Health Insurance Plans – Buy Insurance Policy Online & Companies

A health insurance policy is simply a contract that takes an insurer to cover some or all of an individual’s medical costs in return for a regular premium paid monthly.

 More precisely, health insurance covers medical, dental, and in some cases surgical expenses incurred by the policyholder. In the United States, health insurance is regulated at the state level.

Some states require insurance companies to provide at least basic coverage to the policyholder, while others mandate insurance companies to offer more extensive coverage. Regardless of state regulations health insurance is available to most people who shop around for it.

The cost of healthcare or the expenses incurred as a result of illness or injury is growing rapidly. The American public is also feeling the pressure of rising health care costs as the gap between payments for healthcare providers continues to widen.

People are using their healthcare dollars in other ways. One way is by supplementing their income with insurance benefits.

By doing so they can afford essential healthcare expenses and avoid falling into the debt trap. By using an HSA (health savings account) an individual can save money both for medical needs and other bills.

 

High-deductible health plans offer few options to cover out-of-pocket expenses. For many, this presents a problem as they desire to have both health insurance and supplemental health coverage.

If you are one of the individuals who fall into this high-deductible health plan category and are not sure what options you have considered both high deductibles and out-of-pocket expenses.

What Health insurance Covers

A health insurance plan will pay a certain percentage of your medical treatment cost after a deductible has been met. Deductibles are usually specified by each plan. They vary based on whether you are covered under an HSA or if you choose an HSA and use it to supplement your primary care medical insurance. Deductibles are intended to keep healthcare services out-of-pocket expenses.

 When considering the level of deductible necessary for you and your family consider the amount of out-of-pocket medical treatment you would be responsible for if the illness or incident occurred without any medical treatment.

Another factor to consider when deciding upon a health insurance plan is co-payments. Co-pays are expected payments that will be made to the health care provider by the individual or family for any services received. Some health insurance plans have a lower co-pay than others.

 This will be determined by the health insurance coverage you select and the type of illness you or a member of your family is at risk for.

The lower co-payments can help reduce your out-of-pocket medical costs, but you must be sure to understand what co-payments will be involved in your case.

health insurance,

Type Of Health Insurance

  • Individual Health Insurance 
  • Critical Illness Insurance
  • Critical Illness Insurance
  • Hospital Daily Cash Benefit Plans
  • Senior Citizen Health Insurance Plans
  • Family Floater Health Insurance
  • Super Top-up health insurance
  • Arogya Sanjeevani policy
  • Group Medical Insurance
  • Maternity Health Insurance

 

Best Health Insurance Plans in India And 2021

Best Health Insurance Plan In India List

Sr.N. Health Insurance Plans Name Sum Insured
Min./Max. (Rs)
Key Point
1. Aditya Birla Activ Assure Diamond Plan policy Min. – 2 lakh
Max. – 2 Crore
·         Pre-post hospitalization cover

·         100% Ambulance cover

·         AYUSH in-patient cover

·         In-patient hospitalization cover

·         Domiciliary hospitalization cover

2.

 

 

Bajaj Allianz Health Infinity (Plan) Policy Unlimited ·         Pre-post hospitalization cover

·         In-patient hospitalization

·         Day care procedures

·         Preventive health check-ups

·         Road ambulance

3. Bharti AXA Smart Health Insurance Policy Plan Min. – 50,000
Max. – 5 lakh
·         Daycare treatment cover

·         Critical illness cover

·         Pre-post hospitalization cover

·         In-patient hospitalization benefit

·         Domiciliary hospitalization

4.       l Care Health Insurance (Policy) Plan Min. – 3 lakh
Max. – 75 lakh
·         In-patient care

·         Organ donor cover

·         Pre-post hospitalization cover

 

·         Alternative treatment

·         Second opinion

5. Cholamandalam Healthline (policy) Plan Min. – 1 lakh
Max. – 25 lakh
·         Emergency ambulance expenses

·         In-patient hospitalization expenses

·         Pre-post hospitalization expenses

·         Maternity expenses

·         AYUSH coverage expenses

6. Digit Health Care Plus (Plan) Policy Min. – 2 lakh
Max. – 3 crore
·         Hospitalization cover

·         Critical illness cover

·         Complimentary health check-up

·         Daily hospital cash cover

·         Psychiatric illness cover

7. Edelweiss Health Insurance Plan Policy Min. – 1 lakh
Max. – 1 crore
·         Daycare treatment

·         Maternity benefit

·         Ambulance cover

·         Pre-post hospitalization cover

·         Hospitalization expenses

8. Future Generali Health Total Plan Min. – 3 lakh
Max. – 1 crore
·         Maternity benefit

·         Mental healthcare cover

·         Hospitalization expenses

·         Road ambulance charges

·         OPD medical expenses

9. IFFCO Tokio Individual Health Protector Plan Min. – 50,000
Max. – 20 lakh
·         Hospitalization expenses

·         Domiciliary hospitalization

·         AYUSH hospitalization cover

·         Organ donor cover

10. Kotak Mahindra Health Premier Insurance Policy Min. – 3 lakh
Max. – NA
·         In-patient treatment

·         Maternity cover

·         Home nursing benefit

 

·         Annual health check-up

·         Air ambulance cover

11. Liberty Health Connect Plan Min. – 2 lakh
Max. – 15 lakh
·         Hospital daily cash allowance

·         Pre-post hospitalization expenses

·         Recovery benefit

·         In-patient treatment expenses

·         Second opinion

12. ManipalCigna ProHealth Insurance Plan Min. – 2.5 lakh
Max. – 1 crore
·         Hospitalization expenses

·         Outpatient expenses

·         Medical check-up

·         AYUSH In-patient hospitalization cover

·         Donor expenses

13. Max. Bupa Health Companion (Policy) Plan Min. – 3 lakh
Max. – 1 crore
·         Day care treatments

·         In-patient care

·         Pre-post hospitalization expenses

·         Health check-up

·         Modern treatment

14. National Mediclaim Plan Min. – 1 lakh
Max. – 10 lakh
·         In-patient hospitalization expenses

·         Mental illness cover

·         Pre-post hospitalization expenses

·         Modern treatments

·         Ambulance charges

15. New India Assurance Mediclaim Plan Min. – 1 lakh
Max. – 15 lakh
·         Pre-post hospitalization expenses

·         Health check-up

·         Hospital cash allowance

·         Ambulance charges

·         In-patient hospitalization

16. Oriental Mediclaim Insurance Plan (Individual) Min. – 1 lakh
Max. – 10 lakh
·         Ambulance charges

·         Hospitalization expenses

·         Telemedicine expenses

·         Mental illness cover

·         Modern treatment

17. Raheja Qube Insurance Plan Min. – 1 lakh
Max. – 50 lakh
·         In-patient hospitalization

·         Domiciliary hospitalization

·         Medical check-up

·         Organ donor benefit

·         Pre-post hospitalization expenses

18. Reliance Health Infinity Insurance Plan Min. – 3 lakh
Max. – 1 crore
·         Emergency ambulance

·         In-patient care

·         Day care procedures

·         Transportation benefit

·         AYUSH benefit

19. Royal Sundaram Lifeline Supreme Health policy Min. – 5 lakh
Max. – 50 lakh
·         Emergency domestic evacuation cover

·         In-patient hospitalization expenses

·         Pre-post hospitalization expenses

·         Second opinion

·         Annual health check-up

20. SBI Arogya PremierInsurance Policy Min. – 10 lakh
Max. – 30 lakh
·         Maternity expenses

·         Hospitalization expenses

·         Air ambulance

·         Advanced treatment procedures

·         Mental illness cover

21. Star Medi Classic Insurance Policy (Individual) Min. – 1.5 lakh
Max. – 15 lakh
·         Pre-post hospitalization expenses

·         Modern treatment

·         Psychiatric & Psychomatic disorder

·         In-patient treatment

·         Health check-up

22. Tata AIG Medicare Insurance Policy Min. – 3 lakh
Max. – 20 lakh
·         Daycare treatment

·         In-patient treatment

·         Domiciliary treatment

·         Compassionate travel

·         Ambulance cover

23. United India (Individual) Health Insurance Policy Min. – 2 lakh
Max. – 20 lakh
·         Pre-post hospitalization expenses

·         Day care procedures

·         In-patient Ayurvedic treatment

·         Health check-ups

·         Domiciliary hospitalization

24. Universal Sompo Complete Healthcare Insurance Plan Min. – 1 lakh
Max. – 10 lakh
·         OPD treatment

·         In-patient hospitalization

·         Maternity expenses

·         Accidental dental treatment

·         Organ donor expenses

 

Best Health Insurance Companies in India

Top Health Insurance Quote Companies list

Sr N. Health Insurance Company
1 IFFCO Tokio General Insurance company
2 Care Health Insurance
3 Magma HDI Health Insurance
4 The Oriental Insurance Company
5 New India General Insurance
6 Bajaj Allianz General Insurance
7 Max Bupa Health Insurance company
8 Navi General Insurance company
9 HDFC ERGO General Insurance
10 Manipal Cigna Health Insurance
11 Edelweiss General Insurance company
12 National Insurance Company
13 Future Generali General Insurance
14 Royal Sundaram General Insurance
15 Liberty General Insurance company
16 ICICI Lombard General Insurance
17 Star Health Insurance
18 United India Insurance
19 Reliance General Insurance company
20 Tata AIG General Insurance company
21 Bharti AXA General Insurance company
22 Kotak Mahindra General Insurance
23 Acko General Insurance Company
24 Aditya Birla Health Insurance company
25 Universal Sompo General Insurance
26 SBI General Insurance company
27 Go Digit General Insurance company
28 Cholamandalam MS General Insurance

 

There are many options available to you and your family when considering Medicare and Medicaid.

Some of these options can include extended benefits and prescription drug coverage. For seniors, there are opportunities to get health insurance through supplemental security income (SSI) programs and certain private health insurance companies offer guaranteed issue policies for those 55 years and older.

With proper research, you can find ways to afford health coverage, even with limited income. If you are currently out of work due to a medical condition you may qualify for Medicare.

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