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.

Choose from India’s top insurers

Latest Post

Having health insurance is now a top priority among potential policyholders, who are increasingly aware of the importance of accessing quality healthcare at an affordable cost. Not only does it handle finances, but it also gives peace of mind during medical emergencies. Getting coverage without dealing with cash or documentation makes the cashless claim process an attractive feature of the health insurance. 

Rather than making an advance payment and waiting for reimbursement, policyholders can receive healthcare from network hospitals without incurring out-of-pocket expenses. With its support, worrying about finances becomes less of a concern, and managing healthcare bills becomes simpler. For emergencies, where time and money are of concern, using cashless claims is very helpful for individuals and their families.
 

See nowSee now

If you are planning to buy two-wheeler insurance and are seeking answers to some frequently asked questions, look no further. Read on to know the two wheeler insurance FAQs related to bike insurance policy in this post.

See nowSee now

Choudhary is a privately employed person in Bangalore, and he uses a car to commute to his office daily. While driving his vehicle one day, he met with an accident that resulted in major damages and rendered his car useless. Since he had a car insurance plan, he claimed total loss and that helped him manage expenses without causing any financial burden on him.

See nowSee now

Buying two-wheeler insurance online can be a bit overwhelming for first-time buyers and even for policyholders with prior experience. While it is recommended to compare insurance plans before buying them, having some basic understanding will help you extract the most out of them.

See nowSee now

If you think lifestyle-related health issues only show up after 40, think again. Youth no longer guarantees immunity. Today’s 25 - 35 age group is increasingly facing medical issues that only plague older adults. The reason? Long working hours at the desk, deliveries on speed dial, and a social life that rarely includes a decent amount of sleep are some of the reasons for the early onset of medical conditions like diabetes, anxiety, and hypertension.   

See nowSee now