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Best Health Insurance Plans in India for 2015

To make the most of your health insurance policy, it is necessary to purchase a policy that is well suited to your needs. This article lists a few of the top health insurance policies in India across various categories.
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The year 2015 is here, and riding high on all the excitement relating to the promise of new beginnings and second chances, comes our tendency to churn out resolutions and life strategies. If leading a healthy lifestyle in 2015 is your mantra, then safeguarding yourself against unexpected contingencies should be a priority too. In this regard, our compilation of the best health insurance plans in the Indian market should serve as a handy guide - to help you commit to a good healthcare plan from amongst the top health insurance policies in India, through 2015 and beyond.

Finding the Best Fit - A Medical Insurance Policy that Works Best for You!

The first step in this quest is to intimately understand your own specific requirements.

  • Are you looking for an individual healthcare plan or one that focuses more on including all your family members in the mix?
  • Are you a senior citizen who needs special care and thus, additional benefits?
  • Or, would you prefer a medical insurance plan that targets critical illnesses?

Sorting through these questions will help you make an informed choice from amongst the top health insurance policies listed below.

Individual Health Insurance Plan:

Star Criticare Plus - This aptly named health insurance policy from Star Health Insurance is a strictly individual plan wherein the sum assured applies per individual member covered under the policy. Aside from the usual bells and whistles, the plan includes comprehensive protection against a vast number of critical diseases. The cost of pre-acceptance medical screening is borne by the company and the customers are treated to a high level of professionalism and quick turnaround time.

Apollo Munich Easy Health Premium - With features like cashless hospitalization at 4500+ hospitals across 800 Indian cities with 10,000+ attending doctors, 100% lifetime renewal, the best customer support in its class, transparent workings with zero hidden charges, tax deductions under section 80D and the enduring reputation for one of the fastest claim settlement procedures in the industry, Apollo Munich Easy Health policy (premium version) ranks amongst the best health insurance plans in India for individuals.

Family Floater Health Insurance Plans:

Max Bupa Heartbeat Family First -This plan is specifically designed to cater to the Indian joint family, with applicable coverage for upto 14 relationships with an assurance of individual sum assured for each member of the clan and a cumulative floater sum assured that can be used by any member of the listed family. The inherent versatility of this medical insurance plan from Max Bupa makes it a clear favourite.

Bajaj Allianz Health Guard Family Floater Option - This enterprising healthcare plan from Bajaj Allianz figures amongst the best health insurance plans in India thanks to its unique and friendly features that provide robust protection for you and your family in the unfortunate event of a critical illness or accident, providing for the expensive medical treatments in each case. Never be worried about running out of cash where your family’s health is concerned, ever again!

Senior Citizen Health Insurance Plans:

The retirement years are a particularly intensive time where ill-health and diseases might be rampant. Choose from the top health insurance policies that provide a solid shield of protection for your elderly parents’ health through their twilight years. In this regard, ‘Senior Citizen- Red Carpet Insurance’ from Star Health Insurance and ‘New India Senior Citizen Mediclaim Policy’ from The New India Assurance Co. Ltd. are definite standouts. Both policies offer a string of benefits, including coverage for pre-existing diseases, hospitalization expenses in the event of an injury or illness, no pre-insurance medical tests and guaranteed renewals to name a few. Summing up, robust healthcare plans , such as the two named above, provide the necessary protection and peace of mind for our elderly through their retirement years.

Critical Illness Insurance Plans:

Religare Health Assure - In this day and age, falling prey to a critical illness isn’t a very farfetched idea, even for those who deem themselves fit and healthy. Hence, the ‘Assure’ plan is devised by Religare Health Insurance that provides coverage against 15 commonly occurring critical illnesses. Alongside this, a personal accident cover sweetens the plan for you and your family members. The sum assured is forwarded to you as a lump sum that can be accordingly disbursed.

HDFC ERGO Health Critical Illness Platinum - This critical illness plan from HDFC ERGO accounts for 15 critical illnesses and benefits the insured with a lump sum amount, payable after a 30 day initial survival period from the point of diagnosis of the ailment. Tax savings, recurring costs for care and treatment, a competent income source for those whose condition forbids them from professional work and funding to affect a complete change in lifestyle are some of the salient features of this policy.

Apollo Munich Optima Vital - A popular product in the arsenal of Apollo Munich Health Insurance, the Optima Vital plan protects you against an identified critical illness and/or impending surgery. The unique features that make this one of the best health insurance plans in India include, an e-opinion option to consult a specialist doctor with regards to your earlier diagnosis, portability option from your existing insurer to Apollo Munich and the choice to enhance your assured sum.

Cashless Mediclaim Policies:

The inherent benefit of subscribing to a Cashless Mediclaim Policy is that the insured is comprehensively protected against any serious accident or surgery that might require a massive impetus of funds. In these critical instances, the cashless mediclaim policy helps you to meet the ensuing expenditure without having to break your bank account, dive into your savings or procure a loan from a third party. The salient features of these plans include cashless hospitalization, coverage for pre and post hospitalization expenses and inclusive health check-ups. In this regard, the ‘Royal Sundaram Total Health Plus’ and ‘Bharti AXA Health Insurance’ cashless mediclaim policies pose as two of the best healthcare plan options available in India.

Group/Corporate Health Insurance Plans:

ICICI Lombard Group Health Insurance - One of the top health insurance policies in India, the ICICI Lombard Group Health Insurance plan is focused on unfurling the health insurance umbrella to cover all your employees as well as their families against unforeseen medical emergencies and expenditure. The policy extends to cover critical illnesses and advanced surgeries, while allowing you the flexibility to choose a cover that best suits your specific requirements.

Tata AIG Group Personal Accident & Group MultiGuard Personal Accident- A group policy with attractive features such as worldwide accidental death coverage that applies 24x7- 365 days a year, daily cash benefit in case of hospitalization due to an accident, freedom to choose amongst 4 varied levels of coverage and importantly, double cover feature in case of accidental death caused by common mediums like bus, trains etc. Subscribing to this policy from Tata AIG is the best gift you could give to your employees.

HDFC ERGO Group Medical Insurance- This radical group healthcare policy is best suited for an employer who cares for the health and well-being of his/her employees. With features such as low premium costs, high level of customization, coverage for all on-roll employees and cashless claim across a wide network of member hospitals, this policy is sure to meet the dual objective of providing maximum health protection to your cherished employees as well as keeping a solid check on the associated spending. Group medical insurance was never this convenient!

In Conclusion, the year ahead looks ripe with promises as far as your professional and personal life is concerned. And when talk shifts to protecting the future of your family and making a solid investment with regards to their health, any of the listed healthcare insurance contenders will bring you the expected protection and complete peace of mind.

GST rate of 18% applicable for all financial services effective July 1, 2017.

Disclaimer: Premiums may vary depending upon factors like age, location and prevailing taxes/GST.

Best Health Insurance Plans in India for 2015 Reviews

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  • United India Health Insurance
    "Good Claim Experience"
    0.5 5.0/5 "Blown Away!"
    I got group insurance from company, on time I got policy. My father was not good at the time I have used the policy. I got the reimbursement around Rs. 23,000 the total value is Rs. 33,000. I went to shobha hospital they don't have tie up with United India, hence I got the reimbursement.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 18, 2019
  • Max Bupa Health Insurance
    "Good Claim Experience"
    0.5 5.0/5 "Blown Away!"
    I have medical cover with Max bupa, they gave me the coverage value of Rs. 5 lakhs its covers for entire family. One time I claimed for my mother for the eye surgery, I got the reimbursed within 30 days with 90% of amount, the total experience was good.
    Was this review helpful? 0
    , hyderabad
    Reviewed on Jan 18, 2019
  • New India Health Insurance
    "Yet to experience the policy"
    0.5 5.0/5 "Blown Away!"
    My company has provided me a health insurance policy from new India. As per company norms, they have given me a coverage value of Rs. 5 lakhs. My entire family has been covered in this policy. They are offering a cashless treatment facility.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 18, 2019
  • United India Health Insurance
    "Very Good Service"
    0.5 4.0/5 "Great!"
    I had taken this insurance policy in the year of 2018 and the the premium has been deducting from my salary. The premium amount has not been too high and there has been many hospitals collaborated within my locality. There has also been some cashless treatment available with this policy as well.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 17, 2019
  • Star Health Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have my health insurance with Star health insurance, i had claim experience with it, my experience was good, they have good tie up with my hospital and they have mailed me about the location of it, and i am happy with there service, they have charged me premium amount on yearly basis, and the premium amount is nominal for me, and i use to pay through on line mode.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 17, 2019
  • Max Bupa Health Insurance
    "Good service"
    0.5 4.0/5 "Great!"
    I have taken my health insurance with Max BUPA , i have not opt there policy yet and i use to pay premium on monthly bases , and it use to get auto debit from my account and while i applied for health insurance customer service had explained me about all procedure , so far the process went smoothly and it good.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 17, 2019
  • Max Bupa Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I got the health insurance with Max bupa health insurance, there service is good, they have charged me premium nominal ,and the premium is on yearly basis, and they have tie up with many hospital , and had shared the details via mail, and i pay premium amount through on line mode.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 17, 2019
  • HDFC Ergo Health Insurance
    "Excellent service"
    0.5 5.0/5 "Blown Away!"
    I got the health insurance with HDFC Ergo, they got tie up with many hospitals, and they have shared me location on those hospital in mail, and they have charged me nominal premium amount ,they have charged me up to 17000-18000 as premium, it is on yearly basis, and i use to pay the premium on an on line basis.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 17, 2019
  • SBI General Health Insurance
    "Bad experience"
    0.5 1.0/5 "Really Bad"
    I got the health insurance with SBI, they got tie up with many hospitals. I Felt the medical cover its less and i am not happy with there support team ,like if i want to call the customer care there number would not be reachable and they use to mail me PDF after paying premium amount,it would not get open, they have charged me premium amount on yearly basis,i have bad experience with this bank.
    Was this review helpful? 0
    , gurgaon
    Reviewed on Jan 16, 2019
  • HDFC Ergo Health Insurance
    "Very good benefits"
    0.5 5.0/5 "Blown Away!"
    I have a health insurance from HDFC ERGO which was purchased by me in the year of 2018 because the benefits are very good. The claim process was simple and they have more number of hospitals for cashless. I have paid 18,800 for one year and took 3 years policy for myself and my wife. The medical coverage is 10L for myself and 5L for wife.
    Was this review helpful? 2
    , bangalore
    Reviewed on Jan 14, 2019
  • HDFC Ergo Health Insurance
    "Good"
    0.5 3.0/5 "Satisfactory"
    I have taken health insurance from HDFC Ergo which was offered along my personal loan. I have received the insurance paper and its been couple of months. It covers critical illness and need to go through the policy benefits. Always the customer is good.
    Was this review helpful? 0
    , bangalore
    Reviewed on Jan 14, 2019
  • Tata AIG Health Insurance
    "Great company"
    0.5 5.0/5 "Blown Away!"
    I have taken health insurance from tata aig. I did take health insurance from tata aig for my parents and The Process was so simple. Customer representative is good. The customer service and response was on time, never had any issues. Now I feel safe for my family Thank you tata aig.
    Was this review helpful? 0
    , solapur
    Reviewed on Jan 12, 2019
  • ICICI Lombard Health Insurance
    "Good Health insurance provider"
    0.5 3.5/5 "Pretty good"
    This policy was part of my employment, I took the medical coverage of Rs. 5 lakhs for the tenure of one year, this medical benefits for my entire. They have good networks of hospital with major disease cover. But I think it doesn't have no claim bonus.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 11, 2019
  • Reliance General Health Insurance
    "On time approval with reliance"
    0.5 4.0/5 "Great!"
    For my spouse operation I used the health policy, I approached them for the claim through hospital. I submitted the form and they send the papers to the Reliance insurance company. I got the cash less treatment, but I paid some amount which was not covered. But they gave me the on time approval.
    Was this review helpful? 0
    , kolkata
    Reviewed on Jan 11, 2019
  • Cigna TTK Health Insurance
    "On time service"
    0.5 5.0/5 "Blown Away!"
    On time Cigna TTK have activated the policy which provided by the company, the policy which I hold it has the coverage of Rs. 4 lakhs its covers for me. They are providing coverage for the pre existing with the tax benefits but there is no claim.
    Was this review helpful? 1
    , dandeli
    Reviewed on Jan 10, 2019
  • Cigna TTK Health Insurance
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    In Cigna TTK, they are providing pre existing disease cover, but they don't have no claim bonus features. The response is good they have good customer care working 24/7 , the medical coverage is good for me and entire family. They have many hospital which they got tie up in Mumbai.
    Was this review helpful? 0
    , mumbai
    Reviewed on Jan 10, 2019
  • Apollo Munich Health Insurance
    "Excellent Service"
    0.5 5.0/5 "Blown Away!"
    I had taken this insurance policy a while back and i had been paying the premium amount on an annual basis. The premium method has been convenient and the premium amount has not been high. There has been many hospitals covered in my locality and their customer support has also been helpful.
    Was this review helpful? 2
    , pune
    Reviewed on Jan 09, 2019
  • ICICI Lombard Health Insurance
    "Good policy"
    0.5 4.0/5 "Great!"
    My organization has provided me a health insurance with ICICI Lombard. I have not claimed anything from this policy. My entire family has been covered in this policy. They have given me a coverage value of Rs. 3 lakhs. This is a cashless policy.
    Was this review helpful? 0
    , new delhi
    Reviewed on Jan 09, 2019
  • Star Health Health Insurance
    "Good"
    0.5 4.0/5 "Great!"
    My company has offered a health insurance from Star Health with the coverage of 1L, its for the family, Still I have not used the policy and am gone utilize the policy within 15 days for my family.They covers a major disease. I have called the customer service and the response is good. I am planning to go for reimbursement, they do have minor network of hospitals for cashless. I can recommend after completing my claim.
    Was this review helpful? 0
    , chennai
    Reviewed on Jan 09, 2019
  • National Insurance Health Insurance
    "Good"
    0.5 5.0/5 "Blown Away!"
    My company has provided me a health policy from National insurance with the coverage of 2L. It is for the family members and no claim. I never contacted the customer service. Every year it was renewed by the company. They have limited networks of hospitals for cashless. It does not cover only eye problems, if we got admitted in hospital for 24hrs then applicable for claim.
    Was this review helpful? 0
    , pondicherry
    Reviewed on Jan 09, 2019
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