Rs. 3 Lakh Health Insurance

The best health insurance plans with a sum assured of Rs.3 Lakh are listed below.

1. Care Healthcare Care Plus

Care Plus Health Insurance is a comprehensive health insurance plan with no upper age limit that covers people of all ages. This Care Health Insurance Limited plan provides individuals and families with a range of new benefits, as well as renewal benefits for those over the age of 40.

Features and Benefits

• It covers people of all ages, including adults, children, and the old citizens.
• It offers the insured an annual medical check-up at a Care Health Insurance Limited network hospital once each policy year.
• It provides cashless care at more than 16,500 Care Health Insurance network hospitals.
• Under Section 80D of the Income Tax Act of 1961, it gives tax benefits on the premium paid for the policy.
• If the sum insured amount of the policyholder has been exhausted during the policy term, it will be automatically refilled an unlimited number of times.

2. Niva Health Companion

The Niva Bupa Health Companion policy (formerly known as Max Bupa) is an all-round health insurance plan that covers your medical expenses up to Rs 1 Crore, including pre- and post-hospitalization charges. Niva Bupa (Formerly known as Max Bupa) Health Insurance Company Limited offers this policy to help the insured manage hospital bills and other medical expenses at a reasonable rate.

Features and Benefits

• It is available in a variety of sums insured, ranging from Rs 3 Lakh to Rs 1 Crore.
• Variant 1, Variant 2, and Variant 3 are the three variants available.
• All hospitalisation costs are covered, including pre- and post-hospitalization costs.
• For sums insured of Rs 5 Lakh and beyond, there is no capping on room rent.
• Provides AYUSH (Ayurveda, Unani, Siddha, and Homeopathy) treatment to patients.
• Over 7400 of the network hospitals of the insurance company offer cashless hospitalisation service.
• Section 80D of the Income Tax Act provides a tax benefit on the premium paid.

3. Digit Arogya Sanjeevani Policy

Arogya Sanjeevani Policy of Digit General Insurance Company is a low-cost comprehensive health insurance plan. The plan is ideal for first-time health insurance buyers who want to save money on premiums and get up to Rs 5 Lakh in coverage. It is a standard policy made in accordance with the IRDAI guidelines in order to make medical insurance accessible to everybody.

Features and Benefits

• The Digit Sanjeevani policy has sum insured options ranging from Rs 3 Lakh to Rs 5 Lakh.
• The policy also covers all daycare procedures.
• For 30 days and 60 days, respectively, pre- and post-hospitalization expenses are claimable.
• For all claim-free years, a 5% cumulative bonus is offered.
• After 24 months of cover, hernia, varicose veins, fissures, congenital anomalies, sinus, benign tumors, polyps, cysts, and some other particular disease treatment/surgery are covered.

4. TATA AIG Medicare

One of the most popular health insurance plans in India is Tata AIG Medicare. In terms of benefits, the Tata AIG Medicare Insurance Policy covers everything a health insurance policy could possibly cover, from COVID coverage to cashless benefits in 5200+ network hospitals.

Features and Benefits

• Cashless treatment is available at 5800+ network hospitals across India.
• Indemnity coverage is available in addition to hospitalisation for 60 and 90 days, respectively.
• The plan covers over 540 procedures and surgeries that do not require an overnight stay in the hospital.
• In the case that a hospital bed is unavailable, the policy will cover care at home. It also covers expenses incurred prior to and following hospitalisation.
• When the recipient is the insured, the medical and surgical costs of organ harvesting are reimbursed.

5. Care Freedom Health Insurance

Care Health Insurance (Formerly known as Religare Health Insurance) comes in handy in every way when it comes to offering comprehensive health coverage. The policy, which comes in a variety of forms, is intended to meet the diverse demands of individuals while ensuring high-quality healthcare. The insurer offers a variety of 'Care' insurance options, including Care Global. The policy turns out to be an excellent choice for you and your policy.

Features and Benefits

• If hospitalisation is not an option and treatment must be performed at home, the plan will cover: All expenses incurred for treatments lasting more than three days for a condition that requires hospitalisation.
• Ambulance expenditures are covered in whole.
• The plan will cover over 170-day care treatment in the case of a hospitalisation lasting less than 24 hours.

Why Purchase Rs.3 Lakh Health Insurance?

Medical care is expensive, especially in the private sector, therefore buying a health insurance policy for yourself and your family is essential. Hospitalization might drain your bank account and throw your finances off. If the person who brings in the money is now in a hospital bed, it will be even more difficult. All of this can be avoided by paying a simple annual premium that will relieve your stress in the case of a medical emergency.