Top 5 Health Insurance Policies Consider for 2022

With several health insurance policies in the market nowadays, choosing one can be challenging. To aid your selection process, we have curated a list of the top 5 health insurances you should consider in 2022.

Bajaj Allianz

Bajaj Allianz’s Family Floater Health Guard Plan has a settlement to claim ratio of 85%. This, along with its lifetime renewability feature, makes it the top health policy. Some of its key features include:

  • Includes children and adults
  • Minimum age of entry for children: 3 months
  • Minimum age of entry for adults: 18 years
  • The range of sum insured can be anywhere between 2 lakhs to 10 lakhs
  • Maximum number of members covered: 6

You can also obtain a 5% cumulative bonus each year that goes claim-free. These excellent features make this a top health insurance policy that you must obtain for yourself and your family.

Aditya Birla

Aditya Birla’s Activ Health Platinum Plan has a claim to settlement ratio of 59% and covers pre and post hospitalisation expenses. Some of its main features are:

  • Minimum age of entry: 91 days
  • Maximum age of entry: no limit
  • Maximum members covered: the buyer, their spouse, and their children.
  • The range of sum insured can be anywhere between 2 lakhs to 2 crores.

Alongside these features, this policy also covered daycare expenses, ambulance costs, expenses of an organ donor, and second opinions in the case of critical illnesses.

Bharti AXA

With a whopping 89% as its claim to settlement ratio, Bharti AXA’s Smart Super Health Policy is one of the top health insurance policies. This policy’s main features include:

  • You can avail of it for both children and adults
  • Minimum age of entry: 5 years
  • Maximum age of entry: 65 years
  • Maximum members covered: the buyer, their spouse, and their children (in the age range of 90 days to 23 years)
  • The range of sum insured can be anywhere between 5 lakhs to 1 crore.

Its benefits include hospitalisation coverage, Domiciliary hospitalisation, and an Ayush Treatment Cover. While these are standard benefits, this plan has three variations – Classic, Value, and Uber; benefits may slightly differ.

Care Health

The Care Health Care Health Insurance has a claim to settlement ratio of 55% with several added benefits. Its main features are:

  • Applicable for both children and adults
  • Minimum age of entry for children: 3 months
  • Minimum age of entry for adults: 18 years
  • Maximum age of entry: no limit
  • Maximum members covered: 6
  • The range of sum insured can be anywhere between 3 lakhs to 60 lakhs

In addition to the standard benefits of health insurance policies, this plan covers room rent, ambulance expenses and gives a daily cash benefit.

Edelweiss

Edelweiss’s Family Floater Health Insurance comes with a claim to settlement ratio of 115%, making it an excellent choice for your family.

  • Applicable for both children and adults
  • Minimum age of entry for children: 3 months
  • Maximum age of entry: 21
  • Maximum members covered: the buyer, their spouse, and their children
  • The sum insured can be up to 1 crore

This plan comes in 3 variants – silver, platinum, and gold. You must select wisely depending on the coverage you need and your budget for the health plan.

To avail of the best health insurance policies out there, contact an insurance expert and understand which ones cater to all your needs in the best way possible.

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