Are you financially prepared to face a sudden medical emergency? Will it leave you totally drained of your savings? Healthcare and medical costs in India are continuously rising by approx 10-15% a year, making treatment immensely expensive. It is a significant financial burden that can leave you completely overwhelmed and in financial debt. Therefore, to face such a situation and prevent any kind of financial stress, it is highly essential to invest in the right health insurance plans in India. Opting for a suitable plan can ensure that your family receives the necessary treatment without you struggling to cover the costs. A robust mediclaim scheme offering comprehensive coverage is not a luxury but a necessity at the moment.
At the moment, the market is full of numerous plans that can confuse you about which scheme to choose. Every family has its share of unique requirements, and finding that one policy that aligns with your needs and budget can be tricky. Some offer features like no increase in premium for claim free years while some offer guaranteed bonuses while some offer unlimited room rent. Hence, it is essential to navigate the different mediclaim plans and understand the benefits and coverage. Whether you should be choosing based on the maximum coverage amount or the plan that offers coverage to the already existing diseases can be a tough choice to make. Hence, the expert guidance of a Health Insurance Advisor is essential who can provide their perspective on which plan might be the most suitable for you.
This blog explores the major health insurance policies to help you gain awareness of the best ones available in the market.
7 Best Mediclaim Plans in India To Secure Your Family’s Future
The well-being of family members is paramount and cannot be traded with anything. So, strategically investing in a relevant health insurance plan can offer you the necessary support you might need to ensure security for your family’s healthcare requirements. Here are some of the essential Health Insurance Plans in India that offer family coverage. Check it out now and make an informed decision.
Niva Bupa Reassure 2.0
If you are looking for one of the most outstanding health insurance offering you and your family extensive coverage, you must look out for Niva Bupa Reassure 2.0. It is crafted to meet modern-day health requirements and can be beneficial for those looking for comprehensive medical protection against various diseases such as diabetes and hypertension. The most attractive feature of this mediclaim plan is the “Lock of the Clock” that freezes the premium amount according to your age, thereby letting you pay a similar base amount until you make any claim. As a policyholder, you are entitled to numerous benefits and treatment coverages, including robotic surgeries. There are 5 types of this particular plan - Platinum Plus, Titanium Plus, Bronze Plus, Gold, and Bronze that enable you to choose the one that aligns with your needs.
Aditya Birla Activ Health Platinum Enhanced
Are you looking for an affordable plan that ensures extensive coverage? You can look for the Aditya Birla Activ Health Platinum Enhanced plan, which is suggested mostly by many Medical Insurance advisors. From hospital charges and maternity costs to outpatient department expenses and chronic disease management, you get innumerable coverage that lets you stay stress-free. In addition, this particular plan also provides dental consultation coverages, with the amount getting doubled if it is not claimed for 2 years. One of the remarkable features of this health insurance is that it also extends the coverage to mental health-related hospitalization. In fact, it promotes healthcare motivation by enabling 100% premium back by maintaining excellent health. It also has specific benefits for organ donors, covering their medical expenses and providing comprehensive protection for unforeseen medical situations. This plan is an exceptional choice for anyone looking for complete protection against any physical or mental illness.
Star Health Assure
Star Health is a renowned health insurance that several people prefer. It has now introduced a versatile family plan known as Star Health Assure that extends medical coverage to up to 9 family members of your family comprising of 6 adults and 3 children. The plan provides a restoration of the sum insured if used during the policy year, ensuring continued protection for your family. Policyholders are rewarded with attractive discounts for leading a healthy lifestyle. It meets a wide range of financial needs by providing large amounts of insured alternatives of up to INR 2 crore. The plan also covers costs for rehabilitation, pain management therapies, and annual health check-ups for all insured members. People with a joint family and more members can go for this plan without doubt and save a considerable amount while receiving great benefits.
Care Supreme
The Care Supreme plan is one of the Best Mediclaim Plans for Families and offers extensive coverage, making it a suitable choice for families seeking comprehensive health insurance. It covers daycare procedures, advanced medical treatments, and AYUSH treatments, ensuring holistic health protection. The plan provides a cumulative bonus of up to 500%, significantly boosting the sum insured. Policyholders benefit from unlimited automatic recharge of the insured amount, ensuring continuous coverage during multiple claims. Additional perks of this health insurance include unlimited e-consultations, special discounts on various services, and a 30% bonus for maintaining a healthy lifestyle. The plan also offers claim protection for non-payable items, reducing out-of-pocket costs during treatments. You can consult an expert and consider this plan for your family.
ManipalCigna ProHealth Prime Advantage
A Medical Insurance Advisor can suggest ManipalCigna ProHealth Prime Advantage if you are seeking a family health insurance policy with 360-degree coverage. This single policy covers 2 adults and 3 children, making it one of the Best Mediclaim Plans in the country for families. With unlimited renewal of the insured amount of the plan up to 1000% of the base sum insured, this plan can be the best option for sudden and multiple medical emergencies. With medical checkups annually from the very first year of the policy to enabling medical treatment worldwide, this plan ensures complete financial security for your medical expenses. Whether in India or abroad, this policy has your back. You can also choose from the various hospital rooms for your treatment and year-long teleconsultation service for you at any given time.
Conclusion
Choosing the right health insurance policy for your family is indeed essential and can save you from going penniless. From financial stability to managing medical emergencies, your financial security is backed by efficient and reliable mediclaim policies. The 5 top health insurance plans in India for complete family coverage have been discussed above. If you are looking for cost-effective policies that can also ensure 360-degree coverage for every family member, you must consider the ones from the plans as mentioned earlier.
However, it is essential to discuss the most suitable plan for health insurance with a professional and experienced Health Insurance Advisor. Moreover you need an intermediary to take up your cause in cases of claim rejection. You can contact Call Andii if you are seeking guidance for any medical insurance policies.