Best Health Insurance Plans for Individuals in India

The health insurance industry offers a gamut of health plans for individuals. The plans are comprehensive and offer a wide scope of coverage. Besides providing inbuilt coverage features, there are optional benefits too which are available at the payment of an additional premium. Among the multiple Individual health insurance plans available, it becomes difficult to find out which plan is the best. Each plan offers something better than the other and so an average customer becomes confused. To sort this confusion, below is a list containing some of the best individual health insurance plans –

Name of the plan     Allowed entry age     Sum insured limits     Salient features
 
Max Bupa Heartbeat Individual Plan     No entry age limitations. Plan can be bought at any age     Rs.5 lakhs to Rs.50 lakhs    
 
  • No capping on room rent, AYUSH treatments, day care treatments and domiciliary treatments
  • Coverage for living organ donor transplant
  • Annual health check-ups
  • Optional hospital cash benefit
Royal Sundaram Lifeline Plan     18 years onwards     Rs.2 lakhs to Rs.1.5 crores    
 
  • 100% sum insured restoration
  • No limits on specified diseases
  • Vaccination for animal bites is covered
  • Coverage for domestic evacuation
Aditya Birla Activ Health Essential     91 days onwards     Rs.50, 000 to Rs.10 lakhs    
 
  • Diabetes, hypertension and other chronic illnesses are covered from Day 1
  • 30% refund of premium for maintaining good health
  • Choice of room category
  • Second opinion for critical illness
Religare Care     No age restrictions     Rs.4 lakhs to Rs.6 crores    
 
  • Automatic recharge of sum insured
  • Second opinion for critical illness
  • Optional super no claim bonus which doubles the sum insured in two claim-free years
  • Free annual health check-ups
Apollo Munich Easy Health     5 years to 65 years     Rs.1 lakh to Rs.50 lakhs    
 
  • Stay Active benefit gives premium discounts based on the number of steps taken
  • Three plan variants
  • Inbuilt air ambulance cover in high sum insured levels
  • Optional critical illness and critical advantage rider
HDFC Ergo Health Suraksha Gold     18 years onwards     Rs.3 lakhs to Rs.7.5 lakhs    
 
  • Free health check-ups once in 4 years
  • No capping on hospitalisation expenses
  • Add-ons are available for customised coverage
  • Earn up to 20% premium discount
Star Medi-Classic Insurance Policy     5 months to 65 years    
Rs.1.5 lakhs to Rs.15 lakhs
  • Inbuilt sum insured restoration of up to 200% of the original sum insured
  • Optional cover for hospital daily cash and patient care
  • Free health check-ups once in four years
  • Policy is available also for HIV positive individuals

 

If you are an individual looking to cover yourself in a health insurance plan, the above-mentioned plans provide an ideal solution. These plans give you both inbuilt and optional coverage benefits. The sum insured range is vast and the premiums are also affordable. So, choose a plan suitable to your healthcare requirements and enjoy the coverage the plan provides.

 

Author Bio

Paybima Team

Paybima is an Indian insurance aggregator on a mission to make insurance simple for people. Paybima is the Digital arm of the already established and trusted Mahindra Insurance Brokers Ltd., a reputed name in the insurance broking industry with 17 years of experience. Paybima promises you the easy-to-access online platform to buy insurance policies, and also extend their unrelented assistance with all your policy related queries and services.

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