Rs. 15 Lakh Health Insurance

The best health insurance plans with a sum assured of Rs.15 Lakh are listed below.

1. New India Floater Mediclaim

The New India Floater Mediclaim Policy is a new product from New India that provides health insurance coverage for your entire family for a single premium. The New India Floater Mediclaim Plan covers hospitalisation, pre-hospitalization charges for 30 days, and post-hospitalization fees for 60 days, as well as a variety of other expenses. The New India Floater Mediclaim Policy allows you to cover yourself, your spouse, and up to two dependents. With this plan, you can also get free renewals.

Features and Benefits

• Treatments and operations that do not require a 24-hour stay in the hospital.
• Charges for transporting an insured person from their home to a hospital.
• The homeopathic, Ayurvedic, and Unani methods are all covered. If the treatment is done at a registered hospital, the policy pays out 25% of the insured amount.
• Pre-existing medical conditions are covered. With New India Assurance, it is subject to four continuous and claim-free renewals.
• Pre-existing diseases like hypertension, diabetes, and its complications are covered if the coverage is kept for at least two years. You can also pay extra premiums to get insurance for pre-existing conditions.

2. Oriental Happy Family Floater

Oriental Insurance's Happy Family Floater Health Policy covers medical expenses for the entire family under a single sum assured. Self, Spouse, Children, Parents, and Parents-in-Laws make up the family. The Family Floater Silver and Gold plans are available. This plan allows you to file a claim for medical expenses caused as a result of any illness, injury, or accident that demands hospitalisation.

Features and Benefits

• Expenses incurred for treatment of disease, injury, or surgery while in the hospital.
• Expenses incurred 30 days previous to admission to the hospital
• Expenses for treatment for up to 60 days after being released from hospital
• Individuals under the age of 45 are not required to have a medical check up.

3. SBI Arogya Premier Health Insurance

SBI Arogya Premier Policy is designed to satisfy the various medical needs of you and your family, and it comes with unique coverage features at a reasonable cost. Any individual can get this policy for himself or for his or her family, which includes his or her spouse, dependent children, parents, and in-laws.

Features and Benefits

• This covers all hospitalisation costs, such as room rent, doctor fees, operating theatre, intensive care unit (ICU) costs, nursing charges, and medicines consumed during the hospital stay.
• Pre-hospital expenses are incurred up to 60 days prior to the hospital admission date.
• Starting from the day of discharge from the hospital, post-hospital charges are incurred for up to 90 days.
• All medical costs for an organ donor individual that are connected to the harvesting of the given organ are paid.
• For 141 different categories, treatments that need less than 24 hours of hospitalisation are covered.

4. TATA AIG Medicare

Tata AIG Medicare is one of most popular health insurance plans in India. From COVID coverage to cashless benefits at 5200+ network hospitals, the Tata AIG Medicare Insurance Policy provides everything a health insurance policy could possibly cover.

Features and Benefits

• In India, there are around 5800 network hospitals that accept cashless payments.
• In addition to hospitalisation for 60 and 90 days, indemnity coverage is provided.
• Over 540 procedures and surgeries are covered under the plan, which hardly need an overnight stay in the hospital.
• If a hospital bed is not available, the insurer will pay for care at home. It also covers expenses incurred before and after admission to the hospital.
• The medical and surgical costs of organ harvesting are covered when the recipient is insured.

5. Liberty Secure Health Connect

We always want to provide our loved ones the best. We are constantly concerned about the health of our family. Secure Health Connect Policy ensures that you and your entire family are happy by providing all of the features you have always wanted in a health insurance policy.

Features and Benefits

• Premiums can be paid in instalments, which relieves the stress of having to pay the entire amount all at once.
• There are 405 day care procedures that need less than 24 hours of hospitalisation that are covered.
• Tax deduction on the premium you pay for your Secure Health Connect policy under Section 80D of the Income Tax Act of 1961.
• You are entitled to up to Rs 1500/- each hospitalisation if you receive a response to your cashless claims request within 6 hours.

Why Purchase Rs.15 Lakh Health Insurance?

Medical care is costly, particularly in the private sector, therefore buying a health insurance policy for yourself and your family is a must. Hospitalization has the potential to drain your financial account and throw your finances into disarray. It will be considerably more difficult if the individual who brings in the money is now in a hospital bed. All of this can be prevented by paying a small annual premium that will take care of your problems in the case of a medical emergency.