Few Good Medical Insurance Policies
in India
Before glancing at the list of few good medical insurance policies, it is
suggested that you understand what health insurance means. A type of insurance
that covers medical and surgical expenses those are incurred by the insured.
Health insurance either reimburses the insured for costs incurred from illness
or injury or pays the care provider directly.
Mentioned below is the list of
few Good medical insurance policies provided by the leading Indian Health
insurers:
Star Health & Allied Insurance
Company Limited
Minimum age to cover 3 months for children, maximum is 65 years
What it offers/covers
Assured plan renewal for life.
Cashless facility (in network Hospitals)
Re-reimbursement (non-network hospitals)
Pre and Post hospitalization
Room rent, boarding and nursing expenses
Surgeon's fees, Consultant's fees, Anesthetist’s and Specialist's fees,
Cost of medicines and drugs
Emergency Ambulance
Day care Procedures
Cataract treatment
Max Bupa Health Insurance Company Ltd
Max Bupa Heartbeat Health Gold
Plan
Minimum age to cover 3 months for children, maximum is 65 years
It covers up to 13 relationships and 50 family members
What it covers/offers
Assured plan renewal for life
Cashless facility
No age restriction to cover senior citizens or new born baby
All day care procedures
Health check-up on renewal
Access to health advice 24/7
Very limited exclusions
Maternity benefits for up to 2 deliveries
New born baby covered from birth till next policy renewal
Vaccinations for new born baby covered for first year
Apollo Munich Health Insurance
Apollo Munich Easy Health Exclusive (family Plan)
Minimum age to cover 3 months for children, maximum is 65 years
What it covers
Assured plan renewal for life.
Cashless facility (in network Hospitals)
Re-reimbursement (non-network hospitals)
Pre and Post hospitalization
Emergency Ambulance
Day care Procedures
Maternity expenses
New born baby cover
Additional cover for critical illness.
Reliance General Insurance Co.
Ltd.
Reliance Health Wise Family Floater
Minimum age to cover is 3 months for children, maximum age is 55
years
Maximum age for policy renewal is 75 years
What it covers/offers
Cashless facility (in network Hospitals)
Re-reimbursement (non-network hospitals)
Pre and Post hospitalization
Room rent, boarding and nursing expenses
Emergency Ambulance
Day care Procedures
ICICI Lombard GIC Ltd
ICICI Lombard Health Advantage
Minimum entering age is 5 years and maximum is 65 years
Policy can be renewed till the age of 70 years only
What it covers/offers?
Cashless facility (in network Hospitals)
Re-reimbursement (non-network hospitals)
Pre and Post hospitalization
Room rent, boarding and nursing expenses
Emergency Ambulance
Day care Procedures
Swine Flu/H1N1 covered if not pre-existing
Bajaj Allianz
Bajaj Allianz Health Guard (Individual policy)
Minimum entry age is 3 months and maximum is 65
Maximum policy renewal age is 80 years
What it covers/offers?
Cashless facility (in network Hospitals)
Re-reimbursement (non-network hospitals)
Pre and Post hospitalization
Room rent, boarding and nursing expenses
Emergency Ambulance
Day care Procedures
Oriental Insurance Company Ltd
Oriental Happy Family Floater
Minimum entry age is 18 years and maximum is 55 years
Maximum policy renewal age is 65 years
What it covers/Offers?
Assured plan renewal for life.
Cashless facility (in network Hospitals)
Re-reimbursement (non-network hospitals)
Pre and Post hospitalization
Room rent, boarding and nursing expenses
Surgeon's fees, Consultant's fees, Anesthetist’s and Specialist's fees,
Cost of medicines and drugs
Emergency Ambulance
Day care Procedures
United India Insurance Co Ltd
United India Family Medicare
Minimum entry age is 18 years and maximum is 80 years
What it covers/Offers?
Assured plan renewal for life.
Cashless facility (in network Hospitals)
Re-reimbursement (non-network hospitals)
Pre and Post hospitalization
Room rent, boarding and nursing expenses
Surgeon, anaesthetist, medical practitioner, consultants, specialist
fees, blood, oxygen, chemotherapy, Radiotherapy, Artificial limbs, Cost of
prosthetic devices implanted during surgical procedure like pacemaker etc.,
X-Ray
Emergency Ambulance
Day care Procedures
Cataract treatment
New India Assurance Co. Ltd.
New India Mediclaim
Minimum entry age is 3 months and maximum is 60 years
What it covers/Offers?
Pre-existing Diabetes mellitus and Hypertension (2 years after taking the
policy)
Assured plan renewal for life.
Cashless facility (in network Hospitals)
Re-reimbursement (non-network hospitals)
Pre and Post hospitalization
Room rent, boarding and nursing expenses
Surgeon's fees, Consultant's fees, Anesthetist’s and Specialist's fees,
Cost of medicines and drugs
Emergency Ambulance
Day care Procedures
National Insurance Company
National Insurance Varishtha Mediclaim
Minimum age for entry is 60 years and maximum is 80 years
Maximum age for policy renewal is 90 years
What it covers/Offers?
Coronary artery surgery, organ transplant, cancer, stroke, multiple
sclerosis, major organ transplants etc. are exclusively covered
Rest other expenses like pre and post hospitalization, cashless facility,
reimbursement, Ambulance expenses etc. are covered too.
Above written Top Health Insurance plans will be helpful to
choose the best insurer and their health plan in India.
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