5 Best Health Insurance Plans to Buy in 2020

5 Best Health Insurance Plans to Buy in 2020

I know it’s a pretty tough and confusing task to choose the best health insurance plan for you or your family from a bunch of health insurance plans available in the market today. 

Since every health insurance policy comes with different coverage options, different features and different add-on benefits at a premium amount that that is different too, you may find yourself caught up in a puzzle to unearth the best health insurance plan in such a knotty situation. 

But here, the question is, should you lose your sleep over this? With GIBL.IN at your assistance, the answer is NO!

And if you are looking for the best health insurance plans to buy in Indian in 2020, GIBL.IN is here to provide you with the top health insurance plans in the market. Here you can get your hands on the best health insurance plans in the market.

So, to help you reach a perfect conclusion and trip down your stress, here I present you the top 5 best health insurance policies in India that you can consider buying in 2020 for you or your family. All these plans have been ranked on the basis of the features, coverage offered and the claims settlement ratio of the company. 

  1. Religare Care Health Insurance Plan
  2. Star Family Health Optima Plan
  3. HDFC ERGO Health Optima Restore Plan
  4. HDFC Ergo Health Suraksha Gold Plan 
  5. Max Bupa Health Companion Individual Plan 

Now let’s have a detailed summary of all these plans to find out why these are among the best health insurance plans in Indian in 2020.

1. Religare Care Health Insurance Plan

Religare Care is basically a comprehensive health insurance policy. This mediclaim policy has been designed to cover medical expenses of the injured due to injury, illness, or accident. 
Religare Care plan is available in 5 variants:

  • Care 3 (Super Saver)
  • Care 4 (Elite)
  • Care 5 (Elite Plus)
  • Care 6 (Global)
  • Care 7 (Global Plus)

Under this plan, you can choose a Sum Insured between Rs. 4 Lakh to Rs. 6 Crore. Religare Care Health Insurance Plan also offers various add-on benefits which you can avail by paying a little additional premium. The add-ons offered under this plan include Unlimited Automatic Recharge, No Claim Bonus Super, personal accident cover, everyday care, air ambulance, smart select, international second opinion and global coverage. 

What Does Religare Care Health Insurance Plan Cover?

  • Covers all day care treatments.
  • In-patient hospitalization expenses are covered up to Sum Insured.
  • Offers global cover on cashless basis across network of hospitals.
  • Covers pre-hospitalization expenses for up to 30 days and post-hospitalization expenses for up to 60 days.
  • Covers the expense from domiciliary hospitalization expenses for up to a specified limit.

2. Star Family Health Optima Plan

Star Family health Optima can be considered as one of the best health insurance products that covers your entire family at a nominal premium. Under this plan, you can include self, spouse, and dependent children who are aged between 16 days to 25 years. 

Star Family Health Optima Plan provides you with the benefits of lifetime renewability. You can purchase this plan if you are aged between 18-65 years. In addition, you can choose from the Sum Insured options ranging from Rs. 3 Lakh to Rs. 25 Lakh. Lastly, the best part of this health plan is that it offers 3 times automatic restoration of the Sum Insured by 100% for every complete exhaustion.

What Does It Cover?

  • All daycare procedures
  • In-patient hospitalization expenses
  • Covers air ambulance costs up to a specified limit
  • Expenses of domiciliary treatment 
  • Pre & Post hospitalization expenses for up to 60 and 90 days respectively

3. HDFC ERGO Health Optima Restore Plan

HDFC ERGO Health Optima Restore is one of the most popular health insurance plans in 2020. Anyone who is aged between 91 days and 65 years can be covered under this plan. The policy comes with the Sum Insured options ranging from Rs. 3 Lakh to Rs. 50 Lakh. 

Some of the incredible benefits of this plan are cover for pre & post hospitalization expenses, domiciliary treatment, air ambulance cover, etc and so on. In addition, the best feature of this plan is Stay Active benefit which rewards you on living an active lifestyle. All you will have to do is just walk and stay active and you will be entitled to avail discounts on premiums. 

What Does It Cover?

  • Road ambulance cover
  • Lifetime renewability 
  • 100% increase in Sum Insured for every 2 claim-free years
  • Cover for daycare procedures
  • In-patient hospitalization cover

4. HDFC ERGO Health Suraksha Plan

Health Suraksha Plan from HDFC ERGO General Insurance Company is undoubtedly an ideal choice for individuals and families since it covers them against major healthcare expenses. Along with high benefits, this plan comes with Sum Insured options ranging from Rs. 3 Lakh to Rs. 10 Lakh.

The minimum age to get coverage under this plan is 91 days. The best part of this plan is that there is absolutely no maximum age limit. The health insurance plan comes in several variants namely Silver, Gold, and Platinum along with different Sum Insured alternatives and benefits under them. Some of the common benefits of this plan are listed below for your understanding: 

What Does It Cover?

  • Covers organ donor expenses
  • Covers for daycare procedures
  • Covers in-patient hospitalization expenses without any limit on room rent or diseases covered
  • Pre-hospitalization expenses covered for up to 60 days 
  • Post-hospitalization expenses covered for up to 90 days 

5. Max Bupa Health Companion

Max Bupa Health Companion can be your ultimate source of financial support when you require it in the event of an unforeseen health emergency. Anyone aged above 91 days can be covered under Health Companion. 

The best part of this plan is that it provides health cover for Sum Insured as low as Rs. 2 Lakh and as high as Rs. 1 Crore. In addition to that, Max Bupa Health Companion can cover up to 19 relationships. This plan is a must buy if you are on the lookout for a high coverage at a premium amount that does not burn a hole through your pocket. You might be eligible for a discount of up to 12.5% on the premium of the second year given that you buy this plan for 2 years from GIBL.IN and pay in advance.

What Does It Cover?

  • 15 day free look period
  • Lifetime renewability option
  • Tax-saving under Section 80D of the Income Tax Act
  • Covers Pre and Post hospitalization expenses for 30 and 60 days respectively
  • In-patient hospitalization treatment

Deciding on the most suitable health insurance plan is no child’s play. But this list is sure to offer you some relief. In case you still have any doubt in any of the health insurance plans listed above or want to buy one by following an easy process, then get in touch with the customer care executives at GIBL.IN who will put in their best efforts to help you buy a plan which is the best suited for you. Stay healthy, stay insured!

We can help you buy the most suitable health cover for your individual self or your family within a few minutes. The above-mentioned 5 best health insurance plans in 2020 ensure a healthy future for your entire family by covering your healthcare expenses including daycare expenses, emergency ambulance expenses, hospitalization expenses, and even critical illnesses in some cases.

 

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