Top 4 Health Insurance Companies Offering Low Premium Policies


Health insurance policies can provide medical assistance of up to Rs.  2 crores.
Medical health insurance insurance policies can present medical help of as much as Rs. 2 crores.

Drug costs are on the rise, and medical health insurance is now a should for each particular person and household to cowl emergency medical payments. A medical health insurance coverage protects you from exorbitant medical payments, hospitalization prices, and pre- and post-medical bills.

When selecting a medical health insurance plan, you must perceive the implications, limitations, phrases, advantages, and many others. That will help you out, listed here are among the finest medical health insurance insurance policies in India for 2022.

Finest medical health insurance plans in India

Activ Well being Platinum Plan by Aditya Birla

This insurance coverage plan covers medical payments starting from Rs 2 crore to Rs 2 crore. The Aditya Birla Activ Well being Platinum plan is a wonderful various for people who find themselves in search of a complete plan for themselves because it provides many advantages that are perfect for them.

The next are the fundamental elements of the coverage:

It covers 60-day pre-hospitalization and 180-day post-hospitalization expenses, and covers power situations together with diabetes, bronchial asthma, and hypertension ranging from the primary day of protection.

Pays for checks, consultations, and drugs. Moreover, sickness, weight problems remedy, and residential care are lined for the sum insured. The coverage covers Rs 1,000 in outpatient visits (obtainable for an insured quantity of Rs 15,000 and past).

Crimson Carpet Well being Coverage for Seniors at STAR Well being

The coverage gives protection starting from 1 lakh rupees to 25,000 rupees, with greater than 12,000 community hospitals.

This insurance coverage is particularly created for older folks aged 60 or over. Different medical health insurance insurance policies usually embrace a most age restrict of 65 years. The insurance coverage is out there on a person and household foundation and consists of tenure choices for one, two and three years.

Listed below are the principle options of the plan:

There is no such thing as a requirement for a pre-insurance medical examination, and an insured quantity of as much as Rs 25,000 is offered.

It covers day care procedures, surgical procedures, and superior therapies together with deep mind stimulation, robotic surgical procedure, intravitreal injections, thermal bronchoplasty, and extra. From the second 12 months, protection covers pre-existing illnesses.

ICICI Lombard’s full medical health insurance coverage

The coverage gives protection starting from Rs. 1 lakh to Rs. 50 lakh, with a community of greater than 6,500 hospitals. ICICI Lombard Full Well being Insurance coverage Plan is an entire medical health insurance coverage for people and households.

The principle traits embrace:

Covers pre-existing phrases for 2 years after beginning protection (obtainable on plan with insured quantity of Rs 3 lakh and above)

There is no such thing as a co-pay or pre-medical examination required for policyholders beneath the age of 45. Every year, the Floating Household Plan provides two supplemental well being test vouchers.

Star Household Well being Optima

The coverage gives protection starting from 1 lakh rupees to 25,000 rupees, with greater than 12,000 community hospitals. The coverage protects all members of the family on a floating household foundation in return for a low premium.

The principle traits of the plan

  • If the policyholder is concerned in an accident, the insured funds are instantly boosted by 25% (as much as 5 lakhs) (topic to additions).

  • If the policyholder fails to resume protection, they’ve a 120-day grace interval to take action.

  • Covers hospital bills equivalent to room expenses, remedy, and drugs. As well as, 10% of the funds being lined are earmarked for bills equivalent to emergency ambulance charges and air ambulance.

  • It covers 60-day pre-hospital charges and 90-day post-hospital bills. She pays for organ transplants which price as much as 1 lakh rupees.

First printed on: Jul 09 2022 at 05:04 GMT