Best India health insurance policies for individuals, Best mediclaim insurance in India

Best mediclaim insurance for individuals

Insurance Company	Product Portfolio	Sum Insured Range	Unique Features of this plan
Apollo Munich	Optima Restore	₹ 3 lacs - ₹ 15 lacs	The sublimits for patient room and medical expenses is Nil The New Restore Benefit- Instant addition of 100% basic sum insured to your cover, on your first claim. Multiplier Benefit- Multiplier Benefit Double your sum insured in two consecutive claim free years.
Star Health	Family Health Optima Insurance Plan (Individual & Family)	₹ 3 lacs - ₹ 25 lacs	No third Party Administrator, direct in-house claim settlement + Network of more than 9600+ hospitals across India. Additional Sum Insured upto 25% of Sum Insured – Max 5 Lac for Two Wheeler Road Accidents. Automatic Restoration of SI - 3 times at 100% each time, during the policy period + Auto Recharge Option.
HDFC Ergo	M: health Suraksha	₹ 3 lacs - ₹ 50 lacs	586 Day Care procedures covered. Sum Insured Rebound - Get additional sum insured equivalent to the admissible claim amount upto a maximum of the basic sum insured. No Room Rent Capping.
Bajaj Allianz	Health Guard	₹ 1.50 lacs - ₹ 50 lacs	Sum Insured Reinstatement - In case sum insured along with the cumulative bonus (if any) has been completely exhausted during the policy year, it will be reinstated. In-house claim settlement team that ensures a quick, smooth and easy claim settlement process. Organ Donor Cover - Expenses towards organ donor’s treatment for harvesting of the donated organ are covered under this policy.
Tata AIG	Medicare Premier	₹ 5 lacs - ₹ 50 lacs	No room rent restrictions in Global Cover: Insured can be covered for Medical Expenses incurred outside India, upto the sum insured provided that the diagnosis was made in India and the insured travels abroad for treatment. Consumables Benefit available.
New India	Mediclaim Premier	₹ 1 lacs - ₹ 15 lacs	No Zonewise Premium rating – rating only based on age and sum insured + No Loading for Adverse Claims Experience. Lifelong Renewal subject to there not being a break in the renewal of the policy. Pre Acceptance Medical Check up only for insureds beyond 50 years of age. No Loading for Diabetes & Hypertension.
Religare Health	Religare Care	₹ 4 lacs - ₹ 40 lacs	5Annual Health Check up every year if it is a claim free year. Up to 150% No Claim Bonus with NCB Super. Unique Unlimited Automatic recharge. Care anywhere – Global Cover for 12 Critical Illnesses.
Max Bupa	Health Premia	₹ 10 lacs - ₹ 300 lacs	Sum Insured upto ₹300 lacs. Indemnification of alternate treatments like Ayurveda, Unani, Siddha and Homeopathy (AYUSH). Medical treatment abroad for 9 selected diseases (platinum plan only).
SBI General	Arogya Premier	₹ 0.50 lacs - ₹ 30 lacs	No pre-policy medical test up to the age of 55 years for people with no medical history. Automatic Reinstatement of Sum Insured + Cumulative Bonus of 10% of SI for each claim free year maximum up to 50%. Indemnification of alternate treatments like Ayurveda, Unani, Siddha and Homeopathy (AYUSH).
Royal Sundaram	Lifeline	₹ 2 lacs - ₹ 150 lacs	Provides coverage for International Treatment for 11 specified illnesses upto Sum Insured along with return airfare upto Rs.3lacs. Provides coverage for International Treatment for 11 specified illnesses upto Sum Insured along with return airfare upto Rs.3lacs. OPD Treatment covering the expenses incurred on doctor’s consultation, medicines, diagnostic tests, etc.