09/10/2019 Top 10 Health Insurance Plans to Consider in 2019

(https://www.gibl.in/blog/health-insurance/top-10-health-insurance-plans-to-consider-in-2019)

Top 10 Health Insurance Plans to Consider in 2019 (https://www.gibl.in/blog/health-

insurance/top-10-health-insurance-plans-to-consider-in-2019)

 May 27, 2019  Gautam Sarkar (https://www.gibl.in/blog/author/gautam)  Health Insurance

(https://www.gibl.in/blog/health-insurance),  34061 Views

When it comes to choosing the best health insurance plan for us or our family, for most of
the time, we all are clueless. We generally can’t x a particular health insurance when we
consider buying one. To take this load o of your shoulder, I’m going to give you a glance at
the top 10 best health insurance plans that you must consider buying in 2019.

In today’s world, you can’t really deny the signi cance of having health insurance. The price of
medical treatment is rising at full pace on a daily basis and you can’t really predict your
hospital bills.

However, when it comes to mediclaim policies, the market is already packed with di erent
options to explore and it’s completely up to you to pick the desired health insurance plan
intelligently. And we can understand that it can be a tough job for you. So, to provide you with
ease I’m giving you a list of top 10 health insurance policies you can consider buying in 2019.

1. Religare Care Health Insurance Plan (https://www.gibl.in/reliance-general-

insurance/reliance-health-insurance.html)

This is basically a comprehensive health insurance plan. Let’s nd out the special features of
this plan as to why it’s among the top 10 health insurance plans in 2019.

The policy has been designed to help you and your family during a medical emergency.
This health insurance plan comes out with no upper age limit bar. Now this means that it can
be applied to a 100 years old person or individual.
Religare care o ers free health check-up once every year, regardless of claims led, to
individuals of age 18 years and over.
This health plan provides no claim bonus (NCB) super add-on cover which makes no claim
bene t equivalent to 60% of the Sum Insured.
The policy comprises a number of speci c treatments that can be done anywhere in the world
for Sum Insured of INR 50, 00,000/- and above.
It covers ICU charges, ambulance charges, room rent, domiciliary expenses, day care
procedures, medical check-up and pre and post hospitalization expenses.
The policy also covers every hospital expense incurred.

2. Aditya Birla Active Assure Diamond Plan (https://www.gibl.in/aditya-birla-

insurance/aditya-birla-health-insurance.html)

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09/10/2019 Top 10 Health Insurance Plans to Consider in 2019
Active Assure Diamond Plan from Aditya Birla comes at an a ordable premium. This health
insurance plan o ers a range of bene ts as well as extensive coverage. This health plan has
been designed to provide you comprehensive health coverage. Some of the unique features
and bene ts of this health insurance plan are listed below.

This health insurance plan o ers re ll of the Sum Insured, in case the Sum Insured and No
Claim Bonus (NCB)/Super No Claim Bonus is exhausted.
Under this plan, an insured can get up to 150% of additional Sum Insured (Rs. 50 lakhs at the
highest) for hospitalization in case of an unrelated illness.
It o ers coverage for alternative treatment procurers like unani, ayurveda, homeopathy and
siddha for a pre-decided limit.
Covers the pre-hospitalization expenses for 60 days and post-hospitalization expense for up to
180 days.
The plan will also cover personalized coaching by health professional who will instruct and
guide the insured person in case they’re su ering from hyperlipidemia, hypertension,
diabetes, asthma etc.
Aditya Birla Active Assure Diamond Plan covers a second opinion for a major critical illness like
kidney failure, heart attack, cancer etc from a doctor of a network hospital.

3. Apollo Munich Optima Restore Family Health Insurance Plan

(https://www.gibl.in/apollo-munich-insurance/apollo-munich-optima-restore-family-
oater.html)

Apollo Munich's Optima Restore Health Insurance Plan is basically a comprehensive policy that
comes with useful features like the Restore bene ts. Let’s nd out some of the unique features
and bene ts of this plan below.

This policy has been designed to o er better coverage. The minimum Sum Insured itself is
around 3 lakhs.
This health plan automatically gives back the basic Sum Insured in case it is completely
exhausted during a policy year. 
In case the coverage is used up, the Sum Insured is restored back at no additional cost.
The policy also comes with a multiplier bene t in case policy claimed has been led.
The multiplier bene t under this plan doubles the Sum Insured in 2 claim free years
You can get coverage for up to Rs. 50 lakhs by paying a higher premium with this health
insurance plan.
The policy also comes with children cover. It can cover children as young as 5 years.
The maximum age to buy this policy is restricted at 65 years. However, the policy can be
renewed throughout your life in a hassle free way.
There’s a waiting period of 3 years before you can get coverage for pre-existing diseases.

4. Cigna TTK ProHealth Plus

Cigna TTK ProHealth Plus health insurance plan (https://www.gibl.in/cigna-ttk-insurance/cigna-

ttk-health-insurance.html) has been formulated to give you value for money. The coverage that
is o ered under this plan is extensive while the premium payable a ordable.

You can avail bene ts such as premium discounts, health-related rewards, wellness packages
etc under this plan
This health insurance plan o ers a exibility of Sum Insured among four options: Rs. 4.5 lakhs,
Rs. 5.5 lakhs, Rs. 7.5 lakhs and Rs. 10 lakhs on the basis of the needs of the insurer.
Cigna TTK ProHealth Plus plan provides pre-hospitalization expenses cover for up to 60 days
and post-hospitalization expenses cover up to 180 days following hospitalization.
This health insurance plan also provides an emergency medical coverage across the world. In
case you are traveling abroad, you can avail this bene t up to the Sum Insured and it will be
reimbursed by the insurer.
It o ers repayment of Rs. 2,000/- for out-patient treatment charges like doctor’s consultation
fees, pharmacy expenses etc on yearly basis.

5. Star Family Health Optima (https://www.gibl.in/star-health-insurance/star-health-

family-health-optima-insurance.html)

Family Health Optima health insurance plan from Star Health Insurance has been formulated
to o er protection for the entire family in exchange of a single premium payment under a
oater Sum Insured. Some of the unique features that have given him a spot in the top 10
health insurance plans in 2019 are following.

The policy o ers compensation against Health Checkup expenses for up to Rs. 5,000/- once
every 3 years of the policy coverage

Under a single plan, this policy o ers wider coverage for the whole family and that too at a
reasonable premium.
Comes with a 100% automatic restoration of total Sum Insured
The policy covers new-born baby from 16th day of birth

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09/10/2019 Top 10 Health Insurance Plans to Consider in 2019
You can avail extra Sum Insured (auto recharge) without any additional cost, up to 30% of Sum
Insured.
It covers over 400 day care procedures
For treatment exceeding three days, Domiciliary Hospitalization Expenses are covered.
The coverage is expended to hospital charges, ambulance expenses, in-house treatments etc.
In case the Sum Insured is exhausted, it will be automatically restored. You can avail 3 auto-
restorations in a single policy period.
Star Health Insurance is associated with more than 6000 network hospitals.

6. Bajaj Allianz Family Floater Health Guard (https://www.gibl.in/bajaj-allianz-

insurance/bajaj-allianz-family- oater-health-guard.html)

Bajaj Allianz Health Guard health insurance policy is one of the best health plans from Bajaj
Allianz General Insurance Company. The policy provides total coverage against health
expenses. Some of the unique features of Bajaj Allianz Health Guard policy are mentioned
below.

This health insurance plan o ers cashless facility through 4000+ network hospitals all over the
country.
The policy comes with a lifelong renewal facility.
This health insurance plan o ers coverage for pre-hospitalization expenses for 60 days and
post-hospitalization expenses for 90 days.
Organ donor expenses and daycare expenses are covered under this plan.
Under this plan you can enjoy daily cash bene ts.

7. Max Bupa Health Companion (https://www.gibl.in/max-bupa-insurance/max-bupa-

health-insurance.html)

Sometimes an unforeseen illness can consume your hard earned lifelong savings, and force
you in debts. Max Bupa Health Companion plan has been formulated to deal with all such
health contingencies by securing you and your loved ones with a reliable health insurance
policy. Some of the unique bene ts and features of this plan is mentioned below.

Max Bupa Health Companion plan comes with 3 variants: individual, family oater and family
rst.
This health insurance plan o ers comprehensive coverage up to Rs. 1 Crore Sum Insured.
The policy covers all day care treatments.
It also covers domiciliary treatment and organ transplant expenses.
For additional coverage the plan o ers smart Top-up options
Cashless treatments can be availed at more than 3500 network hospitals associated with the
insurer
If you opt for a two-year policy tenure you can avail 12.5% discount on second year’s renewal
premium
You can avail hospital cash bene ts in addition to the in-patient treatment bene ts.

8. HDFC ERGO Health Suraksha (https://www.gibl.in/hdfc-ergo-insurance/hdfc-ergo-

health-suraksha.html)

Health Suraksha plan from HDFC ERGO comes with a number of special features and bene ts.
Find them out below.

There’s no restriction for the maximum age of entry under this plan.
This health insurance plan is preferably suited for senior citizens who want to take a new
policy at that age.
The minimum entry age of this policy is xed at 3 years.
The coverage that is o ered under this plan is in the range of 3 lakhs to 7.5 lakhs. This can be a
good option for people under the middle-income group.
You will have to wait for 4 years from inception of policy before you can coverage for pre-
existing diseases.
The best part about this health insurance plan is that you can get a discount of 5% on the
premium for every year in which you do not le any claim.
You can renew the policy throughout your life without any hassles.

9. Oriental Insurance Happy Family Floater Policy (https://www.gibl.in/oriental-

insurance/oriental-insurance-happy-family- oater.html)

Oriental Insurance Company being one of the public sector general insurance companies
o ers e ective health insurance plans. Happy Family Floater health insurance plan from
Oriental Insurance Company o ers extensive coverage and bene ts.

This health insurance plan o ers coverage for children as young as 3 months.
The maximum age limit of this plan is set at 55 years.
The coverage that comes with this plan ranges from Rs. 1 lakh to Rs. 10 lakhs. This certainly
provides various number exible options so that you can choose the appropriate cover as per

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09/10/2019 Top 10 Health Insurance Plans to Consider in 2019
your health requirements.
This health insurance plan is ideally suited for family
You can choose to bring a maximum of 8 members under a single plan.
The waiting period is 28 months in order to avail coverage for pre-existing diseases under this
plan.
You can avail attractive discounts of up to 20% if you have led no claims for the entire policy
period.

10. SBI LifeSmart Health Insurance Plan (https://www.gibl.in/sbi-general-insurance/sbi-

health-insurance/)

LifeSmart Health Insurance Plan from SBI General o ers extensive coverage and bene ts. Find
out some of the major features of the policy below.

This health insurance plan o ers coverage for individuals in the age group of 18 years to 65
years.
In case of coverage for children, the minimum age of entry is set at 3 months. This can be a
huge advantage for parents looking for coverage for newborn babies.
The policy o ers coverage in the range of Rs. 1 lakh to Rs. 5 lakhs.
You can cover as many as 6 members under this health insurance plan if you purchase this
plan for your entire family.
For pre-existing conditions the waiting period is just 28 months.
The exclusive feature of this health insurance plan is that the premium does not increase even
if you have led any claim and this will remain static for the period of 5 years.

Final Words

Well, these are the top 10 health insurance plans you should consider for your future health
requirements. When you secure yours or your family’s health with the best health plan you
need not worry about paying heavy medical bills.

A small amount of premium that you will pay now will come back with unimaginable bene ts.
Health insurance plan will provide bene ts in the long run. You can’t deny the importance of
having the best health insurance plan. Everyone is well aware of the saying ‘Health is Wealth’.
So, let’s just do our bit shield ourselves for the future given that emergencies can occur at any
point of time.

Also keep in mind that there are various categories of health insurance
(https://www.gibl.in/health-insurance/) that are available in the market. Concurrently, it is
uniformly imperative to select the right health insurance plan which ful lls all your needs and
matches your budget.

A mediclaim policy is the most protective cover that will defend your savings in the event of a
health emergency and will let you recover peacefully. In order to unearth the best health
insurance plan in India (https://www.gibl.in/health-insurance/) that suits you and your family,
don’t forget to compare di erent health insurance policies on the basis of your family’s needs.

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