Before taking any health insurance policy, it is very important to get all the information about that policy. It is necessary to have knowledge of which insurance policy will cover which diseases and which will not, the terms and conditions of the policy
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The cost of treatment in hospitals has increased a lot these days. Therefore, to cover the emergency medical expenses, now health insurance policy has become very important. A health insurance policy is used to cover the cost of treatment, the cost of hospitalization and the post-discharge amount.
Before taking any health insurance policy, it is very important to get all the information about that policy. Which insurance policy will cover which diseases and which will not, health insurance policy should be taken only after knowing in detail about the policy terms and its features. Today we are telling you about some of the best health policies.
Aditya Birla Active Health Platinum Plan
According to a report by NITI Aayog, this insurance policy covers medical expenses ranging from Rs 2 lakh to Rs 2 crore. The policy’s network hospital list includes more than 10,000 hospitals. The Aditya Birla Active Health Platinum plan is perfectly suitable for the person who wants to take a comprehensive health insurance plan. This insurance policy covers diseases like diabetes, asthma and high blood pressure from the day of taking the policy. In this policy, the policyholder is covered for medical expenses incurred in 60 days before hospitalization and 180 days after discharge from the hospital. This policy covers the cost of tests, consultations and medicine.
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Star Health Senior Citizen Red Carpet Health Policy
Star Health Senior Citizen Red Carpet Health Policy ranges from Rs 1 lakh to Rs 25 lakh. The company’s network hospitals list includes more than 12,000 hospitals. This policy has been made keeping in mind the people of 60 years and above. This policy is available for tenures of one, two and three years.
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The special feature of this policy is that it does not require pre-insurance medical test and the sum assured is available up to Rs.25 lakh. The policy covers day-care, surgery, advanced medical care like brain stimulation, robotic surgery, etc.
ICICI Lombard Complete Health Insurance Policy
The cover in this health insurance policy ranges from Rs 1 lakh to Rs 50 lakh. More than 6,500 hospitals are associated with the company. It is a comprehensive health insurance plan available to individuals and families. It also has many sub-plans. No pre-medical checkup is required for policyholders up to 45 years of age. Two health checkup coupons are given every year in the family floater plan. Not only this, illness up to two years before the date of commencement of the policy is also covered in this plan.
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Star Family Health Optima
This insurance policy provides health insurance cover to the entire family on a family floater basis. In this the premium has to be paid very less. If the insured becomes a victim of an accident, the Sum Insured automatically increases by 25% (up to 5 lakhs). The policy pays for the hospitalization expenses, which include room rent, medicine and medicines. Apart from this, 10% of the sum insured is also paid for emergency ambulance charges and air ambulance.
HDFC ERGO Health Suraksha, know here
This policy provides health insurance cover ranging 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 there is no age bar. The policy covers day-care, Ayush treatment and organ donation expenses. Apart from this, it also bears the cost of maternity benefit, newborn care and mental diseases and air ambulance.
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