Top 4 Medical Insurance Policies in India

Before getting into the details about the top medical insurance policies offered by different insurance companies in India, it is better to get an understanding about this type of insurance coverage. This is a coverage that provides protection for medical and surgical expenses that are incurred by the insured. Here, the insurance company will either pay directly to the hospital or the company will reimburse the cost incurred by insured towards medical expenses. Now, let us get into the details about the top 5 medical insurance policies in India:

1. Star Family Health Optima Insurance Plan:

This family floater plan offered by Star Health & Allied Insurance Company covers 2 adults and 2 children. The minimum age limit for children is 3 months and the maximum age limit for adult is 65 years.

What does this policy cover?

The following medical expenses are covered by this policy for the 4 members of the family:

• Cataract treatment

• Day care procedures

• Emergency ambulance

• Fee for surgeon inclusive of cost of drugs, anesthetic and specialist fee

• Nursing, boarding and room rent expenses

• Pre and post hospitalization

• Cashless facility in case treatment is obtained in one of the hospitals in the network

• Reimbursement in the case of non-network hospitals.

• Assured plan renewal for the entire life of the policy

2. Max Bupa Heartbeat Health Gold Plan:

The great thing about this coverage offered by Max Bupa Health Insurance Company Limited is that it covers up to 50 family members and 13 relationships between the age group of 3 months and 65 years.

What does it cover?

• For the first year, the vaccination cost for the new born baby will be covered.

• New born baby will be covered from birth until the renewal of the policy.

• Maternity benefits for up to 2 babies

• Access to health advice round the clock

• Health checkup on renewal

• Coverage to all day care procedures

• Cashless facility

• Assured plan renewal for life.

3. Apollo Munich Easy Health Exclusive:

This family plan is offered by Apollo Munich Health Insurance company and it covers the following benefits:

• New born baby cover

• Additional cover for critical illness

• Maternity expenses

• Day care procedures

• Emergency ambulance

• Pre and post hospitalization

• Reimbursement in the case of treatment in non-network hospitals

• Cashless facility in the case of network hospitals

• Assured plan renewal for life.

4. Reliance health wise family floater:

The maximum age limit for this policy offered by Reliance General Insurance Company Limited is 75 years and the maximum age limit offered by this policy is 55 years.

What are covered?

• Day care procedures

• Emergency ambulance

• Nursing, boarding and room rent expenses in the case of hospitalization

• Reimbursement in the case of non-network hospitals

• Cashless facility in the case of network hospitals.

In addition to these top 4 policies, ICICI Lombard Health Advantage, Bajaj Allianz Health Guard, Oriental Happy Family Floater, United India Family Medicare, New India Mediclaim and National Insurance Varishtha Mediclaim hold top positions in India.

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