Best Health Insurance Plans for Individuals

Looking at the cost of healthcare treatments these days, having a health insurance plan is imperative for all. It saves your hard-earned money from getting spent towards costly treatment should you witness a medical emergency. As an individual, you would be able to take care of your loved ones only when you are fit both financially and physically. If you fall ill, a health insurance plan will ensure that your family doesn’t panic about finances to give you proper treatment.

If you want to choose a health insurance plan for yourself, this page could be a good read. On this page, we will talk about top health insurance plans for individuals along with their features & benefits. Let’s start to know more!

Features and Benefits of Top Health Insurance Plans for Individuals

Several insurance companies provide a wide range of health insurance plans to individuals. Higher sum insured amount, affordable premium, option to pay a premium in installments, and wider coverage benefits are some of the key features that people should look for in a plan.

Considering these factors, some popular health insurance plans are Star Comprehensive, HDFC Ergo Suraksha Gold Smart, Niva Bupa Health Companion, Bajaj Allianz Individual Health Insurance Plan and Aditya Birla Activ Assure Diamond.

We will be discussing the features and benefits of these plans one after another below. Please check!

Star Comprehensive Health Insurance Policy

Star Comprehensive Plan could be the right option for individuals who want to ensure financial protection in a medical emergency. You can check its key features mentioned below.

1. Flexible Sum Insured Options ranging from INR 5 lakh to 1 crore
2. Policy term of 1, 2 or 3 years
3. The minimum premium amount is INR 7,015
4. All Day Care Procedures Cover
5. No capping on room rent
6. Organ Donor Expenses up to the sum insured limit
7. Modern treatments covered up to the sum insured with a sub-limit
8. Maternity Cover
9. Automatic sum assured restoration
10. Option for Second Medical Opinion
11. Personal accident cover
12. Air Ambulance Expenses up to INR 2,50,000 per hospitalization (With a maximum of INR 5 lakh per policy period)
13. Health check-up every policy year
14. Complex medical procedures coverage
15. Mid-term inclusion of newly married or wedded spouse

HDFC ERGO Suraksha Gold Smart Plan

HDFC ERGO understands the diverse needs of individuals and offers Suraksha Gold Smart Plan to give you the right health coverage at an affordable premium. We are discussing the crucial features mentioned below.

1. Multiple Sum Insured Options – INR 7.5, 10 and 15 lakhs
2. No Limit on Room Rent Coverage
3. Sum Insured Rebound Facility to get an additional sum insured
4. Free Health Check-up every policy year
5. Pre and Post-hospitalization Cover

for 60 and 180 days, respectively

1. Mental Healthcare Cover
2. Recovery Benefit up to INR 15,000 (If hospitalization exceeds ten continuous days)
3. Alternative Treatments
4. Air and Road Ambulance Cover
5. Hospitalization Expenses (Bed charges, nursing charges, blood tests, ICU, etc.)
6. Home Healthcare Facility

Niva Bupa Health Companion Insurance Plan

If you want to make sure that your finances remain intact in a medical emergency, Niva Bupa Health Companion Insurance Plan could be a perfect companion. Look below to know more features of this plan.

1. Choose from Multiple Variants and Sum Insured options up to INR 1 crore
2. Coverage for All Day Care Treatments like Dental, ENT Procedures, etc.
3. Pre and Post-hospitalization Expenses Cover for 30 and 60 days, respectively
4. Hospital Cash up to INR 4,000 per day
5. Emergency Ambulance Cover up to INR 3,000
6. No Cap on Room Rent (Except Suites)
7. Cashless Health Check-ups according to your Convenience
8. No Claim Bonus of 20% increase in the Sum Insured (in the following year) on not claiming in a policy year, up to 100% of the basic sum insured
9. Lifelong Renewability Option
10. Alternative Treatment Coverage for AYUSH
11. Tax Benefits under Section 80D of the Income Tax Act, 1961

Bajaj Allianz Individual Health Insurance Plan

Bajaj Allianz Individual Health Insurance Plan acts as a financial shield in a medical emergency. To know more, check out its features mentioned below.

1. Platinum Plan Option to enjoy Cumulative Bonus of 50% per Claim free year
2. Option to choose from 3 Plan Variants
3. Flexible sum insured ranging from INR 1.5 lakh to 1 Crore
4. Daycare Procedure Coverage
5. Daily Cash Benefits up to INR 500 per day (up to 10 days of Hospitalization)
6. Road Ambulance expenses up to INR 20,000 per policy period
7. Bariatric Surgery Coverage
8. Pre and Post-hospitalization Coverage for 60 and 90 days, respectively
9. Maternity and Newborn baby cover
10. Ayurvedic and Homeopathic Treatment up to INR 20,000
11. Coverage for your extended families such as parents, in-laws and siblings
12. Recharge Benefit when you exhaust your sum insured because of your higher claim amount

Aditya Birla Activ Assure Diamond Health Insurance Plan

Do check the prominent features of the Activ Assure Diamond Health Insurance Plan from Aditya Birla mentioned below.

1. Flexible sum insured options up to INR 2 crore
2. Coverage against up to 586 Daycare Procedures
3. Earn HealthReturns worth up to 30% of your premium
4. Pre and Post-Hospitalization Expenses cover for 30 and 60 days, respectively
5. Daily Hospital Cash Allowance of INR 500 per day (For a maximum of 5 days of hospitalization)
6. Organ donor expenses coverage
7. The minimum annual premium amount of INR 2,774
8. AYUSH Treatment coverage
9. Road ambulance coverage up to 100% of the actual cost incurred
10. Domiciliary hospitalization coverage
11. Additional sum insured option (In case of an accidental hospitalization)
12. Second E-opinion on critical illness