Best Health Insurance Companies in India

Since the past few years, the demand for health insurance has skyrocketed. Research has shown that the modern lives we lead make us more prone to illnesses and fatigue. In the twenty-first century, medical costs have reached an all-time high. Treating health issues and ailments are likely to deplete your savings. In such scenarios, a good health insurance policy comes to the rescue. It will allow you to receive treatment without having to worry about your finances.

The market is filled with multiple health insurance policy providers. In such a scenario, choosing the best health insurance company in India may become a confusing task. We have curated a list of some of the top health insurance policies, along with their features. This may help you to narrow down your selection. You may take you pick according to the insurance provider that offers you the specific coverage you seek.

1. Apollo Munich Easy Health

Apollo Munich Easy Health from Apollo Munich Health Insurance is one of the best health insurance plans in India. It offers you the following benefits: 

•    In-patient cure: This is useful when you want coverage against hospitalization charges for over 24 hours.
•    Cover for pre-hospitalization: This provides you protection against medical costs that you may incur up to 60 days prior to hospitalization.
•    Post-hospitalization cover: This provides you with coverage for any medical-related expenses that you may incur after discharge from the hospital.
•    144 varieties of medical expenditures (daycare)
•    Domiciliary medical benefit: This can let you receive treatment in the comfort of your own home, instead of needing to be hospitalized. This feature makes this policy provider one of the best health insurance in India.

2. ICICI Lombard Complete Health Insurance- iHealth

This health plan is recommended by many people as one of the best health insurance plans in India. It comes with the following benefits:

•    Cashless hospitalization in select hospitals, which are on their network
•    A health check-up for free
•    Emergency ambulance cover
•    Free 15 day look period
•    Tax benefit on the premium amount
•    An option of lifelong renewability
•    Covers for expenses related to the treatment of illnesses, hospitalization, and simple day care procedures. This benefit is not offered by many health insurance providers. 

READ: How to Select the Best Insurance for Your Car

3. Religare Health Insurance- Care

This health insurance policy protects you and your loved ones against financial liabilities that may occur due to a medical crisis. It comes with the following key benefits:

•    Coverage for daycare and room rent expenses 
•    ICU expenses cover
•    Pre and post-hospitalization charges cover
•    Ambulance charges cover
•    Medical checkup cover
•    Domiciliary hospitalization. This offers cover against medical costs if you are treated at your house for more than three consecutive days. This ensures that your treatment is not delayed.
•    Another noteworthy feature of Religare Health Insurance plans is that none of them have an upper age restriction at the time of enrollment. Once you are legally an adult, you can apply for a health insurance policy from this company no matter how old you are.

4. Bajaj Allianz Health Guard

A noteworthy policy offered by Bajaj Allianz is the Bajaj Allianz Health Guard. This policy ensures that you and/or your loved ones get timely and top-quality treatment when needed. The plan has benefits like:
 
•    Pre-hospitalization and post-hospitalization coverage
•    Coverage includes consultations and medical expenses
•    Cashless hospitalization with a large network of over 4000 hospitals across India
•    Lifelong policy renewability option

5. Max Bupa Health Companion Health Insurance Plan

Multiple health insurance policies are offered by Max Bupa.  You can customize your health insurance policy as per your requirement. A noteworthy plan is the Max Bupa Health Companion Health Insurance Plan. A few features of this policy include:
 
•    Pre-hospitalization and post-hospitalization coverage
•    In-patient care depending on the base insured sum
•    Daily allowance in cash

As the popular adage goes, “Health is Wealth”. Nothing holds truer in today's day and age. If you are healthy, you can continue to live your life to the fullest. Unfortunately, medical emergencies do not give any warning before surfacing. When faced with unanticipated medical emergencies, it will be a great relief to be covered with a robust health insurance plan. You can ensure that any medical emergency does not become a financial burden on you or your loved ones. What may be the best health insurance policy in India for someone else may not be so for you. There are multiple aggregator websites, which allow you to compare health insurance policies online at a glance. It is recommended that you conduct a study and compare multiple policies. Following this, you can choose the one that fits best with your health history, family, and lifestyle. 

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