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Top 5 Cashless Health Insurance Policies in India

Cashless health insurance policies in India are health insurance policies that allow policyholders to avail of medical treatment at designated network hospitals without paying for the expenses upfront.

Bajaj Allianz Health Guard Family

When you think of the best cashless medical insurance in India the first name that you can think of is Bajaj Allianz Health Guard Family Cover.

It also provides coverage for expenses incurred in areas such as the following:

– ambulance

– daycare treatments

– in-patient hospitalization

– advanced treatments

– donor transplantation

It offers you an option for lifelong renewal as well. Apart from that, it has the option of co-payment. It is because of reasons such as these that this policy is regarded as one of the top 5 cashless health insurance in India policies.

Care Plan by Care Health Insurance

The Care Health Insurance Care Plan is also regarded by many as one of the best cashless health insurance company in India. You can be sure that when you buy this policy you would be able to arrange for more-than-adequate healthcare coverage within your financial capability. The maximum sum assured in this policy is 75 lakh rupees.

HDFC ERGO Optima Restore Health Insurance Plan

The HDFC ERGO Optima Restore Health Insurance Plan to be a viable option in this context. It is a highly appreciated plan among the best cashless mediclaim policies that are available in India. 

So, this is immensely helpful in fulfilling the needs you may have in this regard in the future. Not for nothing is it regarded as perhaps the best cashless medical insurance in India. When you renew the plan you remain eligible for health checkups till a maximum amount of 5000 rupees.

Niva Bupa Health Insurance Plan

The Max Bupa Health Insurance Plan is one of the top 5 cashless health insurance in India plans. So, if you are looking for an effective option this is one policy that you cannot rule out at any cost. The policy offers you the facility of availing cashless treatment at over 3500 hospitals.

It is a cost-efficient policy as well where you get coverage for the following:

– post- and pre-hospitalization expenses

– room rent

– domiciliary treatment

– advanced methods of treatment

– in-patient hospitalization

The policy is also available with refill and renewal benefits. No wonder it is regarded by many as the best cashless health insurance policy in the country. In this policy, you get four options in terms of the sum assured amount – 5 lakh, 10 lakh, 7.5 lakh, and 12.5 lakh. It has a term period of a year.

ICICI Lombard Health Care Plus

The ICICI Lombard Health Care Plus is also said to be the best cashless mediclaim policy for family in India. ICICI Lombard health insurance is a highly popular plan and this is partly because it offers you cashless treatment within four hours.

It covers the following expenses and more:

– post and pre-hospitalization

– room rent

– diagnostic expenses

– doctor’s fees

– daycare treatment

It is the features that make a policy a worthy contender for the title of the best cashless medical insurance in India. The maximum age of entry in this policy is 65 years and the minimum age is five years. You can cover a maximum of two adults under the policy. The person proposing the policy should be at least 18 years.

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