Best Health Insurance Plan in India: Today there are many options for the best family floater health insurance scheme in India. If needed, just go to every possible website and find out the plan for you. The plan which is good for a person is not necessarily good for the other.
Examples of some of the best family floater health insurance schemes available in India are given below. We have brought the list of the cheapest and most expensive schemes in the growing sequence, including the details of the benefits that come from these schemes. We want to emphasize the need for investment in a health insurance plan because it can also get tax benefits under the Income Tax Act.
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Oriental Insurance The Oriental Insurance Company offers a scheme called Happy Family Flotor. The cost of the premium family float plan of Oriental Insurance is 9297 rupees. Under this Happy Family Floater Plan, there is a provision of 90 percent of total treatment expenses and 10 percent expenditure by the insurance company. This scheme starts covering after 4 years for pre-existing illness.
Under the scheme, the rent of the room is limited to 5000 rupees. No free health checks come under this scheme. Allopathic treatment, non-allopathic treatment such as Ayurvedic/homeopathic / Greek treatment etc. have been covered under this scheme. In this scheme, the policyholder gets a claim bonus only if the policy is claimed.
Star health The name of the Insurance Plan of the Star Health and Allied Insurance Company is Family Family. Details of all the benefits covered and not covered in this plan are given here. The cost of the premium for STAR Health Family Optima is Rs 11,055.
Best Health Insurance Plan in India
The Family Optima Scheme for the Pre-existing Disease starts coverage after four years. The rent of the room depends on the city where the treatment is being taken and the limit is from Rs 2,000 to Rs 15,000. Free health check-counseling fees and health checks are included in this scheme. This plan also provides the option of lifetime renewal.
#1. Bharti AXA
Bharti offers AXA General Insurance, Smart Health Salt Scheme. The premium cost of Bharti AXA Smart Health Scheme is Rs. 12,064. 100% coverage is provided in this Smart Health Scheme. Like other plans, coverage of pre-existing illness also starts after 4 years. The room rent is fully covered by this policy. This plan also provides the option of lifetime renewal.
#2. Max Bupa
The name of a health plan of the Max Bupa Health Insurance Company is the Companion Family Floater Plan. Several benefits have been provided in this plan. The premium amount under the Max Bupa Health Companion Family Floater Plan is Rs 13,718. Some of the various benefits under the scheme include unlimited waist-rent, lifetime renewal, no-claim bonus and free health check.
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However, under this scheme, pre-existing diseases have not been covered. However, free health check-up consultation and health check-up have been included in this plan. If the policy is not claimed, then the policyholder does not get any claim bonus. This plan also provides the option of lifetime renewal.
#3. ICICI Lombard
ICICI Lombard General Insurance has a plan health plan. The premium cost of this scheme is Rs. 14,668. There is no restriction under the scheme and coverage is 100 percent. Like all other health insurance companies, the coverage of pre-existing illness begins even after 4 years under this scheme.
The room rent is fully covered by this policy. You can also take advantage of a free health check and free consultation under this plan. Non-Allopathic treatments such as Ayurvedic / Homeopathic and Unani treatment are not covered under this scheme. In this plan, if the policy is not claimed, the policyholder will not get any claim bonus. This plan has also been given the option of lifetime renewal.
#4. Apollo Munich
This is another popular health insurance company. The name of Apollo Munich Health Insurance Company Limited’s plan is Optima Restore. Premium of Rs 15,274 under Optima Restore You get 100 percent coverage in this scheme. Significantly, the coverage of pre-existing illness will start only after 3 years, whereas in other insurance companies it starts after 4 years.
The room rent is fully covered under this policy. Under this scheme, you can also take advantage of Free Health Check up to No Claim Bonus. In this plan, if the policy is not claimed, the policyholder does not get any claim bonus.
#5. Tata AIG
Madi Prime, Tata AIG General Insurance Company Limited has a plan. The cost of the Medi Prime Plan premium is Rs. 15,488. Like most other insurance companies, 100 percent of the total amount is also covered under it. This scheme starts covering after 4 years for pre-existing illness.
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Another major benefit of this scheme is that the room rent is fully covered in it. It also includes free health check and consultation. It is worth noting that non-allopathic treatment like Ayurvedic, Homeopathic / Greek treatment etc. has also been covered.
#6. Signa TTK
The Signa TTK Health Insurance Company Limited, a plan to be provided by Pro Health Plus. The premium cost of the Pro-Health Plus plan is Rs. 16,063. For the pre-existing illness, the plan starts covering after 4 years. The room rent is fully covered by this policy. In this scheme, free facility of consultation fee and health check is provided.
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Remember, you get tax benefits for the premium paid for health insurance, under the Income Tax Act. Apart from this, there are many other health insurance companies about whom we can not provide information. Keeping all the options in mind, choose the best plan for yourself.