Top 5 Health Insurance Policies in India

We cannot really deny the importance of health insurance. It is also important to know that health insurance comes in varied patterns and the policyholder can choose amongst the best policy that suits him or her. It varies from family to family and person to person. A few of stick by the policy that would give best returns while there can be a few of us who believe in the policy to cover all the healthcare needs. A lot of us are also clueless on what type of policy to buy or suits them 30 or 40 years from now.

The solves all your queries right here. Here are the top 5 listed health insurance policies that you can buy;

  1. Apollo Munich Easy Health:

Apollo has a variety of health insurances to offer but one amongst the best health insurance by Apollo Munich is the Apollo Munich Easy Health. It is important to have health insurance and this has been proved the best. Benefits that it offers are;

  • This policy offers an in-patient treatment that helps in getting the cover against the expenses of hospitalization for a period of 24 hours or more.
  • It also provides with a pre-hospitalisation cover. With this you can get a cover for all the medical expenses that may happen in 2 months or 60 days before the hospitalization. And with the post-hospitalization it provides with the coverage of medical expenses that are incurred after hospitalization or treatment.
  • It also offers 144 types of daycare medical expenses.
  • Yet another beneficial feature I the Domiciliary Treatment Expenses that allows the policyholder to avail the medical treatment at home which would have required hospitalization.

These are a few best available features of health insurance right now.

  1. ICICI Lombard Complete Health Insurance or iHealth:

The ICICI Lombard Complete Health Insurance is yet again referred to as the best health insurance plan. Here are the perks of taking this plan;

  • Cashless hospitalization, free health check-ups, free look period for 15 days, tax benefits, emergency ambulance cover and so on. These are a few listed benefits offered by the iHealth health insurance provided by ICICI. With this, it also provides with a lifelong renewable option. Lastly, other than the treatment expenses and hospitalization, this policy also coves with the expenses incurred during the day care procedures.

Hence helping in enjoying a cashless hospitalization and medication.

  1. Religare Health Insurance Care:

This is a comprehensive health insurance that helps you and your family during an emergency and financial risking on a medical emergency. Here is what the plan offers;

  • Covers the room rent, ambulance charges, ICU charges, day care procedures, domiciliary expenses, per and post hospitalization and medical check-up. Also, every hospital expense occurred is covered by this policy.
  • Domiciliary hospitalization is nothing but treatment done at home. This plan looks after the patient being treated immediately.
  • All the insurance plans come out with no upper age limit bar. This means it can also apply to a person who is 100 years old.
  1. Bajaj Allianz Health Guard:

With the several innovative and comprehensive policies, the Bajaj Allianz Health Guard also offers some quality treatment facilities. The perks offered by Bajaj Allianz are;

  • Coverage against the pre and post hospitalization which also includes the consultations, medicines, medical investigations and so on to the illness-related of the policyholder.
  • It comes with a lifelong renewability option.
  • It also offers the cashless facility for around 4000 network hospitals in India.
  1. Max Bupa Health Insurance Health Companion Plan:

The Max Bupa Health Insurance Health Companion Plan provides with the option of customization of insurance policy. The policyholder can make changes on the preferred policy. Some of the perks offered are;

  • Coverage on all hospitalization
  • Pre and post hospitalization
  • In-patient treatment
  • Daily allowance of cash


The importance of having an insurance policy is undeniable. Given above are the top 5 insurance policies available in India. We all really know the saying ‘Health is Wealth’ let us just do our bit to get safer and sounder for the future. Emergencies are unsaid and can occur at any point in time. All you really need to do is find the best insurance policy to safeguard your family and loved ones. Buying health insurance policy online is always a good option.