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Health Insurance 839 views January 12, 2021
What should you consider when choosing a health insurance policy? One could answer this question in many ways. But ideally, one should look for maximum cover at least premium when choosing the best Health Insurance Policy. The maximum cover will ensure you don’t have to pay from your pocket in case something untoward happens to your health. Usually, insurers put certain limits regarding the coverage of different medical expenses. So choosing a policy with least or no limit on expenses will do yourself a lot of good! And if all that comes at a premium that you can afford, choosing the policy at the earliest will only put you in good stead.
If you talk about the top selling health insurance policies in India, they come with extended coverages, standout features and attractive premium rates. As a result, these policies have connected well with the customers. Want to join the list of such ‘Happy Customers’? Let’s read about such policies here and choose the best one for yourself.
Table of Contents
Let’s know first the health insurance companies that offer such top selling policies. These companies include Niva Bupa, Star Health, HDFC Ergo, Aditya Birla, etc. Niva Bupa’s Reassure, Health Companion, HDFC Ergo’s Optima Restore and My Health Suraksha, Star Health’s Family Health Optima are quite popular among customers. Let’s discuss these policies individually.
Of the wonderful health insurance policies that Niva Bupa has, we have picked out its best two – Niva Bupa Reassure and Niva Bupa Health Companion – based on the overall features.
Niva Bupa Reassure is a Family Health Insurance Plan that comes with unique features such as unlimited reinstatement up to the base sum insured in a policy year, up to 30% discount on renewal premium, 50% hike in the sum insured on not claiming in a year; which can go up to even 100%, etc. Check out below some other benefits of this policy.
Premium Payable
Starts from INR 9,111 per year
Niva Bupa Health Companion policy comes with a sum insured of up to INR 1 crore along with no cap on room rent except for suite and above room category. Along with that, you will get a no claim bonus, which means if you don’t claim in a year, your base sum insured increases by 20%. The maximum increase can be 100%. If the sum insured gets exhausted, you will get it back if the subsequent or current claim made is different from what’s already claimed during the policy year. Other benefits of this policy include the following –
Premium Payable
Starts from INR 5,085 per year
HDFC Ergo Health Insurance maintains an impressive claim settlement ratio, which was 90.32% for FY 2018-19. The list of top selling HDFC Ergo Health Insurance Policies includes Optima Restore and My Health Suraksha. Let’s discuss these two policies without any further delay.
This Optima Restore Plan from HDFC Ergo is renowned for its all-round features that include the restoration of cover after the first claim. Doesn’t matter whether you have utilized a partial or the entire sum insured, the restoration can happen. If you remain fit and don’t claim in a year, your sum insured can rise up to 100%, as part of the no claim bonus offering from HDFC Ergo. Additionally, the policy comes with the following benefits –
Premium Payable
Based on the city of residence
Another HDFC Ergo Health Insurance policy that has caught the attention of customers with its no limit on room rent, free health check-up every year, restoration of the sum insured if getting exhausted, cashless home treatment, etc. HDFC ERGO my:health Suraksha covers some other expenses that you could see below.
Premium Payable
Based on the city of residence
With more than 7,000 network hospitals across 650+ cities in India and having a distinction of insuring more than 8.9 million lives so far, Aditya Birla ranks among the top health insurance companies in India. Its top two health insurance policies are Activ Health Platinum Enhanced and Activ Assure Diamond. Let’s talk about each of these two policies.
This health insurance from Aditya Birla comes with a sum insured as high as INR 2 crores, a chronic management program, and the choice of the hospital room. What’s more, you could get rewards for staying fit and healthy. The reward comes in the form of earning 30% of the annual premium. You could either use that to pay your renewal premium or buy medicines and get diagnostic tests done, etc. The plan also comes with some other benefits that you could check below.
Above, you heard about rewards for staying fit and healthy. But what is the criterion for being called fit and healthy as far as the policy goes? Well, you need to take 10,000 steps per day, burn 300 calories a day or a 30-minute gym session. But what will help establish these fitness numbers? There is one Active Health App that does the same! Just download it and see the numbers on your screen.
Premium Payable
Depends on the sum insured plan, policy term, policy type, optional covers, and the age of the insured person
Like the previously mentioned Aditya Birla Health Insurance Policy, Activ Assure Diamond too comes with 30% earning of your annual premium. The criterion for the 30% remains the same as discussed for Activ Health Platinum Enhanced. What other benefits does this plan have? Let’s check out!
Premium Payable
Depends on the sum insured plan, policy term, policy type, optional covers, and the age of the insured person
Star Health Insurance Policies are living up to the expectations of customers by offering the best health covers at attractive premium rates. Family Health Optima and Young Star. Let’s check out the benefits of these policies.
Star Health Family Health Optima Policy is known for extra sum insured at no additional cost, free health checkup on not claiming in a year, restoration of the sum insured by 100% each time in case of exhaustion, etc. The restoration can be done for as many 3 times during the policy term. Let’s read some other benefits too.
Premium Payable
Starts from INR 5,825 per year
As the name suggests, Star Health Young Star Plan is designed for youth. People aged between 18 and 40 years can get this policy that comes in two variants – Silver and Gold. The best part about this plan is the no room rent limit for treatment in a single private room. Besides, it covers the cost of health checkup irrespective of the claim made by you, automatic restoration of the sum insured by 100% for subsequent hospitalization even for disease or illness for which the claim was made before, road traffic accident cover as per the specified limits, etc. Let’s check out some other features of this health insurance policy.
Premium Payable
Starts from INR 3,340 per year
Conclusion
Hope you have enjoyed reading the features of these top selling health insurance policies. Compare policies across aspects and choose the one that ticks the maximum boxes.