Before taking any health insurance policy, it is very important to get all the information about that policy. In which insurance policy, which diseases will be covered and which are not, it is necessary to have knowledge of the terms of the policy and its features.
The cost of treatment in hospitals has increased a lot these days. That’s why health insurance policy has become very important now to cover emergency medical expenses. The health insurance policy is used to pay the expenses incurred in the treatment, the money spent on admission to the hospital and the amount spent after the discharge.
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Before taking any health insurance policy, it is very important to get all the information about that policy. In which insurance policy, which diseases will be covered and which are not, health insurance policy should be taken only after getting detailed information about the terms and conditions of the policy and its features. Today we are telling you about some of the best health policies.
Aditya Birla Active Health Platinum Plan (Aditya Birla Activ Health Platinum Plan)
This insurance policy covers medical expenses ranging from Rs 2 lakh to Rs 2 crore. The list of network hospitals of the policy includes more than 10,000 hospitals. For someone who is looking for a comprehensive health insurance plan, Aditya Birla Active Health Platinum Plan is ideal. This insurance policy covers diseases like diabetes, asthma and high blood pressure from the day itself. This policy covers medical expenses incurred by the policyholder for 60 days prior to hospitalization and 180 days after discharge from the hospital. The cost of tests, consultations and medicines are covered in this policy.
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Star Health Senior Citizen Red Carpet Health Policy
Star Health’s Senior Citizen Red Carpet Health Policy ranges from Rs 1 lakh to Rs 25 lakh. The list of the company’s network hospitals includes more than 12,000 hospitals. This policy has been made keeping in mind the people of 60 years or more. This policy is available for a term of one, two and three years.The special thing about this policy is that it does not require pre-insurance medical test and the sum assured is available up to Rs 25 lakh. Day-care, surgeries, modern therapies like brain stimulation, robotic surgeries etc are covered in this policy.
ICICI Lombard Complete Health Insurance Policy
In this health insurance policy, cover from one lakh to 50 lakh rupees is provided. More than 6,500 hospitals are associated with the company. It is a comprehensive health insurance plan available for individuals and families. There are also many sub-plans in this. Pre-medical checkup is not required for the policyholder up to 45 years of age. Two health checkup coupons are given every year in the family floater plan. Not only this, the disease up to two years before the date of commencement of the policy is also covered in this plan.
Star Family Health Optima
This insurance policy provides health insurance cover to the entire family on a family floater basis. In this, the premium also has to be paid very less. If the insured meets with an accident, the sum insured automatically increases by 25% (up to Rs.5 lakh). The policy pays for hospitalization expenses, including room rent, medicine and drugs. Apart from this, ten percent of the sum insured is also paid for emergency ambulance charges and air ambulance.
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HDFC ERGO Health Suraksha
This policy provides health insurance cover from Rs 3 lakh to Rs 10 lakh. This policy is acceptable in more than 13,000 hospitals across the country. This insurance plan provides optimized coverage and has no age limit. The policy covers expenses for day-care, AYUSH treatment and organ donation. Apart from this, it also bears the cost of maternity benefit, newborn care and mental illness and air ambulance.
