Health Insurance 3224 views March 16, 2020

Short Term Health Insurance

Health Insurance policy is a type of policy which covers various healthcare expenses and provides numerous additional benefits such as pre and post hospitalisation cost, ambulance cost, free medical check-ups and many more. Short Term Health Insurance plans provide these and many more coverage benefits. They are annual policies which can be taken for a period of up to 3 years by paying the three-year premium at once.

Health Insurance

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Buying a suitable Health Insurance policy has become a necessity nowadays as medical treatments are getting expensive day by day. But it is a difficult task to select the best insurance policy as there are a variety of options offered by different companies. Therefore before choosing a policy, we should take into consideration various factors.

List of Short Term Health Insurance Plans in India

Care Health Care Insurance Plan

Care Health Care Insurance Plan is a comprehensive plan to fulfil everyone’s health needs. The plan covers the expenses incurred by the insurer in case of accident, medical illness or injury. It covers the expenses incurred before and after hospitalisation, during hospitalisation, daycare treatment, Annual health check-up and many more.

  1. Its gives coverage at every step from diagnosis of the disease till recovery.
  2. The sum assured is increased by 10% or maximum up to 50% in 5 years if there is no claim made under the plan
  3. The policy has no maximum limit on the age of entry
  4. The policy also offers automatic recharge of the sum insured if the claim amount exhausts the coverage. This benefit is allowed free of cost.

Niva Bupa Health Companion Individual Plan

Niva Bupa Health Companion Plan is designed for nuclear families or individuals. It covers insurer, his/her spouse and up to four children. It provides assured life long plan renewability, direct claim settlement, cashless facility etc.

  1. It covers the expenses of hospitalization when the insurer or the insured family member is hospitalized for treatment.
  2. It offers in-patient treatment under AYUSH (Ayurveda, Unani, Siddha and homoeopathy) up to the base sum insured.
  3. It covers all types of hospital accommodation expenses expect suite or above room category without capping room rent charges.
  4. It cover all daycare treatment not a few or selective. But such a procedure should not be in an outpatient department of the hospital.

Star Family Health Optima Plan

Star family health optima is a complete health insurance plan in which the entire family is covered. It covers the expenses incurred for illness or injury.

  1. The policy provides wide coverage for treatment of illnesses and accidents.
  2. The policy gives coverage of expenses incurred during hospitalization and also covers expenses incurred post and pre-hospitalization.
  3. Up to the age of 50 years, no medical check-up is required to buy the policy
  4. The policy offers 3 automatic restoration of sum insured by 100% every time if the coverage limit is used up in previous claims

HDFC ERGO Health Optima Restore Plan

HDFC ERGO health optima restore is a comprehensive plan in which sum assured is between 3 lakhs to 50 lakhs. It encourages the insurer to stay fit. Stay Active benefit it inspires the insured to simply walk his/her way to good health.

  1. The plan covers in-patient treatment, pre-hospitalization and post-hospitalization expenses.
  2. It provides preventive health check-ups on renewal irrespective of claims.
  3. Its also gives multiplier benefit wherein 50% of the basic sum insured is increased for every claim-free year subject to a maximum of 100%.
  4. It covers expenses up to 2.5 lakhs of ambulance transportation through aeroplane for emergency such as life-threatening health condition

HDFC ERGO Health Suraksha Gold plan

Health Suraksha Gold Plan is a simplified but wholesome health insurance plan that is suitable for everyone. HDFC ERGO knows the value of time that why it settles 90% cashless claim in less than 20 minutes.

  1. It offers its customer sum insured rebound benefits in which the insured gets additional sum insured for higher claims
  2. The plan covers in-patient treatment, pre hospitalisation and post-hospitalization expenses.
  3. It also covers alternative treatments that are non-allopathic as they supportĀ  AYUSH (Ayurveda, Unani, Siddha and homoeopathy) treatment.
  4. The plan also provides recovery benefit. If in case the insured is hospitalised for more than 10 days the plan pays a lump sum amount of Rs 15,000


Health Insurance policy is very important in this era where people are getting prone to diseases and when medical treatments are becoming equivalently expenses. But at the same time in this competitive market where lots of options of Heath Insurance policies are available, it is also important to buy the best plan. Thus, the above-mentioned list helps you in choosing the best health insurance plan for your coverage needs.

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