The most practical and sensible way to protect your family and yourself from unpredictable health emergencies without stress and financial worries is to purchase the best health insurance plan. It is a well-known fact that healthcare cost at rising every day and this is also a reality that is going to last in the future as well. Another fact is that, due to hectic schedules and sedentary lifestyles, in most cases, people, across age groups, are more vulnerable to illnesses. The Covid-19 pandemic is a lesson that medical emergencies can occur anytime and it can affect almost anyone. So, the best thing we can do is take safety precautions. One of the most important health preventive measures is to buy the best health insurance in India. It is a necessity that you safeguard your loved ones and yourself by buying the best health insurance.
Are you in a dilemma about which is the best health insurance in India? The answer to this is simple. The best health insurance is the one that fulfills all your health needs, has a quick and easy claim settlement process, is provided by a reliable insurance company, and can be purchased at cost-effective premiums. Also, the best health insurance is the one that provides services and features that eases your financial worries during medical emergencies.
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 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.
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.
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.
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.
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.
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 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.
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.
Let your belief in alternate therapies like Ayurveda, Unani, Siddha, and Homeopathy stay intact as we cover hospitalization expenses for AYUSH treatment as well.
Get a free health check-up within 60 days of renewing your policy with us.
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.
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.
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.
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 can be disastrous and unfortunate. However, our health insurance plan does not cover any claim that is caused due to wars.
Our health insurance plan does not cover accidental injury while you are participating in defence (Army/Navy/Air Force) operations.
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 is not eligible for coverage under your health insurance plan.
There are different set of requirements for different people and that is why the ideal best health insurance plan may differ for different people. Below are few pointers which may help you:
For people who are single, the best individual health insurance plan can be perfect, as it covers your medical expenses. It is even more advantageous when you buy a health insurance when you are young because, comparatively, you are less likely to fall ill or require medical aid. Also, the premium will be relatively low.
Married people are more likely to have an additional financial responsibility for their spouse and children. Family floater plans are one of the best options in such cases. These plans cover you, your spouse and your children under the same policy. This also helps you to pay one single premium instead of paying a premium for individual policies.
There may be situations when you are not looking for a new health insurance plan but a booster plan to increase the coverage of your existing plan. While, you can opt to buy a new health insurance policy but you can also opt for a super top-up on your existing plan. A super top-up is an easy way to restore your health insurance policy and enjoy better coverage.
It is a cruel reality that no matter how healthy or fit you are, you will need medical treatment or a doctor’s advice at some point in your life. Here are a few points you need to remember about health insurance:
There are some points to keep in mind when selecting a good medical insurance policy:
It is the amount which you can claim to cover your medical expenses. The higher the sum insured it will cost you higher premium and vice versa. However, it should not influence your decision of purchasing the best health insurance. You need to choose a sum insured which will be enough to take care of a wide-range of medical costs. So, evaluate your medical needs, health history, existing illnesses, etc. and then decide on a suitable amount.
If your policy coverage is in sync with your requirements, then you have found the best health insurance plan. For example, your senior citizen parents may require higher coverage due to multiple age-related health issues. Similarly, if you want to protect your entire family, opting for a family health insurance policy can be more valuable for you. When choosing a health insurance, it is important that you analyze your individual needs.
Almost all health insurance plans have a waiting period. It is the minimum period of time after buying a policy where you cannot raise a claim or use the insurance money for treatment of a health issue. Hence, do remember to check the waiting period before buying a health insurance plan.
Claim settlement can prove to be stressful amidst a medical emergency. Hence, you need to choose the best health insurance in India which provides a quick and hassle-free claim settlement procedure with less documentation. Also, keep an eye for an insurer that offers a low turnaround time, accessible customer service, and an overall smooth customer experience.
This feature helps you to avail hospital services without paying for the expenses upfront. Under this feature, the hospital directly settles the amount with the insurer. All you need to do is get admitted to a network hospital and share your policy number with the authorities.
The premium plays an important role to decide a health insurance plan. Before you choose a health insurance, research and compare different plans, their features, and costs. Do not just look for a low premium plan, go for a cost-effective premium that offers sufficient coverage.
Health insurance may not cover all types of medical procedures. Be sure to check the list of exclusions to avoid confusions later. Consult your insurer and read the policy document thoroughly.
Add-on riders or coverage improves your policy coverage and makes it more wide-ranging. Check the various riders and their premiums while buying a health plan. Research and check if they are useful to you and if they fit your budget.
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Optima Secure
22 Mar 2022
Banglore
I would like to give a note of appreciation to your team member Jayalaxmi for her rigorous follow up, patience and taking time out to explain the policy in detail and for helping me in choosing the right plan suitable for me.Her assistance through out the process of policy availing is outstanding.
Optima Secure
24 Jan 2022
Delhi
I contacted your health insurance team in regards to purchasing a health insurance plan. I was directed to your representive Mr Pradeep Yadav. He was very helpful in explaining the content of Insurance and its benefit, I wanted to send in my appreciation, and my thanks to him for great services.
Optima Restore
7 Jan 2022
Mumbai
I would like to give a note of appreciation to your Health advisor Dhiraj Chaudhri, for his rigorous follow up and assistance through out the process of policy availing is outstanding.
MY:HEALTH SURAKSHA
25 Sep 2021
Keep innovating and redefining the insurance sector Really appreciate the team work and knowledge to help us in getting our claims processed
MY:HEALTH SURAKSHA
4 Sep 2021
Best Health insurance company in India. I highly recommend this to others!
The portability feature helps you change your health insurance plan so that you don't have to again go through a fresh waiting period term instead easily move from one insurer to another if your current plan is not adequate in covering rising medical costs.
Premiums are lower. Probability of having a pre-existing illness is low hence waiting periods may also not impact you. Also, accidental injuries can happen at any age so staying covered even when you are young is important.
Yes. Based on necessity and coverage requirements, as every plan works differently and offer varied benefits, you can always have more than one health insurance plan.
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