Friday, 20 June 2014

Top Health Insurance policies from the Top-Insurers in India

By on 11:33

Everyone wishes for good healthy life. However, bad time comes without knocking. We expect best treatment in the best hospitals for our loved ones. Good treatment incurs big cost. This is why Health insurance comes into picture, which helps us to maintain financial losses due to hospitalization.
Buying the right health insurance policy is very important but it’s difficult, as it’s not something that We do on daily basis, and the information and pricing can be complex.
When we endeavor to find the best-suited health insurance policies, it includes as much information as possible. We cannot show everything but we can show you many things.
Following is the list of Top HealthInsurance policies offered by top insurers in India with the complete plan details, which can really help you get the right health insurance plans to secure the happiness of your loved once.
Apollo Munich
Max Bupa
Plan Name/ Features
Optima Restore-Family Floater
Religare Care
My Health
Medisure Classic Insurance-Family Floater
Heartbeat -Family Floater- GOLD plan
Room Rent
No Capping
Single private room
1% of sum insured max. 4000 per day ICU 2% of sum insured max. 6000 per day
No Capping
Pre-Existing Disease Cover
After 3 Years
After 4 Years
After 3 Years
After 4 Years
Maternity Benefits
Not covered
Not covered
After 4 years
If S.I. 5 Lacs , Rs 40000, S.I. 7.5 Lacs , Rs 45000, S.I. 10 Lacs , Rs 50000, Upto 2 deliveries (After 2 years)
Ambulance Charges
Upto Rs.2,000
Upto Rs.2000
Upto Rs. 1500
Cashless Benefit
In network Hospitals
In network Hospitals
In network Hospitals
In network Hospitals
Domiciliary Hospitalization
Upto 10% of sum insured
If S.I. 5 Lacs , Rs 25000, S.I. 7.5 Lacs , Rs 37500, S.I. 10 Lacs , Rs 50000
Free Health check up
Not covered
Every year
1% of sum insured (after 4 claim free years)
Yearly at the time of renewal
Tax Benefit
Sum Insured 5 Lakh/ Age 29 yrs

Insurance comparison is very important to getting the right health insurance policy. Keep following fine prints in mind while looking for the health plan-
·         Find the policy that meets your needs and must compare their features before making purchase decision.
·         Medical cost may vary from tier one cities to tier two cities. So do a check before finalizing health policy
·         Find what suits best - Individual HealthInsurance, Family Floater Insurance, or Critical illness insurance. This defines the investment cost and maximum benefits of the policy.

Hoping the above plan details help you a getting the right health insurance plans from the best insurer in India.

About Bajaj Capital Insurance

Bajaj Capital Insurance Broking Ltd.(BCIBL) is a IRDA approved composite broker and is a group company of Bajaj Capital which is serving customer since last 50 years.


  1. Always strategic planning, business plans for institutions are always important to monetize business plans in strategic manner. term insurance

  2. Interesting blog. This is one of my favorite blog also I want you to update more post like this. Thanks for sharing this article.
    Insurance Agents in Chennai

  3. There are many companies that provide good Health insurance in India and are also good at service but it will take more efforts to get best Car insurance comparison.