Best Health Insurance Plans: Medical, Family Insurance policy 2019-2020

Best Health Insurance Plans

Health insurance is a mandatory purchase because it helps you to meet the rising health care costs, in this way you can achieve a healthy future for yourself and your family. But this is the most complex insurance product in all. It comes with many riders and benefits and so it has so many forms.

To make this case more confusing, it has a long string to print properly, which has to intervene. Besides, many health insurance companies have to choose to buy a family health plan is no longer a simple matter.

But you can stop your confusion because in the policy market we look forward to getting you the best insurance. Choose your choice from 10 Best Health Insurance Plans in India These plans have been selected over others because they stand better on certain criteria such as eligibility, the specificity of features, coverage, strengths, limitations, and exclusion.

10 Best Health Insurance Plans
1. Star Health Senior Citizen's Red Carpet
2. Star Health Cardiac Care
3. Apollo Munich Optima Restore
4. ICICI Lombard Completely Health Insurence
5. Max Bupa Heartbeat
6. Religare Care - Health Insurance Policy
7. New India Assurance Public Mediclaim Policy
8. Bharti AXA Smart Health
9. Oriental Insurance Happy Family Floater
10. A & T Mai: Health Medicare Prime Insurance

1.Star Health Senior Citizen's Red Carpet

When you need it most, buying health insurance especially in old age becomes more and more expensive. Star Health has actually proved to be a star when it comes to providing services in a specific area. With the intention of meeting old age insurance needs, the company launched senior citizen's red carpet. This plan not only increased the admission age from 69 to 75 years but also worked to create overall coverage and included facilities suited to the elderly.

Standout features:
. Made for aged people between 60-75 years.
. The age of admission was increased to 75 years.
. Pre-existing insurance is covered only from the first year (except for those, for which treatment was received during the 12 months before the date of the proposal).
. 10% exemption can be availed at providing an investigation report for stress thallium, BP report, blood sugar, blood urea, and creatinine. Discount can also be availed if the insurer declares himself that no surgery has been renewed in the previous time of any surgery related to the brain, heart or cancer (there is no age limit for renewal).
. No medical screening is necessary.
. Emergency ambulance charges are included.
. Home remedies have been covered.

regular features:
. ICU Expenses, Nursing expenses, Surgeon fees, Advisory fees, Anesthetist and specialist fees, Blood cost, Oxygen, pacemaker, cost of medicines and clinical trials
. Before and after hospitalization expenses were covered
. Day Care Processes Include
. Tax Benefits under Section 80D

Exclusion:
. 30 days preliminary waiting period, no coverage has been given before.
. 2 years waiting period for specific diseases such as cataract, knee replacement surgery, etc.
. 1 year waiting period for specific diseases like hernia, hemorrhoids, etc.
. During the last 12 months from the proposed date, profit or profit is currently taken.
. Naturopathy treatment. cosmetic surgery
. Diagnosis Test

Is not good
. The only treatment in the network hospital can be availed.
. 50% of the claim amount for the insured person with pre-related diseases,
 I have to pay.
. 30% of the claim amount for the insurance holder for all other claims have to do.

2. Star Health Cardiac Care

It is an irony that in India, more than 32 million cardiac patients, no insurance company has come forward to satisfy the cardiovascular requirements, especially those who have heart surgery. Star Health has finally made a plan for 'Star Cardiac Care', which is specially prepared for heart patients. Innovative in the real sense, this plan is given in two forms - silver and gold

Standout features:
.Intended for heart patients of the age bunch between 10-65 years.
. Lifetime renewal (no age limit for renewal).
. Cardiac diseases occur after 3 months from the beginning of the policy.
. All the insurance holders will have to go through a medical screening.
. Coverage for cardiac disorders requiring surgery/intervention
. Coverage for cardiac medical management (for Gold Plans only)

regular features:
. The expenses admitted to the hospital are included.
. Before and after hospitalization expenses have been covered.
. there is an effortlessness time of 30 days.
. There is tax benefit under section 80D.

Exclusion:
30 days preliminary waiting period, no coverage has been given before.
Duration of 4 years (other than cardiovascular diseases) for pre-existing diseases
multi-year sitting tight period for explicit maladies like waterfalls, hernias, kidney stones, and so on.
90 day waiting period for cardiac-related complications
I site/hearing aid
Alternative treatment
Stem cell therapy
Cure
Pregnancy-related expenses

Is not good
It is available only as a personal plan, not as a floater plan
If the insured person is above 60 years of age, then he has to pay 10% of the claim amount.

3. Apollo Munich Optima Restore

Generally, in a health plan, if the amount of insurance made before the end of the term is used then the insurance holder is open for the remaining period. But Apollo Munich has initiated an adventurous initiative by launching Optima Restore, which restores the basic insurance amount (if it expires before the expiration date), then it is ready to use again. Without making any increase in premium, the amount refunded is reinstated.

Standout features:
After hospitalization, cover coverage up to 180 days (the normal period is 60 days)
Home remedies covered
Emergency Ambulance Cover
Lifetime renewal (no age limit for renewal)
Cost for organ donor cover
Profit reinstated
50% increase in the amount of insurance (maximum up to 100%) for each claim-free year.
5% off when the term is 2 years

regular features:
Includes the cost of hospitalization expenses.
Before and after hospitalization expenses have been covered.
Daycare procedures are included.
Tax Benefits under Section 80D

Exclusion:
30 days preliminary waiting period, no coverage has been given before
4 years waiting period for pre-existing diseases
2 year waiting period for specific diseases like cataracts, hernias, kidney stones, and so forth.
Treatment for HIV, Genetic Disorders and Related Diseases
Treatment for internal and external congenital diseases
non-allopathic remedies
Cosmetic treatment
Alcohol / Drug Abuse
Has hurt himself
Mental Disorders
War, nuclear war, or radiation work

Is not good
The sum insured will be restored only when the insured is admitted to the hospital as a result of the new insurer (and not the same insurance for which his insurance amount has expired)

4. ICICI Lombard Complex Health Insurance - I Health Plan

Good health insurance either works well in one class or provides broad coverage. ICICI Lombard Complex Health Insurance - I Health Plan is a perfect example of comprehensive coverage. No wonder, this was considered a 'product of the year' in a survey conducted by Nielsen in 2013.

Standout features:
The largest floater that covers all the family members under the same plan, including self, spouse, dependent parents, dependent children, siblings
There is no upper cap on entry age
Value-added services
Free health check (2 times a year)
Online doctor chat
Expert advice
Dietitian and nutrition specialist consultation
Discount coupon book
2 profitable additional items at the ostensible extra expense on base premium
Daily cash (500-1000 bucks) + Benefit benefits (Apart from the sum insured, up to Rs 10,000, lump sum was given to the insurance holder to take care of household expenses after hospitalization)
Critical Illness cover + Donor Expansions (Reimbursement up to Rs. 50,000)
No sub-limit is applicable to any major medical insurance, medical procedures, and joint replacement surgery.
Lifetime renewal (no age limit for renewal)
No medical examination required for persons under the age of 46

regular features:
The expenses of the patient hospitals including room charges, doctor/surgeon fees, medical bills, etc. are included in the expenditure.
Before and after hospitalization expenses were covered
A grace period of 15 days
Cashless hospital recruitment
Increase in the sum insured on each claim-free year
Tax Benefits under Section 80D

Exclusion:
30 days preliminary waiting period, no coverage has been given before
4 years waiting period for pre-existing diseases
multi-year hanging tight period for explicit ailments like waterfalls, hernias, kidney stones, and so forth.
Alcohol / Drug Abuse
Dental Care Expenses
I site/hearing aid
AIDS
Pregnancy-related expenses
Infertility and in vitro fertilization
Non-allopathic treatment
Suicide attempts/self-injury

Is not good
If a person is more than 46 years old, he will have to undergo a medical test to get insurance. ICICI Lombard will be tested on one of the named diagnostic centers.

5. Max Bupa Heartbeat

Heartbeat is a family-oriented health insurance plan with minimum exclusions and unique features like age of admission, inbuilt maternity, and new birth benefit, etc. It is available in three forms - silver, gold, and platinum
                                                Medical, Family  Insurance policy 2019-2020
Best Health Insurance Plans: Medical, Family  Insurance policy 2019-2020
Best Health Insurance Plans

Standout features:
Contains up to 13 relationships under a single policy
A free health check is done every other year
Direct Claim Settlement Without TPA Interference
High deductible options to get comprehensive coverage at nominal additional cost
No claim-based extra loading
Maternity Benefit (after 2 years waiting period)
Newborn baby cover
Vaccination for children up to 12 years
24x7 Health Advice Helpline
Relationship Manager for the convenience of a claim (for Gold and Platinum Plan)
Consultation and Diagnostic Testing (for Gold and Platinum Plans)
Outpatient Benefits (for Platinum Plan)
Lifetime renewal (no age limit for renewal)
Cover of donor's donor is covered
Organ transplantation (if absolutely necessary)
Home remedies
Emergency Ambulance Expenses

regular features:
Hospital recruitment expenses, including surgery, nursing care, doctor fees, operation theater charge, ICU charge, pathology, X-ray, diagnostic test, artificial transplantation, etc. have been included.
Cover of pre and post-hospital expenses
Cashless hospital recruitment in-network hospitals
Daycare expenditure
Increase in the sum insured on each claim-free year
Tax Benefits under Section 80D
Best Health Insurance Plans

Exclusion:
90 days of initial latency, no coverage has been given before (except in case of accident or emergency)
4 years waiting period for pre-existing diseases
multi-year sitting tight period for explicit illnesses like waterfalls, hernias, kidney stones, and so forth.
Addictive conditions and disarranges, maturing and destiny, aging and predestination, maintenance of artificial life, circumcision, dental / verbal treatment, conflict and disaster, congenital conditions, health and rehabilitation, cosmetic surgery, drugs and dressing out-patient or le-home use, vision , Experimental treatments, nature treatments, wellness clinics, HIV, AIDS, obesity, hereditary conditions, genetic disorders, sleep disorders, speech disorders
Non-Allopathic Treatment, Unrecognized Doctor or Hospital
Psychiatric and psychosomatic conditions
outpatient treatment
Self-inflicted injuries
The treatment has been received outside India.
Illegal activity

Is not good
If the person who has an insurer is above 65 years then he will have to pay 20% of the amount of the claim.
The initial waiting period is 90 days from the beginning of the policy (Normal initial waiting period is 30 days)

6 .. Religare Care - Health Insurance Policy

Religare Care is really comprehensive and offers great health insurance plans. Religare Care has set a new benchmark for health insurance by increasing the upper cap of the insurance amount to Rs 60 lakh.

Standout features:
Upon expiry of the end of the policy term, the restoration of the sum insured
Free health check-up every year
No maximum entry age limit
No claim-based loading
Ambulance expenditure covered
Cover of the donor's medical expenses
5% discount on 2-year policy conditions and more
Take advantage of treatment anywhere in the world
Cashless treatment and daily allowance
The policy can be bought online, no paperwork is required
Renewable lifetime (no age limit for renewal)

regular features:
In hospitalized expenses included
Daycare expenditure covered
Before and after hospitalization expenses were covered
Increase in the sum insured on each claim-free year
Tax Benefits under Section 80D

Exclusion:
30 days preliminary waiting period, no coverage has been given before
4 years waiting period for pre-existing diseases
multi-year sitting tight period for explicit maladies like waterfalls, hernias, kidney stones, etc.
Prior to issuing the policy, any pre-existing disease was diagnosed within 48 months.
Non-allopathic treatment
Self Infrared Enzymes
Alcohol / Drug Abuse
Care of teeth
I site/hearing aid
AIDS
Pregnancy disorders
congenital disease
Infertility and In vitro fertilization

Is not good
If the person who is an insurer is above 61 years of age, then he will have to pay 20% of the claim amount.

7. New India Assurance Public Mediclaim Policy

New India Assurance is the leading health insurance provider in India and is the most trusted name in the health insurance field. It provides many health insurance plans, among which the public Mediclaim policy is the best, not only because it is the cheapest health plan but also offers amazing discounts.

Standout features:
Ambulance fee is covered
Coverage is given to Ayurvedic / Homeopathic and Unani Medicine
Premium is exempt for family cover
Loyalty discount
Good health discount
Cumulative Bonus
Cost of health check

regular features:
Expenditure on hospitalization expenses
Before and after hospitalization expenses were covered
Day Care Treatment
Tax Benefits under Section 80D

Exclusion:
30 days preliminary waiting period, before no coverage has been given (in case of an accident or emergency)
4 years waiting period for pre-existing diseases
Besides being out of the accident, dental treatment
Weakness and common run down situations
Sexually Transmitted Diseases and HIV (AIDS)
cosmetic surgery
Immunization and Inoculation
Pregnancy and childbirth
War, Foreign Enemy Act, Radiation Ironing and Nuclear Weapons
Treatment outside India
Home remedies

Is not good
There is no flexibility in the sum insured There are only two slots in the amount offered for Rs 50,000 and Rs 75,000

8. Bharti AXA Smart Health

Bharti AXA Smart Health is an innovative insurance plan that really takes care of the health care needs of the insurance holder. These unique and useful features such as Inbuilt Critical Insurance Re profit, Private accident add-ons provide nominal additional costs, 11 separate value-added benefits and so forth.

extra features:
20 serious diseases including cancer, heart disease, coronary artery insurance, coronary artery bypass surgery, heart valves surgery, aorta for surgery, stroke, kidney failure, plasmic anemia, and stage lung insurance, and end-stage liver failure , Coma, major irritation, major organ / bone my, implant, multiple sclerosis, pulmonary hepatitis, motor neuron disease, primary pulmonary high Short Term, Terminal Insurance Ri, Bacterial Meningitis
Personal Accident Cover at Minor Extra Costs
Home hospital recruitment
Disease insurer's disease
Transplantation of limbs
Hospital Cash Allowes
Ambulance fee covered
Physical therapy fees are included
Recovery Grant (to cover household expenses after hospitalization)
With the person's expenses
Parental accommodation as a partner for child
(Generated from accident only)
Outpatient Emergency Treatment for Accidents
Child education fund
Transport of mortal remains
5% discount on renewal premium for every claim-free year (up to a maximum of 25%)
Cost of pre-policy health check
Cost of Regular Health Investigation (for each block of four claim-free years)

regular features:
Expenditure on inpatient hospitalization
Hospitalization expenses for pre and post hospitalization
Day Care Treatment
Tax Benefits under Section 80D

Exclusion:
30 days preliminary waiting period, before no coverage has been given (except in case of accident or emergency)
4 years waiting period for pre-existing diseases
Pregnancy-related expenses
Suicidal, Self-Injury or Insurance Ri, Mental Disorders
Anxiety, stress or depression, alcohol or drug use
Diseases like HIV or AIDS
I site/hearing aid
Cure
Treatment by family member treatment or self-medication
The treatment has taken from unregistered person
Treatment which is not scientifically accepted
The cost of recruitment to any hospital outside India

Is not good
Anyone over 46 years of age and anyone with a history of already existing insurance re would have to go through a medical examination to get insurance.

9. Oriental Insurance Happy Family Floater

This Oriental Insurance plan is a family floater plan to offer at a lower cost with valuable add-ons and discounts. The Happy Family Flotter provides you a complete family cover for yourself, your spouse, children, parents. It comes in two forms - in silver and gold form

Standout features:
A floater covering the provider and his family under an insurance plan
Under the policy, all the beneficiaries have a sum insured.
No medical screening till the age of 60
Personal Accident Add-ons (including Death and Disability)
Discount in foreign mediclaim policy premium when family floater policy is taken
If the TPA services are not selected then the premium will be deducted.
Home hospital recruitment
Cover of organ donor's expenses
Involvement among members (for newly married spouse)
The insurance holder enjoys a 5% discount on the premium for each claim-free year (up to 20%)
Daily Hospital Cash Allowes (For Gold Plan)
Attendant Allowance (for Gold Plan)
Life Hardships Survival Benefit (for Gold Plan)

regular features:
Hospital, patients covering rooms, boarding and nursing expenses, ICU expenditures, surgeons, medical practitioners, consultants, specialist fees, anesthesia, blood, oxygen, operation theater charges, medicines and drugs, X-rays, dialysis, chemotherapy, radiotherapy Costs, pacemakers costs, prostheses, and similar expenses
Tax Benefits under Section 80D

Exclusion:
30 days preliminary waiting period, before no coverage has been given (except in case of accident or emergency)
4 years waiting period for pre-existing diseases
multi-year sitting tight period for explicit infections like waterfalls, hernias, kidney stones, and so forth.
Besides being out of an accident, dental treatment
cosmetic surgery
Pregnancy and childbirth

Is not good
10% of the claim amount should be made by co-payment insurance, regardless of age (for Silver Plan). If the insurer makes a claim, they have to bear a loading fee (5% of the renewal premium). The policy can only be renewed till the age of 65 years.

10. Al & T Mai: Health Medicur Prime Insurance

It is surprising that there is a good plan like All-T & H Health Medicur Prime at the last place on my list. Well, that's because it is a plan that takes every possible feature from all the above-mentioned plans and fits it in a single pack. In the survey conducted by Nielsen in 2012, it was chosen as the product of the year.

Standout features:
In the event of serious insurance, two times the sum insured
Maternity benefits (up to Rs. 50,000)
New birth benefit
Pre-existing conditions covered after a 2 year probation period
Recovery of the insurance amount at the end of the policy termination
Recovery of lump-sum benefit to take care of domestic expenses after hospitalization
Free health check-up every hundredth year
The cashless settlement will be done within 6 hours
Unlimited Day Care Procedure
The cost of the donor's expenses is covered.
The ambulance fee is covered.
Hospital cash and expenses for the person
Concierge service is available for request in select cities
The personal case manager appointed to facilitate the claim process
24 by 7 claim relief
Lifetime renewal (no age limit for renewal)
If you are under 45 years of age then issuing an immediate policy without medical tests
No sub-limit on any medical expenses

regular features:
In-patient hospitalization expense is covered.
Before and after hospitalization expenses have been covered.
Increase in the sum insured on each claim-free year
Tax Benefits as per Section 80 (D)

Exclusion:
30 days preliminary waiting period, no coverage has been given before
4 years waiting period for pre-existing diseases
multi-year sitting tight period for explicit infections like waterfalls, hernias, kidney stones, and so forth.
Any home remedies
Suicide / Self-Infructed Injury
Mental disorders, anxiety, stress or depression
Alcohol / Drug Abuse
HIV / AIDS

Is not good
If the person with a life insured is above 70 years of age, then he will have to pay 25% of the claim amount. Best Health Insurance Plans: Medical, Family  Insurance policy 2019-2020

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