10 Best Medical Insurance Policies in India

Mani Karthik

In my pursuit of getting better & smarter in life,
I share everything I learn, on this blog, so you can make use of it.

India is a country with a population of over 1. 3 billion people (source), and as such, the demand for medical insurance is high. With so many people to cover, it can be difficult to know which policy is best for you. Here are some tips to help you choose the best medical insurance policy in India.

Health is wealth!  India’s vast insurance sector offers an array of health insurance policies to cover the medical expenses of the insured.

A health or medical insurance plan covers the comprehensive medical costs of an individual. In case of unfortunate times with hefty medical expenses, health insurance is the savior! It provides risk coverage during medical emergencies.

Health insurance companies are responsible for paying the treatment charges on behalf of the patient. They ensure to pay full or a part of the hospitalization charges in exchange for a certain premium payment. Such companies tie up with the hospitals for reimbursement and claims processes.

If you are someone who has a medical insurance policy, then you are entitled to adequate medical help during an emergency like a cancer situation. Thus, one does not have to worry about financial expenses and medical costs.

There are many medical insurance policies offered by an array of companies in India.

Some of the best medical insurance policies in India are:

  1. Apollo Munich Easy Health Insurance Plan
  2. Star Health Family Health Optima Insurance Plan
  3. Max Bupa Health Companion Individual Insurance Plan
  4. HDFC Ergo Health Suraksha Insurance Plan
  5. Cigna TTK ProHealth Plus Insurance Plan
  6. Religare Care Insurance Plan
  7. Aditya Birla Activ Assure Diamond Insurance Plan
  8. Kotak Mahindra Health Care Insurance Plan
  9. Bajaj Allianz Health Guardian Insurance Plan
  10. Oriental Health Insurance Plan

Let’s review each plan in detail.

Apollo Munich Easy Health Insurance Plan

Apollo Munich Easy Health Insurance Plan is a comprehensive health insurance policy that offers a wide range of features and benefits. It covers all the medical expenses incurred by the policyholder, including hospitalization, day-care procedures, outpatient treatments, and emergency ambulance services. The policy also provides for some additional benefits like maternity cover, personal accident cover, and critical illness cover.

It comes with a wide range of sum insured options, so that the policyholder can choose a sum insured that best suits their needs. The policy also offers a lifelong renewability option, so that the policyholder can continue to enjoy the benefits of the policy even after they turn 65 years of age.

When comparing the Apollo Munich Easy Health Insurance Plan with other medical insurance plans, it is important to keep in mind that Apollo Munich is a standalone health insurance provider, whereas most other insurers are part of a larger group of insurance companies.

This means that Apollo Munich is able to offer a more comprehensive and bespoke health insurance policy than most other insurers. Another key difference is that Apollo Munich offers a lifelong renewability option on its health insurance policies, whereas most other insurers only offer this option for a limited period of time.

This means that policyholders can continue to benefit from the policy even after they turn 65 years of age.

Pros and Cons
The pros of Apollo Munich Easy Health Insurance Plan are that it offers comprehensive health insurance coverage, it has a wide network of hospitals, and it offers a cashless facility. The cons of this plan are that it has a waiting period of 2 years for some benefits, and it has a sub-limit on some benefits.

Star Health Family Health Optima Insurance Plan

Star Health Family Health Optima Insurance Plan is a health insurance policy that provides coverage for the entire family. It is one of the most comprehensive medical insurance plans available in the market and offers a wide range of benefits.

The plan covers all the basic needs of a family such as hospitalization, outpatient care, maternity benefits, etc. It also provides some additional benefits such as critical illness cover, personal accident cover, etc. The premium of the policy is very affordable and it also offers a wide range of discounts and cashless facilities.

Pros
  • Comprehensive coverage for the entire family
  • No sub-limits on any benefits
  • Coverage for OPD expenses
  • Free health check-ups
  • Cover for pre and post-hospitalization expenses
  • Cover for daycare procedures
  • Cover for organ donor expenses 8. Cover for Ayush treatments
  • Cover for home nursing
  • Worldwide emergency assistance cover
Cons
  • The premium amount is on the higher side
  • There is a waiting period of 3 years for certain benefits like maternity, etc.
  • Pre-existing diseases are not covered in the initial years

Max Bupa Health Companion Individual Insurance Plan

Max Bupa Health Companion Individual Insurance Plan is a comprehensive health insurance policy that offers a wide range of features and benefits. It covers expenses related to hospitalization, outpatient treatment, day care procedures, home care, and preventive health check-ups. The policy also provides for personal accident and critical illness cover.

The key features and benefits of the Max Bupa Health Companion Individual Insurance Plan are as follows:

  • Coverage for hospitalization expenses:
    The policy covers expenses related to hospitalization, including room charges, boarding, nursing, and other medical expenses.
  • Coverage for outpatient treatment:
    The policy covers expenses related to outpatient treatment, including consultation fees, diagnostic tests, and medication.
  • Coverage for daycare procedures:
    The policy covers expenses related to daycare procedures, including surgical procedures, chemotherapy, and dialysis.
  • Coverage for home care:
    The policy covers expenses related to home care, including physiotherapy and nursing care.
  • Coverage for preventive health check-ups:
    The policy covers expenses related to preventive health check-ups, including annual health check-ups and vaccinations.
  • Personal accident cover:
    The policy provides for personal accident cover, which covers expenses incurred in case of an accident, including medical expenses, loss of income, and funeral expenses.
  • Critical illness cover:
    The policy provides for critical illness cover, which covers expenses related to a diagnosis of a critical illness.
  • Extended hospitalization cover:
    The policy provides for extended hospitalization cover, which covers expenses incurred in case of an illness that requires the policyholder to stay in the hospital for more than four days.
Pros
  • Provides comprehensive health insurance coverage for individuals and families.
  • Offers a wide range of features and benefits.
  • Provides cashless facility at over 5,000 network hospitals across India.
  • Offers policyholders the option to avail of top-up plans.
  • Provides a hassle-free claims process.
Cons
  • The premium amount is relatively high when compared to other health insurance plans.
  • There is a waiting period of 2 years for certain ailments/diseases.
  • Pre-existing diseases are not covered under the plan.
  • The policy does not cover expenses related to cosmetic or plastic surgery.

HDFC Ergo Health Suraksha Insurance Plan

HDFC Ergo Health Suraksha Insurance Plan is a comprehensive health insurance policy that offers financial protection against medical expenses incurred in case of hospitalization due to an illness or an accident. The policy covers expenses related to room, boarding, nursing, ICU charges, surgeon’s fees, cost of medicines, and diagnostics. It also offers cover for pre and post-hospitalization expenses.

The policy can be customized as per the individual’s requirement and can be bought for a sum assured of Rs. 3 lakhs, 5 lakhs, or 10 lakhs. The policy term can be chosen for 1, 2, or 3 years.

The policy offers several features and benefits which makes it a good choice for people looking for health insurance. Some of these features and benefits are:

  • Coverage for pre and post-hospitalization expenses:
    The policy covers expenses incurred 30 days prior to hospitalization and 60 days post-hospitalization. This benefit helps policyholders to save on out-of-pocket expenses.
  • No sub-limit on room rent and ICU charges:
    There is no limit on the room rent and ICU charges that can be claimed under the policy. This benefit gives policyholders the financial flexibility to choose the best possible treatment without worrying about the costs.
  • Coverage for daycare procedures:
    The policy covers expenses related to daycare procedures, including surgical procedures, chemotherapy, and dialysis. This benefit helps policyholders to avoid high out-of-pocket expenses associated with these treatments.
  • Coverage for home care:
    The policy covers expenses related to home care, including physiotherapy and nursing care.
Pros
  • The policy offers a wide range of features and benefits.
  • It covers pre and post-hospitalization expenses.
  • It offers a cashless facility at over 4,000 network hospitals across India.
  • The policy provides cover for daycare procedures.
  • It offers a lifetime renewal option.
Cons
  • The policy has a waiting period of 3 years for certain diseases/illnesses.
  • It does not cover expenses related to cosmetic or plastic surgery.
  • It has a sub-limit on certain expenses such as room rent, ICU charges, etc.
  • It does not cover expenses incurred on health check-ups.

Cigna TTK ProHealth Plus Insurance Plan

Cigna TTK ProHealth Plus Insurance Plan is a health insurance policy that offers financial protection in case of hospitalization or medical emergencies. The policy covers expenses related to pre and post-hospitalization, daycare procedures, ambulance charges, and so on. It also offers a personal accident cover of Rs. 10 lakh.

The policy has a waiting period of 3 years for most of the covers. However, there is no waiting period for accidental death and dismemberment benefit. The policy also offers a critical illness cover of Rs. 5 lakh.

The policy can be bought online and the premium is payable yearly. The policy term is for 1 year and it can be renewed for life.

The main features and benefits of the Cigna TTK ProHealth Plus Insurance Plan are as follows:

  • The policy offers comprehensive health cover and protection against financial loss in case of hospitalization or medical emergencies.
  • It covers expenses related to pre and post-hospitalization, daycare procedures, ambulance charges, and so on.
  • The policy has a waiting period of 3 years for most of the covers. However, there is no waiting period for accidental death and dismemberment benefit.
  • The policy offers a critical illness cover of Rs. 5 lakh.
  • The policy can be bought online and the premium is payable yearly.
Pros
  • Coverage for a wide range of health care needs, including preventive care, hospitalization, and prescription drugs
  • Access to a large network of doctors and hospitals
  • Comprehensive coverage for mental health and substance abuse
  • Generous benefits for pregnant women and new mothers
  • Discounts on fitness and wellness programs
Cons
  • Higher premiums than some other health insurance plans
  • Some exclusions and limitations on coverage
  • Requires use of Cigna’s pharmacy network for prescription drugs

Religare Care Insurance Plan

Religare Care is a health insurance policy offered by Religare Health Insurance. It provides comprehensive coverage for inpatient and outpatient treatments, as well as preventive health check-ups. The policy has a wide range of sum insured options and can be customized to suit the individual needs of the policyholder. It also offers the flexibility to choose from a variety of add-on covers, which can be added to the base policy at an additional cost.

Religare Care is a comprehensive health insurance policy that offers a wide range of benefits. Some of the key features of the policy include:

  • Inpatient and outpatient cover:
    The policy provides cover for both inpatient and outpatient treatments. It covers expenses such as hospitalization, surgery, doctor’s fees, etc.
  • Preventive health check-ups:
    The policy provides cover for preventive health check-ups, which help in the early detection and treatment of diseases.
  • Wide range of sum insured options:
    The policy offers a wide range of sum insured options, which can be customized to suit the individual needs of the policyholder.
  • Flexibility to choose from a variety of add-on covers:
    The policy offers the flexibility to choose from a variety of add-on covers, which can be added to the base policy at an additional cost.
  • Waiting period:
    The policy has a waiting period of 3 years for most of the covers. However, there is no waiting period for accidental death and dismemberment benefit. The policy also offers a critical illness cover of Rs. 5 lakh.
  • Online:
    The policy can be bought online and the premium is payable yearly.
Pros
  • It offers a sum assured of Rs. 5 lakhs which can be used for a variety of health-related expenses.
  • It covers pre and post-hospitalization expenses, and day-care procedures, and also provides for alternative treatments like Ayurveda and Homeopathy.
  • It has a wide network of hospitals across India which makes it easy to find a facility for treatment.
  • The plan also offers a personal accident cover of Rs. 2 lakhs.
Cons
  • It has a waiting period of 2 years for certain diseases like cancer and cataract.
  • The premium amount is on the higher side when compared to other health insurance plans.
  • There is no cover for pre-existing medical conditions.

Aditya Birla Activ Assure Diamond Insurance Plan

The Aditya Birla Activ Assure Diamond Insurance Plan is a comprehensive health insurance plan that offers a wide range of features and benefits. It covers both inpatient and outpatient treatment and provides a wide range of coverages including hospitalization, surgery, maternity, and more. The plan also offers a number of optional coverages, such as critical illness, personal accident, and home nursing.

The Aditya Birla Activ Assure Diamond Insurance Plan is one of the most comprehensive health insurance plans available, and it compares favorably to other medical insurance plans. It offers a wide range of coverages and benefits and is very affordable.

Pros
  • Aditya Birla Activ Assure Diamond Insurance Plan offers comprehensive health insurance cover for the policyholder and their family.
  • It covers both inpatient and outpatient medical expenses.
  • The plan also offers additional benefits such as critical illness cover, personal accident cover, and hospital cash benefit.
  • It has a wide network of hospitals across India where the policyholder can avail of cashless treatment.
  • The premium for this plan is quite affordable.
Cons
  • There is a waiting period of 2 years for certain diseases to be covered under this plan.
  • Pre-existing diseases are not covered under this plan.
  • The sum insured under this plan is quite low as compared to other health insurance plans.

Kotak Mahindra Health Care Insurance Plan

Kotak Mahindra Health Care Insurance Plan is a comprehensive health insurance plan that offers a wide range of benefits and features. It covers all the essential health care needs of an individual and his/her family.

The plan provides for a sum assured of Rs. 5 lakhs and offers a wide range of benefits such as inpatient treatment, outpatient treatment, day care procedures, maternity benefits, etc. The plan also offers a host of other benefits such as cashless hospitalization, personal accident cover, and critical illness cover.

Kotak Mahindra Health Care Insurance Plan is one of the most popular health insurance plans in India and is preferred by a large number of people.

Pros
  • Provides comprehensive health insurance coverage
  • Offers cashless hospitalization facility
  • Has a wide network of hospitals
  • Provides cover for pre and post-hospitalization expenses
  • Offers policyholders the option to avail of top-up plans
Cons
  • The premium amount is on the higher side as compared to other health insurance plans
  • Does not cover some common day-to-day expenses such as dental treatment, spectacles, etc.
  • The waiting period for some benefits is quite long

Bajaj Allianz Health Guardian Insurance Plan

Bajaj Allianz Health Guardian is a health insurance policy that offers comprehensive coverage for individuals and families. It covers both inpatient and outpatient medical expenses, as well as preventive care. The policy has a wide range of features and benefits, making it one of the most comprehensive health insurance plans available.

One of the key features of the Bajaj Allianz Health Guardian policy is that it offers cover for pre-existing medical conditions from day one of the policy. This is unlike most other health insurance plans, which generally exclude pre-existing conditions from cover. The policy also provides for no claim bonuses, which can increase the sum insured by up to 50% over the policy term.

Another key feature of the Bajaj Allianz Health Guardian policy is that it offers a range of optional covers, which can be added to the base policy to tailor it to individual needs. These optional covers include cover for critical illness, personal accidents, hospital cash benefits, and maternity expenses.

The Bajaj Allianz Health Guardian policy provides comprehensive cover at an affordable price. It is one of the most comprehensive health insurance plans available and is an excellent choice for individuals and families looking for comprehensive cover.

Pros
  • It offers comprehensive health insurance coverage for individuals and families.
  • It covers pre and post-hospitalization expenses, as well as day-care procedures.
  • It has a wide network of hospitals and clinics that are covered under the plan.
  • The premiums are affordable and the policy offers lifelong renewability.
Cons
  • There is a waiting period of 3 years for certain diseases to be covered under the plan.
  • Pre-existing medical conditions are not covered under the plan.
  • There is a sub-limit on certain expenses such as room rent, Intensive Care Unit (ICU) charges, etc.

Oriental Health Insurance Plan

The Oriental Health Insurance Plan is a comprehensive health insurance plan that covers a wide range of medical services. It is one of the most popular health insurance plans in the market and is known for its low premiums and high coverage. The Oriental Health Insurance Plan covers both inpatient and outpatient care, as well as preventive care. It also covers prescription drugs, mental health, and substance abuse services.

The Oriental Health Insurance Plan is a PPO plan, which means that you can see any doctor or specialist that you want, without needing a referral from your primary care physician. The only downside to the Oriental Health Insurance Plan is that it does not cover dental or vision care. If you are looking for a comprehensive health insurance plan with low premiums and high coverage, the Oriental Health Insurance Plan is a good option.

Star Health Senior Citizen Red Carpet

As you grow in age, the complexity of buying health insurance increases. Star Health has come up with an amazing medical insurance plan to help old-aged people. It lays emphasis on the people aged between 60-75 years. This plan covers the cost of drugs and blood, oxygen, pacemaker, ICU expenses, and other hospitalization expenses. There is no need for medical screening under this plan.

Star Health Cardiac Care

As per the research, more than 32 million people in India are suffering from cardiac issues. Start Health has introduced a plan named Star Cardiac Care that is completely designed for cardiac patients. It is offered in two variants, Silver or Gold. Cardiac patients aged between 10-65 years can opt for this policy. This policy states that all patients have to undergo medical screening at an initial level. All the in-patient hospitalization and treatment costs are covered under Star Health Cardiac Care.

Star Health Cardiac Care is a comprehensive medical insurance plan that covers all aspects of cardiac care. This includes inpatient and outpatient care, preventive care, and surgeries. It also covers the costs of prescription drugs and rehabilitation. The plan has a wide network of doctors and hospitals, and it offers discounts on some services.

One of the main benefits of the Star Health Cardiac Care plan is that it covers all aspects of cardiac care. This includes inpatient and outpatient care, preventive care, and surgeries. The plan also covers the costs of prescription drugs and rehabilitation. This means that you will be covered for all of your cardiac needs, from the initial diagnosis to the ongoing treatment and care.

Another benefit of the Star Health Cardiac Care plan is that it has a wide network of doctors and hospitals. This means that you will be able to find a doctor or hospital that is covered by the plan. Additionally, the plan offers discounts on some services. This can help you save money on your cardiac care.

Overall, the Star Health Cardiac Care plan is a comprehensive medical insurance plan that covers all aspects of cardiac care. This includes inpatient and outpatient care, preventive care, and surgeries. It also covers the costs of prescription drugs and rehabilitation. The plan has a wide network of doctors and hospitals, and it offers discounts on some services. If you are looking for a medical insurance plan that covers all of your cardiac needs, the Star Health Cardiac Care plan is a good option.

Apollo Munich Optima Restore

Unlike other health plans, Apollo Munich makes sure to provide full coverage to the patients. Apollo Munich Optima Restore actually restores the basic sum assured even if it is exhausted before the end of term. It does not increase the premium rate. This policy makes sure to cover overall in-patient, pre and post-hospitalization expenses, domiciliary treatment, and so on.

Apollo Munich Optima Restore is a health insurance plan that offers several features and benefits. It is a comprehensive plan that covers both inpatient and outpatient care, as well as preventive care. It also provides coverage for pre-existing conditions, which is not always available in other health insurance plans. The plan has a lifetime maximum benefit of $5 million, which is higher than most other health insurance plans.

Additionally, it offers a cashless benefit, which means that policyholders can receive treatment without having to pay out-of-pocket expenses. Lastly, the plan has a waiting period of only 30 days, which is shorter than the waiting periods of most other health insurance plans.

ICICI Lombard Complete Health Insurance – iHealth Plan

ICICI Lombard Complete Health Insurance – iHealth offers comprehensive coverage for all your family members- spouse, self, parents, dependent kids, brothers, sisters, etc. This policy was recognized as Product of the Year in 2013. There are certain features that are covered under it-

  • Free health check-up (twice a year)
  • Dietician & nutritionist consultation
  • Lifelong renewal (no age limit for renewal)
  • Online doctor chat
  • Value added services
  • 15 days grace period
  • Covers comprehensive in-patient hospitalization expenses, etc.

Max Bupa Heartbeat

It is a family-oriented health insurance plan that encompasses unique features. These include inbuilt maternity benefits, no lower or upper cap on the entry age, newborn benefits, and so on. It is categorized into three variants – Silver, Gold, and Platinum. It provides you with all your personal as well as family protection. It allows you to cover approximately 13 relationships under one single policy.

Max Bupa Heartbeat is a comprehensive health insurance plan that offers a wide range of features and benefits. It covers both inpatient and outpatient treatment, as well as preventive care. It also provides cover for maternity and newborn care, as well as for mental health and substance abuse. The plan has no sub-limits on any of its benefits and offers a wide range of extras, such as cover for dental and optical treatment. It also provides cover for alternative therapies, such as acupuncture and homeopathy.

One of the main advantages of Max Bupa Heartbeat is that it is a very comprehensive plan. It offers a wide range of features and benefits, which makes it one of the most comprehensive health insurance plans on the market. Another advantage is that it has no sub-limits on any of its benefits. This means that you are covered for the full cost of any treatment you receive, regardless of how much it costs.

However, there are some disadvantages to Max Bupa Heartbeat.

One is that it is a very expensive plan. The monthly premium is significantly higher than the average for health insurance plans. Another disadvantage is that it has a waiting period of 3 years for some of its benefits, such as cover for mental health and substance abuse.

Religare ‘Care’

It is one of the most lucrative and ideal medical policies that extend the upper cap of sum assured up to 60 lakhs. There is no maximum entry age limit for the insured. It offers cashless treatments and daily allowances followed by an ambulance allowance.

Religare ‘Care’ is a comprehensive health insurance plan that offers a wide range of features and benefits. It covers both inpatient and outpatient treatments, as well as preventive care. It also provides cover for pre-existing conditions and offers a cashless facility at over 6,000 hospitals across India.

One of the main advantages of the Religare ‘Care’ plan is that it offers a wide range of coverage. It not only covers inpatient and outpatient treatments but also provides cover for preventive care. This is important as it helps to keep policyholders healthy and reduces the likelihood of them making claims.

Another advantage of the plan is that it offers a cashless facility at over 6,000 hospitals across India. This means that policyholders can receive treatment without having to worry about paying for it themselves.

The Religare ‘Care’ plan is competitively priced when compared to other medical insurance plans. It also offers a number of additional benefits, such as cover for pre-existing conditions and a cashless facility at over 6,000 hospitals.

New India Assurance Janata Mediclaim Policy

New India Assurance is a leading and trusted name in the field of insurance. The Janata Mediclaim Policy offered by them is the most feasible health policy. It provides an array of amazing discounts. Bonuses and discounts offered include Cumulative bonuses, Loyalty discounts, Ayurvedic/Homeopathic and Unani systems of medicine, etc. Under this policy, all your in-hospitalization expenses are covered.

New India Assurance Janata Mediclaim Policy is a health insurance policy that provides cashless hospitalization and other benefits to the policyholder. The policy covers both pre and post-hospitalization expenses, and also provides for ambulance charges, medical tests, and surgeries. It has a waiting period of 3 years for certain diseases, and the policy can be renewed for life. The policyholder can avail of a maximum of Rs. 5 lakhs under this policy.

The main features and benefits of the New India Assurance Janata Mediclaim Policy are as follows:

  • Cashless hospitalization:
    The policyholder can avail of cashless hospitalization at any of the network hospitals of New India Assurance.
  • Pre and post-hospitalization expenses:
    The policy covers both pre and post-hospitalization expenses, such as medical tests, surgeries, and ambulance charges.
  • Waiting period:
    There is a waiting period of 3 years for certain diseases.
  • Renewability:
    The policy can be renewed for life.
  • Sum assured:
    The policyholder can avail of a maximum of Rs. 5 lakhs under this policy.

Compared to other medical insurance plans, the New India Assurance Janata Mediclaim Policy is reasonably priced. It also offers a number of additional benefits, such as cashless hospitalization and a waiting period of 3 years for certain diseases.

Bharti AXA Smart Health

Bharti Axa Smart Health is one of the most unique and profitable health insurance plans in India. It offers a wide range of useful and exclusive features such as inbuilt critical illness benefits and other value-added benefits. Bharti AXA Smart Health covers 20 critical illnesses.

Bharti AXA Smart Health is a medical insurance plan offered by Bharti AXA General Insurance. It is a comprehensive health insurance plan that covers hospitalization expenses, outpatient treatments, and other health-related costs. The plan offers various features and benefits, which makes it an attractive option for those who are looking for a comprehensive health insurance plan.

One of the main features of Bharti AXA Smart Health is that it offers cashless hospitalization at over 4,000 network hospitals across India. This means that policyholders do not have to pay anything out-of-pocket for their hospitalization expenses. The plan also covers pre and post-hospitalization expenses, as well as daycare procedures. In addition, Bharti AXA Smart Health provides cover for emergency ambulance services, home nursing, and Ayurvedic, Yoga, and Naturopathy treatments.

Another key feature of Bharti AXA Smart Health is that it offers a wide range of sum insured options, starting from Rs. 3 lakhs up to Rs. 50 lakhs. This makes it a suitable option for both individuals and families. The plan also has a lifelong renewability option, which allows policyholders to renew their policy even after they turn 65 years old.

Compared to other medical insurance plans, Bharti AXA Smart Health is reasonably priced. It also offers a number of additional benefits, such as cashless hospitalization and a wide range of sum insured options.

Oriental Insurance Happy Family Floater

If you are someone who wants to enjoy ample valuable add-ons and discounts, then this is the perfect medical insurance policy for you! With Oriental Insurance Happy Family Floater, you get a complete family cover. It has two variants, Silver and Gold.

The features of this Policy are:

  • A daily hospital cash allowance (for the Gold plan)
  • Personal accident add-on (including death and disability)
  • Attendant allowance (for gold plan)
  • Discount in premium if TPA services do not opt, etc.

Oriental Insurance’s Happy Family Floater is a comprehensive health insurance policy that offers financial protection to the policyholder and their family. The policy covers medical expenses incurred for the treatment of illnesses and injuries, as well as hospitalization costs. It also provides for a daily cash benefit in the event of hospitalization. The policy has a wide range of coverage and benefits and is one of the most competitively priced health insurance policies in the market.

The policy covers medical expenses incurred for the treatment of illnesses and injuries, as well as hospitalization costs. It also provides for a daily cash benefit in the event of hospitalization. The policy has a wide range of coverage and benefits and is one of the most competitively priced health insurance policies in the market.

The policy covers medical expenses for the treatment of over 1,350 illnesses and injuries. It also provides for hospitalization expenses, including room, board, and nursing charges. The policy has a sum insured of Rs. 5 lakhs, which can be used by the policyholder and their family members. The policy also provides for a daily cash benefit of Rs. 500 in the event of hospitalization.

The policy has a wide range of coverage and benefits and is one of the most competitively priced health insurance policies in the market.

Which medical insurance is the best in India?

When buying medical insurance in India, it is important to keep the following things in mind:

  • The insurance company should be a reliable and reputable one.
  • The policy should cover all the basic medical expenses.
  • It is important to check the exclusions in the policy.
  • The premium amount should be affordable.
  • The policy should have a good claim settlement ratio.

If you are planning to buy medical insurance in India, it is important to know that there are many different types of insurance plans available. There are plans that cover only hospitalization, plans that cover both hospitalization and outpatient care, and plans that cover only certain types of medical expenses. It is important to choose a plan that best suits your needs.

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