Best Life Insurance Plans In India 2021

Life is uncertain. A health insurance plan should be on your priority list to secure any emergency medical expenses in need of the hour. 

What Is Health Insurance policy? 

A Health Insurance Policy is like an investment plan that offers you financial security to handle your medical expenses. It safeguards your funds from being spent on medicines, hospitalization, ambulance, doctor consultation, post-hospitalization care and many more. It can be viewed as an agreement between your health insurance company and you where the company is bound to cover all your financial expenses in any medical emergency case.

Benefits Of The Best Health Insurance In India? 

Besides, medical expenses in case of hospitalization, a health insurance policy offer benefits such as: 

1. Daily allowance

Some health insurance company pays a daily allowance of hospitalization that does not affect the assured sum.

2. Tax benefit

According to section 80D of the Income Tax Act, the insured client can claim tax detection of about rupees 25,000 against the health insurance premium. If the client is paying the insurance premium for elderly parents, then detection of up to rupees 30,000 is permissible. 

3. Cashless treatment

You can avail the facility of cashless treatment with a good health insurance policy at their network hospital. 

4. Allied benefits

Some insurance policies include preventive and enhanced check-ups, consultation with doctors or nutritionists and diagnostics in the basic health insurance plans. 

5. Covers life-threatening illness

Chronic Lifestyle diseases are not only life-threatening, but expensive. If you have an insurance plan covers a critical condition, the company will pay a lump sum amount after the diagnosis.

It is essential to buy an insurance policy to assure yourself and your family a healthy future without worrying about the hospital and medical bills. However, with too many health insurance policies offered by different companies, you must be confused about which one to choose. A few points you should keep in mind while selecting the best health insurance in India includes benefits, coverage, network hospitals, health insurance riders etc.

Best Health Insurance in India 2021

The list below has included best insurance plans in India from top rated health insurance companies.

Health Insurance PlansEntry Age (Min-Max)Sum Insured (Min-Max)Network HospitalsCovid-19 Treatment
Bajaj Allianz Health Guard18-65 YearsRs 1.5 Lakh – Rs 50 Lakh6500+Covered
Edelweiss Edelweiss Health Plan90 Days-65 YearsRs 1 Lakh – Rs 1 Crore2578+Covered
IFFCO Tokio Health Protector Plus18-65 YearsRs 2 Lakh – Rs 25 Lakh5000+Covered
National Parivar Mediclaim Plus18-65 YearsRs 6 Lakh – Rs 50 Lakh6000+Covered
Bharti Axa Smart Super Health Plan91 Days – 65 YearsRs 5 Lakh – Rs 1 Crore4500+Covered
Digit Health PlanN/ARs 2 Lakh – Rs 25 Lakh5900+Covered
Future Generali CritiCare Plan18-65 YearsRs 1 Lakh – Rs 50 Lakh5100+Covered
Cholamandalam Chola Healthline Plan18-65 YearsRs 2 Lakh – Rs 25 Lakh7250+Covered
Aditya Birla Active Assure Diamond Plan5 Years & AboveRs 2 Lakh – Rs 2 Crore7100+Covered
Kotak Mahindra Kotak Health Premier18-65 Years 4800+Covered
Liberty Health Connect Supra Top-up18-65 YearsRs 3 Lakh – Rs 1 Crore3600+Covered
Care Health Care Plan (Formerly Religare Care Health Insurance Plan)91 Days & AboveRs 4 Lakh – Rs 6 Crore7800+Covered
Star Family Health Optima Plan18-65 YearsRs 1 Lakh – Rs 25 Lakh9900+Covered
ManipalCigna ProHealth Insurance18 Years & AboveRs 2.5 Lakh – Rs 1 Crore6500+Covered
Reliance Critical Illness Insurance18-55, 60 & 65 years (As per the SI)Rs 5 Lakh – Rs 10 Lakh7300+Covered
Max Bupa Health Companion Individual Plan91 Days & AboveRs 3 Lakh – Rs 1 Crore4500+Covered
Oriental Individual Mediclaim Policy18-65 YearsRs 1 Lakh – Rs 10 Lakh4300+Covered
SBI Arogya Premier Policy3 months – 65 YearsRs 10 Lakh – Rs 30 Lakh6000+Covered
New India Assurance Senior Citizen Mediclaim Policy60-80 YearsRs 1 Lakh – Rs 1.5 Lakh3000+Covered
Raheja QBE Raheja QBE Comprehensive Plan90 Days – 65 YearsRs 1 Lakh – Rs 50 Lakh5000+Covered

Since corona outbreak all best health insurance in India also covers the treatment for coronavirus from day one after the positive diagnosis of covid-19.

You may also purchase specific health insurance plans designed for coronavirus. Coronavirus health insurance policies are short-term policy offering coverage against the pandemic declared coronavirus. They cover the homecare treatment cost, hospital expenses, ambulance charges, medicine, PPT’s oxygen cylinder, mask, gloves, Ayush treatment and ICU charges.

The Best Coronavirus Health Insurance Plans In India:

1. Corona Rakshak Policy

Corona Rakshak Policy is a COVID-19 health insurance plan that pays for the hospitalization of a minimum of 72 hours and more. It is available to the age group between 18 to 65 years on an individual sum insured basis between 2.5-2 5 lakh. The applicants with co-morbidity also get insured by paying an additional premium. 

2. Corona Kavach policy

The sum insured starts from rupees 50,000 rupees 5 lakh. You can even get your family covered under the plan. 

We hope you will find the article helpful. Before selecting the best health insurance in India do understand the cashless and reimbursement claim settlement process and carefully read the terms and conditions. For more information, post your queries in the comment section.


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