Jul 09, 2019 0

Top 5 health insurance policies to watch out for in 2019

If you are considering buying a health insurance policy in 2019, you couldn’t have thought of a better time to start. Considering the rise in the cost of healthcare, whether it is a simple outpatient procedure to a more complicated surgery, it is important that everyone is covered with a comprehensive health insurance policy. Whether you are single or married, have just yourself to look after or have a whole lot of people depending on you for their wellbeing, a health insurance policy is critical for your wellbeing and that of your loved ones.

Today, the insurance market in India offers a slew of policies with different benefits for consumers. This is good as you get to choose from a wide variety of policies and get the right one for your requirements. Whether it is a comprehensive health insurance or a critical health insurance or one that is focused on a specific illness like cancer, you can get the right one for your needs with a little bit of research.

To make your work easier, here are the top 5 health insurance policies to watch out for in 2019. Please keep in mind that this is a list to refer to and you should refer the insurer’s website for more details before buying your policy.

iHealth or ICICI Lombard Complete Health Insurance

This plan offers a whole host of options that make life easier for you, such as lifelong renewability, expenses for daycare procedures (where you can get admitted in the morning and be discharged the same day), emergency ambulance cover, free health checkup, cashless hospitalisation in network hospitals, 15-day free-look period, tax benefits, etc. Coming from a reputed company that is known for its insurance products, this is a plan that you will do well to consider and research more about.

Max Bupa Health Insurance Companion

The Max Bupa Health Insurance Companion Plan allows for customization of the plan to suit your individual needs and budget. This means you can tweak the policy (within certain parameters, of course) and come up with your own plan. Other than this, the plan also offers several helpful features such as a daily cash allowance (which will come in handy when you are hospitalised), coverage for all hospitalisations, coverage for pre- and post-hospitalisation, as well as inpatient treatments, which means you don’t have anything to worry about.

Apollo Munich Easy Health

Apollo Munich Easy Health Insurance is a company that provides a wide variety of health insurance policies that suit different requirements, budgets, and categories of people. The Apollo Munich Easy Health plan, as the name suggests, is one that makes life easier for the policyholder in the event of a medical requirement or emergency.

It offers inpatient treatment which helps you get the cover for hospitalisation expenses for 24 hours or more. It also offers coverage for more than 140 types of daycare procedure expenses which is a great thing to consider in today’s day when even such simple procedures are getting to be more expensive. The pre-hospitalisation coverage is for any medical expenses that may happen in a 2- to 3-month period before the hospitalisation for a procedure. Even after hospitalisation, it provides for all medical expenses that can occur after the treatment, surgery, or hospitalisation. There are also domiciliary treatment expenses that pays for medical treatment or care that is provided at home, in the event that the person is unable to travel to the hospital for the treatment. This makes life more comfortable and the treatment less of a hassle for the patient.

Bajaj Allianz Health Guard

Bajaj Allianz Health Guard offers policies that give comprehensive benefits. Examples of these features are over 4000 network hospitals spread all over India at which you can avail cashless hospitalisation. There is also a lifelong renewability option so you don’t have to ever worry about your cover running out after a certain age. Coverage is also provided for expenses before and after hospitalisation which will include not just consultations but also medicines and medical investigations, among other things.

Religare Health Insurance Care

Religare Health Insurance Care is a comprehensive health insurance plan without an upper age limit, which makes it perfect for anyone who is a senior citizen and doesn’t have a health insurance policy. Even if you are 99 years old, you are eligible for this policy. It offers domiciliary hospitalisation expenses, which is for treatment or care that is provided at home. Almost all hospital expenses are covered under this policy, which means you can have peace of mind if you are the patient or if you are taking care of a loved one, you can spend more time looking after them than trying to arrange the money for the treatment. Also covered in the policy are pre- and post-hospitalisation expenses and medical checkups (so you can be sure you are fine and can catch any illnesses in its nascent stages). With the cost of room rent in hospitals sometimes overtaking the cost of procedures, coverage for room rent is essential and that is provided for in this policy. Also included are ambulance charges, ICU charges, and daycare procedures.

Having a life insurance policy from a reputed and reliable insurer can help put your mind to rest, whether you are taking the policy just for yourself or including your loved ones too in the policy