Health

What are the best Mediclaim Plans in India you should buy in 2022?

If you are an independent individual who believes in doing things and managing life on his/her own, then you should not be asking for funds from anyone even when you are not well. And to do that, as soon as you get a job, you should buy a health insurance policy. Health issues do not notify us before they enter our life. And some of them get so intense that we even start visiting hospitals and doctors very often. And while doing so, we end up paying a lot of money to the medical practitioners. If you do not want that to happen and also want some funds ready when you need them for a medical emergency, you must buy a medical health insurance policy at the earliest.

As you buy a health insurance plan that meets all your needs, you have to pay premiums without fail. Also, you need to renew a health insurance policy so that you can get the benefits without any problem. if you get hospitalized after buying a health insurance policy and after the waiting period, your insurance company will settle the medical bill with the hospital, and you do not have to be worried about it at all.

Let us check out some of the top health insurance plans in India that you can consider.

Star Young Star Insurance Policy

The entry age of the policyholder has to be between 91 days to 40 years. The maximum sum insured provided is INR 1 Crore. The company has more than 9,900 network hospitals. COVID-19 treatment is absolutely covered.

Aditya Birla Active Assure Diamond Plan

To buy this plan, the policyholder has to be more than 91 days old. The maximum sum insured one can opt for is INR 2 Crore under this plan. There are more than 6000 network hospitals under this insurance company. COVID-19 treatment is covered under this plan.

Star Family Health Optima Plan

The minimum age to buy this plan can be 16 days and the maximum is 65 years. The maximum sum insured is INR 25 lakh. The network hospitals are over 9,900. Like all the health insurance plans, COVID-19 treatment is covered under this plan as well.

HDFC ERGO Optima Restore Plan

Policy buyers between the age group of 91 days and 65 years can purchase this health plan. The maximum sum insured is INR 50 lakh. You can have access to more than 10,000 network hospitals when you buy a health insurance plan from this company. The COVID-19 treatment is covered.

HDFC ERGO my: Health Suraksha Plan

The entry age, network hospitals, and COVID-19 treatment are the same in this plan also. The only different thing is the maximum sum insured, which is INR 75 lakh.

Documents needed to purchase a health insurance plan in India

To buy a health insurance policy, you have to submit some documents. You can read further to know about the documents.

Age proof

All the health insurance plans have a certain age group for people who want to buy a plan. Therefore, a policy buyer has to provide age proof as one of the documents to buy a health insurance plan. The documents can be anything from Pan Card, Passport, Voter ID Card, Aadhaar Card, Driving License, Birth certificate, 10 or 12th Marksheet.

Identity proof

This is one of the most important documents asked for by insurance companies. This document helps in verifying the genuineness of the policy buyer. The document for this can be Passport, Voter ID Card, Aadhaar Card, and Driving License.

Address Proof 

Address proof is needed for contacting the policy buyer if need be. The documents can be anything such as Passport, Aadhaar Card, Ration card, Driving license, Rent agreement, Utility bills such as electricity bills, telephone bills, etc.

The other important documents are duly filled as well as a signed proposal form, passport-size photographs, and medical reports.

To check the health insurance premiums that you have to pay upon buying a plan can be found by visiting the IIFL website.

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