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Health Insurance 1241 views March 15, 2021
In recent times, health risks are on a rise and so are medical expenses. So, we need financial support to deal with such situations. None better than a self-health insurance plan that can help us do so. With this plan, you can cover yourself against unwanted medical expenses. It will pay for your hospitalization expenses like room rent, nursing, ambulance, medicine/drugs, etc. Lets’ know more about self-health insurance plans and their benefits below.
Table of Contents
Sum insured is the amount up to which you can get the cover for medical expenses. And if you seek an insurance plan with a high sum insured up to INR 1 Crore, below are the plans you would like to see –
Policy Name | Sum Insured (In INR) |
---|---|
HDFC ERGO my:credit Comprehensive Suraksha | 1 Lakh to 5 Crore |
Star Comprehensive Insurance Policy | 5 Lakh to 1 Crore |
Niva Bupa Health Companion - Family Health Insurance Plan | Variant 1: 3-4 Lakh Variant 2: 5-12.5 Lakh Variant 3: 15 Lakh to 1 Crore |
IFFCO Tokio Critical Illness Benefit Policy | 1 Lakh to 1 Crore |
Aditya Birla Activ Assure Diamond Plan | 10 Lakh to 2 Crore |
`New India Premier Mediclaim Policy | Plan A: 15-25 Lakh Plan B: 50 Lakh to 1 Crore |
In terms of overall benefits, we have listed out the following self-health insurance plans for you.
Individual Health Insurance | Benefits |
---|---|
Aditya Birla Activ Assure Diamond Plan |
|
ICICI Lombard Complete Health Insurance |
|
Niva Bupa Health Companion Individual Plan |
|
Star Medi classic Insurance Policy (Individual) |
|
HDFC Ergo My Health Suraksha Plan |
|
New India Premier Mediclaim Policy |
|
Many ask – how much do I need to pay towards health insurance? Here, your affordability will come into the picture. So, taking care of your concern, we have listed some of the top self-health insurance plans and their premium amount. Let’s check!
Individual Health Insurance Policy | Minimum Annual Premium Amount (In INR) |
---|---|
New India Mediclaim Policy | 2,708 |
Oriental Insurance Individual Mediclaim Policy | 1,566 |
Aditya Birla Activ Assure Diamond Plan | 2,774 |
HDFC Ergo My Health Suraksha Plan | 4,192 |
United India Individual Health Insurance | 1,663 |
Niva Bupa Health Companion | 424 |
ManipalCigna ProHealth Select | 2,090 |
Future Generali Comprehensive Health Insurance | 4,414 |
Star Medi Classic Insurance Policy | 2,510 |
Yes, there is a no-claim bonus in self-health insurance that you can avail of after every claim-free year. To get this bonus, you don’t have to do anything, just pay your premiums timely without any break and renew the policy before its expiry date. If you follow this, you can get 10-50% of the base sum insured as a no-claim bonus after each claim-free year. The bonus can rise to a maximum of 100% of the base sum insured.