September 23, 2022
  • September 23, 2022

Best Health Insurance Policies in 2022 – Forbes Advisor INDIA

By on July 27, 2022 0

Aditya Birla Activ Health Platinum Enhanced Plan

Aditya Birla Activ Health Platinum enhanced plan has both family float and individual policy options. This plan also covers hospitalization costs before and after mental illness. The policyholder is also entitled to double the sum insured in just two claim-free years.

  • Sum insured range: 2 lakh INR to 2 crore INR
  • Network hospitals: 10,000+

Read our Aditya Birla health insurance review for more details.

ICICI Lombard – Comprehensive Health Insurance Policy

ICICI Lombard comprehensive health insurance policy is a comprehensive individual and family policy where the policyholder can opt for comprehensive family coverage based on their medical needs. There is also no moderating ticket or prior medical examination for insured persons up to the age of 45.

  • Sum insured: INR 1 lakh to INR 50 lakh
  • Network hospitals: 6,500+

Read our review of ICICI Lombard health insurance for more details

STAR Health Seniors Red Carpet Health Policy

The Star Health Senior Citizens Red Carpet policy is designed for seniors age 60 and older. Generally, other health plans have the maximum age range up to 65, but the Star Health Red Carpet plan provides coverage beyond this age limit. The minimum and maximum age for admission is 60 and 75 years old. The policy duration of this plan is one, two and three years, which is available on an individual and family floating basis. There is no prior medical examination requirement before purchasing this policy.

  • Sum insured: INR 1 lakh to INR 25 lakh
  • Network hospitals: 12,000+

Read our Star Health Insurance review for more details.

HDFC ERGO My: Suraksha Women’s Health

The HDFC ERGO My: Health Women Suraksha policy is a comprehensive plan that provides financial protection against critical illnesses such as cancer, stroke, etc. serious diseases related to women.

  • Sum insured: INR 3 lakh to INR 24 lakh
  • Network hospitals: 13,000+

Read our HDFC ERGO health insurance review for more details

Youth Health Insurance Scheme

The Care Youth Health Insurance contract is specially designed for young insured persons. It offers new age features like special discounts, no co-payment clause and new age perks like unlimited online consultations, easy to use health portal among others. Six limbs can be covered under this same policy.

  • Sum insured: INR 3 lakh to INR 25 lakh
  • Network hospitals: 19,000+

Read our health insurance review for more details.

Niva Bupa Health Pulse Policy

The Niva Bupa Health Pulse is an inexpensive and user-friendly health insurance plan, where the insured gets coverage ranging from INR 3 lakh to INR 25 lakh. The annual premium for this policy is INR 8,339. The policy comes in two variants: Classic and Enhanced. This plan also covers mental disorders and expenses related to HIV/AIDS treatment.

  • Sum insured: INR 3 lakh to INR 25 lakh
  • Network hospitals: 8,600+

Read our Niva Bupa health insurance review for more details.

Dependency Health Gain Policy

The Reliance Health Gain plan is loaded with new era features such as double leverage on the sum assured, cumulative premium, critical illness premium waiver with a wide range of discounts on the purchase of a long term policy. The sum assured for this plan ranges from INR 3 lakh to INR 3 crore.

  • Sum insured: Up to INR 3 crore
  • Network hospitals: 8,600+

Tata AIG Super Recharge Policy

The Tata AIG Super Top Up plan is an add-on policy that provides additional coverage on top of the regular health plan. This plan is a comprehensive add-on policy that offers wider sum assured options up to INR 1 crore along with several built-in benefits and optional benefits such as Cumulative Bonus, Consumables Cover and Optional Comprehensive Cover. The policy is available to individuals and families.

  • Sum insured: INR 3 lakh to INR 1 crore
  • Network hospitals: 7,200+

Read our Tata AIG health insurance review for full details

Royal Sundaram Family Plus Police

The Royal Sundaram Family Plus is a floating health insurance policy which covers 19 members under the same policy. It offers a unique combination of individual and family variable capital insured in the same policy.

  • Sum insured: INR 3 lakh to INR 50 lakh
  • Network hospitals: 11,800+

Read our Royal Sundaram health insurance review for more details

Bajaj Allianz Criti Care Policy

The Bajaj Allianz Criti Care provides financial protection against more than 40 critical illnesses such as cancer, stroke and others. All critical illnesses covered by this policy are divided into five subsections such as Cancer Care, Cardiovascular Care, Kidney Care, Neurological Care and Transplantation, and Sense Organ Care.

  • Sum insured: INR 1 lakh to INR 50 lakh
  • Network hospitals: 7,600+

Read our review of Bajaj Allianz health insurance for more details

IFFCO Tokio Personal Accident Insurance Policy

IFFCO Tokio Personal Accident Insurance is an accident insurance policy that provides financial protection to the insured’s dependents in the event of accidental death. This policy does not only cover major incidents but also covers minor injuries such as broken bones and dislocations.

  • Sum insured: Up to INR 15 lakh
  • Network hospitals: 7,500+

Read our IFFCO Tokio health insurance review for more details