hi Pradeep,
This is NL from Hyderabad.
Would like to know, which is best Health insurance plan with a family of Husband, Wife and 2 kids with age less than 10 years.
Husband – 40, Wife-32, Kid 1 – 7, Kid 2- 4 Years.
I have been looking for a family floater plan, with higher in claim settlement.
Thanks,
NL
Hyderabad
19.Feb.2020
Hi Pradeep,
I would like to take a health Insurance for my family (02 Adults & 1 Child). Which is the Health Insurance Policy plan that you would suggest ?
As an individual I have Apollo Munich Health Insurance? Is there any advantage of adding my family members to the policy or should I take a new policy overall.
Hello…can u tell me health policy for a newly married couples?
Santosh.. you can explore Religare health insurance.
Hi,
I have opted for a policy from ‘Star Health’ called Star health comprehensive policy and now I am a bit skeptical about opting for the same as I read a lot of negative comments for the company over the internet about unsettled claims. I have the premium but I still have 15 days to decide if I would want to go with them. I am 26 years old.
I would really appreciate your input.
Thank you.
Hi Rusi.. Go for Religare health insurance.
Hi Pardeep,
I am 31 now. (Spouse – 29, Kid – 3, F- 72, M – 62(Diabetic+BP), FIL- 75, MIL – 65(BP+Cholestral).
I and my spouse both have Mediclaim benefit from our companies which cover 5lakhs each (Paying an extra premium for including parents).
Please help me with these questions.
1. Do I need to take a personal insurance plan?
2. If so do you suggest to include my parents & inlaws?
3. What amount can I take 5L or 10L?
4. MaxBupa health companion Family Floater Vs Star health Comprehensive? which do you suggest?
5. Any other suggestions
Rajesh.. I would suggest you to go for Maxbupa over Start health.
Max Bupa Health Companion with Recharge (Money Saver) is good policy for Me (28) and my wife(26) ? or any other suggestions ?
Yes rahul.. you can go with it..
hi pradeep, which insurance company have a policy with a world cover as well if the person is out from India, i saw world emergency
Cigna TTK ProHealth Plus offer foreign treatment reimbursment..
Hello,
I am Abhimanyu,
I wanted to buy a policy for my parents aged 55 and 48. My mother has ungergone through angiography once 7 years back. We had a policy with reliance buy they did not initiate the claim saying – it was an old disease.
Now after so many years I’m planning to insure then with a policy which could be best for them. My questions are-
Do I buy individual policies or a same one?
Suggest me with some good policies which I should see.
Thank you for this article. My parents aged 63 (history of hypertension) and 61 (history of hypothyroidism and knee arthroscopy) are looking to get insurance. No other pre existing conditions. What would you recommend as the best insurance for them? Thank you.
Rahul.. you can go with Religare or Max bupa but keep in mind that both have co-payment clause for senior citizens..
Hi Pardeep Goyal,
Just want to know that ” Ranbaxy singh brothers” scam does affect on our health new insurances.
I don’t think so.
They need not come under the senior citizen category yet, so just check with HDFC ERGO, as we recommend this for parents below 65 and it has no Co-Payment under regular scheme.
In which policy dental treatments are covered either cashless or by reimbursement both in case of individual and family also
Apollo munich covers dental treatments in their premium plan..
Hello Pardeep
Which one health insurance policy is best in delhi. (5 lach) I am confused between Religare and max bhupa.
Deepak both are good.. For Religare, you can use this link.
Hello Pardeep,
At present, My age is 37, my wife age 35, 1 child age 10 years, 2nd child age 1 year. Suppose Today I take a health policy of religare (care) of Rs. 5 lac (Premium 13,888 with 20% off on premium) and I will continue it to next 20 years.
So I want to know that what will be the annual premium of my policy after 15 years [age bracket 55-60]. Because at present I see the premium for age bracket 55-60 is approx 30-35 thousand.
Are u getting my point or not?
Hi I’m looking for family plan for 3 members which plan will you suggest?and which company?
Hey Raviyacgari… I suggest Religare.. you can get details here.
Dear Pradeep,
First and foremost thanks for informative article. I would like to take insurance for my parents of age 63 and 61. My mom has arthritis and hypothyroidism. I have short listed HDFC Ergo and Max Bupa. Request your suggestion which one would be better.
Your revert will be appreciated.
Regards
Nikhil
Nikhil.. I would suggest you to prefer Max Bupa over HDFC Ergo..
Thanks For such existing post . I appreciate that your post is really informative. Its something really amazing and helpful article.
Hey, Pardeep thanks for this research. I wanted to know more about
a) Insurances related to Type 2 Diabetes conditions
b) Critical Illness. Do these cover Diabetes related neuropathies also?
Sagar.. Go for Religare Care Freedom which is designed for diabetic patients..
Hi I am think to renew the policy with max bupa, but when I read the comments and reviews about the maxbupa…I am started getting worried now..which is the best insurance policy with good claim settlement and reviews..
Praneth, in my research I found Religare was the best in claim settlement & then comes max bupa.
You can use this link to get Religare policy at discounted price.
very useful article thanks for taking your time
Thank you Balaji… Glad that you liked the article.
Every thing is ok but
Policy details of Apollo Munich is wrongly mentioned.
Like pre and post hospitalisation.60 days and 180 days.
There is no co pay in Apollo optima restore.
Best part is it restore SI at first claim and same person same disease claim can be availed which non of health insurance having
Many more.
Indeed it’s best in industry.
Thanks vinay for pointing out. But All the details are verified from Apollo’s site itself.
You can check out here – https://www.apollomunichinsurance.com/blog/what-makes-optima-restore-special.aspx
Could you please provide the link to get me better understanding of what you are suggesting.
Hi Pradeep,
Firstly thank you very much for very helpful article.
I am looking for suitable mediclaim policy for my father age 61. He doesn’t have pre existing disease but he consumes tobacco.
Will insurance company cover any illness caused due to tobacco consumption ? Shall I consider taking add on for Cancer if yes which one is best?
Kindly help on this.
Vikram, Insurance companies will cover illness due to tobacco consumption only if it is declared at the time of applying. You can go for Religare which has the best claims settlement percentage.
Hi My name is Samir based at pune Maharashtra i m looking for suitable mediclaim policy for my father age 71 Diabetic .no other illness pre existing disease other than diabetic
Request you to guide on this.
Star Senior Citizen Red Carpet will be beneficial for you
Mr. Pradeep,
Your article on health insurance covers all the aspects. It helped me to understand hidden points also openly.
Thanks
Thanks Nidhi.. Glad that you liked it..
Hi Pradeep,
Great article.My research regarding the best health insurance started by reading this article. Later I came to a conclusion that Max bupa health companion and Apollo Munich optima restore are the best two family floater policies(both do not have maternity cover).
Why didn’t you shortlist Max Bupa health companion ?
Some its features are given below(which optima restore do not have)
-You can opt for hospital cash without room sharing for a premium equivalent to that of optima restore.
-AYUSH treatment covered
-Health checkup in every year from second year onwards
-Non deductible no claim bonus of 20% (NCB will not loose if you make a claim in the following years)
The biggest advantage of optima restore is you can use the restoration amount for the same/related illness. No other company permits that. So a 5Lack policy is actually giving protection for 10Lacks without any terms and conditions.
Thanks for pointing out. I will consider your points in my research and will update accrodingly.
Hi Pradeep,
I have gone through various sources, videos etc but this article is one of the best. Since it is very clear & non bias opinion which really helps to take important decision.
Thanks Kiran
Hi Pardeep, Your article is extremely helpful to everyone struggling to understand the advantages and disadvantages of various policies. Specifically for me it has really helped to take an informed decision in buying a policy for my family. Greatly appreciate your valuable insights.
Great !! you made an informed choice after reading the article.
Hi Pradeep, Firstly thank you for putting together such a clear-cut article on health insurance. For a non-finance person this article has been very helpful to say the least. Secondly, have a few qs…perhaps if you care to answer them.
1. Is it necessary to go through an agent for a health insurance? what if it is purchase directly through online? can that be done?
2. Incase I don’t go through an agent, what is the position or method for me to go about getting a claim?
Hoping for an early response.
No it is not necessary to go through agent, you can directly apply on company’s website.
thank you great help
Good Work
Hi Pardeep,
Thanks for the article.
One query came to my mind while reading this, though CSR(98.32%) and ICR(80.38%) of ICICI Lombard is very high still you ranked as 3.
It will be great help if you provide a details for ICICI Lombard family health plan.
Thanks.
Cignattk does cover AYUSH treatment
Thanks.. I will check and update the article with latest information.
Great community service!
hi pradeep,
this is amirtharaj from Bahrain. i was thinking for health insurance taken in india for me & my family longtime. i was so confused which one to choose. here in bahrain i have only myself medical insurance provided by my employer. here medical insurance concept entirely different, this means when you have medical insurance card you can directly go network hospital and just to pay initial amount of BD 3/5/7 based on your card mentioned (1 BD=INR 190/approx) that is it. after that all the test/medicine/consultation everything is free of cost with unlimited time up to covered sum insured. where as in india not like that. after i read your article i understood it is entirely different from bahrain health insurance policy. i really appreciate that your effort and good work.
thanks for your such a wonderful and most important article.
Thank you Mr. Pardeep Goyal to cover max. possible aspects in health insurance.
Glad you liked Dhanesh. I still have to update the content at certain places, that I would do in April 2019
Great article! You’ve taken a lot of effort to put together this data. Really helpful.
Thank you! Kudos!
Glad you liked. Yes, it took several hours in writing and editing. Still needs some updations.
Hey Pardeep,
There are policies like Max Bupa Go Active, which includes further additions and benefits for maintaining healthy lifestyles but also charges higher charges.
I want to understand if they can be benficial or like term insurance the pure health claim only is better.?
TIA.
Great article , just one thing can we have a review of LIC policy also ?
Thank you pardeep for such this Wonderful article. I was so confused searching internet for health insurance and I couldn’t make my mind whom to select or not. You have compiled all the major points that should be considered. This made me easy to understand the concept of health insurance even when I had no knowledge of this. Thanks again