Top Health Insurance Plans To Buy in 2021

Selecting the perfect health insurance policy that comes with an optimum rate of premium and best services is a task. With so many insurance companies claiming to be the best, you can end up settling for less than what you deserve for buying one without doing research. Our hectic work schedules rarely leave us with the time for this and therefore we are here to help you out. Read on to find which plan suits your financial and medical needs perfectly. 

Top Health Insurance Plans To Buy in 2021

The following are a list of the top health insurance plans that you can buy in 2021. 

• Reliance Health Infinity Plan 

The Reliance Health Infinity Plan is a comprehensive insurance policy that covers as many as 8 family members under a single plan. The sum assured bracket begins from INR 3 Lakh and extends upto INR 1 Crore. It’s inbuilt additional cover allows the policyholder to increase their sum insured by INR 30 Lakh for greater protection. It has a special ‘More Time’ mode where you can choose to extend your coverage while the policy is still in force. 

• Aditya Birla Activ Health Platinum-Enhanced 

This insurance plan is designed to support the policyholder and their family during a medical emergency with a sum insured that ranges between INR 2 Lakh to INR 2 Crore. Chronic illnesses such as diabetes, cholesterol and asthma are covered and the policyholder can avail a refund of consultation charges, medical test charges and daycare procedure. It is flexible in allowing you to choose a hospital room as per your own preferences. 

• Care Health Insurance Plan 

This is a comprehensive health plan with a hefty sum assured of INR 6 Crores. It offers an optional cover of Unlimited Automatic Recharge under which the sum assured amount is automatically recharged in case the health cover is exhausted. The plan also facilitates a second opinion in case the policyholder has been diagnosed with a critical illness. It is an affordable lifetime plan for individuals above the age of 5 years. 

• ICICI Lombard Complete Health Insurance Plan 

This is a family health insurance plan that does not require a pre-medical health check up before 45 years. It’s sum assured amount ranges between INR 1 Lakh to INR 5 lakh corresponding to your health needs. In addition, a policyholder can also avail the benefit of an Additional Sum Insured where they can earn an extra 10% of their sum insured for not making any claims. The ‘Wellness Program’ of this plan offers incentives for a healthy life that can be redeemed for OPD bills, medicines and dental treatment. 

• Star Health Family Optima Plan 

This is an affordable health plan available under a single sum insured amount of INR 25 Lakh. It offers in-patient coverage and a free health check up for every claim free year. The plan comes with an attractive neonatal coverage option that begins from the 16th day of birth and continues for a lifetime, provided that the mother is also insured under the same policy for one year. In case of an unfortunate death, it reimburses INR 5,000 for the repatriation of mortal remains of the insured person to their residence. 

Take Away 

These are the top 5 health insurance policies that you can avail in 2021 that comprehensively covers your medical and financial requirements. This list will hopefully aid you in making an informed choice before purchasing a new policy. However, it is only suggestive and the plan that you buy will ultimately be contingent upon your personal medical and financial requirements. 

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.