Health insurance plans under 10 lakhs Sum Insured

Income Tax: Everything about the tax structure

A 10 Lakh Health Insurance Policy provides coverage of ₹10 Lakh. So, this means the health insurance policy covers up to ₹10 Lakh in hospital bills. The premium cost of a ₹10 Lakh health insurance policy depends on the insurance company and its terms and conditions. However, you can also use the online premium calculators present on the official websites of the health insurance providers to calculate the amount of your health insurance premium

How to choose best Health insurance plan under 10 lakhs

A quick search for the best health insurance plan online will present you with a variety of options. But you need to careful before choosing the best health insurance. This can be done by keeping the following points in mind.

Affordable

Opting for a higher value sum insured health insurance policy means you have to pay higher premium. However, in case you want to lower the cost of premium, you can opt for co-payment clause. In a health insurance policy, the co-payment option means you share the healthcare expenses with your health insurance company. Thus, the premium you pay is lesser.

Wide-spread cashless network

When buying a health insurance plan, check the list of network hospitals the insurance company has tie-up with. It is also vital to check if the list of network hospitals includes the ones that are nearby your residence. At HDFC ERGO, we have an exhaustive 12,000+ Cashless healthcare network coverage.

Zero sub-limits

Healthcare expenses majorly depend on the room type and the ailment. It is wise to buy a health insurance plan that does not include sub-limits on hospital room rent so that you have the freedom to choose a room as per your comfort. Most of our policies also don’t imply disease sublimit; this is also an essential factor to keep in mind.

The required waiting periods

Your health insurance plan does not come into action while you are waiting period is not completed. Always check health insurance policies with lower waiting periods for pre-existing ailments and maternity cover benefits before buying a health insurance plan online.

Reputation

Go for a health insurance company that has a good standing and reliability in the market. Other factors you need to keep in mind while choosing an insurance company is their customer base and claim settlement ability to know if the brand will be able to pay off the claims that you may make in future.

Best health insurance plans for ₹ 10 lakhs

The best health insurance plans with a sum assured of Rs. 10 lakh are listed below.

Product Name	Minimum Entry Age	Maximum Entry Age	Policy Tern	Sum Insured (in Rs.)
Optima Secure	Buyer: 18 years Dependent children: 91 days	65 years	1-3 years	5 Lakh - 2 Crore
Optima Restore	Buyer: 18 years Dependent children:	65 years	1 - 2 years	5 Lakh - 50 Lakh
my:health Medisure Super Top-up	Buyer: 18 years Dependent child: 91 days	Dependent child: 91 days Dependent child: 23 years	2 -3 years	6 Lakh – 16 lakh
my:health Women Suraksha	18 years	65 years	1 -3 years	3 Lakh – 24 Lakh

Features and benefits of health insurance under 10 lakh

Extensive cover for health expenses

The best health insurance plan will include coverage for expenses like doctor fees, specialist fees, costs of medical and diagnostic tests, ambulance charges, in-patient expenses, hospital room rents, cost of surgery and even post-hospitalization expenses. Hence, when you choose the right mediclaim policy, it would help you during emergencies, without any financial stress.

Cashless Treatment

With cashless treatment you just need to get your treatment done at a network hospital and the bills are settled directly by the insurance company. These days every good insurance plan provides cashless treatment benefits along with a strong network of hospitals.

Pre and Post-hospitalisation charges

Many health insurance plans offer coverage for pre and post-hospitalization charges up to 60 days, before and after the treatment, depending on the policy terms and conditions.

Cumulative Bonus

For every claim-free year, the health insurance company offers a discount on the premium costs for the subsequent year.

Tax Benefits

Under Section 80D of the Income Tax Act, Health insurance premiums paid are tax-deductible. Apart from this, premiums paid parents health insurance can also be claimed for tax deductions.

Alternative treatment expenses

Alternative treatment procedures such as Ayurveda, Siddha, Homeopathy, Yoga, Acupuncture and others, have gained more relevance in the past few years. Many health insurance plans offer coverage for the costs of alternative treatment expenses up to a certain amount, as per the policy terms and conditions.

At-home treatment

A lot of health insurance plans have extended the coverage to include treatment costs taken at home. However, there are certain terms and conditions that you need to check with your insurance company.

How To Select the Right health Insurance Plan Under 10 lakh?

Appropriate coverage

A medical insurance plan that safeguards you against a broad range of medical problems, and provides benefits like pre and post hospitalization, daycare expenses, etc, is ideal to purchase. In case you are purchasing a family health insurance plan, confirm if the policy meets the needs of each member of your family. List down your requirements, evaluate plans on benefits and costs, and then choose a plan that serves your needs.

Reasonably priced

While you cannot equate money with care for your health, because people want to cure themselves and their loved ones at any cost, but it is important to buy a health plan that is affordable for you. Budget plays a vital role when buying health insurance. However, you should check the benefits stated in the mediclaim policy before the price of it. The best tip is to buy a practically priced health cover at the beginning to ensure you are covered properly and the premiums are also affordable. Then going forward, you can assess your plan and raise the cover as per the increase in your income, family size, and requirements.

Plan type

If you are single and don’t have to bear family responsibilities, it is practical to opt for individual health insurance plans. But, if you are thinking of including your family members in your medical insurance policy, it is better to buy a family health plan to enjoy maximum benefits at a more affordable price.

Lifetime renewability

At the time of buying a health insurance plan, make sure you check if you plan has lifetime renewability feature or not. It is practical and much more valuable to purchase a mediclaim policy which offers you the option of lifetime renewability since you are most likely get be affected by health ailments as you age. Hence, choose health plans which offer lifetime renewability.

Network hospital coverage

When you buy a health insurance plan, it is extremely important to check their list of network hospitals. The best health insurance in India provides you with a large network hospital options. Also, check the number of network hospitals which are nearby your residence. With HDFC ERGO health insurance plans, you can choose from nearly 12,000+ cashless networks where you can avail quick, convenient and cashless claims settlement!

Claim settlement ratio

The claim settlement ratio is the number of claims settled by the insurance provider over the total received claims. When choosing a health insurance plan, go for the insurance company that has a high claim settlement ratio.
The above points will help you gain maximum benefits when you look for a health insurance. Buying health insurance is basically an important investment that you are making to protect yourself from the financial load of high healthcare costs. So, it is important that you invest in the right plan and with the right insurance company.

What’s Covered Under ₹10 Lakhs Health Insurance?

What’s Covered?
What’s Not Covered?

Hospitalization Expenses

Just like every other health insurance plan, we also cover your hospitalization expenses such as room rent, ICU, investigations, surgery, doctor consultations etc due to illnesses and injuries seamlessly.

Mental Healthcare

We believe mental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover hospitalization expenses incurred for treating mental illnesses.

Pre & Post Hospitalisation

It means all your pre-hospitalization expenses upto 60 days of admission and post-discharge expenses till 180 days get covered, like the costs for diagnostics, physiotherapy, consultations, etc.

Day Care Treatments

Medical advancements help in wrapping up important surgeries and treatments in less than 24 hours, and guess what? We cover you for that as well.

Home Healthcare

In case of hospital bed non-availability, if the Doctor approves treatment at home we cover you for that as well. So that, you get medical treatment right at the comfort of your home.

Sum Insured Rebound

This benefit acts like a magical backup, which recharges your exhausted health cover to treat the next hospitalization. Basically, we ensure uninterrupted medical coverage at the time of need.

Organ Donor Expenses

Organ donation is a noble cause and we cover the medical and surgical expenses of the organ donor while harvesting a major organ from the donor’s body.

Recovery Benefit

If you stay in a hospital for more than 10 days at a stretch, then we pay for other financial losses that might have happened due to your absence at home. It helps to take care of other expenses during your hospitalization.

AYUSH Benefits

Let your belief in alternate therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.

Free Renewal Health Check-up

Get a free health check-up within 60 days of renewing your policy with us.

Lifelong Renewability

Once you get yourself secured with, our health insurance plan there is no looking back. Our health plan continues to secure your medical expenses for your entire lifetime on break free renewals.

Multiplier Benefit

If there is no claim in the first year, in the next policy year, the sum insured will grow by 50%. It means, instead of ₹ 5 Lakh, your sum insured would now stand at ₹ 7.5 Lakh for the second year.

The above mentioned coverage may not be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our health insurance plans.

Adventure Sport Injuries

Adventures can give you an adrenaline rush, but when coupled with accidents, it can be hazardous. Our health insurance plan does not cover accidents encountered while participating in adventure sports.

Self-inflicted Injuries

If you ever end up causing injury to your precious self, then unfortunately our health insurance plan will not cover for self imposed injuries.

War

War can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.

Participation in Defence Operations

Our health insurance plan does not cover accidental injury while you are participating in defence (Army/Navy/Air Force) operations.

Venereal or Sexually Transmitted Diseases

We do understand the criticality of your disease. However, our health insurance plan does not cover venereal or sexually transmitted diseases.

Treatment of Obesity or Cosmetic Surgery

Treatment of obesity or cosmetic surgery is not eligible for coverage under your health insurance plan.

Eligibility for health insurance plan under 10 lakh from HDFC ERGO

There are a few common questions that come to mind when someone is planning to buy a health insurance plan. Eligibility criteria and the age limit to buy a health insurance policy are two of the most common questions that comes a potential buyer’s mind. We’ll answer the latter doubt first. Usually, most insurance companies have an age limit of 65 years. Beyond that age, it is a bit difficult to get a health insurance plan because the more you age, you are more prone to health risks and that increases the risks for health insurance companies as well. For the eligibility criteria for buying health insurance plans, below are two of the most factors that decide it:

Health history

You need to completely honest while buying a health insurance policy. Pre-existing illnesses, if any, need to be stated clearly. These do not mean common diseases like fever, flu, or headaches. But, if in past you have ever been diagnosed with any disease, birth defects, undergone surgery, or cancer of any severity it is important to inform your medical insurance company. These need to be declared because many ailments are listed under permanent exclusion, few are covered with a waiting period and few others are covered by charging additional premium with a waiting period.

Age

Any person who is 18 years or above can easily buy a health insurance plan. Health insrance plans also cover newborn babies but the parent needs to have a health insurance policy with the insurance company. Senior citizens can get themselves insured upto the age of 65 years.

Who is this plan suited for?

Observing the current economic scenario, and the rate at which medical inflation is increasing steeply, it is safe to say that health insurance has become a necessity. This shields you and your loved ones during health emergencies, while also helping you plan your finances better. Now, the amount of health insurance you opt for depends on your health requirements and how much you can afford. For example, a young professional may opt for a health insurance plan for 10 lakhs. But for a middle-aged person having two kids and dependent parents, a 10 lakh health insurance may not be sufficient. However, due to a sudden rise in critical illnesses such as cancer, tumours, cardiac arrests and so on, having a lumpsum amount like 10 lakh health insurance or above is the need of the hour.

How this plan works

Firstly, you buy a health insurance of your choice. Usually, your medical insurance is offered on yearly basis and it has to be renewed each year after expiry. Now, during a policy year, in the event of hospitalization of an insured person, it’s obvious that you will make a claim for your healthcare expenses. Now, the insurance company, in case of a claim, first checks whether the treatment that is required by the insured is covered under the insurance policy.
The next step is that the insurer finds out the the hospital where the insured is getting his treatment is in its network or not. If you choose a network hospital to get treated, then you’re eligible for a cashless hospitalization and the TPA (Third Party Administrators) are the ones responsible for settling your hospitalization bills.
TPA will verify the details of your medical insurance policy and if it has a deductible clause or if the total amount of your bills exceeds the amount of your sum insured, you just have to pay the balance. And if no such clause applies, you need not worry about anything.
Now, in case, you wish to get treated at a non-network hospital, you have to pay to hospital first, but do remember to collect all your medical bills that also includes pre & post hospitalization bills. These bills need to be submitted to your insurer. Again, the TPA will check the clauses of your policy and calculate the total amount to be reimbursed after deducting the co-pay amount (if any) or the amount that exceeds your insurance coverage. The balance or the entire amount of your bills - whichever is applicable, will be directly reimbursed by the insurance company.

Other Factors Which Can Affect the Premium

Pre-existing illness- -
Medical history is a key factor that affects your insurance premium. While buying a health insurance policy it is absolutely compulsoryto submit your health records. If you have had certain health issues in the past then the insurance company can either choose to allow it in or decide not to allow it in their policies. If the insurance company does not bear the cover of a certain disease then the policy holder usually bears the cost. This eventually increases or affects the amount for premium.
Family health history -
Genetics do play a role in shaping up your personality and over all life structure. Even your physical and emotional health is greatly affected by your family history. In case your family history records illnesses like heart disease, diabetes or cancer then insurance companies assume that the probability of you contracting these diseases are also pretty high.  In that case the size or amount of your premium is going to be higher than the amount that you needed to pay in case your family would not have any such problem.
Age -
One of the most vital factors that can affect your health insurance premium is your age. It is a matter of common sense that a younger person runs lower health risk in comparison to a person who is older. Eg: A 22-year-old woman falling sick because of a heart condition is certainly less likely than a man of 65 years. However there may be exceptions. However, the general rule stays that people who are younger have lower chances of falling sick or visit doctors. Hence health insurance premium payable for a younger person is lesser than an older man.
Profession
Your choice of profession can also affect your health insurance premium. People working in profession which expose them to hazardous environment like constructions, radiation, substances are at high risk of falling prey to various diseases like cardiovascular and various other life threatening diseases.

Documents required for buying a 10 Lakhs health Insurance Policy Online:

Not just for a 10 lakh health insurance, but in general, when buying a mediclaim policy, the following documents need to be kept handy.

Age proof - You need to provide the age proof of all the members to be insured under the health insurance policy that you have chosen. A copy of any of the following documents is valid:

Voter ID Card
Pan Card
Aadhaar Card
Driving License
Passport
Birth certificate
10th or 12th mark sheet

Address Proof – There are various communications that the health insurance company will need to send to your postal address and they also need it for their records. Following documents for address proof can be submitted:

Ration card
Driving license
Passport
Rent agreement if applicable
PAN Card
Aadhaar Card
Utility bills like electricity bill or telephone bill
Voter’s ID
Passport-size photographs – You will also need Passport-size photographs of applicants and members of the insurance plan for insurer records.
Medical reports – Some insurers demand a medical report of the applicant and members as well depending upon the plan chosen along with the coverage.
Proposal form – To buy a health insurance plan every insurer will get a proposal form duly filled in and signed by the applicant. It is used for purpose of their future records.

How to Make a Claim for Your HDFC ERGO Health Insurance

The sole purpose of buying a health insurance plan is to get financial support at the time of medical emergency. Hence, it is important to read the below steps to know how Health Insurance claims process works differently for cashless claims and reimbursement claim requests.

Cashless Claim
Reimbursement Claim

Health Insurance Cashless Claims get approved within 20*~ minutes

Fill pre-auth form for cashless approval

1

Intimation

Fill up the pre-auth form at the network hospital for cashless approval

2

Approval/Rejection

Once hospital intimates us, we send you the status update

3

Hospitalisation

Hospitalisation can be done on the basis of pre-auth approval

medical claims settlement with the hospital

4

Claim settlement

At the time of discharge, we settle the claim directly with hospital

We settle reimbursement claimswithin 6~* hours

1

Hospitalisation at non network hospital

You need to pay the bills initially and preserve the original invoices

2

Register a claim

Post hospital discharge send us all your invoices and treatment documents

3

Verification

We verify your claim related invoices and treatment documents

4

Claim Settlement

We send the approved claim amount to your bank account.

Compare our Best Health Insurance Plans

No Cost Installment Available*^

Optima Secure
Optima Restore
my:health Suraksha
my:health Koti Suraksha
my:health Women Suraksha
my:health Medisure Super Top-up
Critical Illness Insurance
iCan Cancer Insurance

Just launched

Optima Secure

4X Coverage*

Wider Pre & Post Hospitalisation

Free preventive health-check ups

Key Features

Secure Benefit: Get 2X coverage from Day 1.
Restore Benefit: 100% restores your base coverage
No Cost Installment*^ Option: Credit and Debit card holders can now opt for the No cost instalment*^ option
Aggregate Deductible: You can enjoy up to 50% discount every year by choosing to pay a little bit more. You also have the super power to waive your opted deductible at renewal post completion of 5 years under this Policy@

EXPLORE MORE Watch a Video to understand this better

Optima Restore

12000+ˇ Cashless Network

Cashless Claims Settled in 20 Mins*~

Free preventive health-check ups

Key Features

100% Restored Benefit: Get 100% of your cover restored instantly after your first claim.
2X Multiplier Benefit: Get up to 100% additional policy cover as no claim bonus.
Complete coverage 60 days prior & 180 days post your hospitalization. This ensures better planning of your hospitalization needs.

EXPLORE MORE

my:health Suraksha

No room rent restriction

Sum insured rebound

Cashless claims approved within 20 minutes*~

Key Features

No Medical Test Upto 45 Years: It’s better to be safe than sorry! Secure your health when you are young to avoid medical tests.
Free preventive health-checkups: We offer free health check-ups so that you are healthier and happier always
Cumulative Bonus: Don’t think that your health insurance plan is of no use if you do not make a claim. It rewards you with additional 10% to 25% sum Insured upto a max of 200% depending on the plan opted at the time of renewal.

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my:health Koti Suraksha

12000+ˇ Cashless network

Cashless Claims Settled in 20 Mins*

Wider Pre&Post Hospitalisation

Key Features

50 Lacs & 1 crore cover options: Choose your health cover from two options of sum insured as per your needs.
No room rent capping^*: Get the freedom to choose any room upto a standard private AC Room.
Wider Pre & Post hospitalisation: We offer wider coverage of 60 days for pre-hospitalisation and 180 days for post hospitalisation expenses towards investigations, therapies and consultation charges.
Cumulative Bonus: Get an additional 10% of the sum insured on every claim-free renewal, which can go up to a maximum of 100%.

EXPLORE MORE

my:health Women Suraksha

Covers 41 critical illnesses

Loss of Job optional cover

Lump-sum benefit plan

Key Features

Covers women specific Cancer: Get coverage against 41 critical ailments.
Covers surgical procedures: Surgical expenses are rising steadily. Get coverage against surgical procedures.
Self empowering optional covers: Pay additionally for job of loss, pregnancy & new born complication cover.

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my:health Medisure Super Top-up

Higher cover at low premium

Compliments existing health insurance

No premium hike post 61 years

Key Features

Works on Aggregate Deductible: This health plan comes in action once your all round total claim amount reaches the aggregate deductible in a year, it’s not necessary for a single claim to meet the deductible unlike other top-up plans.
No health checkups upto Age 55 : It’s better to be safe than sorry! Secure your health when you are young to avoid medical tests.
Pay less, Get more: Opt for a long-term policy of 2 years and get a 5% discount.

EXPLORE MORE

Critical Illness Insurance

Covers upto 15 Critical illnesses

Lumpsum payouts

Affordable premiums

Key Features

No medical Check-ups: No medical check-ups up to the age of 45 years.
Lifetime Renewability: The policy can be renewed for a lifetime period.
Free Look Period: We provide a free look period of 15 days starting from the date of receipt of the policy document.

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iCan Cancer Insurance

Cancer cover for all stages

Lumpsum Payouts

Lifelong renewable

Key Features

My Care Benefit: From chemotherapy to stem cell transplantation, iCan offers complete cover for conventional and advanced treatments.
CritiCare Benefits: Get an additional 60% of the sum insured, as a lump sum payment if cancer is detected of specified severity.
Follow-Up Care: Cancer treatments often have side-effects. Follow up care benefit gives you reimbursement up to ₹3,000 twice a year.

EXPLORE MORE

Compare Quotes

Frequently Asked Questions on Income Tax

1. At what age can you buy 10 lakhs Health Plan?

If you're 18 or older, you can buy a 10 lakhs health plan for yourself. Newborn babies can also be covered, but their parent needs to have a mediclaim insurance policy with the same insurance provider. Senior citizens can get themselves insured up to the age of 65 years.
With a coverage of 10 lakhs, you can have peace of mind knowing that you're protected financially in case of any medical emergency. So, no matter what your age, it's never too late to invest in a health plan and ensure that you and your loved ones are covered.

2. Is it worthwhile to buy a health plan with one 10 lakh insured?

Buying a health plan with a sum insured of one crore can be very useful in certain situations. For example, if you have a pre-existing medical condition or are at a higher risk of developing a serious illness, having a higher sum insured can provide you with added peace of mind.
Additionally, if you have a large family with multiple dependents, a higher sum insured can ensure that everyone is covered in case of any medical emergency.
Furthermore, with the rising cost of medical treatments, a high sum insured can provide you with the financial protection you need to afford the best care. Overall, having a higher sum insured is always advisable as it offers more comprehensive coverage.

3. Is COVID-19 treatment covered under 10 lakhs Health Plan?

If you have a health plan with a sum insured of 10 lakhs, you can be assured that your hospitalization expenses arising from illnesses and injuries will be covered seamlessly.
Most importantly, the Optima Secure plan includes treatment costs for COVID-19 as well. This means that if you contract COVID-19 and require hospitalization, your treatment costs will be covered under the plan. This is especially important given the current pandemic, as the cost of COVID-19 treatment can be pretty high.
With the Optima Secure plan, you can have the assurance that your financial protection is in place in case of any medical emergency, including COVID-19 treatment. In short, having a health plan with a sum insured of 10 lakhs with coverage of COVID-19 treatment is a great way to ensure that you're protected financially in case of any unexpected medical expenses.

4. What is the grace period on 10 lakhs Health Plan?

The grace period is significant to consider when purchasing a health plan with a sum insured of 10 lakhs. It is the time frame given to policyholders to make a premium payment after the due date without losing coverage.
Typically, the grace period for such a health plan is around 15 days, during which the policyholder can pay the premium and renew the policy; however, filing claims for treatment during these 15 days is not allowed.
It's essential to note that this grace period may include both working and non-working days, so it is advisable to check with the insurer for the specific grace period and make sure to make the premium payment within the given time frame to avoid any lapse in coverage.
Also, remember that all insurers have their own grace periods, which can range from 7 to 15 days, so it is essential to check the specific grace period of your health plan before purchasing.

5. Does 10 lakhs Health Plan offer any value-added services?

A health plan with a sum insured of 10 lakhs, like HDFC ERGO's Optima Secure plan, can offer a wide range of value-added services in addition to the basic coverage for hospitalization expenses arising from illnesses and injuries. 
The plan seamlessly covers all hospitalization expenses, including COVID-19 treatment, pre and post-hospitalization medical expenses for 60 & 180 days, all day care treatments, preventive health check-ups at no cost, emergency air and road ambulance costs, daily hospital cash of ₹800 per day up to a maximum of ₹4800, E Opinion for 51 illnesses, home healthcare, organ donor expenses, alternative treatments, and lifelong renewability.
It is important to review the terms and conditions of your specific health plan to understand the value-added services included and check with the insurance provider for additional value-added services that can be added to your plan for an additional cost.

6. Who should buy the 10 lakhs insurance plan?

A health plan with a sum insured of 10 lakhs can be a good option for various individuals. Here are a few groups of people who may benefit from purchasing such a plan:

Individuals with pre-existing medical conditions or those at a higher risk of developing severe illnesses
Families with multiple dependents, as a higher sum insured, can ensure that everyone is covered in a medical emergency.
Individuals who are self-employed or do not have employer-provided health insurance
Individuals who frequently travel as the cost of medical treatment abroad can be very high.
People who are looking for comprehensive coverage at an affordable price
Individuals who want to ensure that they have enough coverage to afford the best possible medical treatment in case of an emergency

Note: Health insurance is a personal choice, and everyone's needs differ; consult an agent or advisor to find the best coverage for your needs.

7. If I buy 10 lakhs health insurance is there any limit on how much I can claim in one go?

When you purchase a health plan with a sum insured of 10 lakhs, the total amount you can claim in one go will depend on the specific terms and conditions of the plan.
In general, the sum insured in the policy is the maximum limit you can utilize for claiming any number of times, which means you have the flexibility to claim for any medical expenses that arise during the policy period as long as it does not exceed the sum insured.
However, most health insurance plans limit how much you can claim per incident or year. Depending on the nature of the illness or injury, some plans may also have limits on how much you can claim per day or per treatment.
It is essential to review the terms and conditions of your specific health plan to understand any limits on how much you can claim in one go.

Conclusion

In a nutshell, a 5 lakh health insurance policy may be sufficient for some and not be enough for some. You need to make a careful and calculated choice before deciding on the amount you are ready to invest on a health insurance policy. The amount will also depend on you and your loved ones’s medical requirements. However, the most important thing is having a good health insurance plan. A healthcare emergency can occur any time and a mediclaim policy helps you to deal with such situations. So, keep the above points in mind to make an informed decision.