Having the right healthcare insurance from the best health insurance company is essential due to the increasing cost of healthcare. The right healthcare plan ensures you have the right coverage without worrying about the healthcare cost.
However, getting the appropriate health insurance best plan can be a big challenge, considering all the healthcare insurance guarantees they are the best. This can make it really hard to pick the best plan. This is where this article can help you.
This article will walk you through the top health plans in 2024 so that you can make an informed choice that is best for you and your family. So, read this article till the end.
Top 5 Healthcare Insurance Plans in 2024
The top 5 healthcare insurance plans by the best health insurance company in 2024 that will ensure that you have the desired coverage are as follows:
1. Niva Bupa Aspire Plan
The Niva Bupa Aspire Plan is an all-inclusive healthcare insurance policy designed to cater to diverse healthcare requirements. This plan stands out for its flexibility in coverage and a plethora of features, benefits, and add-ons that address unique medical necessities.
A notable aspect of this plan is its emphasis on maternity and parenting benefits, which include coverage for treatments related to infertility and costs associated with surrogacy. It also introduces an innovative feature known as the “Future Ready” perk, which allows the policyholder to cover the waiting period for their future spouse.
Features
- 91.6% claim settlement rate
- Access to 10K+ network hospitals
- 24X7 Dedicated relationship manager
- Coverage for maternity, IVF, adoption, surrogacy
- Future-ready perk for future spouse coverage
2. Niva Bupa ReAssure 2.0 Plan
The Niva Bupa ReAssure 2.0 Plan is a healthcare insurance plan that provides extensive coverage for individuals and families. It offers several unique features, such as the ability to maintain your premium at the age of entry until a claim is made, the option to carry forward unused sum insured, and the provision for unlimited reinstatements up to the base sum insured in a year for the same and different illnesses.
The plan includes coverage for at least 2 hours, annual health check-ups from day 1, and no room rent limit for in-patient hospitalisation or ICU admission. It is available for people aged between 18–65 years as individual, multi-individual & floater plans.
Features
- Unlimited reinstatements for the same & different illnesses
- Carry forward unused sum insured up to 5 times
- Coverage starts from ₹5 lakhs – ₹1 crore
- Family combination applicable for up to 6 members
- Disease management and acute care.
3. HDFC Ergo Optima Restore Health
The HDFC Ergo Optima Restore, previously known as Apollo Munich Optima Restore Health, is a well-rounded healthcare insurance plan offering numerous benefits. This cost-effective plan has no hidden conditions and provides many valuable benefits. The standout feature of this plan is the restore benefit, which replenishes the basic sum insured if used up during the policy year. The policy also offers multiple advantages if no claims are made during the policy year.
Features
- Free Annual Health Checkups
- No Room Rent Restrictions
- Day Care Treatments Covered
- Coverage for home hospitalisation
- Sum insured increases by 50% each claim-free year.
4. Aditya Birla Active Assure Diamond Plan
The Aditya Birla Active Assure Diamond Plan is an affordable healthcare insurance offering with wide-ranging coverage. It includes hospitalisation and 586 daycare procedures and offers the convenience of cashless claims at over 10051+ network hospitals. This plan is tailored to protect you and your family during medical emergencies and promote a healthy lifestyle. It offers extensive healthcare insurance coverage with various options for a higher sum insured. The policy also assigns a health coach to consult you on various health conditions.
Features
- No Claim Bonus
- Worldwide Emergency Assistance
- 100% Ambulance Cover
- Organ Donor Expenses
- AYUSH In-Patient Treatment
5. Star Health Family Health Optima
The Star Health Family Health Optima plan is an all-inclusive insurance policy that provides extensive coverage for your entire family under one umbrella. This cost-effective plan covers the whole family, including spouses and dependent children, from 16 days to 25 years. The plan is crafted considering the escalating medical expenses and covers insured family members for various health issues that can be costly. Individuals aged between 18 and 65 can avail of this policy, and beyond 65 years, it can be renewed for a lifetime.
Features
- Affordable Premium
- Automatic Restoration
- Recharge Benefit
- Assisted Reproduction Treatment
- New Born Baby Cover
Conclusion
Choosing the right type of healthcare insurance not only guarantees that you get the best healthcare facilities but also ensures you have peace of mind without worrying about the money. Additionally, before choosing the health insurance best plan, you should properly analyse your needs, medical conditions and the type of coverage you need to buy the right plan.
Moreover, if you are looking for the best health insurance company, then there is no one better than Niva Bupa Healthcare Insurance. They provide various plans that provide comprehensive coverage with a quick claim settlement process. Moreover, they have a network of more than 10,000 hospitals so that you can get the best facilities at a nearby hospital. So, check out their website today!