Best Health Insurance Policies To Look Forward To In 2023 – Forbes Advisor INDIA

The new year begins with new opportunities and new promises to make to yourself and your loved ones. Then take out suitable health insurance in 2023 that not only finances your medical emergency, but also enables you and your family to receive the best possible medical treatment through cashless payment.

All of this is only possible if you have comprehensive health insurance, so you can enjoy a certain level of control and gain security for you and your family.

To help you decide which health insurance plan is best for you, we’ve analyzed certain health plans that offer myriad benefits, broad coverage options with fewer floors, and hidden costs.

Aditya Birla Activ Health + Multiply Fit Combo

Aditya Birla Activ Health + Multiply Fit Combo is one of the best policies to buy in 2023. Not only does this policy offer very comprehensive coverage, but it also focuses on fitness, wellness and rewards. Aditya Birla Activ Health + Multiply Fit Combo is a fairly new retirement plan that offers great discounts and reward points, reduces premium liability and also encourages policyholders to adopt healthy habits.

The plan is available in two variants that offer an insured sum of up to INR 2 crore. Without a damage bonus, the policyholder receives twice the sum insured. In addition to basic coverage, the plan also offers coverage for mental illness, obesity treatment, and home medical treatment. Take advantage of various cashback and discount offers up to 25% at various lifestyle, travel and entertainment partners such as Amazon, PVR, Uber and Zomato.

READ :  The 2024 Chevy Trax is GM's new take on its cheapest SUV

Care Supreme

The Care Supreme plan can be another great choice if you’re looking to get health insurance in 2023. You can take out this policy for yourself or cover your family members as well.

The Care Supreme plan has no lower limits for AYUSH treatment and advanced treatments such as robotic surgery. However, it provides for the unlimited replenishment of the sum insured for the treatment of these same diseases.

Under this plan, the insured is insured with an increase in sum insured of up to 500% in the cumulative bonus superfeature. Additionally, the policy ensures your fitness by providing unlimited access to online fitness and wellness and nutrition counseling sessions. The policy also offers up to a 30% renewal premium discount and the option to pay the premium depending on the city you live in.

Bajaj Alliance Health Infinity Plan

The Bajaj Allianz Health Infinity plan is one of the best individual policies that you can use to protect yourself along with your immediate family. This plan has no minimum sum insured. Additionally, with this plan, Bajaj Allianz introduced the concept of selecting healthy insurance based on room rental per day. Daily room rental options available under the policy range from INR 3,000 to INR 50,000. There is also broad coverage for ambulances, which is INR 5,000 per hospital stay.

The policy includes in-hospital treatment, pre-hospital and post-hospital treatment, day care procedures, check-ups with no lower limits.

Reliance Health Gain Insurance

The Reliance Health Gain Policy is a solid plan for individuals and families, offering comprehensive coverage up to INR 3 crore. The policy offers benefits such as restoration of sum insured, double coverage, unlimited room rental, comprehensive coverage of treatment costs related to hospitalization expenses, home care treatment and pre- and post-treatment.

READ :  Suze Orman says this one thing is the "biggest favor" you can do for yourself

If a critical illness that is covered is determined, the policy also waives the follow-up premium for that year. In addition, the policyholder can offer up to 100% of the sum insured for modern treatment operations such as laser or robotic operations.

The Reliance Health Gain policy has three sub-plans: Plus, Power, and Prime. With no age limit for a sum insured of up to INR 3,000, this policy is ideal for seniors who do not have health insurance due to advanced age.

Calm down Niva Bupa

Niva Bupa ReAssure is a jam-packed, comprehensive health insurance plan that is definitely one to buy in 2023. This policy offers a sum insured of up to INR 1 crore. The policy offers many benefits, such as: B. the restoration of the sum insured and an additional benefit that doubles the sum insured in two claims-free years.

The policyholder can also avail a 30% discount on renewal premium payment by accumulating health points in the Niva Bupa Health app. This plan also provides coverage for inpatient treatment expenses with no limit on room rental, day care, advanced treatment, AUSH coverage, organ donation transplant expenses, and home care treatment. The policyholder can also take advantage of broader coverage for both road and rescue aircraft.

bottom line

As we’ve seen, health insurance offers a variety of useful coverages when you choose a plan that works best for you and the needs of the family. To make the best choice and start 2023 off on the right foot, choose health insurance that will inspire hope for the future and help you in times of need.

READ :  AM Best confirms credit ratings of insurance company Factory Mutual and its subsidiaries