There are clearly no two ways around this question. Health insurance is definitely what every single person today needs in their lives, for life itself is highly uncertain. We don’t know what may or may not happen the very next moment. All we can do is prepare ourselves for it well in advance.
As discussed above, since healthcare itself comes at a high price (the cost of a single hospitalization can burn a hole in your pocket), it only makes sense to keep a mediclaim policy in your hand. However, it is equally important that you choose to invest your hard-earned money in buying low cost medical insurance which can be easily afforded for the entire term of the policy purchased.
1. Universal Sompo Complete Health Care Individual Essential Plan
Sum insured- 6 lakh and Rs. 70 lakh
Rs. 5 lakh Sum Insured Premium - Rs. 6,523
2. HDFC Ergo Silver Smart Plan
Sum insured- 3 lakh and Rs. 5 lakh
Rs. 5 lakh Sum Insured Premium - Rs. 8,744
3. Star Health Comprehensive Individual Plan
Sum insured - 5 lakh and Rs. 1 crore
Rs. 5 lakh Sum Insured Premium - Rs. 8,277
4. Aditya Birla Active Assure Diamond Plan
Sum insured - 10 lakh and Rs. 1 crore
Rs. 5 lakh Sum Insured Premium - Rs. 7,919
1. HDFC Ergo Health Optima Restore
Sum insured- Rs. 5 lakh and Rs. 50 lakh
Rs. 5 lakh Sum Insured Premium - Rs. 12,392
2. Aditya Birla Platinum Enhanced
Sum insured- Rs. 2 lakh and Rs. 2 crore
Rs. 5 lakh Sum Insured Premium - Rs. 12,648
3. Religare (Now changed to Care Insurance) Care Plan
Sum insured - 10 lakh and Rs. 1 crore
Rs. 5 lakh Sum Insured Premium - Rs. 10,885
1. IFFCO Tokio Family Health Protector
Sum insured- Rs. 1.5 lakh and Rs. 30 lakh
2. Star Red Carpet Senior Citizen Health Plan
Sum insured- Rs. 1 lakh and Rs. 25 lakh
3. Oriental Individual Mediclaim Policy
Sum insured - Rs. 1 lakh and Rs. 10 lakh