Top 5 Health Insurance Plans To Buy At Low Premiums In 2021
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Medical insurance policies reimburse treated people for medical expenses such as surgery, hospitalisation, medications, and other medical expenses incurred as a result of injuries, illnesses, or incidents. When a health insurance claim is settled, the insurer, or insurance provider, pays the benefits to the insured according to the policy's terms and conditions.
Top 5 Health Insurance Plans To Buy At Low Premiums In 2021
The top 5 family plans based on lower premiums for a coverage of Rs. 5 lakhs are mentioned below. Let's take a look at a few of them:
1. Reliance Infinity Health
Reliance Health Infinity is a flexible package that protects up to 8 members of your family and includes a wide variety of benefits (2 Adults and up to 6 children).
Key Features:
- For added insurance, the package includes extra coverage that increases the amount insured to Rs.30 lakhs.
- The policyholder will receive expanded coverage depending on the policy duration in place under the plan feature 'More Time.'
2. Aditya Birla Activ Health Platinum Enhanced
Aditya Birla Activ Health Platinum-Enhanced is a comprehensive medical insurance plan intended to support you and your family in the event of a medical emergency.
Key Features:
- In the event of chronic diseases such as diabetes, high cholesterol, or asthma, policyholders are responsible for day one coverage for medications, examinations, and doctor consultations under this package.
- The package allows policyholders to choose the hospital room that best suits their needs and preferences.
3. Care Insurance Plan Health
Care Health Insurance is a comprehensive health plan that provides coverage up to Rs. 6 crores and a slew of incentives to ensure you're well-equipped to deal with any medical emergency.
Key Features:
- If the health cover is expended, the company provides the option of Unlimited Automatic Recharge, which allows the plan to automatically recharge the amounts insured. This advantage can be used an infinite number of times with this add-on cover.
- If the policyholder is diagnosed with a serious condition, the plan pays for a second opinion from a medical specialist.
4. Complete Health Insurance Plan by ICICI Lombard
Your medical needs are met by the ICICI Lombard Complete Health Insurance Plan. This family health plan doesn't require a pre-medical exam until you're 45 years old, and it covers all of your healthcare needs.
Key Features:
- The package includes a Wellness program that allows you to win points for leading a healthier lifestyle, which can then be redeemed on OPD bills for doctor's consultations, medication and medications, diagnostic and dental expenses, and so on.
- Additional Amount Insured is a bonus that allows you to receive up to 10% of your sum insured for each year you go without filing a claim.
5. Family Optima Plan by Star Health
The Star Health Family Health Optima plan is a low-cost health insurance option that protects the entire family with a single premium. In addition to in-patient care, the package provides a free health checkup for one year with no claims.
Key Features:
- The package covers a newborn baby from the 16th day after birth until the policy's expiration date, as long as the mother is covered by the policy for a continuous duration of 12 months.
- The scheme pays for the cost of repatriation of the insured person's mortal remains to his home (up to Rs.5,000).
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Conclusion
Medical insurance policies reimburse insured individuals for medical expenses such as surgery, hospitalisation, medications, and other medical expenses incurred as a result of injuries, illnesses, or incidents. When a health insurance claim is settled, the insurer, or insurance company, pays the benefits to the insured according to the policy's terms and conditions.
Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.
