Health Insurance 663 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.

Health Insurance

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Sum Insured Under Self-health Insurance Plans

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 NameSum Insured (In INR)
HDFC ERGO my:credit Comprehensive Suraksha1 Lakh to 5 Crore
Star Comprehensive Insurance Policy5 Lakh to 1 Crore
Niva Bupa Health Companion - Family Health Insurance PlanVariant 1: 3-4 Lakh
Variant 2: 5-12.5 Lakh
Variant 3: 15 Lakh to 1 Crore
IFFCO Tokio Critical Illness Benefit Policy1 Lakh to 1 Crore
Aditya Birla Activ Assure Diamond Plan10 Lakh to 2 Crore
`New India Premier Mediclaim PolicyPlan A: 15-25 Lakh
Plan B: 50 Lakh to 1 Crore

Top Self Health Insurance Plans

In terms of overall benefits, we have listed out the following self-health insurance plans for you.

Individual Health InsuranceBenefits
Aditya Birla Activ Assure Diamond Plan

  1. INR 10 lakh-2 Crore Coverage

  2. Policy term of 1 year, 2 year or 3 years

  3. No maximum age limit

  4. Coverage of in-patient, pre-hospitalization, post-hospitalization, ambulance charge, domiciliary and daycare treatments.
ICICI Lombard Complete Health Insurance

  1. Get coverage for in-patient treatment, doctor fees, cost of medicine, etc.

  2. Pre- and post-hospitalization benefits up to 30 and 60 days, respectively

  3. Reset of the sum insured, in case the policy doesn’t have enough sum insured to payfor claims due to previously made claims.

  4. Coverage for Daycare, OPD and Ayush treatments

  5. Ambulance transportation expenses are covered up to INR 1,500 per hospitalization
Niva Bupa Health Companion Individual Plan

  1. INR 3 lakh-1 Crore coverage

  2. Available benefits - in-patient treatment, health check-ups and hospital cash

  3. Premium rate starts from INR 424 per year
Star Medi classic Insurance Policy (Individual)

  1. Premium starts from INR 3,137 per year

  2. Additional sum insured

  3. Health check-up cost

  4. Automatic restoration of the policy sum insured up to 200% in a policy year

  5. Assisted reproductive treatments and newborn coverage
HDFC Ergo My Health Suraksha Plan

  1. No room rent limit

  2. Sum insured restoration

  3. Free health check-up on the policy anniversary

  4. Cashless home healthcare treatment
New India Premier Mediclaim Policy

  1. You, your spouse, dependent children and dependent parents shall be covered

  2. Sum Insured options from INR 15,00,000 to 100,00,000

  3. Coverage for room rent, nursing expenses, Intensive Care Unit (ICU), Intensive Cardiac Care Unit (ICCU), Surgeon, Anesthetist, Medical Practitioner, Consultants and Specialist fees.

    1. Hospital cash benefits

    2. Critical care benefits

    3. Ambulance charges

Self Health Insurance Comes with Affordable Premiums

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 PolicyMinimum Annual Premium Amount (In INR)
New India Mediclaim Policy2,708
Oriental Insurance Individual Mediclaim Policy1,566
Aditya Birla Activ Assure Diamond Plan2,774
HDFC Ergo My Health Suraksha Plan4,192
United India Individual Health Insurance1,663
Niva Bupa Health Companion424
ManipalCigna ProHealth Select2,090
Future Generali Comprehensive Health Insurance4,414
Star Medi Classic Insurance Policy2,510

Are There Any Bonuses in Self-health Insurance?

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.

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