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What are some of the best yet inexpensive health insurance plans available?

With rising medical costs and the growing number of health crises emerging during this pandemic, a health insurance plan with extensive coverage features has become one of the top priorities for individuals. A medical insurance cover offers an adequate sum insured to meet medical expense requirements even after recovery. 

However, the premium cost of comprehensive medical insurance cover with a high sum insured is a challenging prospect in tough financial times. Therefore, most healthcare insurance seekers look for the cheapest health insurance in India.

Leading insurance companies offer cheapest health insurance in India at competitive prices. The insurance provider’s premium discounts also help you get additional features along with high coverage. 

You can get discounts on premiums with a long term medical insurance plan covering two or more family members under the same policy. Living healthy and earning no claim discount (NCB) can also reduce your premium cost with additional coverage at no extra cost.

Affordable health insurance plans in India 

While researching, you can find different medical insurance plans with attractive coverage features. Here are details of some of the most preferred and affordable insurance policies:

  1. Regular/Individual health insurance policies

An individual health insurance policy covers the policyholder only. You can also buy an individual medical insurance plan for each of your family members separately to ensure proper care in a medical emergency without exhausting your funds. 

Generally, it covers all the hospitalisation costs, surgical fees and costs, pre/post-treatment expenses. The premium cost of regular medical insurance plans is deciding factors: the policyholder’s age, age of family members, medical history, and the total sum insured. In this plan, the sum insured for every covered family member is defined individually. Bajaj Allianz Health Insurance offers a vast network of hospitals for cashless service and 

  1. Senior citizen insurance policy 

As the name suggests, a senior citizen health insurance policy covers older individuals aged 60-70 years against sky-high medical costs. As senior citizens require claims more often, you can save on large treatment costs with a senior citizen insurance policy. You can cover elders like grandparents or parents in your family at an affordable cost. It covers hospitalisation, post-treatment costs, ambulance expenses, health check-up expenses for claim-free years, along with medicine costs. One of its attractive benefits is domiciliary hospitalisation. Thus, you can provide medical cover with various benefits at an affordable cost. Make sure you take a health check-up before buying an insurance policy with an adequate sum insured.

  1. Family floater health insurance policy 

A family health insurance policy or family floater is popular to protect all family members against medical costs, including the policyholder’s dependent parents, kids, spouse, siblings, and even parents-in-law. Thereby, it is affordable medical insurance coverage for your entire family. You can secure all your family members under a single policy against a single premium. Most individuals prefer it because if two family members need medical treatment simultaneously. You can make an insurance claim for both members altogether. To reduce the premium cost of the family floater. You can buy a separate policy for the senior citizens in the family. You can get tax exemption for this policy under Section 80D, Income Tax Act, 1961. Bajaj Allianz Health Insurance offers a one-stop insurance solution for you and your family that comes with sum insured payouts towards children’s education in case of death or permanent total disability.

Thus, these are a few  insurance plans you can buy at an affordable premium. Stay protected with a medical insurance plan with an adequate sum insured. 

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