| Insurance Company / Product Name | Age / Eligibility | Sum Insured Range |
|---|---|---|
Apollo Munich - Optima Restore |
|
₹ 3 lacs - ₹ 50 lacs |
Star Health – Family Health Optima Insurance Plan (Individual & Family) |
|
₹ 3 lacs - ₹ 25 lacs |
| HDFC Ergo M: health Suraksha  |
|
₹ 3 lacs - ₹ 50 lacs |
SBI General Arogya Premier |
|
₹ 0.50 lacs - ₹ 30 lacs |
New India Mediclaim Premier  |
|
₹ 1 lacs - ₹ 15 lacs |
Religare Health - Care |
|
₹ 4 lacs - ₹ 40 lacs |
| Pros of Health Insurance in India | Cons of Health Insurance in India |
|---|---|
| Financially supports the family at the time of hospitalization. | Still relatively costly in India since penetration is still around 20% of overall population. |
| Pushes the insured to follow a health lifestyle in terms of dietary and physical activities. | Pre Existing Conditions still have waiting periods upto 4 years. |
| Once enrolled in a policy, lifelong renewability is assured subject to renewing the policy on time. | Hospitals tend to inflate medical expenses when individual has health insurance. |
| Network Hospitals across India for Cashless Inpatient Treatment. | |
| Income Tax Benefits |
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You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque
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Health Insurance Blogs - Information on health or medical insurance coverage in India.
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