Best Health Insurance Plan For Family-2020.

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Best Health Insurance Plan: Your family is the most important part of your life and your priority is to take care of them to keep them safe and secure. But what if something went wrong, for which you were not prepared and the medical cost was higher than the price you were able to provide? Yes, we thought about why we have a Health Insurance policy, which is not only covering your romantic family but also saving your savings due to high medical expenses.

Points to Remember while Choosing Health Insurance.

  • Choose a Health Insurance Plan which is lower in premium and higher benefits.
  • Have a look at the NO CLAIM BONUS. No Claim Bonus More means Health Insurance Plan benefits more. NCB may be like a yearly deduction on premium or addition on the basic sum insured.
  • Choose an insurance provider which has a wide coverage on network hospitals.
  • That one is best which has more ridder options like critical illness, diseases, etc.
  • Higher claim settlement ratio means higher probability such an insurer will settle your future claims.
  • Co-payment is where a person has to pay the amount from his pocket when the insured person is admitted to the hospital. It can be zero or 10% or 20% of total hospital expenditure.
  • Check the waiting period for specific diseases/pre-existing medical conditions. which have Less the waiting period that one is better?

Best Health Insurance Plan

Apollo Munich Optima Restore Family Plan

  • If your cover has expired in the policy year, automatically restitution of the basic sum insured without any additional cost.
  • The NCB increases the insurance cover by 50% for one claim free year and then 100% for the consecutive claim-free year.
  • Adding more than two members and exemption on the premium for long periods.
  • Tax benefits on premium paid as per prevailing income tax rates.
  • Cashless access to over 4500 medical specialists and more than 4500 network hospitals across more than 800 cities.
  • This plan covers the expenses towards care procedures all day, which otherwise would require recruitment in the minimum 24-hour hospital.
  • Compensation for hospitalization expenses, after 180 days of hospitalization, hospitalization for consultation, investigation, and medicines.
  • You can request an increase in the sum insured under renewal, under which no claim has been made / payment has not been made under the policy.
  • You can take advantage of treatment at home depending on the sum insured. There are some rules and conditions related to this privilege, and you can refer them to policy terms.
  • If you choose the original amount of Rs.10 lakhs and above, you can choose to cover yourself around the world at the company’s network centers against the cost of treatment of eight major diseases.
  • This Rider not only gives you the freedom to take advantage of the best health care services but also covers all travel costs for insured and related housing expenses, second opinion, and hospital recruitment expenses.
  • For any reason, you should decide not to take the policy, you can return it on a request within 15 days from the date of receipt of the policy document.
  • This is one of the Best Health Insurance Plan for you.
Best Health Insurance Plan

Max Bupa Health Companion

  • This policy is made up of an individual, couple, nuclear family and extended family and tailored up to Rs. 1 Crore.
  • Cashless treatments are available in more than 3500 network hospitals across India.
  • If you opt for a term of two years’ policy then 12.5% ​​discount on the second year renewal premium.
  • Due to scientific advancement, you do not have to be hospitalized for a minimum of 24 hours in order to claim some procedures/treatments. This plan covers all such processes.
  • For each claim free year, you will get a no-claim bonus, which is equal to 20% of your original amount, which is up to 100%. This bonus amount is not affected even after making a claim.
  • If the base amount or any claim bonus is not partially or completely exhausted then the plan refills your insurance amount. This refill is offered on the basis of sum insured and is not available in the Family First Plan.
  • OPD treatment is only covered in the case of vaccination or immunization, which, according to the type of scheme, ranges from Rs.2,500 to the extent of posting of animals. This benefit is available only on a reimbursement basis.
  • You can take advantage of treatment at home depending on the sum insured. There are some rules and conditions related to this privilege, and you can refer them to policy terms.
  • You will get Rs. 1,000 to 4,000 rupees per day. You can claim this benefit after 48 hours of hospitalization and a maximum of 30 days in the hospital.
  • This is one of the Best Health Insurance Plan for you.

Star Family Optima

  • A single plan, comprehensive coverage for the whole family at a reasonable premium. Get an additional sum insured at no additional cost on the sum insured up to 30%
  • Based on the sum insured you choose, for every claim free year, you will be entitled to a bonus of up to 35% of your sum insured.
  • If you are the recipient, then 10% of the sum insured will be paid for the cost of organ transplantation or Rs. 1 lakh whichever is less.
  • Compensation for recruitment expenses in pre-hospital for consultation, investigation, and medicines for 60 days before being admitted to the hospital.
  • Compensation for recruitment expenses in consultation, investigation and post-hospital hospital after 90 days of hospitalization.
  • In the event of expiry of the original sum insured, if the sum insured is Rs.3 lakh and above, 100% of the sum insured is automatic restitution.
  • If you want to transfer the policy to another insurer, then the plan allows you to do so without losing your earned profits after the waiting period.
  • Regardless of the claim, offers complimentary health checks involving some listed tests once every year. Anyone over 18 years of age is eligible for this benefit.
  • This scheme provides ambulance coverage in the range of Rs. 750 to Rs. 3,000 depending on the sum insured.
  • This is one of the Best Health Insurance Plan for you.
  • For individuals 61 years of age or older at the time of purchasing a health insurance policy, a co-payment of 20% is applicable for the sum insured in the range of INR 500,000 to INR 60,00,000.
  • You can claim for pre-existing conditions after 48 months from the date of commencement of the policy.

Religare Health Insurance – Care Plan

  • It gives recharge benefits equal to 100% of the sum insured. This benefit restores 100% of the sum insured when the sum insured is reduced or completely ended due to unrelated claims made in the same policy period.
  • There is a no-claim bonus equal to 10% of the basic sum insured up to 50% in this plan. However, after making the claim the bonus amount falls below 10% of the sum insured.
  • This benefit covers any expenditure related to organ donation for you from the limit of INR 50,000 to INR 300,000.
  • It provides benefits equal to 100% of the sum insured. Despite the reinstatement being correct, the first claim becomes active after the claim that the entire sum insured has expired, provided the claims are for unrelated diseases.
  • This is one of the Best Health Insurance Plan for you.

ICICI Lombard – iHealth Plan

  • This scheme includes 30 days of recruitment in the pre-hospital and 60 days of hospitalization.
  • This plan provides a free health check coupon every year (maximum 2 coupons in case of floater policy).
  • In this scheme, there is an option to choose an additional cover for critical illnesses listed for coverage above $ 200,000. For the sum insured above INR, up to 200,000 additional coverage is offered for the sum insured in this plan.
  • This will cover diseases such as cancer, coronary artery bypass graft surgery, myocardial infarction (heart attack), and stage renal failure (major kidney failure), major organ transplant, stroke, paralysis, heart valve replacement surgery, and end-stage liver failure.
  • 10% of the sum insured for each claim is a free year, maximum 50% In case of a claim, the amount will be reduced by 20% on the next renewal.
  • The scheme has the option of choosing the Convertible Benefit Option of INR 10,000. This benefit is available after 10 days of continuous hospitalization.
  • This scheme provides coverage for ambulance expenses up to Rs 1,500 per hospital.
  • This is one of the Best Health Insurance Plan for you.

Thanks for reading till the end. If you enjoyed reading this article do not forget to like share and comment. This article is only for information propose. We advise you to read all scheme related documents before making any investment decisions. Till the next time stay healthy and wealthy also stay tuned bzlifestyle.com .