The Best 5 Health Insurance Plans in India in 2021

The importance of having a health insurance plan has never been more relevant than ever. The changing lifestyle, increasing pollution, diseases and ever-evolving medical treatment highlights the need to have proper health insurance. It is imperative to have the best health plan that meets all your needs at an affordable premium to protect the health of your loved ones.

Here are the top health plans and their important features and benefits to help you choose the health insurance that suits you best:

Aditya Birla Active Assure Diamond Plan

Aditya Birla Active Assure Diamond Plan is a budget-friendly and comprehensive health plan for individuals and families offering benefits like higher sum insured up to Rs. 2 crore at premium starting at Rs. 433 per month. It covers COVID-19 treatment, hospitalisation, ambulance expense, and organ-donor expense. It also offers vaccination cover. This plan also allows copayment if the insured is above the age of 61 years and provide 150% of the sum insured.

Bajaj Allianz Health Guard Family Floater Plan

Bajaj Allianz Health Guard is a comprehensive family floater policy. It covers COVID-19 treatment costs and offers no claim bonus (NCB) of 10% on the base sum insured for each claim-free year. Bajaj Allianz covers 130 plus day-care procedures and up to 90 days of post-hospitalisation expenses.

The health guard policy covers expenditures for common surgeries required by senior citizens such as piles, hernia, sinusitis, and cataract a waiting period of 2 years.

CARE Advantage 1 Crore Health Insurance Plan

CARE Advantage health insurance is one of the best family-floater plans in the country. CARE has launched the one crore health plan, which provides a higher health cover at a premium of regular plans. 

In the event of a claim-free year, the sum insured is increased by 10% as NCB.  It covers COVID-19 treatments and has no cap on room rent or ICU charges. CARE has a life-long renewability option and only a 30-day initial waiting period.

Max Bupa Heartbeat Health Insurance

It is a comprehensive health insurance product from Max Bupa. It’s a unique medical plan that offers coverage to 19 different relations, including spouse, children, parents, parents-in-law, dependent brothers, dependent sisters etc.

Max Bupa Heartbeat plan comes with three plans: Heartbeat Individual, Heartbeat Family First, and Heartbeat Family Floater. It covers COVID-19 treatments, maternity for up to 2 children, newborn benefits and alternative treatments.

HDFC ERGO My Health Suraksha Health Insurance

 HDFC ERGO My Health Suraksha is a comprehensive health insurance policy. It provides 360-degree protection along with in-house claim settlement and various discount schemes. The plan covers COVID-19 treatments and has over 10,000 plus network hospitals across India. HDFC ERGO My Health Suraksha plan comes in three variants of Silver Smart, Gold Smart and Platinum smart.

All these plans offer excellent coverage and fair premium rates and reward customer loyalty with rewards and discounts.

Above are among the best health insurance plans in India, available in 2021. Choose the right plan that suits your needs, as it is important to have a health insurance plan in place.