The best health insurance policy for an individual will differ from person to person. Different factors like age, sex, location, income, and current risk diseases greatly affect in choosing the best insurance policy for you. However, in general, health insurance service providers in India offer great service at very competitive rates. So, here are our top 5 picks for the best insurance coverage for an individual in India.
- Religare Health Insurance
Religare Health Insurance provides one of the best plans for an individual’s needs in health coverage. Its special features include organ donor cover, domiciliary hospitalization, and second opinion cover. The plan also provides emergency ambulance cover (including air ambulance if necessary), global coverage, annual health check-ups and up to 150% no claim bonus. This health insurance is all-encompassing and very popular for individuals.
- Aditya Birla Health Insurance
When it comes to individual health insurance policy it does not get more comprehensive than Aditya Birla Health Insurance. This scheme covers everything from hospitalization to timely health check-ups. The policy also provides the opportunity to earn back up to 30% of your premiums as HealthReturns. Coverage for Ayurveda, Unani, Siddha, Yoga, Naturopathy, and Homeopathy systems are as well included.
- Reliance Health Insurance - MORE
Reliance Health Insurance – MORE health insurance is one of the most affordable health insurance plans that allows individuals with a wide range of options to choose from. It has a network of 4000 hospitals across India to avail cashless hospitalization and one as well avail reimbursement of both pre and post hospitalization expenses for over 60 days each. Also, at the end of each year and individual can claim-free year, a cumulative bonus of 33.33 percent on the basic sum assured at zero additional cost.
- Max Bhupa Health Companion
Max Bhupa Health Companion is another health insurance policy that is perfect for individual coverage. This health insurance promises cash approvals within 30 minutes. Other than this, it features limit hospital accommodation, no claim bonuses, and some useful and economical top-up options. It also offers discounts on 2-year policies. Its coverage, which includes hospitalizations, medication, and health check-ups, makes it a great policy for all the individuals.
- Apollo Munich Easy Health
The Apollo Munich Easy Health insurance offers individual health insurance under the name of Optima Restore. The scheme features an instant addition of 100% basic sum insured on the cover, on the first claim. Along with that the policy also offers complete coverage within 60 to 180 days of pre and post hospitalisation, up to 8% discount on premium renewal, medical expenses cover for all-day-care procedures and emergency air ambulance cover for life-threatening situations. Its comprehensive coverage and competitive rates make this policy a prime health insurance policy for individuals of all ages and gender.
Beyond the listed 5, there are of course several other health care policies that provide for individual needs relating to health. Look around online for different health plans that best suit your need. There are several online portals that let you pick and compare policies side-by-side so that you can find the best policy that suits your needs perfectly.
