The growing medical care costs and increasing health vulnerabilities means that not having a health insurance is a high risk game. So if you are still not protected, here are some of the best health insurance plans for you to consider and make a great start to 2018.
Top five health insurance plans for 2018
Health insurance being a highly personalized subject, your needs may vary from an individual plan to a family floater plan. The following plans have all been highly popular with various individuals needs. You can choose the ones the suits your medical needs the best.
Apollo Munich Optima Restore
Apollo Munich Optima Restore is one of the popular health insurance plans ever since its launch. The biggest benefit of the plan is its ability to offer protection even if the entire sum insured is exhausted before the end of policy term. The plan offers three benefits namely Stay Active, Restore and Multiplier. With Stay Active benefit, the plan offers rewards for customers leading active lifestyle. The benefit attraction offers premium discounts by logging in walking miles while Multiplier benefit offers an increase in sum insured by 50% for no claim in the first policy year.
Max Bupa Health Companion Family Floater
If you are looking for a health insurance plan for yourself and your better half or even for yourself, spouse and the children collectively, Max Bupa Health Companion Family Floater is tailor made for your needs. The plan offers a choice of sum insured from Rs. 5 Lakhs to Rs. 12.5 Lakhs. The plan is one of the few that offers protection for all OPD procedures making it an apt health insurance plan for the family. Any in-patient treatment under AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) up to the base sum insured is also included under the plan. What's more the plan comes with a two years policy tenure option offering a 12.5% discount on the second year premium.
Bajaj Allianz Health Guard Individual Policy
If you are looking for a health insurance plan with a lifelong renewal option, the Individual Health Guard Insurance Plan by Bajaj Allianz is worth considering. The plan offers a sum insured option ranging from Rs. 1.5 Lakhs up to Rs. 50 Lakhs. As a unique benefit, if in-patient hospitalization treatment cover is exhausted, the plan reinstates 100% of the sum insured specified under inpatient hospitalization treatment cover. You also get a free preventive health check-up at the end of block of every continuous period of 3 policy years.
Reliance HealthGain on Installments Insurance Policy
If you are financially stressed and looking for an EMI based health insurance plan, you can go in for Reliance HealthGain on installments. The plan offers cashless hospitalizationion in over 4000+ preferred network hospitals across India. You can pay your insurance premium in 4 easy installments with health insurance premium starting as low as Rs. 2157. The plan also offers re-instatement of base sum insured, if you exhaust the total sum insured.
Conclusion: Health insurance should not be just your tax saving instrument but a definite part of your financial plan armory. Choose the best suited plans from those listed above and enjoy protection for self and the family.
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