Best Health Insurance Plans in India 2024

ManipalCigna LifeTime Health Insurance offered by ManipalCigna Health Insurance is a health plan that prioritizes your healthcare needs and looks after them. ManipalCigna Lifetime Health Plan offers various types of comprehensive benefits for domestic and international medical costs. ManipalCigna Lifetime Health plan offers high-sum insured options ranging from INR 50 Lakh to INR 3 Crore that you can choose per your requirements. ManipalCigna LIfetime Health comes in two types, i.e. individual and family floater health insurance. ManipalCigna Lifetime Health plan offers 2 variants: LifeTime Health India Plan & LifeTime Global Plan.

Specification of ManipalCigna Lifetime Health Plan

Entry Age: For Adults: max. 65 years, For Children: 91 days to 25 years
Plan Type: Individual and Family Floater
Available Sum Insured Amount: 50 L | 75 L | 1Cr | 1.5 Cr | 2 Cr | 3 Cr
Policy Term: 1, 2, 3 Years

Coverage Benefits Offered By ManipalCigna Lifetime Health Plan

Below are the coverage benefits of the ManipalCigna Lifetime Health Plan:

• Room Rent
• ICU Charges
• Pre and Post-Hospitalization
• Domiciliary Hospitalization
• Daycare Treatment

ManipalCigna Lifetime Health Insurance Plan Exclusion

Below are the common exclusion of the ManipalCigna Lifetime Health Insurance plan:

• Hospitalization due to war, riot, strike, and nuclear weapons
• Self-injury
• Miscarriage
• Abortion
• AIDS
• Congenital disease
• Infertility and in vitro fertilization

ERGO Optima Restore Plan is one of the best selling plans from HDFC ERGO Health Insurance . It has two variants, Optima Restore Individual and Optima Restore Family, which offer comprehensive health coverage for you and your family. HDFC ERGO Optima Restore Health Insurance offers two unique benefits, i.e. Restore Benefit and 2X Multiplier Benefit.

Specification of HDFC Ergo Optima Restore Health Plan

Entry Age: Min: Adult: 91 Days Child: 91 Days,  Max: Adult: 65 Years Child: 5 Years
Plan Type: Individual and Family Floater
Available Sum Insured Amount: 3 | 5 | 10 | 15 | 20 | 25 | 50 Lakhs
Policy Term: 1, 2 Years

Coverage Benefits Offered By HDFC Ergo Optima Restore Health Plan

Below are the coverage benefits of the HDFC Ergo Optima Restore Health Plan:

• Covid-19 Treatment
• Hospital Daily Cash
• Pre and Post-Hospitalization
• Domiciliary Hospitalization
• All Daycare Treatment

HDFC Ergo Optima Restore Health Insurance Plan Exclusion

Below are the permanent exclusion of the HDFC Ergo Optima Restore Health Insurance:

• Cosmetic or Plastic Surgery
• Treatment of obesity
• Hospitalization due to alcohol, and drug abuse
• Injuries resulting from a suicide attempt
• Treatment of infertility, birth control, vicarious pregnancy
• Medical cost related to circumcision
• Non-allopathy treatment
• Hospitalization due to War and radiation of any kind
• Treatment-related to Venereal or sexually transmitted diseases
• External congenital diseases

Care plan from Care Health Insurance is a comprehensive health insurance plan for both individuals and families. It is the perfect health policy for people who want to protect their present and future from unexpected medical emergencies by choosing a higher sum insured amount.

Specification of Care Health Plan

Entry Age: Min: Individual: 5 Years, Floater: 91 days + 1 Adult insured, Max: No age Limit
Plan Type: Individual and Family Floater
Available Sum Insured: Care Plan: 3 Lakhs to 75 lakhs, Care Plan (Global): 1 Crore - 6 Crores
Policy Term: 1, 2, 3 Years

Coverage Benefits Offered By Care Health Plan

Below are the coverage benefits of the Care Health Plan:

• Covid-19 Treatment
• ICU Charges
• Pre and Post-Hospitalization
• Domiciliary Hospitalization
• Daycare Treatment

Care Health Insurance Plan Exclusion

Below are the permanent exclusion of the Care Health plan:

• War-related injuries
• Cosmetic Surgery
• Plastic Surgery
• Injuries resulting from adventurous sports
• Injuries resulting from a suicide attempt
• Hospitalization due to alcohol, and drug abuse
• Tests and treatments related to IVF

Care Advantage plan from Care Health Insurance is an ideal health plan for those who want a high sum insured for their family. Care Advantage health insurance offers various benefits like pre and post-hospitalization expenses, organ donation coverage, no-claim bonus, emergency ambulance coverage, 540+ day care treatment etc.

Specification of Care Advantage Health Plan

Entry Age: Min: Adult: 5 Years Child: 91 Days,  Max: Adult: No limit Child: 24 Years
Plan Type: Individual and Family Floater
Available Sum Insured: 25 L | 50 L | 1 Cr
Policy Term: 1, 2, 3 Years
Initial Waiting Period: 30 Days

Coverage Benefits Offered By Care Advantage Health Plan

Below are the coverage benefits of the Care Advantage Health Plan:

• Room Rent Cover
• ICU Charges
• Pre and Post-Hospitalization
• Automatic Restoration
• Organ Donor

Care Advantage Health Insurance Plan Exclusion

Below are the permanent exclusion of the Care Advantage Health plan:

• Hospitalization out of war, riot, strike, and nuclear weapons
• AIDS
• Intentional self-injury
• Miscarriage, and abortion
• Congenital disease
• Treatment related to IVF

Niva Bupa Health Reassure plan covers up to INR 1 crore and is designed to keep you and your family safe during medical emergencies. It offers a wide range of healthcare benefits such as in-patient hospitalization, home hospitalization, etc., along with some unique features such as live healthy benefits, add-on riders, lifetime renewability booster benefits, etc.

Specification of Niva Bupa Health Reassure Plan

Entry Age: 18 Years
Plan Type: Individual and Family Floater
Available Sum Insured: 3L | 4L | 5L | 7.5L | 10L | 12.5L |15L | 20L | 25L | 50L | 75L | 1 Cr
Policy Term: 1, 2, 3 Years
Initial Waiting Period: 30 Days

Coverage Benefits Offered By Niva Bupa Health Reassure Plan

Below are the coverage benefits of theNiva Bupa Health Reassure Plan:

• Room Rent Cover
• ICU Charges
• Pre and Post-Hospitalization
• Automatic Restoration
• All Daycare Treatment

Niva Bupa Health Reassure Plan Exclusion

Below are the permanent exclusion of the Niva Bupa Health Reassure Plan:

• OPD treatments
• Sleep disorders
• Adventurous or Hazardous Sports
• Treatments related to Hormone replacement, cosmetic and plastic surgery.
• Alcohol/drug or substance abuse
• Sex change treatment
• Self-inflicted injuries or attempted suicide
• Sexually Transmitted Diseases such as HIV
• Dental/oral treatments

ICICI Lombard Health Shield Plan is one of the variants of ICICI Lombard Complete Health Insurance. It is a comprehensive health insurance plan designed to meet every healthcare need of an individual and their family. The health shield plan by ICICI Lombard Health Insurance meets the healthcare needs of its customers by offering free health check-up coupons.

Specification of ICICI Lombard Health Shield Plan

Entry Age: For Adults: 18 years, For Children: < 3 months in Family Floater, < 6 years in Individual plan
Plan Type: Individual and Family Floater
Available Sum Insured: 2 | 3 | 4 | 5 | 7 | 10 | 15 | 20 | 25 | 30 |50 L
Policy Term: 1, 2 Years
Initial Waiting Period: 30 Days

Coverage Benefits Offered By ICICI Lombard Health Shield Plan

Below are the coverage benefits of theICICI Lombard Health Shield Plan:

• Room Rent Cover
• Daily Hospital Cash
• Pre and Post-Hospitalization
• Cataract Treatment
• Daycare Treatment

ICICI Lombard Health Shield Plan Exclusion

Below are the permanent exclusion of the ICICI Lombard Health Shield Plan:

• Cosmetic surgery
• Suicidal death
• Any kind of loss or damage due to war or war-like situations
• Natural wear and tear of the property of the policyholder
• Any injury occurred due to alcohol abuse or substance
• Any claims occurred within the 15 days of the policy commencement

HDFC ERGO Health Insurance introduces a new health plan, namely HDFC ERGO Optima Secure Health Plan. HDFC ERGO Optima Secure Plan is available as a Family Floater Plan and Individual Plan. The basic cover chosen by you will increase by 50% after one year and be 100% after two years, irrespective of any claims made under the plan.

Specification of HDFC ERGO Optima Secure Health Plan

Entry Age: For Adults: 18 years to 65 years, For Children: 91 days to 25 years
Plan Type: Individual and Family Floater
Available Sum Insured: 5L | 10L | 15L | 20L | 25L | 50L | 1Cr | 2Cr
Policy Term: 1, 2, 3 Years
Initial Waiting Period: 30 Days

Coverage Benefits Offered By HDFC ERGO Optima Secure Health Plan

Below are the coverage benefits of theHDFC ERGO Optima Secure Health Plan:

• AYUSH Treatment
• Preventive Health Checkup
• Hospital Daily Cash
• Organ Donor
• Emergency Air Ambulance

HDFC ERGO Optima Secure Health Plan Exclusion

Below are the permanent exclusion of the HDFC ERGO Optima Secure Health Plan:

• Obesity control
• Sterility and infertility
• Alcoholism, drug or substance abuse
• Maternity
• Breach of Law
• Hazardous sports
• Cosmetic surgery
• Unproven treatments

Care plan from Care Health Insurance is a comprehensive health insurance plans for both individual and families. It is the perfect health policy for people who wants to protect their present and future from unexpected medical emergencies by choosing a higher sum insured amount.

Specification of Care Health Plan

Entry Age: Min: Individual: 5 Years, Floater: 91 days + 1 Adult insured, Max: No age Limit
Plan Type: Individual and Family Floater
Available Sum Insured: Care Plan: 3 Lakhs to 75 lakhs, Care Plan (Global): 1 Crore - 6 Crores
Policy Term: 1, 2, 3 Years

Coverage Benefits Offered By Care Health Plan

Below are the coverage benefits of theCare Health Plan:

• Covid-19 Treatment
• ICU Charges
• Pre and Post-Hospitalization
• Domiciliary Hospitalization
• Daycare Treatment

Care Health Insurance Plan Exclusion

Below are the permanent exclusion of the Care Health plan:

• War-related injuries
• Cosmetic Surgery
• Plastic Surgery
• Injuries resulting from adventurous sports
• Injuries resulting from a suicide attempt
• Hospitalization due to alcohol, and drug abuse
• Tests and treatments related to IVF

ManipalCigna ProHealth Prime is a comprehensive health plan that protects you and your family at the time of medical emergencies. The plan offers various coverage benefits, such as pre & post-hospitalization, in-patient hospitalization expenses, domiciliary treatment, daycare treatment, ambulance cover, AYUSH cover, etc.

Specification of ManipalCigna ProHealth Prime Plan

Entry Age: For Adults: 18 years to no maximum age, For Children: 91 days to 25 years
Plan Type: Individual and Family Floater
Available Sum Insured: 3 L | 4 L | 5 L | 7.5 L | 10 L | 12.5 L | 15 L | 20 L | 25 L | 30 L | 40 L | 50 L | 1 Cr
Policy Term: 1, 2, 3 Years
Initial Waiting Period: 30 Days

Coverage Benefits Offered By ManipalCigna ProHealth Prime Plan

Below are the coverage benefits of theManipalCigna ProHealth Prime Plan:

• ICU Charges
• Daycare Treatment
• Hospital Daily Cash
• Domiciliary Treatment
• Maternity Treatment

ManipalCigna ProHealth Prime Plan Exclusion

Below are the permanent exclusion of the ManipalCigna ProHealth Prime Plan:

• Hospitalization out of war, riot, strike, and nuclear weapons
• Congenital disease
• Intentional self-injury
• Miscarriage
• Abortion

Niva Bupa Senior First from Niva Bupa Health Insurance is a senior citizen health plan that comes with features that guarantee good health to the policyholders at all times. Niva Bupa Senior First is a cost-effective and rewarding health insurance option. It is a unique health insurance policy that offers an insured sum of up to INR 25 lakh in Gold and Platinum versions.

Specification of Niva Bupa Senior First Plan

Entry Age: 61 to 75 years
Plan Type: Senior Citizen
Available Sum Insured: 5 L | 10 L | 15 L | 20 L | 25 L
Policy Term: 1, 2, 3 Years
Initial Waiting Period: 30 Days

Coverage Benefits Offered By Niva Bupa Senior first Plan

Below are the coverage benefits of theNiva Bupa Senior first Plan:

• Room Rent
• Daycare Treatment
• Organ Donor
• Domiciliary Treatment
• AYUSH Treatment

Niva Bupa Senior first Plan Exclusion

Below are the permanent exclusion of the Niva Bupa Senior first Plan:

• Hospitalization due to war, riot, strike, and nuclear weapons
• AIDS
• Miscarriage
• Abortion
• Congenital disease
• IVF Treatment
• Intentional self-injury

The Care Senior Citizen health plan was designed to provide coverage for people over the age of 60. This gives you the freedom to choose the sum assured that best suits your healthcare needs, especially post retirement, without putting a strain on your finances. Enjoy your second innings to the fullest, knowing that your financial health concerns will be taken care of by the Care Senior Plan.

Specification of Care Senior Health Plan

Entry Age: 61 years to lifelong
Plan Type: Senior Citizen
Available Sum Insured: 3 | 5 | 7 | 10 L
Policy Term: 1, 2, 3 Years
Initial Waiting Period: 30 Days

Coverage Benefits Offered By Care Senior Health Plan

Below are the coverage benefits of theCare Senior Health Plan:

• Room Rent
• ICU Charges
• Hospital Daily Cash
• Domiciliary Treatment
• Organ Donor

Care Senior Health Plan Exclusion

Below are the permanent exclusion of the Care Senior Health Plan:

• Injuries resulting due to suicide attempt
• War-related injuries
• Hospitalization due to alcohol, and drug abuse
• Treatment arise due to pregnancy, childbirth, miscarriage, abortion
• Internal congenital diseases
• Treatments related to infertility and Vitro fertilization

Aditya Birla Activ Care health plan from Aditya Birla Health Insurance is specially designed for elderly people. It offers a wide range of coverage benefits such as in-patient, domiciliary hospitalization, day-care, and home nursing services etc. Aditya Birla Activ Care offers cashless treatment across every network hospital in India.

Specification of Aditya Birla Activ Care Plan

Entry Age: 55 to 80 years
Plan Type: Senior Citizen
Available Sum Insured: 3 | 4 | 5 | 7.5 | 10 | 25L
Policy Term: 1, 2, Years
Initial Waiting Period: 30 Days

Coverage Benefits Offered By Aditya Birla Activ Care Plan

Below are the coverage benefits of theAditya Birla Activ Care Plan:

• Room Rent
• ICU Charges
• Daycare Treatment
• Pre and Post-Hospitalization
• Road Ambulance Cover

Aditya Birla Activ Care Plan Exclusion

Below are the permanent exclusion of the Aditya Birla Activ Care Plan:

• Injuries resulting due to suicide attempt
• War-related injuries
• Hospitalization due to alcohol, and drug abuse
• Treatment arise due to pregnancy, childbirth, miscarriage, abortion
• Internal congenital diseases
• Treatments related to infertility and Vitro fertilization
• Bariatric Surgery
• Treatment taken from outside India

Senior citizens should be able to lead a happy and healthy life in their later years. Tata AIG offers MediSenior - Senior Citizen Health Insurance plan keeping in mind their need for dignity and independence. It provides medical coverage for medical care at every hospital in India. Anyone who is at least 61 years old and wants to cover both himself and his spouse can buy this health insurance plan.

Specification of TATA AIG MediSenior Plan

Entry Age: 61 to No maximum Limit
Plan Type: Senior Citizen
Available Sum Insured: 2 | 3 | 5L
Policy Term: 1, 2, 3 Years
Initial Waiting Period: 30 Days

Coverage Benefits Offered By TATA AIG MediSenior Plan

Below are the coverage benefits of theTATA AIG MediSenior Plan:

• Domiciliary Treatment
• Organ Donor
• Emergency Ambulance
• Pre and Post-Hospitalization
• Daycare Treatments

TATA AIG MediSenior Plan Exclusion

Below are the permanent exclusion of the TATA AIG MediSenior Plan:

• Injuries resulting due to suicide attempt
• War-related injuries
• Hospitalization due to alcohol, and drug abuse
• Treatment arise due to pregnancy, childbirth, miscarriage, abortion
• Internal congenital diseases
• Treatments related to infertility and Vitro fertilization
• Maternity Treatments
• Expense related to HIV
• Expense related to AIDS

The Star Senior Citizens Red Carpet Health Insurance from Star Health Insurance is made to meet the healthcare needs of those over 60. The plan offers various coverage benefits such as in-patient hospitalization, daycare treatments, etc. The Star Health Insurance for Senior Citizens comes with a lifetime renewability option to help you with medical bills for the rest of your life. It is available on an individual and family floater basis.

Specification of Star Health Senior Citizen Red Carpet Plan

Entry Age: 61 to No maximum Limit
Plan Type: Senior Citizen
Available Sum Insured: Individuals: 1 | 2 | 3 | 4 | 5 | 7.5 | 10 | 15 | 20 | 25 L, Family Floater: 10 | 15 | 20 | 25 L
Policy Term: 1, 2, 3 Years
Initial Waiting Period: 30 Days

Coverage Benefits Offered By Star Health Senior Citizen Red Carpet Plan

Below are the coverage benefits of theStar Health Senior Citizen Red Carpet Plan:

• Covid-19 Treatment
• Cataract Treatment
• ICU Charges
• Pre and Post-Hospitalization
• All Daycare Treatments

Star Health Senior Citizen Red Carpet Plan Exclusion

Below are the permanent exclusion of the Star Health Senior Citizen Red Carpet Plan:

• Hospitalization out of war, riot, strike, and nuclear weapons
• Intentional self-injury
• Treatment related to AIDS
• Cosmetic & aesthetic treatment
• Mental illness
• Congenital disease
• Dental surgery
• Unproven treatments

Critical illness can compromise both the quality of life and financial stability of a family. Niva Bupa has launched a critical illness plan called Niva Bupa Criticare Plan to safeguard your finances in such situations. The Niva Bupa Criticare Policy was created exclusively for those who have been identified as having one of the 20 covered critical illnesses. It enables them to safeguard their savings from being wiped out while undergoing expensive medical procedures.

Specification of Niva Bupa CritiCare Plan

Entry Age: 18 to 65 Years
Plan Type: Critical Illness Health Plan
Available Sum Insured: 3/5/7.5/10/15/20/25/30/35/40/45/50/60/75/100/125/150/175/200/225/250/275/300 lacs
Policy Term: 1, 2, 3 Years

Coverage Benefits Offered By Niva Bupa CritiCare Plan

Below are the coverage benefits of theNiva Bupa CritiCare Plan:

• Tax Benefits
• Free-Look Period
• 20 Critical Illnesses Covered

Niva Bupa CritiCare Plan Exclusion

Below are the permanent exclusion of the Niva Bupa CritiCare Plan:

• Hospitalization out of war, riot, strike, and nuclear weapons
• Intentional self-injury
• Treatment related to AIDS
• Cosmetic & aesthetic treatment
• Mental illness
• Congenital disease
• Dental surgery
• Unproven treatments

Care Critical Mediclaim Plan from Care Health Insurance is an affordable health insurance plan primarily designed to cover critical illnesses such as heart conditions, kidney problems, cancer, major organ surgeries, stroke, paralysis, etc. This particular plan provides the much needed financial relief when diagnosed with critical 32 diseases which are classified as critical. The plan provides stability and a lifetime commitment to your health while providing an comprehensive medical solution.

Specifications of Care Critical Illness Plan

Entry Age: 5 to 50 Years
Plan Type: Critical Illness Health Plan
Available Sum Insured: 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
Policy Term: 1, 2, 3 Years

Coverage Benefits Offered By Care Critical Illness Plan

Below are the coverage benefits of theCare Critical Illness Plan:

• Dialysis Cover
• Annual Health Checkup
• Daycare Treatment

Care Critical Illness Plan Exclusion

Below are the permanent exclusion of the Care Critical Illness Plan:

• Sexually transmitted diseases
• Expenses related to dental treatment
• Expenses related to ear and eye examinations
• Treatment expenses for change of sex or gender
• Non-allopathic treatment

Star Criticare Plus plan from Star Health Insurance promises to reimburse hospitalization arising due to disease, ailment and/or unintentional injuries. Additionally, it offers a lump sum payout on diagnosing a critical illness. The Star Criticare Plus plan covers 9 critical illnesses without anywaiting period. The sum insured under this policy covers each individual member. Any person living in India who is between the ages of 18 to 65 years can buy this plan.

Specifications of Star Criticare Plus Health Plan

Entry Age: 5 to 50 Years
Plan Type: Critical Illness Health Plan
Available Sum Insured: 10 Lakh | 25 Lakh | 50 Lakh | 1 Crore | 2 Crore
Policy Term: 1, 2, 3 Years

Coverage Benefits Offered By Star Criticare Plus Health Plan

Below are the coverage benefits of theStar Criticare Plus Health Plan:

• AYUSH Treatment
• Emergency Ambulance
• Modern Treatments

Star Criticare Plus Health Plan Exclusion

Below are the permanent exclusion of the Star Criticare Plus Health Plan:

• Sexually transmitted diseases
• Expenses related to dental treatment
• Expense related to ear and eye examinations
• Treatment expenses for change of sex or gender
• Non-allopathic treatment

HDFC ERGO Health Insurance launched Plan A plan called HDFC ERGO Critical Illness to help people fight against any critical illness. The Silver and Platinum versions of the HDFC ERGO Critical Illness Plan offer coverage for 15 critical illnesses. Critical illnesses can potentially worsen a person's financial condition, as the cost of treating these diseases is very high. HDFC ERGO Critical Illness Plan will be your best ally in difficult times due to its low premium and comprehensive coverage, which will help you in better financial planning.

Specifications of HDFC Ergo Critical Illness Plan

Entry Age: 5 Years to 65 Years
Plan Type: Critical Illness Health Plan
Available Sum Insured: 1 L | 5 L | 10 L | 15 L | 20 L | 25 L | 30 L | 35 L | 40 L | 45 L | 50 L
Policy Term: 1, 2 Years

Coverage Benefits Offered By HDFC Ergo Critical Illness Plan

Below are the coverage benefits of theHDFC Ergo Critical Illness Plan:

• Organ Donor
• Tax Benefits
• 15 Critical Illnesses Covered

HDFC Ergo Critical Illness Plan Exclusion

Below are the permanent exclusion of the HDFC Ergo Critical Illness Plan:

• Sexually transmitted diseases
• Expenses related to dental treatment
• Expense related to ear and eye examinations
• Treatment expenses for change of sex or gender
• Non-allopathic treatment
• Attempted Suicide
• Self-inflicted Injuries
• Abuse of Tobacco, intoxicants, etc.

ManipalCigna Lifestyle Protection Critical Care Plan is designed to provide coverage for critical illnesses. This critical illness plan protects you against the most unexpected of events and aims to cover all emergency expenses. It pays a lump sum amount on the diagnosis of covered critical illnesses. This plan comes in two variants, i.e., the basic plan and the enhanced plan. 15 critical illnesses are covered in the basic plan, while 30 are covered under the enhanced plan.

Specifications of ManipalCigna Lifestyle Protection Critical Care Health Plan

Entry Age: 18 Years to 65 Years
Plan Type: Critical Illness Health Plan
Available Sum Insured: 1 L to 25 Cr
Policy Term: 1, 2, 3 Years

Coverage Benefits Offered By ManipalCigna Lifestyle Protection Critical Care Health Plan

Below are the coverage benefits of theManipalCigna Lifestyle Protection Critical Care Health Plan:

• Tax Benefits
• 15 Critical Illnesses Covered in base plan
• 30 Critical Illnesses Covered in enhanced plan

ManipalCigna Lifestyle Protection Critical Care Health Plan Exclusion

Below are the permanent exclusion of the ManipalCigna Lifestyle Protection Critical Care Health Plan:

• Sexually transmitted diseases
• Mental illness
• Psychiatric
• Psychological disorders
• Treatment expenses for change of sex or gender
• Non-allopathic treatment
• Attempted Suicide
• Self-inflicted Injuries
• Abuse of Tobacco, intoxicants, etc.

The Super Surplus Insurance Policy by Star Health Insurance is a health top-up plan providing a huge supplementary sum insured of up to 1 Crore at an affordable price. The policy is available in two variants for policyholders to select: Gold and Silver plans. The Star Super Surplus Insurance plan can be added to both individual and floater plans.

Specification of Star Super Surplus Insurance Plan

Entry Age: 18-65 years
Plan Type: Top Up Health Plan
Available Sum Insured Amount:

• Silver: 7 / 10 Lakhs
• Gold: 5 / 10 / 15 / 20 / 25 /50 / 75/ 100 lakhs

Coverage Benefits Offered By Star Super Surplus Insurance Plan

Following are the coverage benefits under Star Super Surplus Insurance plan:

• Modern treatment covered
• In-patient hospitalization
• Pre and Post-Hospitalization

Star Super Surplus Insurance Plan Exclusions

Following are the permanent exclusions of Star Super Surplus Insurance plan:

• Any injury caused by war, etc.
• Self intended injuries
• Walker/ wheelchairs cost
• Weight loss surgery treatment expenses
• Cosmetic or plastic surgery expenses
• Injuries caused by sports or hazardous activities
• Change of gender and sexually transmitted diseases

The Care Health Super Top Up Health Insurance plan provides additional coverage to your standard health coverage. The super top plan is activated once the deductibles have been paid. This policy comes with a 15-day free look period and is enough to cover the entire family. Choose a suitable sum insured between 1 and 10 Lakhs.

Specification of Care Super Top Up Health Insurance Plan

Entry Age: 18 years - No limit
Plan Type: Top Up Health Plan
Available Sum Insured Amount: 1 Lakh - 10 Lakhs
Policy Term: Life long renewability

Coverage Benefits Offered By Care Super Top Up Health Insurance Plan

The following benefits are covered under Super Top Up Health Insurance plan:

• AYUSH treatment
• Single private room availability
• Annual health check-ups

Care Super Top Up Health Insurance Plan Exclusions

The following are the exclusions under Care Super Top Up Health Insurance plan:

• Treatment cost of pregnancy/ childbirth/ miscarriage/ abortion/ and its consequences
• Injury resulting from self-inflicted acts
• Infertility or in vitro fertilization
• Cosmetic or plastic surgery expenses
• Vision correction surgery cost

Niva Bupa Health Recharge plan is an ideal choice for individuals looking for an extensive health insurance top up at affordable cost. The policy comes in both individual and floater options. The policyholders can opt for personal accident and critical illness add-on options as per their medical requirements for self or family. The Niva Bupa Health Recharge plan provides no claim bonus of 20% for not claiming the insurance.

Specification of Niva Bupa Health Recharge Plan

Entry Age: 91 days - 65 years
Plan Type:Top up Health Plan
Available Sum Insured: Rs. 2 Lakhs - Rs. 95 Lakhs
Policy Term: 1, 2, 3 Years

Coverage Benefits Offered By Niva Bupa Health Recharge Plan

The following benefits are offered by Niva Bupa Health Recharge plan:

• Lifetime renewability
• E-consultations
• Direct claim settlement

Niva Bupa Health Recharge Plan Exclusions

The following medical coverage are excluded under the Niva Bupa Health Recharge plan:

• Cosmetic and reconsturctive surgery
• Hazardous activities
• Dental/ oral treatment
• Obesity or weight control surgeries
• Sexually transmitted infections & diseases
• Addictive disorders
• Treatment received outside India

HDFC Ergo Health Suraksha Top Up health insurance plan is a good choice for individuals who wish to supplement their health insurance coverage and gain additional benefits. The plan will provide additional sum insured to cope with medical emergencies that has already burn up your existing health insurance cover. In case the insured encounters the life-threatening injuries, the plan offers an emergency ambulance facility.

Specification of HDFC Ergo Health Suraksha Top Up Plan

Entry Age: 5 - 65 years
Plan Type:Top Up Plan (Variants: Pro and Plus)
Available Sum Insured: 2, 3, 4, 5, 7.50, and 10 Lakhs
Policy Term:1, 2 years

Coverage Benefits Offered By HDFC Ergo Health Suraksha Top Up Plan

The following benefits are covered under HDFC Ergo Health Suraksha Top Up plan:

• Pre-existing disease
• No room rent sub-limits
• Organ donor expenses

HDFC Ergo Health Suraksha Top Up Plan Exclusions

The expenses incurred under the treatment of following conditions are excluded from HDFC Ergo Health Suraksha Top Up plan coverage:

• Self-inflicted injuries
• Injuries caused due to hazardous or unfortunate events, like war, etc.
• Accidents due to participating in adventure sports
• Treatment of obesity
• Treatment cost of cosmetic surgery
• Venereal or sexually transmitted diseases

ICICI Health Health Booster is a super top up plan that offers extended coverage for medical expenses after your existing medical insurance policy sum insured limit is exhausted. In case you do not have any existing health insurance policy, you can opt for the super top up cover and utilize the sum assured. Also, there’s no room rent capping under ICICI Health Health Booster plan and provides domestic road emergency cover.

Specification of ICICI Health Health Booster Top Up Plan

Entry Age: 3 months - No Limit
Plan Type: Top Up Health Plan
Available Sum Insured: Rs. 5 Lakhs - Rs. 50 Lakhs
Policy Term: 1, 2, 3 Years

Coverage Benefits Offered By ICICI Health Health Booster Top Up Plan

The following benefits are covered under ICICI Health Health Booster Top Up plan:

• Lifetime renewability
• Individual and floater option
• In patient AYUSH treatment

ICICI Health Health Booster Top Up Plan Exclusions

The expenses incurred under the treatment of the following conditions are excluded from ICICI Health Health Booster Top Up plan:

• Deductibles
• Co-payments
• Injury attributed to war, invasion, etc.
• Cosmetic surgery or aesthetic treatment
• Vision correction
• Hearing aids
• Dental treatment or surgery