Treatment costs have risen over the years, and getting treated at a good hospital can sometimes end up costing a fortune. However, a good health insurance plan can help cover the costs associated with pre and post-hospitalization so that you can breathe in peace.
Let’s look at the 5 best health insurance plan in India that are best for providing comprehensive health care to cover all the critical aspects.
- Comprehensive Family Health Insurance
Care Health Insurance offers one of the most carefully thought-through health coverages in the industry when it comes to securing your loved ones. Their family floater plan covers annual health check-ups, robotic surgery, and domiciliary hospitalization costs up to a certain per cent of the sum insured. In addition, one can also avail of added perks such as no claim bonus, organ donor cover, and getting a second opinion. Moreover, there are no caps on room rent, upper age limits, or co-pay requirements, letting you breathe in peace so that you can have access to the best health insurance plan in India without breaking the bank.
- Critical Illness Cover
Even if you have a comprehensive health policy in place, lifestyle diseases are so common these days that sometimes they can lead to more serious illnesses requiring additional coverage. A critical illness plan offers a lump-sum amount helping you deal with treatment and other day-to-day expenses while you recover, providing monetary relief to your family. While having access to the best health insurance plan in India will cover all your hospitalization costs, a critical illness plan takes care of all the other expenses by giving out a lump sum amount as per the sum insured.
- Super Top-up Policy
A super top-up policy gives you additional coverage on top of your regular health policy, thereby significantly increasing your coverage. For example, suppose you have health insurance coverage of 5 lakhs and a super top-up policy of 5 lakhs in addition to that insurance. In that case, your total coverage comes to 10 lakhs, which means in case of hospitalization, once your initial coverage of 5 lakhs is exhausted, the super top-up policy will kick in. Therefore, getting a top-up plan makes all the more sense when it comes to protecting yourself and your loved ones.
- Senior Citizen Health Policy
After a person reaches a certain age, not all health care policies cover that person unless you have had continuous coverage with a lifelong renewability option; therefore, if you have older people in the family, a senior citizen health policy is crucial. This ensures that your loved ones get the best healthcare possible in the golden years of their life. Make sure that you read the entire policy document carefully to ensure whether there are any caps on room rent, or you have to bear some cost in the form of co-pay, to wipe out any last-minute hassles.
- Group Health Cover
Employers generally offer these as part of employee benefits which grants coverage to you and your family. These policies typically don’t have any waiting period for existing diseases which is a great thing; however, they are neither adequate nor reliable, as the policy ceases to exist in case you change your job. Therefore, to ensure continuous coverage, always have your health insurance coverage in place regardless of your employment status.
Health insurance is critical for the well-being of your family as it gives you the power to access the best healthcare possible without having to dig out your savings. However, if you still haven’t bought the best health insurance plan in India, the time is now. Accessing good healthcare is getting costlier each year, and new diseases keep cropping up, requiring advanced and costly treatment that only the best hospitals can offer. Therefore, we have listed down the best health insurance plan in India to get your family insured. Always remember, it’s one of the most critical investments you could ever make to safeguard your family’s health and give them the confidence that you have their back covered in the unfortunate event of someone falling sick and requiring hospitalization.
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