Which is currently the best health insurance in India check Here
health insurance plans | what is health insurance
🩺💊 બેસ્ટ હેલ્થ ઇન્સ્યોરન્સ પ્લાન
💉 હેલ્થ ઇન્સ્યોરન્સ લેવું શા માટે જરૂરી છે ?
🤔 કઈ બેન્ક / કંપની નું હેલ્થ ઇન્સ્યોરન્સ લેવું બેસ્ટ 👌રહેશે
🥶 ક્યા ક્યા રોગ માં હેલ્થ ઇન્સ્યોરન્સ લાગુ પડશે અને કઈ કઈ હોસ્પિટલ 🏥માં સારવાર મળી શકશે
Good health refers to being in a state of complete mental, physical and social well-being, but not merely the absence of disease. It is possible to get health insurance cover while leading a healthy life. But getting a comprehensive health insurance cover for your loved ones can be denied in case of illness. Some medical emergencies are difficult to predict or prevent.
However, we can account for them with our different types of health insurance plans depending on the needs of the customer.
Health insurance plans cover medical expenses arising due to diseases, accidents and cover most medical or surgical treatments to restore good health. In short, health insurance plans help in alleviating fear, facilitating quality care, offering timely intervention to the affected people and making them more focused on recovery.
Benefits of health insurance plans
Star Health Insurance offers various health insurance plans to meet the needs of the customers and provides hassle free in-house claim settlement. With our health insurance
plans you can take advantage of:
- cashless facility
- tax relief
- value added services
- lasting trust
- customer centric
Cashless facility from network hospitals: Speed is of the essence while treating the sick. Cashless facility backed by our health insurance plans across India is the need of the hour. Star Health & Allied Insurance Company Limited processes more than 90% of hospitalization related mediclaim health insurance claims within 2 hours under cashless facility and 88% of claims are settled within 7 days under reimbursement of complete documents. Happens on
Tax Exemption: Under section 80D of the Income Tax Act 1961-2021, an income tax payer can avail tax exemption on premiums paid for medical health insurance policies. Taxpayer can avail tax exemption on premiums paid for self, spouse, dependent children and parents.
Value Added Services: Star Health Insurance Company offers value added benefits like e-medical opinion, telemedicine services, wellness programs and rewards (which can be converted into premium discount on renewal) and much more in the form of value added services provides. Star Health Insurance Company justifies being a health insurance specialist.
Enduring Confidence: As a health insurance expert, Star Health Insurance upholds the value of its customers and supports them during daycare procedures for hospitalization or medical emergencies.
Customer centric: Star Health continues to provide convenient digital platforms and communication channels that are accessible and accessible to the customers. Our mission is to meet our customers at the right time, in the right way, with the right care in a way that brings value to our customers' happiness.
Mediclaim Health Insurance Policies
Health insurance plans provide comprehensive coverage
Star Health Mediclaim health insurance policies will cover all those who are hospitalized 24 hours a day due to illness, accidents and daycare treatments/procedures. All relevant pre-hospitalization and post-hospitalization expenses are also payable up to the specified number of days as mentioned in the policy clause.
Health insurance plans offer more flexibility
Star health insurance plans offer more flexible benefits when the policyholder goes through certain hardships. For example, when the sum insured expires, additional coverage is provided without any additional premium. This is where benefits like automatic restoration of Basic Sum Assured, Super Restoration of Basic Sum Assured and Road Traffic Accident (RTA) on Sum Assured are applicable.
Note: These flexible benefits are product/policy specific. Please refer to the policy clause to know more.
Health insurance plans allow additional disease-specific coverage
With Star Health, the insured can avail disease-specific policies for critical illnesses, cancer and cardiac ailments as well as hospitalization of the patient in the form of a general mediclaim health insurance policy. We have a wide range of mediclaim health insurance policies to choose from such as Star Criticare Plus Policy, Cardiac Care Platinum Insurance Policy, Cancer Care Platinum Insurance Policy and Diabetes Safe Insurance Policy.
Health insurance plans cover non-hospitalization expenses
The insured can take advantage of non-hospitalization expenses covered with most of our mediclaim health insurance policies. These include pre and post hospitalization expenses, annual health check-up, outpatient care treatment, diagnosis, consultation, etc.
Our Health Insurance Plans
Health problems increase with the advancement of age for a sedentary lifestyle and for a large population. The current pandemic situation has underscored the need for health insurance more than ever. All our policies provide cover for COVID-19, on purchase of a health insurance plan in case a healthy individual/family is diagnosed with COVID-19 and requires hospitalisation. COVID-19 treatments are covered with certain waiting period as mentioned in the policy clause.
Our diverse, feature-rich health insurance plans are available for a range of health issues and provide peace of mind in times of financial distress due to medical contingencies and uncertainties.
Health insurance plans are mainly of different types and are classified into two categories on the basis of their coverage – for an individual and family.
individual health insurance plan
Individual health insurance plans cover an individual, and generally the sum insured. The selected Sum Assured can be used only by the Life Assured.
Family Floater Health Insurance Plan
In the context of family health insurance, a family refers to self, spouse and dependent children and parents.
Family floater health insurance plan covers the entire family with a single premium, and the sum assured floats among the members of the insured family. In hospitals across India, the insured and family members can avail of quality-assured patient hospitalization, modern treatment, diagnostics, surgery, etc., among other facilities.
Here are our health insurance plans:
diabetes safe health insurance plan
Diabetes is one of the most common disorders, affecting a population of 50.9 million people, making India the second most affected country in the world, according to a recent survey by the Diabetes Foundation of India. . According to WHO, a sedentary lifestyle, tobacco use, unhealthy food habits are the major factors of diabetes.
Star Diabetes Safe Health Insurance Plan provides coverage for regular hospitalization due to illness/accidents and diabetic complications arising out of type 1/type 2. This is a special plan designed for people with already a history of diabetes. The plan covers diabetic complications and all other diseases that require 24-hour hospitalization on individual and family floater basis.
Super Surplus Top-up Health Insurance Plan (Gold Plan)
During a pandemic, even the best coverage is not enough. Super Surplus health insurance plan is a top-up plan that will cover medical costs over a limit. The plan is designed to cover exorbitant medical expenses with an affordable premium of up to 1 crore sum insured. Super Surplus Top-up Plan is available on both individual and floater basis which can cover your family as well.
Cardiac Care Platinum Health Insurance Plan
Your heart needs all the extra care and timely protection. Cardiac Care is a unique health insurance plan that helps individuals in the age group of 7 to 70 years who have a cardiac ailment or have undergone cardiac surgical intervention.
Star Comprehensive Health Insurance Plan
As the name suggests, Star Comprehensive Health Insurance Plan is an all-inclusive plan that can cover the entire family from the age of 18 to 65 years with a lifetime renewal benefit.
Along with individual and family floater coverage, this health insurance plan offers various sum insured options. Depending on their needs, the individual/family can opt for the specified sum insured with a minimum of 5 lakhs and a maximum of Rs 1 crore.
know more
Senior Citizens Red Carpet Health Insurance Scheme
Star Senior Citizen Red Carpet Health Insurance Plan is an ideal health insurance policy for senior citizens in the age group of 60 and 75 years. The policy comes with a lifetime renewal option, covering daycare procedures/treatments, pre-existing diseases, modern treatments and critical medical interventions required for the elderly. The specialty of this plan is that, opting for Sum Assured of Rs.15 lakh and above, a nominal co-pay of 30% is applicable for all medical claims and one can get exemption from co-pay on Cataract surgery.
Return your parents' unconditional support and love given by them. Make sure parents get the right protection and care during their old age by gifting them a Senior Citizen Red Carpet Policy and avail tax exemption under section 80D.
know more
Family Health Optima (Floater) Health Insurance Plan
Meeting the needs of a family can be financially challenging. Hence, a super saver policy that covers the entire family while keeping the expenses to a minimum can be your option. FHO (floater) health insurance plans are reasonably priced so that you can tackle the most challenging health issues faced by every member of the family, even the youngest. Save your newborn from any medical complications along with hospitalization charges as early as the 16th day of birth.
The plan comes with a range of USPs such as automatic restoration at 300% of the sum insured, repatriation of mortal remains, compassionate travel, emergency home medical evacuation, organ donor expenses, recharge benefits, sum insured for road traffic accidents, assisted reproduction treatment and much more.
know more
Mediclassic Health Insurance Plan
Mediclassic health insurance plan offers a plethora of benefits for individuals. With this feature-packed health insurance plan, no age limit for renewal after 65 years can be given to anyone in the age group of 16 days to 65 years.
know more
Arogya Sanjeevani Health Insurance Scheme
Arogya Sanjeevani means everlasting well-being, something that we wish for ourselves and for everyone around us. This holistic health insurance plan mandated by IRDAI allows high penetration of health insurance including self, spouse, dependent children and parents up to 65 years of age, of course with lifetime renewal option.
If buying affordable health insurance that covers the basics is on your wish list, then the Arogya Sanjeevani policy is a great option for the rural population offering 20% discount. Protect families' tight bonds in illness and health with coverage of up to 10 lakhs for inpatient hospitalization, daycare procedures, COVID-19 treatment, AYUSH treatment and much more.
outpatient care insurance policy
It is better to solve a problem initially than to let it become too big. Consulting a doctor to solve a problem, outpatient consultation and treatment are of paramount importance in the general maintenance of our health. Outpatient treatment cannot be avoided and feeling well will be a top priority. Imagine how much money you can save by consulting your dentist for a root canal, or how many times you have been to an eye clinic.
Outpatient care insurance policy covers outpatient treatment expenses such as consultant fees, pharmacy bills, payment for X-rays, tests and diagnostic physiotherapy, so-called out-of-pocket expenses that may not be covered by your standard health plan Huh. This health policy is available in three variants – Silver, Gold and Platinum. It is an industry-specific health insurance plan that exclusively covers OP consultations. Avail premium discounted up to 25% after 2 claim-free years.
know more
Hospital Cash Health Insurance Plan
When it comes to treating a loved one, even the little things matter. Star Hospital Cash health insurance plan is designed to take care of every small expenditure that you incur during your hospitalization.
Hospital cash health insurance plan provides daily hospital cash when hospitalization is limited. This policy can be a supplement or supplement to all the medical plans offered by Star Health. You can avail cash-in-hand benefits up to Rs. 5000 per day for the number of days you choose.
know more
Young Star Health Insurance Plan
India is one of the countries with the youngest population globally. India's millennium is a valuable asset to the country's economic development. Therefore the youth of the country should be filled with enthusiasm and energy. Avail the most vibrant years of your life with the help of Young Star Health Insurance Plan. This plan is specially designed for young adults below the age of 40 who envision a healthy life for themselves and their families.
The plan ranges from incentive-led wellness programs, shortest waiting period, coverage of pre and post hospitalization expenses, no-claim bonus, annual check-up, automatic restoration of sum insured and additional infrastructure facilities. provides benefits. Sum Assured for road traffic accidents.
know more
Star Micro Rural And Farmers Care Health Insurance Plan
Good health and access to hospitals should be available to all. In case of Star Micro Rural and Farmers Care health insurance plan, it does not matter where you live or how much you earn. This health insurance plan is designed to protect the hands that feed us.
Get an individual health insurance plan for a sum insured of Rs. 1 lakh and family floater plan. 2 lakhs respectively. Get coverage on room rent, consultant fee, ICU fee, modern treatments and all day care procedures
Types of Health Insurance in India
The different types of health insurance available in India are mentioned below:
1. Individual Health Insurance
2. Family Floater Health Insurance
3. Critical Illness Insurance
4. Senior Citizen Health Insurance
5. Group Health Insurance
6. Maternity Health Insurance
7. Top-up Health Insurance
8. Personal Accident Insurance
Best Health Insurance Companies in India 2021
Given below is a list of the best health insurance companies in India along with their claims settlement ratio for the financial year ended March 31, 2020. Please note that the higher the claim settlement ratio, the better the insurance company. Let us read about the top best health insurance company in India by claim settlement ratio.
List of Best Health Insurance Companies in India
S.No.
insurance company name
claim settlement ratio
network hospital
cashless facility
1. IFFCO Tokio General Insurance Company Limited
- 96.33%
- 6400+
- Available
2. Care Health Insurance Limited (earlier known as Religare Health Insurance Company Limited)
- 95.47%
- 15500+
- Available
3. Magma HDI General Insurance Company Limited
- 95.17%
- 4300+
- Available
4. Oriental Insurance Company Limited
- 93.96%
- 3800+
- Available
5. The New India Assurance Company Limited
- 92.68%
- 2500+
- Available
6. Bajaj Allianz General Insurance Company Limited
- 92.24%
- 6500+
- Available
7. Max Bupa Health Insurance Company Limited
- 89.46%
- 5700+
- Available
8. Navi General Insurance Limited
- 86.98%
- 10000+
- Available
9. HDFC ERGO General Insurance Company Limited
- 86.52%
- 10000+
- Available
10. Manipal Cigna Health Insurance Company Limited
- 85.72%
- 6500+
- Available
11. Edelweiss General Insurance Company Limited
- 85.57%
- 2500+
- Available
12. National Insurance Company Limited
- 83.78%
- 2600+
- Available
13. Future Generali India Insurance Company Limited
- 82.96%
- 5100+
- Available
14. Royal Sundaram General Insurance Company Limited
- 81.50%
- 5000+
- Available
15. Liberty General Insurance Limited
- 81.03%
- 5000+
- Available
16. ICICI Lombard General Insurance Company Limited
- 78.67%
- 6500+
- Available
17. Star Health & Allied Insurance Company Limited
- 78.62%
- 9800+
- Available
18. United India Insurance Company Limited
- 78.03%
- 2500+
- Available
19. Reliance General Insurance Company Limited
- 76.43%
- 7300+
- Available
20. Tata AIG General Insurance Company Limited
- 76.04%
- 6200+
- Available
21. Bharti AXA General Insurance Company Limited
- 76.01%
- 4500+
- Available
22. Kotak Mahindra General Insurance Company Limited
- 75.45%
- 4000+
- Available
The above table includes the best cashless health insurance company in India. Claim Settlement Ratio Data Source: IBAI's General Insurance Claims Insight Handbook - A Policy Holder's Handbook - 5th ed.) The network hospital and cashless facility data are retrieved from the website of the respective company.